Sei kungwarira pakuita mari yedu

Mitengo yekudyara kwemasheya yakakwira zvakanyanya mumavhiki matatu apfuura, uye hazvina kuoma kuona chikonzero. The mhedzisiro yebhizinesi Chikamu chechipiri chakapera zviri nani pane zvakatarisirwa nevaongorori, nepo vatengesi vari kuwedzera kuvimba kuti inflation yakakwira. Asi kana iwe uchinetseka kana yave nguva yekutanga kugadzirira kusvika kwemusika mutsva wenzombe, pamwe unofanirwa kumirira. Tinotsanangura chikonzero…

Iyo Fed haigone kuchinja kosi chero nguva munguva pfupi🥏

The Federal Reserve ine zvinangwa zviviri, kuchengetedza basa riri pedyo nepamusoro pechikamu charo uye kuchengetedza mitengo yakagadzikana yakakomberedza 2%. Nekushaikwa kwemabasa kuri muchimiro chakanaka, panguva yakadzikira denda re3,5%, dambudziko guru riri kumisa inflation yenyika. Sezvo bhanga repakati rakasimbisa kakati wandei nguva pfupi yadarika, rakagadzirira kuita chero zvingaite kuti izvi zviitwe.

Icho chiripo ndechekuti inflation yakadonha zvishoma muna Chikunguru, asi hazvigoneke kudonha kunze kwekunge kudiwa kwezvinhu nemasevhisi kudonha. Ndosaka iyo Federal Reserve iri kukwidza mitengo yemubereko zvine hukasha. Nezviito izvi ine chinangwa chekumisa kudiwa kuburikidza nekumisa kukura kwehupfumi nemari yepamusoro. Ndiwo mamiriro ezvinhu apo mashoko akanaka anogona kutungamirira kunhau dzakaipa. Kana tarisiro yekukura ichivandudzika (kazhinji tingati nhau dzakanaka), ipapo inflation inogona kusimuka zvakare (nhau dzakaipa), izvo zvinozoita kuti Fed ikwidze mitengo zvakanyanya, kunyangwe nekukurumidza (nhau dzakaipa kwazvo), kudzamara kukura kwadzika zvakakwana kusvika. kuderedza inflation.

Hapana anoti zvichave nyore kudzikisa mitengo yekumanikidza. Core inflation (isingasanganisire mitengo yezvokudya uye simba) inogona kuramba yakagadzikana kwenguva yakati, kudzivirira inflation kubva pakudonha kusvika padanho iro Fed inogona kumisa kukwidza mitengo.

Kumhara uku kungangove chero kwakapfava🛬

Pasinei nezvinoitwa neFederal Reserve, isu hatina vimbiso yekuti tinokwanisa kuwana izvo zvinonzi "kunyorova kumhara«kureva, kukura zvine mwero zvakakwana kudzikisa inflation, asi kwete zvakanyanya zvekuti kutyaira mari yemasheya mukuderera kwakadzika. Mushure mezvose, iyo Fed yakangokwanisa irwo rudzi rwekumhara kamwe chete. Uye pane chikonzero chakanaka cheizvozvo, sezvo kudzika kwakapfava kunoda kudzikiswa kwakaringana, uye mutemo wemari (choga chishandiso icho Fed inacho) hachisi chiridzwa chaicho. Icho chishandiso chinogona kutipa mwero usina kunaka wekukurudzira panguva isiriyo. Kuita kuti zvinhu zvinyanye kuomera Fed, mhedzisiro yekuchinja kwemitengo yemubereko inowanzonzwika nekunonoka kwemwedzi yakati wandei. Zvakafanana nekufambisa chikepe parwizi paine chikwambo chimwe chete chakatarira kumashure.

Izvi zvakakosha kunzwisisa nekuti, kunyangwe inflation yakakwira uye tsvuku-inopisa yemusika wevashandi inoratidza kuti Fed haina kusimudza mazinga akakwana, zvingave kuti mhedzisiro yezviyero zvekukwira haisati yazviratidza. Sezvatinotsanangura pano, kukwira kwemhindu kunokanganisa nzvimbo dzakasiyana dzehupfumi panguva dzakasiyana.

Vane zvakawanda zvekurasikirwa pane kuwana😲

Nekudyara mumasheya kuti upe kudzoka kwakanaka izvozvi, purofiti yekambani yaizofanira kuzadzisa zvinotarisirwa. Uye izvo zvinotarisirwa zvatove netarisiro, zvichipihwa kuti vanoisa mari vanoona purofiti ichikura pakati pe7 ne10% mumakore maviri anotevera. Vanotarisirawo kuti mari yepurofiti ichawedzera kubva pamazinga avo epamusoro uye inflation ichadonha nekukurumidza sekukwira kwayakaita. Uye kunyange muchiitiko chisingatarisirwi kuti zvose izvi zviitike, mari yekudyara haizowani mari yakawanda sezvatingatarisira, nokuti izvi zvinotarisirwa zvakanyanya zvatove zvatove zvishoma mumatengo ekutsvaga kwemari.

Nekune rimwe divi, kana zvinhu zvisingaite sezvakanaka setarisiro yevanoisa mari, mitengo yekudyara masheya inogona kudonha zvishoma kuratidza chokwadi chitsva. Ngatirangarirei kuti kurasikirwa kune simba guru pamapotifoliyo edu pane purofiti. Mushure mezvose, isu tinoda purofiti ye100% kumisa kurasikirwa kwe50%, zvinoreva kuti zvinogona kutora nguva kudzoreredza kurasikirwa ikoko. Semuenzaniso, vatengesi vakatenga panguva yaJune 2001 musika webheya rally vaifanira kumirira kusvika Kubvumbi 2006 kuti vadzoke kune imwe.

Tingatora sei mukana uyu mukana wekudyara masheya?🧐

Kana iwe uchinzwa kuda kudzoreredza mari yako yekudyara, kumirira kujekeswa zvishoma kuti kukura uye inflation kwakananga kupi kungave chinhu chakangwara chatingaite. Ehe, zvinogoneka kuti takanganisa uye Fed inowana kudzika kwakadzikama, nemari inowanikwa nemakambani inosangana netarisiro huru yemusika uye mitengo yekudyara kwemasheya ichiramba ichikwira. Kana zviri izvo, uye iwe wakasiiwa kunze kwemusika, iwe unongorasikirwa nemamwe mabhenefiti ekutanga. Asi kana takarurama uye zvinhu zvikavava, hatingangodzivi marwadzo ekurasikirwa chaiko, asi tinenge tiri pachinzvimbo chiri nani chekuzadza mari yedu mumasheya nemitengo yakaderedzwa.

Sezvatakataura kakawanda, pane nguva dzehasha uye nguva dzekumirira mikana iri nani. Nemamiriro ezvinhu ehupfumi akadai asina chokwadi uye tarisiro yevadyaridzi vane tariro, tinogona kutaura kuti chinhu chakanyanya kukodzera kuita kuramba uchiongorora kusimukira kwenhau.