Foomka Si aad u ogaato Inta Muhiim Ah Aad Ku Kulmi Doonin Biilashaada
Taasi waxay ku saleysantahay xaqiiqda ah in dhidibada loo dhisay-ilaalinta sicir bararka ee Waaxda Hantidhowrka Mareykanka.
Aan eegno labada qaybood ee miisaaniyada dulsaar ee "Series I" oo qoto dheer.
Qaybta Sicirka Xisaabta I ee Bonded Bond
Qaybta koowaad ee xisaabinta dulsaarka dulsaarka dulsaar ahaantu waa qayb ka mid ah qiimaha go'an. Waxaa lagu dhawaaqay Maajo iyo Nofembar lixda bilood ee soo socda oo waxaa go'aamiya Xoghayaha Hantidhowrka, ama qof uu Xoghayuhu u magacaabay. Qiyaasta xadidan ayaa loo qoondeeyay nolosha curaarta . Tani waa muhiim.
Xasuusnow, inkasta, in xadiga xadidan ee ku soo noqoshada ku xidhan yihiin curaartaada aan ahayn dulsaarka dulsaarka ugu yar. Waa inaad ka qayb qaadataa sicir-bararka, taas oo aan heleyno hal daqiiqo. Haddii Mareykanka uu waayo aragnimo u yeeshay , waxaa suurtagal ah in aad ijaarashadaada ku soo celin kartid 0.00%.
Tobankii sano ee la soo dhaafey ama ka dib, qaybta xadidan ee taxanaha ah ee Kaydinta Kaydinta Iibsashadu waxay kala duwanaayeen 3.60% bishii May, 2000 ilaa 0.10% bishii November, 2009.
Qeybta Qiimaha Bixinta ee Bondka ah Qaybta sicir bararka ee bond I waxaa lagu dhawaaqaa mid kasta Maajo iyo Nofembar, sida qaybta xadidan ee go'an, waxayna u fiican tahay lixda bilood ee soo socda. Qaybta sicir bararka ayaa lagu go'aamiyaa isbedelada Tusaha Qiimaha Macmiilka , ama CPI , kaas oo muddo dheer loo isticmaali jiray in lagu cabiro sicir-bararka Maraykanka.
Haddii Maraykanku uu ku jiro jabaq, sicirka dulsaarku wuxuu noqon karaa mid xun. Haddii kale, waxay kor u kacdaa si ay ula socoto isbeddellada sicir bararka sidaa daraadeed cidda biilku lumiso awoodda wax iibsiga .
Tobankii sano ee la soo dhaafay, sicir-bararka sicirbararka ee Kaydka Kaydinta Kaydka I ayaa kala duwanaayeen boqolkiiba 2.85% bishii Nofembar, 2005 illaa -2.78% bishii May, 2009.
Heerka sicir-bararka waxaa lagu daraa qaybta qiimaha go'an ee Kaydinta Kaydinta Kaydinta Kaydinta ee Xisaabta I si loo xisaabiyo qiimaha isku dhafan.
Heerka isku dhafan ee taxanaha taxanaha ah
Sida laga soo xigtay Khasnajiyadda Mareykanka, qaabka dhabta ah ee lagu xisaabinayo dulsaarka dulsaarka ku salaysan taxanaha kaydka taxanaha waa:
Heerka isu dheelitirka = [Qiimaha isku dhafan + (2 x Sicirka sicir bararka sannadlaha ah +) (Qiimaha xajmiga x Sicirka sicir bararka ee sanadlaha ah]]
Warka wanaagsani maaha inaad xisaabiso qiimaha isku dhafan ee naftaada. Taa baddalkeeda, waxaad booqan kartaa Waaxda Hantidhowrka Mareykanka ee Waaxda, kaas oo soo dhigaya qiimaha go'an, sicir bararka, iyo qiimaha isku dhafan ee xilligan xaadirka ah, iyo weliba wakhtiyadii hore, dhammaan canshuurta kaydka .
Si aad u bixiso macquul ah suurtogalnimada, Taxanaha Kaydinta Kaydinta ee la soo saaro inta u dhaxaysa Maajo 1, 2015 iyo Oktoober 31st, 2015 waxay ku kasbadaan% 0.00 dulsaar. Sababtoo ah sicir bararka ayaa ah -0.80% qiimaha go'an waa 0.00%.
Mar kasta oo qiimo taban la soo saaro, Hantidhowrku wuxuu isticmaalaa sicir eber; wax ka dhacay arimo badan oo soo kordhay sannadihii la soo dhaafay, sababtoo ah siyaasadda lacagta kaydka ee Federaalka. Tusaale ahaan, Bishii Nofembar, 2009, qiimaha go'an waxaa la dhigay 0,10% iyo sicir bararka oo ah -2.78%, taas oo keentay dulsaar xiiso leh eber. Waxaa jira, si macno ahaan ah, ku dhawaad ma jirto sabab wanaagsan oo lagu xulan karo maalgashiyada shahaadada caymiska FDIC ee deebaajiga xilligan.
Waxyaabihii hore uma soo laaban horraantii sanadka 2010 markii taxta dakhliga kaydka ee I ee loo yaqaan "I" loo qoondeeyey sida soo socota:
Sicirka khilaafka = 0.30%
Heerka sicir bararka ee sannadka ah 1.53%
Heerka isu dheelitirka = [Qiimaha isku dhafan + (2 x Sicirka sicir bararka sannadlaha ah +) (Qiimaha xajmiga x Sicirka sicir bararka ee sanadlaha ah]]
Heerka isku dhafan = 0.0030 + (2 x 0.0153) + (0.0030 x 0.0153)]
Heerka isku dhafan = = 0.0030 + 0.0306 + 0.0000459]
Heerka isku dhafan = 0.0336459]
Heerka isku dhafan = 0.0336
Heerka isku dhafan = 3.36%
Si kasta oo ay tahay, waa hab-dhaqameed wanaagsan oo ah in isha lagu hayo taariikhda dib-u-dajinta sababtoo ah markii qiimaha uu yahay mid soo jiidasho leh, way adag tahay in lagu garaaco lacagta bond-ka I bonding sababtoo ah faa'iidooyin badan oo ka sarreeya canshuuraha shirkadaha ama xitaa xuduudaha dawladda hoose ee canshuuraha .
Faahfaahin dheeraad ah oo ku saabsan Seri I Kaydinta Bond
Waxaad ka akhrisan kartaa Hagahayaga Hagaajinta Taxanaha Kaydinta Taxanaha I. Tani waxay kugu socon doontaa adoo soo maraya macluumaadka ku saabsan bangiga kaydka, gaar ahaan taxanaha kaydka taxanaha ah, oo ay ku jiraan sidaad kuugu dari lahayd faylalkaaga, xaddiga iibka sanadlaha, shuruudaha lahaanshaha, faa'iidooyinka canshuurta, iyo wax ka badan.