Kuti inflation inokanganisa sei yakatarwa-term deposits

Hyperinflation inoitika kana inflation yemwedzi nemwedzi inodarika 50%

Zvakadini kana inflation, ko kana yakatarwa-term deposits ... zvechokwadi kanopfuura kamwe wasangana mashoko asinganyatsonzwisiswi uye hauzivi kana unogona kurasikirwa mari uye kuita zvisarudzo zvakaipa. Imwe yemibvunzo yakajairika kana tichitaura nezve inflation uye yakatarwa-term deposits kuziva kuti inflation inokanganisa sei yakatarwa-term deposits. Chinhu chakanaka here kana chakaipa?

Kana iwe uchida kuziva kana inflation yakanaka kana yakaipa maererano nefixed-term deposits wobva watarisa ruzivo rwatakakugadzirira iwe.

Chii chinonzi inflation

Izvo zvakaoma kumisa kana kudzora hyperinflation

Usati wataura newe pamusoro pemigumisiro ye inflation maererano nekugara kwenguva refu, zvakakosha kuti unzwisise zvakakwana zvatiri kutaura pamusoro pekuwedzera kwemari. Maererano neRAE, inflation kuwedzera kwehuwandu hwemutengo. Mune mamwe mazwi, iko kuwedzera kwemutengo, kuwedzera, kukwira kana kuwedzera kwemitengo kazhinji.

Kukwira kwemitengo kunoreva kuti kukosha kwemari kunodzikira nekuti unogona kutenga zvishoma nemari yaiwanikwa kare uye yawaigona kutenga nayo zvimwe zvinhu.

Munyika imwe neimwe, inflation inotsamira pane zvakati wandei zvinhu zvakaita se:

  • Demand yakakura kudarika yekupa. Ndokureva kuti, chii chinoitika ndechekuti zvimwe zvigadzirwa kana masevhisi zvinorairwa kupfuura zvinopihwa mumusika. Muenzaniso wakajeka unogona kuve zvakaitika nemasiki panguva yedenda, nekuda kwekudiwa kwakanyanya kwaivepo, mitengo yakakwira zvakanyanya.
  • Kuwedzera mumitengo yekugadzira yechinhu chakanaka kana sevhisi. Paunenge uchigadzira chigadzirwa chinodhura kupfuura zvakajairwa, chinhu chakajairika ndechekuti mutengo wekutengesa unokwirawo kubhadhara kuwedzera kwemutengo wezvinhu zvakashandiswa.
  • Inflation yakazvigadzira. Zvinoitika sekufembera, zvichiita kuti mitengo yezvinhu kana masevhisi ikwire zvishoma nezvishoma kuitira kushomeka kwehomwe dzevatengi.
  • Inflation yehwaro hwemari. Iko kugadzirwa kwakakura kudarika huwandu hwemari mukutenderera kuunza kuwedzera kwezvinodiwa uyezve kuwedzera mitengo nekuda kwekushomeka kwekukwanisa kushandira zvigadzirwa zvese zvakakumbirwa.

Chii chinonzi fixed-term deposits?

Kune mhando dzakasiyana dzemabhangi

Kune chikamu chayo, isu tine yakatarwa-term deposits. Zviri a chigadzirwa chemari chavanokupa nacho yakagadziriswa uye yakavimbiswa kudzoka. Kuti uite izvi, chaunofanira kuita kuchengeta imwe mari yakaiswa mubhangi kwenguva yakati uye, panguva iyoyo, haugone kuifambisa kana kuitora.

Iyo yakanyanya mari yaunogona kuisa mari kuti usava nenjodzi i100.000 euros pamuridzi uye mubatanidzwa. Mari iyi imhaka yekuti inopihwa insurance neDeposit Guarantee fund.

Pakati pe akanyanya kukosha maitiro aunofanirwa kufunga nezvawo kana waita chibvumirano chenguva yakatarwa dhipoziti Ndizvo zvinotevera:

  • Profitability, inova mubereko waunopihwa nebhangi wekuva nemari kwenguva yakati.
  • Temu, inova kureba kwenguva iyo dhipoziti inogara uye kazhinji inotangira pakati pemwedzi mitatu ne36.
  • Mari, inova mari yauchaisa muakaundi iyoyo uye yausingazofambi kwenguva yakati.
  • Settlement, inova nguva iyo mubereko unogadzirwa nedhipoziti iyoyo yemari ichabhadharwa kwauri.
  • Cancellation, inova mukana wekutora mari yawaisa mari iyoyo isati yapera nguva yakatarwa. Zvechokwadi, iwe unofanirwa kuyeuka kuti pachava nechirango pamubereko.

Sei inflation ichikanganisa fixed-term deposits

kune iyo yemazita muhoro uye chaiyo muhoro kuti ienzaniswe, iyo yekuwedzera inofanirwa kunge yakaenzana neiyo inflation

Zvino zvawava nenzwisiso yakadzama yekuti inflation chii uye kuti chii chakatarwa-term deposits ndeipi, unogona kunge watova nepfungwa yekuti nei ichikubata. Iyo yakatarwa-nguva dhipoziti ine mubereko uye mamiriro asingachinji nekufamba kwenguva. Izvi zvinoreva kuti kana inflation yakakwira kana yakaderera, hazvizokukanganisa iwe, asi, muchokwadi, unenge uchirasikirwa nemari.

Kukupa zano, Chero inflation iri kuzobvisa simba rekutenga remari yawaisa muakaundi yekubhanga iyoyo. Semuenzaniso, fungidzira kuti une zviuru gumi zvemaeuro mudhipoziti yakatarwa ine mubereko wepagore we10.000%. Inflation yepagore i0%. Izvi zvinoreva kuti uri kurasikirwa nemari nekuti vanongokupa 5%. Uye iwe unorasikirwa ne2%.

Nechikonzero ichi kuti nyanzvi dzinogara dzichikurudzira kutsvaga yakatarwa-yenguva madhipoziti ane yakanyanya mubereko mubereko kana kunyangwe ichi chigadzirwa chemari hachishandiswe, asi icho chine mubereko wakasiyana-siyana.

Zvirikujeka kwauri iko zvino kuti inflation inokanganisa sei yakatarwa-term deposits?


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  1. Inotarisira iyo data: Miguel Ángel Gatón
  2. Chinangwa cheiyo data: Kudzora SPAM, manejimendi manejimendi.
  3. Legitimation: Kubvuma kwako
  4. Kutaurirana kwedata
  5. Dhata yekuchengetedza: Dhatabhesi inobatwa neOccentus Networks (EU)
  6. Kodzero: Panguva ipi neipi iwe unogona kudzora, kupora uye kudzima ruzivo rwako