10 Bhuku rakanakisisa rekubhadhara chikwereti mari

Izvi Bond Mutual Funds NdeyeZvakasarudzwa Zvokuda Kuwedzera Kwekutsvaga

Kana iwe uchida kuvaka nzvimbo yakasiyana-siyana yemari yekuwana mari-inowedzera, iwe uchada mari yakawanda-yekusimwa mari yekubatsira mari yako .

Paunenge uchitsvaga mari yepamusoro-bhizimisi mari, ingova nechokwadi chokuti hausi kungotarisa zvibereko zvakanyanya. Pane humwe hutano hunofungidzirwa apo uchitarisira mari yakanakisisa yekutenga.

Ndezvipi Zvikuri Zvikwereti Zvikwereti?

Izvo zvinozivikanwa sekusina zvipfeko, zvisungo zvepamusoro-bheni zvibvumirano zvinobhadhara michero yakawanda nekuda kwechikwereti chechikwereti chechikwereti.

Kunyanya, zvibvumirano, kana masangano anobudisa zvibvumirano, ane chikwereti chezvikwereti zvikwereti pasi pekutsvaga bhizinesi (azasi pasi peBBB ne Standard & Poor's kana pasi peBa naAody's credit rating). AAA iripamusoro). Bhandi inogona kugamuchira chikwereti chakaderera pamusana pengozi yekusasikirwa pane chikamu chebato rinobudisa bhandi.

Nokuda kweizvi, nekuda kwedambudziko iri risina kukwana, masangano anounza zvibvumirano izvi achabhadhara mari yakawanda yekutora kubhadhara vatyairi vekutora mungozi yekutenga zvisungo, naizvozvo zita rakakura rinobudirira .

Funga nezvekodha yemari yako. Vanokwereta nevarombo (pasi) mari yechikwereti vanowanzobhadhara mari yakawanda yezvikwereti pazvikwereti zvavo kana zvikwereti zvekadhi rechikwereti kune vakwereta vane chikwereti chakanaka kana chakanaka. Ndiyo pfungwa imwe chete neyezvibvumirano zvinosunungura zvezvisungo, izvo zvinogona kunge zvikambani, hurumende inoshandiswa nehurumende, uye hurumende, dzomunharaunda uye dzehurumende.

Nzira Yokusarudza Yakanakisisa Yakanakisisa Kupa Bond Mutual Funds

Usati watenga mari yepamusoro-bhizinesi mari, kana chimwe chekutsinhanisa, kune zvishoma zvingangodaro zvingaitwa munguva yekutsvakurudza nekuongorora.

Heano mamwe emakona makuru kana nzira yekusarudza yepamusoro-yepamusoro yehupfumi mari:

• Rudzi rweAkgari: Kana mari yacho ichatarirwa mumutero wekodha, iwe unogona kufunga kuchitenga chikwereti chakakwirira chemasimende, iyo inobhadhara mari iyo isingabhadhari mitero kune federal income level. Mari inokweretwa haisi kuongororwa kwemarenda akaremberedzwa mutero, akadai seIRAs uye 401 (k) s nokuti mari inowanikwa haibhadharwi kune muzvinabhizimisi apo huwandu hwekubhadhara mari hunochengetwa munyaya.

• Mutero Wechesi: Kuvandudza nekujekesa nheyo yapfuura, mari isingabhadhari mari inobatsira zvikuru kune vashandi vari mubhakitari dzepamusoro, apo kuderedza mari inotengesa mari inogona kunge yakakosha zvikuru, kana ichienzaniswa nevashambadziri mubhakketi shoma. Kuyera kubatsirwa kwekushandisa mari yekusabhadhara mitero, vatengesi vanogona kuverenga mutero unobhadhara mutero , dzimwe nguva unonzi mutero unobatsira.
• Mutero-Wakaenzana Kubhadhara : Mutero-yakaenzana wezvibereko = chiyero chekuda ÷ (1 - yako inotora mutengo)
• Dambudziko rekutsungirira: Mari yepamusoro-bhizimusi mari inogona kubhadhara zvakadai sezvikwereti, zvichireva kuti kushanda kunogona kuenzanisa nepamusoro pezvikwereti zvehutano zvehutano; zvisinei, kuderera kunogona kuoma. Semuenzaniso, mugore ra2008, gore rekare rekodhi yematambudziko echikwereti, mari yakawanda-yakabhadhara mari yakasara yakaderera 5 kusvika ku10 muzana, asi mari yakawanda yekusungirwa mari yakawedzera ye 5 kusvika ku10 muzana. Mugore raitevera, 2009, mari yakawanda yemari yakabhadhara mari yakashambadza 10 kusvika ku20 muzana, asi zvikwereti zvehurumende zvakasara zvakaramba zvakasimba pane mazana mashanu kusvika ku7 muzana. Pasi pepamusoro: Kana iwe usina kukodzera nekusagadzikana mumutengo, mari yakawanda-yezvibereko mari ingasave yakasarudzwa iwe. Kuongororwa kwakanaka kunogona kuva bhadha index fund seVanguard Total Bond Market Index (VBMFX), iyo inoona Bloomberg Barclays US Aggregate Bond Index .

• Zvimwe Portfolio Holdings: Kunyange zvazvo mari yepamusoro-bhizimusi mari yakakwirira mumusika kune ngozi yekodhi, inogona kufananidzwa zvakanaka nehuwandu hwehupfumi hwemari. Semuenzaniso, kana iwe uine bhadha index index, pamwe chete nemari yakasiyana-siyana yemari, mari yakakwirira-yekushambadzira mari inogona kunge iri rumbidzo yakanaka iyo inowedzera kusiyanisa pamapato ako.

Chikwata chepamusoro-chepamusoro chekubhadhara mari

Sezvo pasina humwe-hukuru-hunokodzera-yose yakasununguka-bhizimusi mari, tinosimbisa maitiro gumi anogona kunge akawedzera kuwedzerwa kukurudzirwa kworuzhinji.

Mune urongwa husina hanya, hezvino sarudzo dzedu dzepamusoro dzepamusoro-bhizimisi mari yehupfumi:

1. Vanguard High-Ipai Mutero- Kununurwa (VWAHX): Kana uri kutsvaga zvibereko zvakakura uye iwe unoda kuderedza mari inotengesa mari nebhadhari-shoma, pasina-mutual mutual fund , VWAHX inogona kunge yakakosha zvakakwana pane zvaunoda. Ipapoti yacho inosvika zviuru zviviri zvemasuo emumatare, izvo zvisingabhadhara mutero. Iyo SEC Inopa VWAHX iri 2.87 muzana uye chiyero chebhadharo chinongova 0.19 muzana, kana $ 19 ye $ 10 000 inotengeswa. Izvo zvishoma zvishoma kutanga kwekutsinhanisa ndeye $ 3,000. Sezvakaitika kune vazhinji veVanguard mutual funds, unogona kuwana mari shoma yekudhura kana ukatenga Admiral shares, izvo zvinowanzova nekushambadzira kwekutanga kwe $ 50,000.

1. Vanguard Long-Term Investment Grade Bond (VWESX): pamwe chete nezvibereko zvakakura, vatengi vanofanirwa kutarisira kukwirira kwemakisi, kana vachienzaniswa nehuwandu hwebato rebhadha. Zvisinei, VWESX ine hutano hwakanaka hwekukohwa kwepamusoro uye dambudziko risina kuenzaniswa rienzaniswa nejunkiest yezvisungo. Kusunga kwenguva yakareba zvinowanzobhadhara zvibereko zvakakwirira kudarika zvishoma uye zvepakati-zvisungo zvepanguva uye chikamu chekukweretwa kwekwereti yezvisungo muVWESX inongova zvishoma pasi pekutsvaga bhidhi credit quality . Chibereko chezvino cheVWESX chikamu zvikamu 3.57 kubva muzana, mari inoshandiswa inongova 0.22 muzana, uye zvishoma zvishoma kutanga kwekutsvaga $ 3,000. Kuchenjerera pane mari yakareba yezvisungo zvemari: Inharaunda yehuwandu yehuwandu inopfuura yakanyanya kupfuura mari yezvisungo inobata zvisungo zvepakati pekuvhara. Shanduro: Mitengo inogona kuwira mukukwira kwenharaunda yekudyara; zvisinei, kushanda kwenguva refu kunotarisirwa kuve kwakakwirira kudarika nguva shoma yezvisungo mari.
2. T. Rowe Price Corporate Income (PRPIX): Imwe mari yepamusoro yebhadharo inobhadhara zvibereko zvakanaka pasina kutora chikwereti chakawanda chekwereti ndeye PRPIX. Uyewo, kuva wepakati- yechinguva bhadha, PRPIX haina kutakura mutengo wekuda kwehuwandu sekuda kwenguva yakareba mari. Itai kuti zvinhu izvi zvive nehuwandu hwezvinhu zvakaderera nemadhora (0.60 muzana) uye ruzivo rwekutarisira (kubvira muna 2003) uye mune imwe yepamusoro-yepamusoro yehutano mari yekutenga. Izvo zvishoma kushandiswa kwekutanga kwe PRPIX ndeye $ 2,500.
3. Kuvimbika Kwekuwana Mari (SPHIX): Kana iwe unonyanya kukoshesa chibereko, SPHIX isarudzo yakanaka. Muchero wezvino we5.23 muzana ndeimwe yezvakanakisisa zvehutano hwemari pamwe chete, uye chikamu chebhadharo che 0.72% chinonzwisisika; zvisinei, chikwata chechikwereti chezvizhinji zvebato iri pasi pegorosi rekutsvaga. Saka, kana uri kutsvaga mari yakanaka yebhadha, SPHIX inofanirwa kutarisa. Izvo zvishoma zvishoma kutanga kwekutsinhanisa ndeye $ 2,500.
4. Kutendeka Nguva Pfupi Inowanikwa Muhomwe Mukuru (FSAHX): Vashandi vanotsvaka zvibereko zvakakosha asi mukana wekutora mutengo wakaderera unoda kutarisa FSAHX. Icho chikwata chechikwereti chakaderera chinoita kuti pave nemugove wekutengeserana asi hutengeserwo huri kukohwa kwakanyanya (4.03 muzana) uye nguva yenguva pfupi yakasarudzwa inopedza dambudziko rekuda kwehuwandu, iyo inonyanya kuziviswa mukukwira kwechikwata chenharaunda. Zvinodhura zveFSAHX zvinokwana 0,80 muzana uye zvishoma zvishoma kutanga kwekutsvaga kuri $ 2,500.
5. Fidelity Capital & Income (FAGIX): Iri mari inowanikwa munzvimbo yakakwirira-yezvibereko pakuti inopa chikamu chemari (inenge 20 kubva muzana) kugovera mashizha. Izvi zvinowedzera zvishoma zvematengesi asi zvinogonawo kushandiswa kwemajisi kwenguva. Chibereko chezvino cheFAGIX chikamu 3.60 kubva muzana uye chiyero chemari inenge 0,73 muzana. Izvo zvishoma zvishoma kutanga kwekutsinhanisa ndeye $ 2,500.
6. Vanguard High-Yield Corporate (VWEHX): Varimi vanotarisira zvibereko zvakakura uye vanoda kutora mungozi yakawanda kuti vawane, vachafarira zvavanoona muVWEHX. Zvizhinji zveporofiti yacho ine zvibatanidza pasi pekutsvaga bhajiro asi chibereko che 4,78 kubva muzana uye kuderera mari ye 0.23 muzana inogona kunge iri kufara kune vashandi vezvibereko. Izvo zvishoma zvishoma kutanga kwekutsinhanisa ndeye $ 3,000.
7. Vanguard Long-Term Corporate Bond Index (VLTCX): Kana iwe uchida mari yakaderera yemari uye unoda zvibereko zvakanyanya, VLTCX inofanira kuva pane yako pfupi pfupi yekuwedzera pane yako yeporofiti. Kunyange zvazvo mari iyi inongowanikwa muVanguard's Admiral shares, zvinoreva kuti iwe uchada kusangana nehuwandu hwekutsvaga kwema $ 10 000 kuti utange, iyo inodhura yehutengo ye 0,77 muzana chete uye chibereko chazvino che 4.07 muzana inoita kuti mari iyi ive yakakodzera kufunga.
8. California Long-Term Tax Inoshandiswa (VCITX): Kunyange zvazvo VCITX ihurumende yemudhipatimendi wehurumende, mari inobva mubhadharo iri isina mutero ku federal level uye mudunhu rehurumende (kana iwe uchigara munharaunda umo masangano ehurumende akabudiswa ). Municipal bond funds haisi nguva dzose kupa zvibereko zvakanyanya. Asi kana iwe uchigara mune imwe nyika ine mitero yakakwirira, hurumende nehurumende pamwe chete pamwe chete nemitengo inobatsira inogona kuva yakakosha. Chibereko cheVCITX chikamu 2.30 muzana. Paunotora mukoti wakaenzana wemitero, inokwira kusvika ku3,5 muzana. Mariro yeVCITX iri 0.19 muzana uye zvishoma zvishoma kutanga kwekutsvaga $ 3,000.
9. Nheyo Yenguva refu yeNew York Inoshandiswa (VNYTX): Nokuda kwechikonzero chakafanana VCITX inogona kuva sarudzo yakanakisisa yevatengi vezvibereko zvakanyanya muCalifornia, New York varairi vanogona kutora VNYTX. Yeuka kuti zvikwereti zvemutero-mari yaunosungirwa ndeyomutero wekwereta. Chibereko cheVNYTX chikamu 2.27 kubva muzana uye pamwe chete mutero unobhadhara mutengo kune vagari vomuNew York vaizove vakakwirira kudarika ma3%. Imari yeVNYTX iri 0.19 kubva muzana uye zvishoma zvishoma kutanga kwekutsvaga kuri $ 3,000.

Zvinonzwisisika: Mashoko ari pawebsite ino anopa mazano ekukurukurirana chete, uye haafaniri kushandiswa zvisina kunaka sekutsvaga mazano. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.