A Primer paBond Fund Nezvienzaniso
Bond mutual funds inouya mumhando dzakawanda uye maitiro. Ngatitangei nemishanu maitiro ezvinyorwa zvehutano mutual funds, muchipa mienzaniso yehutano mari yehutano.
Investment Grade Grade Bond Mutual Funds
Simba rekutsvaga mabhizimusi mabhizimisi ehurumende anounzwa nehupamhi hwehurumende makambani kuitira kuti iwedzere mari yekambani. Izvi zvisungo zvinowanzoenzaniswa neBBB uye pamusoro pe S & P kana Baa uye pamusoro naMoody's. Kuita zvekutsvaga mabhizimisi ehurumende yehutano mari yemari inobvumira vatengesi kuti vawane bhizinesi yakasiyana-siyana yehutano hwekambani, kuderedza ngozi (kubhadhara chikwereti, kutengesa kwenharaunda uye ngozi yekudzorera).
Makambani akawanda ehurumende yezvemari anotengesera mabhizimusi ehurumende yehurumende pamwe nemari yakasiyana-siyana. Mari dzakawanda dzeVanguard dziri pasi apa:
- Vanguard Short-Term Investment Grade
- Vanguard Intermediate-Term Investment-Grade
- Vanguard Long-Term Investment-Bhuku
Yakawanda-Kuzvipira Bond Mutual Funds
Bhizimisi-zvipfeko zvisungo zvinowanzoidzwa se "zvisungo zvisingabatsiri" pamusana pemari yavo yakaderera chikwereti. Izvi zvisungo zvinobudiswa nemakambani uye zvakarongwa pasi peBBB ne S & P uye / kana pasi peBaa naMoody's.
Bhizimisi-bhizimisi zvisungo zvinowanzova nezvibereko zvakakwirira kudarika kubhadhara mabhizinesi emakambani ehurumende nekuda kwekuwedzera mari yechikwereti inotorwa nemutengi wezvisungo. Saka, yeuka, kukohwa kwakakura kunouya nezvibereko zvakakwirira asi ngozi yakakwirira.
Pano pane mari yakawanda yepamusoro-kubhadhara mari pamwe chete:
- Vanguard High-Yield Corporate Fund
- Fidelity High Income Fund
Pfuma-Imari Yakachengetedzwa Zvakachengetedzwa (TIPS) Bond Mutual Funds
MAZANO amabatanidzwa akabudiswa neUnited States Treasury iyo inobhadhara chikwata pamusoro wekugadziriswa kwezvisungo. Icho chisungo chinoshandiswa pane imwechete yegore negore nemutengo weVatengi Vekuenzanisa Indekisi (chiyero chekuwedzera kwezvinhu). Saka, MAZANO anonzi anoramba achifambidzana nekutengesa kwenyika kuburikidza nekudzorera mukuru mukuru akazogadziriswa pakukura uye kubhadhara zvikwata munzira. Pane humwe hutano uye hunodiwa hweTIPS mutual funds .
Heano mamwe mazano emabatanidzwa emari pamwe chete:
- Vanguard Inflation-Yakachengetedzwa Securities Fund
- T. Rowe Price Inflation Yakachengetedzwa Bond Fund
- Kutendeseka Kwekuchengetedzwa Kwezvokuchengetedzwa-Bhuku Rakachengetedzwa Bond
Municipal Bond Mutual Funds
Mahofisi ehurumende yehurumende yemari inosunga zvikwereti zvinosungirwa nemasitori akadai semaguta uye nyika. Kusungwa kweMaspala kazhinji kunogamuchirwa mutero unobhadhara. Kufarira kune vakawanda mumasuo ehurumende hakuregi mutero ku federal level uye haina mutero-vasingabhadhari kune vashandi vanotenga masisiti emabhangi anounzwa mukati mehugaro hwavo. Iko kunewo pachake-mabasa emasisita masangano.
Vashandi vanogara muCalifornia, Massachusetts, New York, uye dzimwe nyika dzakawanda, vane zvakawanda zvingasarudzwa kuti vashandise mune mari mbiri dzisingabhadhari dzemasitatimendi emhuri mutual funds (Federally nehurumende isina mutero).
Vamwe vatengesi vachawana hurumende yehurumende yehurumende yemari kuti ive inokosha.
Kazhinji, kunze kwemamiriro akawandisa, masangano emumatare ane muchero wakaderera kupfuura kusungirwa zvisungo zvehutano hwakafanana, zvichiita kuti zvidikanwe kunzwisisa mutero wakabhadhara
Pano pane mamwe mapurisa maviri ehurumende yemari:
- Vanguard Pakati Pakati-Mutero Wemitero Unoregererwa
- Kuvimbika kweMapato eMari Chikamu
International Bond Mutual Funds
Kungofanana nezvo zvinonzwika, mari yepasi rose inoshandiswa mari inosungirwa muzvisungo zvakabudiswa nemamwe masangano kunze kwenyika. Vashandi vanogona kutora mukana wehuwandu hwemadhora eUnited States kuburikidza nekutenga chisingaiti chekunamatira mari yehurumende yehurumende. Zvimwe zvose zvakaenzana (kusungirwa kwehutano uye mutengo wekutengeserana), kana iwe uri nehutano hwekune imwe nyika uye US dollar ichirasikirwa pasi kune iyo yekunze mari yekunze, iwe uchawana / kurasikirwa zvichienderana nemari yekune imwe nyika yekuonga / kuderedza.
Kunewo hutano humwe mari huripo hunoshandisa mari yekuvhara-kuitira kuti usadzivirire maitiro ezvokutengeswa kwematengo emari.
Heano mazita mashomanana emabhengi ehurumende:
- T. Rowe Price International Bond Fund
- Kutendeseka Kwepasi Pose Bond
Izwi rekupedzisira paBond Mutual Funds
Usati waita mari muhurumende yehurumende kune zvinhu zvishomanana zvaunofunga, zvakadai sezvinangwa zvako zvekutsvaga uye kushivirira kune njodzi. Ko mari yezvisungo yakakunakira iwe here?
Heano mamwe magwaro ekukubatsira kutungamira pakusarudza mari yakakodzera kwauri:
Kuvaka nzvimbo yakasiyana-siyana, vatengesi vakachenjera kufunga nezvekushandisa mari inopfuura imwe yekusungirwa mari uye kukurudzira mari yezvisungo nemhando dzakasiyana dzemari pamwe chete.