Kune mari yehurumende yemari, mari yehurumende yehurumende, mari yehupfumi yehurumende yeUnited States, mari yepamusoro yekusungirwa mari , mari yekunze mari yekunze, mari inosvika kune dzimwe nyika, mari yehurumende yehurumende, mari yehupfumi, nguva refu mari yebhadha, mari yekuchengetedza mari inotengeswa (MAZANO) mari yezvisungo, mari yezvikwata zvehurumende, uye urongwa hunoenderera mberi.
Asi pane iwe unofanirwa kupeta zvinyorwa kana mazana emari yekubatana mari, takaderedza zvisarudzo kune urongwa hwehutano hwakanaka huri mune zvikamu zvishomanana zvakasiyana izvo zvinoshanda zvakanaka kune vakawanda vevatengesi - kwenguva refu vatengesi vari kutsvaga zvakakwirira, zvisingabhadhari mari pamwe chete mari.
Best Bond Index Funds
Index yemari inogona kuva yakasarudzwa sarudzo kune vashandi vanotarisira kuvhara chikamu chikuru chemusika chaiwo nekuchengeta mari shoma. Heano pane zvitatu zvehurukuro yakanakisisa yemari kune iyo inotengeswa muzvisungo:
- Vanguard Total Bond Index (VBMFX): Bhengi iyi inoshandisa zviuru zvezvisungo, izvo zvinosanganisira kugadzira yose inoshambadzirwa nepamushambadzi weAmerican bond market. Saka kana iwe wakagadzirira kuwedzera nzvimbo yako yepamusoro uye kuenzanisa dambudziko nemari yakaderera, yakasiyana-siyana bond index fund, VBMFX ndiyo mari yako. VBMFX ine mari shoma inodhura ye 0.16 muzana uye $ 3,000 zvishoma zvishoma kutenga kokutanga.
- Kuvimbika Total Bond (FTBFX): Kana uri kutsvaga mari yakawanda yakasiyana-siyana iyo inogona kutora mari yakakwirira kupfuura mari yakafanana munguva refu, FTBFX isarudzo yakanaka. Iko mari yezvisungo inobata zvibvumirano zvinopfuura 2,700, asi zvinowedzera kuwedzera kupfuura VBMFX, iyo inobata zvikwere zvinopfuura 10 000. Chigumisiro, kunyanya zvakaitika kare, ndeyekuti FTBFX inokwanisa kukurudzira kudzoka kwakakwirira munguva refu (kureva makore gumi kana kupfuura) kutora ngozi yakawanda, asi nenzira yakachenjera. FTBFX ine mari shoma yebhadharo ye 0.45 muzana uye ine zvishoma zvishoma inotengeswa $ 2 500.
- Vanguard Intermediate-Term Bond Index (VBIIX): Iri rondedzero rinotarisa pane zvingave zvakanyatsorondedzerwa se "nzvimbo inotapira" yezvisungo kudyidzana - inopindira-nguva yezvisungo. Kushanda kwenguva pfupi kusungirwa kune mikana yakashata yemisika yemisika, asi iyo inobereka zvibereko zvishoma uye inodzoka kwenguva refu. Uye zvisungo zvemazuva mazhinji zvinogona kuunza zvibereko zviri nani nekushanda. Vanotakura mararamiro akawanda emusika munguva shomanana kudarika kushamwaridzana-nguva yezvisungo. Saka, neVBIIX, unowana mukana wakawanda wekuda uye kudzoka, vose vane chikwata chebhadharo chakaderera che 0.16 muzana chete. Izvo zvishoma zvishoma kutanga kwekutsinhanisa ndeye $ 3,000.
Zvakanakisisa 'Enda Kwese' Zvikwereti Zvisungo
Vashandi venguva refu vanga vasingafungi kutora zvishoma zvemari yemari yemari vangada kufunga nezvehutano mutual fund inogona kutenga chero rudzi rwehutano mumarudzi akasiyana-siyana emisika. Iko mari yezvisungo inowanzoitwa se "multi-sector" bond bond nokuti inobata marudzi akasiyana ezvisungo, kusanganisira riskier high-yield bonds uye dzimwe dzisungo.
- Loomis Sayles Bond (LSBRX): Mari yeBond sezvakaita LSBRX inogona kubhadhara kudzoka kwezvakafanana munguva yakareba, asi iwe unofanira kuve wakagadzirira kupera kukuru mumisika yakaoma. Somuenzaniso, apo hupfumi hwakanyura muna 2008, LSBRX yakawa -22 muzana. Zvisinei, yakasvitsa 37 muzana muna 2009, apo kudzoka kwakatanga. Kwemakore akawanda, nhoroondo inoratidza kuti njodzi inogona kuve yakakodzera uye LSBRX inogona kukurira zvakanyanya boka rechikwama chezvisungo. Nhamba yebhadharo inonzwisisika pa 0.89 muzana kana iwe uchitarisana neboka rine ruzivo rwehutano. Izvo zvishoma kushandiswa kwekutanga kweLSBRX i $ 2,500.
- Pimco Income Fund Chikoro D (PONDX): Kana uri kutsvaga zvibereko zvakakura uye usingafungi nengozi yakakwirira inouya pamwe chete nayo, PONDX ndeimwe yemari yakasungirwa mari yakawanda kunze uko. Iri mari inonyanya kukodzera kune vashandi vanowedzera kuenzanisa kusvika kune huwandu hwekutsungirira kwekutsvaga kutsvaga mari yakakwirira yezvino kubva muzvikwereti zvavo. Kunyange zvazvo "muranda wemambo," Bill Gross akasiyiwa PIMCO, kambani yaakagadzira iine imwe yezvinyorwa zvakanakisisa zvepamusoro-soro yezvisungo mari mune mutual fund universe. PONDX ine chikamu chekubhadharisa mari pasi pe-average ye 0.79 muzana uye zvishoma nezvishoma kushandiswa kwemari inosvika $ 1 000.
Best Bank Bond Funds
Vashandi vanoda kuchengetedza mitero kune zvishoma vanogona kunyatsofungisisa kubatsirwa kwemahofisi ehurumende yemari, iyo isingabhadharwi nemitero yehurumende uye zvichida isina mvumo yehurumende (kana mari yezvisungo inobata zvikwereti mukati mehurumende yekugara kwekutanga). Pano ticharatidza hurumende yehurumende mari iyo inobata zvisungo kubva kumativi ose enyika. Izvi zvichatibatsira kuwedzera mikana yekudzoka kwemazuva mazhinji uye zvichida zvibereko zvakakwirira.
- Vanguard High Kubhadhara Mutero Wakabhadharwa (VWAHX): Vashandi vanotsvaka mari yebhadhadha yemasitatimendi ehurumende iyo inopa hutano hwakanaka hwezvibereko uye kudzoka ichaita sezvinoona muVWAHX. Handizvo chete VWAHX inotsvaga kubata zvibvumirano zvepamusoro-soro asi zvakare yakarohwa zvakapfuura 95 kubva muzana yepamusoro-kubhadhara mari yehutano hwemakore matatu, 5-, 10- uye 15-dzoka. Itai kuti chibereko ichocho uye kushanda pamwe chete nemari shoma ye 0.2 muzana uye kutanga kwekutsvaga kwema $ 3 000, uye iwe uwane imwe yepamusoro-yega-musimende yemasisita mari yekusungwa mune mutual fund universe.
- T. Rowe Mutengo Wemari Mutengo Wose Wakawanda (PRFHX): Kune varairidzi avo vanoda chibereko chakawanda pasina mari yakawanda-yakawedzera mutengo, PRFHX isarudzo yakasimba. Kunyange zvazvo mari iyi inobata riskier yakakwirira-zvibvumirano, hazvina kugovera zvakanyanya kune izvi zvisina kushandiswa munzvimbo yakasarudzwa sevheji yepamusoro-bhizimisi mari. Uye iyo isina mvumo yekusungirwa kwemasisita inoita kuti mari iyi iwedzere kune yakakosha kune avo vanoda mari yekubhadhara mari yekambani yavo inotengesa. PRFHX ine mari shoma yebhadharo ye 0.69 muzana uye zvishoma nezvishoma kushandiswa kwema $ 2 500.
- USAA Mutero-Kunyoreswa Pakati Pakati-Nguva (USATX): Kana uchida kuwedzera mari yakakosha, yakachengetwa yemasisita mari yehupfumi yako, USATX ndiyo mari yakawanda yekufungisisa. Chimwe chinhu chikuru chechikwata chechishanu-nyeredzi ndiro boka rekutungamirira rakange riri munzvimbo kubva kuma1990, iyo inogara kwenguva yakareba mune mutual fund industry. Ichi chiitiko chakaburitsa pamusoro-chiyero chekushanda kunoenzaniswa nedzimwe mari mumutero-kusunungurwa mutual fund category. Nhamba yebhadharo yakaderera pasi pevhareji pa 0.55 muzana uye kushandiswa kwekutanga kweUSATX kune $ 3,000.
Mamwe Mashoko Mashoma Pamusoro Pekuwana Zvikwereti Zvakanakisisa Zvebhandi Kwako
Kunyangwe urongwa urwu hwezvisungo zvekusungwa hunosimbisa zvimwe zvekunakisisa zvaunogona kutenga mune zvakasikwa zvekuwana mari, iwe unogona nguva dzose kuenda kunze nekuita tsvakurudzo yako pachako. Kana, iwe unogona kuwedzera kaviri-chengetedza unhu hwemari iyi iwe pachako uye uite zvishoma zvekuchikoro kuitira kuti uve nechokwadi chokuti akakodzera kushivirira kwako panjodzi uye zvinangwa zvekutsvaga kwenguva refu.
Paunenge uchitsvaga mari yakanakisisa yekusungirwa mari kwenguva refu, iwe unogona kungorega kubvisa zvibereko uye kuisa pfungwa pamusoro pemakore mashanu, gumi nemakore gumi nemashanu ekudzoka kwechirongwa (kwete chivimbiso) chekuti mari inoita sei pamusoro mumakore gumi anotevera kana zvakadaro.
Paunenge uchitsvaga mari yakanakisisa yemari yekuwana mari, iwe unoda kutarisa kwemazuva makumi maviri ekuberekwa kwe SEC , izvo zvinoreva chibereko chekuverenga chinobva pamazuva makumi matatu ekupera kwezuva rekupedzisira remwedzi wapfuura. Chibereko chiripo chinoratidza zvikamu uye chikwereti chakawanikwa munguva iyo, mushure mekuderedzwa kwemari mari.
Chimwe chinangwa chekutsvaga mari muzvisungo zvemari ndeyekusiyana -siyana . Bond yemitengo inofambisa kune zvakasiyana nedzimwe shanho yemari. Saka kana Federal Reserve Board ichiratidza kuti ichaderedza chikwereti chavo chekuda kubhadharwa kubhengi, mutengo wezvisungo unowanzoenda kumusoro. Uye Kudha kazhinji kunowedzera pasi apo hupfumi hahuna simba.
Saka zvibatanidzwa zvehurumende zvinogona kuita zvakanaka apo hupfumi uye mushambadziro hazviiti. Nokuda kwechikonzero ichi, vashandi vakawanda vanoda kufambisa mari yezvisungo muzvikwata zvavo zvekupa huwandu hwekugadzirisa uye kugadzikana apo mari yavo yekutengeserana mari inogona kuwira mumutengo.
Mari yeBond inowanzosara mumusika kune misika, uye zvisungo zvingasimudzika zvakakosha kunyange sematokari zvichatsika, asi kushandiswa kwakanakisisa kwebhadha mari ndekuvashandisa pamwe chete nematokari emari yezvikwata zvakasiyana -siyana zvemari .
Iko Balance haisi kupa mutero, utsvaga, kana mari yemari uye mazano. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kubvumira kusangana nematambudziko kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru.