The Basics on Fixed Revenue Funds
Kazhinji inonzi bhadha mari, mari yakagadziriswa mari inongova mari imwe chete iyo ine zvikwereti zvitsva zvakadai seSouth Treasury, zvibvumirano zvehurumende, masangano ehurumende, nezvimwewo. Iyi mari yakagadziriswa mari inouya mumhando dzakawanda uye maitiro.
Ngatitangei nemarudzi mashanu ezvinyorwa zvemari yakasimbiswa mari.
Pfuma-Imari Yakachengetedzwa Zvakachengetedzwa (TIPS) Fixed Income 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 .
Pano pane zvishoma zveZVO dzakanaka dzakasimbiswa mari:
- Vanguard Inflation-Yakachengetedzwa Securities Fund
- T. Rowe Price Inflation Yakachengetedzwa Bond Fund
- Kutendeseka Kwekuchengetedzwa Kwezvokuchengetedzwa-Bhuku Rakachengetedzwa Bond
Municipal Fixed Income Funds
Mahofisi akasarudzwa emari ekubhadhara mari anosunga zvikwereti zvinowanikwa nemasiteni 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
Aya ndiwo mashomanana emunharaunda akakurumbira anoshandiswa mari:
- Vanguard Pakati Pakati-Mutero Wemitero Unoregererwa
- Kuvimbika kweMapato eMari Chikamu
Investment Grade Grade Corporate Fixed Income 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. Simba rekutsvaga mari yezvemari yakasimwa mari yakabhadhara mari inobvumira vashandi kuti vawane bhizinesi dzakasiyana-siyana dzehutano hwekambani, kuderedza ngozi (kubhadhara chikwereti, dambudziko rekukwereka kwenharaunda uye kubhadhara dambudziko).
Makambani akawanda ehurumende yemari anotengesera mabhizimusi ebhizimisi mari yakashata yemari nemitambo yakasiyana-siyana uye maturities. Zvikamu zvakawanda zveVanguard bond bond dzakanyorwa pasi apa:
- Vanguard Short-Term Investment Grade
- Vanguard Intermediate-Term Investment-Grade
- Vanguard Long-Term Investment-Bhuku
High-Yield Fixed Income 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.
Pane imwe yepamusoro yepamusoro-yakabereka yakaiswa mari yekuwana mari:
- Vanguard High-Yield Corporate Fund
- Fidelity High Income Fund
International Fixed Income 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 yekutenda / kuderedza. Kunewo hutano humwe mari huripo hunoshandisa mari yekuvhara-kuitira kuti usadzivirire maitiro ezvokutengeswa kwematengo emari.
Ramba uchifunga mupfungwa dzako: Usati waita mari mune imwe mari yakagadziriswa mari pane zvinhu zvishomanana zvinofanira kutariswa. Sechinhu chekutanga, funga kuverenga "Usati Waita MuBond Mutual Fund."