Takatora Yakanakisisa Bond Index Index Mari dzekutenga kubva kuVanguard nekuvimbika
Zvechokwadi, zvimwe zvezvikwereti zvekutsinhanisa kwekutsvaga mari zvinogona kuva zvakakosha nehurumende mari kupfuura yewavo mari yemari cousins. Semuenzaniso, vazhinji vanobatana nehurumende vanotarisa mari inenge vachida kutsvaga mari yakawanda kubva kune mari yavo yezvisungo sezvinobvira uye mari shoma inowanikwa neyemari inoenzanisira zvechokwadi inobatsira mubasa iroro.
Imwe mafungiro akawanda vatengi vanoita zvinonzwisisika, izvo hazvisi zvechokwadi, ndeyekuti iyo yose yakanakisisa yemari mari inongowanika kuVanguard Investments. Kunyange zvazvo Vanguard pasina mubvunzo kuti mambo wekubhadhara mari shoma, uye zvizhinji zvehurukuro yepamusoro yemari inowanikwa muVanguard lineup , kuchine zvishoma zvisarudzo zvisarudzo kune mamwe makambani emari, kunyanya kubva kuVanguard rival Fidelity Investments .
Saka nechekare, tichagovera zvakanakisisa bond index funds mumapoka akasiyana-siyana, izvo zvichabata zvose zvezvisungo zvakanyanya .
Best index Funds ye Total Bond Market
Kana uri kutsvaga imwe bhadha yakanaka yekusungirwa mari, kana iwe unoda hutano hwakasimba huripo kune imwe nzvimbo yakasarudzwa yemari, chikamu chemari yebhadharo yekushambadzira isarudzo dzakachenjera. Heano zvimwe zvishoma pane zvakanakisisa:
- Vanguard Total Bond Market Index (VBMFX): Chibvumirano chakakura zvikuru munyika, VBMFX inopa vashandi kutarisana nezvose zvakashambadzirwa muAmerican market market, iyo inosanganisira zvinopfuura 8 500 zvisungo. Kuti uite izvi VBMFX inotevedzera Bharlay 's US Aggregate Bond Index . Nhamba yebhadharo yeVBMFX idombo-pasi ye1.16 muzana uye huwandu hwekutsvaga kwekutanga huri $ 3,000.
- Kutendeseka Zvikamu Zvese Bond (FTBFX): Kunyange zvazvo Fidelity's Total Bond fund ine mari yakaderera zvakanyanya (0.45 muzana) kupfuura VBMFX, mari yakawedzerwa inogona kuve yakakosha nokuti FTBFX yakagara ichisimudzira kudzoka kwegore nekudzoka. Iko mari inoita izvi nekuisa pfungwa dzayo (inenge 1 300 ichienzaniswa ne 8,500-plus yeVBMFX) muzvisungo muBarclay's Aggregate iyo inogona kubereka zvakanakisisa kubudirira uye zvibereko. Izvi zvinoita kuti zvive zvishoma riskier kupfuura imwe yezvisungo index mari asi ichiri nepamusoro-sarudzo yepamusoro neyakakwanisa kuwana zvakanyanya munguva refu. Izvo zvishoma kushandiswa kwekutanga kweFTBFX i $ 2,500.
Best index Funds yeBond-Term Bonds
Nguva yakareba yezvisungo zvehurumende inowanzoita zvakanakisisa apo zvikwereti zvinowira pasi asi kana iwe uchida kuwedzera nguva yakareba yekusungirwa mari kune chikwereti chako, mari yekuenzanisira inogona kuva sarudzo yakanaka. Vanguard uye Kuvimbika zvakare vane mamwe emari yepamusoro iri muchikwata ichi:
- Vanguard Long-Term Bond Index (VBLTX): Kana iwe uchida kutsvaga zvakakwana mushure mekushandira bhizimusi mushamba, haugoni kuwana chakanaka kupfuura VBLTX. Iko mari inofanirwa neBloomberg Barclays US Long Government / Credit Float Adjusted Index, iyo inosanganisira zvinopfuura 2 000 zvisungo, zvinosanganisira anenge 60 muzana zvisungo zvekugara kwenguva refu uye 40 muzana nguva refu muSouth Treasury bonds. Nhamba yebhadharo yakaderera pa 0.16 kubva muzana uye zvishoma zvishoma kutanga kwekutsvaga kuri $ 3,000.
- Kuvimbika Kwenguva Yakawanda Pfuma Yenyika Bond Index (FLBIX): Kana uri kutsvaga kukwidziridzwa kwepamusoro kwenguva refu yeUnited States Treasury, FLBIX ndeimwe yezvakanakisisa mari yekuita basa. Iko mari inowanzopa mari inenge 80 muzana yezvinhu zvayo muBharclays Long Year US Treasury Index. Izvo zvikwata zvinowedzera uye zvinowanzotarisana makumi mashanu. Nhamba yebhadharo yakaderera pa 0.20 muzana uye zvishoma zvishoma kutanga kwekutsvaga $ 2,500.
Best index Funds yeBonds Yenguva Pfupi
Kushanda kwenguva pfupi kushamwaridzana kusarudzo kwakanaka kune vashandi vanotarisa kutengesa kwepamusika kwemisika yemari uye nguva dzekutsinhanisa pasi pemakore matatu.
Kusungwa kwenguva pfupi kunowedzerawo kuwedzera kwehuwandu hwehuwandu hwemari, zvinoreva kuti vanogona kunge vakangwara kuisa mari mazano kana zvikwereti zvinowedzera (mabhizimisi emitengo inowanzoenda kune zvakatarisana nechinangwa chechibereko).
- Vanguard Short-Term Bond Index (VBISX): Kana uri kutsvaga kutengesa mari shoma pakusarudzwa kwakakwana kwezvisungo zvenguva pfupi, VBISX imwe yezvisungo zvakanakisisa zvemari yemari yako. Ipapoti yacho inowanikwa ne30% yezvisungo zvekambani uye 70 muzana yehurumende yehurumende yeUnited States. Iyi kusanganiswa inopa kuenzanisa kwehutano nekuchengeteka izvo zvinogona kubereka zvibereko zviri nani pane mari yakafanana iyo inowedzera 10 muzana yemari muhurumende yehurumende. Nhamba yebhadharo yeVBISX iri 0.16 muzana uye zvishoma zvishoma kutanga kwekutsvaga $ 3,000.
- Kutendeseka Nguva Yenguva Pfupi Imari Bond Index (FSBIX): Sezvinoreva zita, FSBIX inotarisa kuUnited Treasury bonds. Iyo nzvimbo yepamusoro inotarisa zvigaro kusvika ku80 muzana yezvinhu. Zvivigiro zvepfuma zvinowanzova nezvibereko zvishoma kudarika zvibvumirano zvekambani asi mungozi yemusika inoderera. Saka, kana uri kutsvaga kuchengeteka kwakakwana kwevakuru mumushure penguva pfupi, FSBIX inogona kusarudza zvakanaka. Nhamba yebhadharo iri 0.19 muzana uye huwandu hwekutsinhanisa huri $ 2 500.
Best Index Funds yeBonds Dzepasi Pese
Kana uri kutarisa kune zvakasiyana-siyana mari yako yebhandi inobhadhara kunze kweU.S., chisarudzo chakanaka ndechokushandisa mari yekutsvaga inoshandisa kune dzimwe nyika zvisungo.
- Vanguard Total International Bond Index (VTIBX): Kune vashandi vanoda kuisa mutsauko kune dzimwe dzisungo kune dzimwe nyika, pamwe chete nechikwata chimwe chete chakanaka uye iri mari kubva kuVanguard. VTIBX inotsvaga kutarisa kushanda kwenzoro inosanganisira marudzi akasiyana ezvisungo, kubva kune dzimwe nyika hurumende nehurumende yehurumende uye zvisungo zvekambani, kunyanya kubva kunyika dzakabudirira, asiwo kubva kune dzimwe dzidiki dzakashambadzirwa misika yepasi. Nhamba yebhadharo iri pasi pedombo pa1.17 muzana uye zvishoma zvishoma kutanga kutenga $ 3,000.
Best index Funds yeMamwe Mabhizimisi Emhando
Kune zvikamu zvakasiyana-siyana zvezvibvumirano asi zvishomanana zvinowanikwa sehuwandu hwemari uye zvakakodzerwa nekutengesa mari ndezvemitero-kusabhadhara zvibvumirano uye mari yehupfumi yezvokuchengetedzwa kwezvakachengetedzwa (MAZANO) mari. Vanguard uye Kuvimbika vane zvisarudzo zvakakosha pano:
- Vanguard Tax-Exempt Bond Index (VTEBX): Iri bhengi rinokonzerwa nehutano rinopa huwandu hwehutano hwemasangano emasisita, ayo asingabhadharwi mutero kune federal income level. Mamwe masisita emasungwa anopawo mari isina mutero asi inofanirwa kuve kubva kune dzimwe nyika uye masunharaunda apo mutengi anopa mari anogara. Zvisinei, kuzvidzora kune rimwe chete nyika kunoderedzawo mikana yezvibereko zvakakwirira nekudzoka kwenguva refu. Nokudaro, mutero wakasiyana-siyana unoshandiswa mubhadharo hunoshandiswa sevTEBX unogona kusarudza zvakanaka. Nhamba yebhadharo ndeyeVTEBX iri 0.25 muzana uye zvishoma zvishoma kutanga kutenga $ 3,000.
- Kutendeseka Kwezvinyorwa-Chekuchengetedzwa Bond Index Index (FSIQX): Nhepfenyuro yehupfumi-yakachengetedzwa (TIPS) zvisungo zvinogona kushanda sevheti rinopesana nekutengesa kwezvinhu uye FSIQX ndeimwe yepamusoro yeZVO mari kunze uko. Nhamba yebhadharo yakaderera zvikuru pa1.19 muzana uye zvishoma zvishoma kutenga pakutanga ndeye $ 2,500.
Kuchengetedza paBond Index Nhepfenyuro Usati Watenga
Bond index funds mabhuku makuru ekusimbisa uye vanogona kurova mari inogadziriswa yakashandiswa munguva refu. Zvisinei, sezvo ivo vasingakwanisi kunyatsogadziriswa, vatariri vemapatotikiti havakwanisi kutenga uye kutengesa zvigaro pamusana pekuziva kwavo. Kana zvikwereti zvikwira, izvi zvinogona kuva zvisina kunaka nokuti index fund manager inomanikidzwa kubata zvisungo zvinogona kuwira mumutengo kupfuura mari yakafanana iyo inotarisirwa.
Mumashoko akasiyana, kana bhizimisi mitengo inenge yava kuda kuwira kubva mumatombo, bhadha index index manager inomanikidzwa kuenda pamusoro pechiri, asi mutariri anoshingaira anogona kunyanya kudzivisa kuipa kwekuwa.
Nezvo zvakati, mahofisi akawanda emashandi emabhandi ehurumende akatanga kutaurira kuwedzera kwezvikwereti, uye kuwirirana kunowirirana nekutengeswa kwematengo, pakutanga kwegore ra2012. Asi ivo vainyanya kukanganisa. Bonds haina kukanganisa kusvika muna 2013, asi yakashanduka yakawanda kuburikidza ne 2017. Bond index yakawedzera mari yakawanda yakawanda kubva muna 2014 kusvika muna 2016.
Chinonyanya kukosha ndechekuti kunyange vatungamiri vemari vepanzvikoni havagone kunyatsorondedzera uye nguva dzose vanofanotaura kuti zvipi zvinotengeswa mumisika. Ichi ndicho chikonzero mari yemari inowanzova yakanakisisa yekutsvaga mari kune varairi vese.
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.