Method of Purchase
Pane musiyano mutsva munzira iyo vatengi vanogona kutenga mutengo wemari kuenzaniswa ne ETFs.
Mari inowanikwa pamwe chete inowanikwa zvakananga kuburikidza nekambani inobhadhara kana kuti kuburikidza nemudzidzisi wezvemari, asi inowanikwawo kuburikidza nekwereti dzekwereti. Kunyange zvazvo mari yakawanda isina mari kana zvigadzirwa zvepamusoro-soro, mumwe mubhadhari ari kubhadhara mutengo uyu wekutengesa achaoma zvakaoma kuti achengetedzwe nekushanda kwe ETFs kana kuderedzwa kwemari iyi kuwedzerwa mukudzoka kwavo. ETFs hadzina mitoro, iyo inowedzera, asi iyo inobhadhara mitero sezvo inotengwa uye inotengeswa sezvikwata. Izvi zvinodawo kuti mutengesi aise kambani yekwereti, iyo yaisazofanira kuita kuti atenge mutero wekutengeserana.
Vashandi vanofanirwa kutora zvose izvi zvinodhura (mitoro uye mari yekubhadhara mari) mumafungiro avo pavanoongorora mari uye zvikwereti zvemari pamwe chete neEFs.
Zvinodhura
Mari dzinodhura ndiwo mahedheni anokosha pakati pemari pamwe chete neEFs. Vavhareji bond mutual fund ine chikamu chemari yegore roga roga ye 0.61%, asi muvhareji webatanidza ETF ine chiyero chebhadharo cha 0.40%.
Kusiyana kwemashoko maviri ehupamhi (0.21 kubva muzana) inogona kunge isinganzwi sezvakawanda, asi nekufamba kwenguva inogona kuva nechinangwa chekudzoka nekuda kwekuwedzera kwekuwedzera kwekuwedzera kwezvikwereti kune kushanda gore negore. Mari yepamusoro inonyanya kunetseka nemari yezvisungo, apo kunotarisirwa kwegore negore kunodzoka uye 0.21 zvikamu zvepakati zvinogona kureva kukura kwakakura kunze kwekuwana mari.
Izvi zvinotova zvekufungisisa zvino zvakapiwa ma-ultra-low yields pane zvakakwirira-zvakachengetedzwa.
Performance
Itafura iri pasi apa inoratidza kuenzanisa kwekubhadhara mari yezvisungo uye yeTBF yezvisungo mukati mezvikamu zvakasiyana pamusoro pemakore matatu nemashanu ekupera kweJune 30, 2014.
Ramba uchiyeuka kuti pane dzimwe nguva kudzoka kunokonzerwa nehuwandu hukuru hwekuenzanisa mune imwe nzvimbo yakatarwa panguva yemakore mashanu. Semuenzaniso, pakanga pane mashoma mashoma e-ultrashort-term bond ETFs, iyo inobatsira kutsanangura kukanganisa kukuru mukushanda munharaunda iyoyo.
Mutual fund data inowanikwa kubva papeji yeRatinstar rekudzoka, ETF inodzoka inobva ETF centre pa Yahoo! Mari.
| Chikamu | Kudzoka Kwemakore 3 | Kudzoka Kwemakore 5 |
| Ultrashort Term Bond (Mutual Funds) | 0.93% | 1.67% |
| Ultrashort Term Bond (ETFs) | 0.95% | 0.34% |
| Nguva Yenguva Pfupi (Mutual Funds) | 1.85% | 3.21% |
| Nguva Yenguva Pfupi (ETFs) | 1.96% | 2.68% |
| Pakati pepakati-Term Bond (Mutual Funds) | 4.08% | 6.02% |
| Pakati pepakati-Term Bond (ETFs) | 3.38% | 4.64% |
| Municipal National Short (Mutual Funds) | 1.63% | 2.16% |
| Municipal National Short (ETFs) | 1.26% | 1.65% |
| Municipal National Intermediate (Mutual Funds) | 4.23% | 4.96% |
| Municipal National Intermediate (ETFs) | 4.37% | 5.43% |
| Mutambo weNational Municipal (Mutual Funds) | 5.61% | 6.06% |
| Municipal National Long (ETFs) | 6.04% | 6.25% |
| Kubhadhara Zvikuru Muni (Mutual Funds) | 7.21% | 8.51% |
| Kubudirira Kukuru Muni (ETFs) | 7.45% | 8.47% |
| Inflation Yakachengetedzwa (Mutual Funds) | 2.63% | 4.88% |
| Inflation Yakachengetedzwa (ETFs) | 3.22% | 5.43% |
| Corporate Bond (Mutual Funds) | 6.17% | 8.50% (7/11) |
| Corporate Bond (ETFs) | 6.18% | 7.67% |
| Kubhadhara Zvikuru (Mutual Funds) | 8.24% | 12.57% |
| Kurema Kwakakwirira (ETFs) | 7.82% | 11.90% |
| Bank Loan (Mutual Funds) | 5.06% | 7.77% |
| Bank Loan (ETFs) | 4.95% | n / a |
| Nyika Bond (Mutual Funds) | 3.43% | 6.02% |
| Nyika Bond (ETFs) | 3.27% | 3.61% |
| Emerging Market Bond (Mutual Funds) | 3.84% | 9.29% |
| Emerging Market Bond (ETFs) | 3.10% | 9.98% |
Izvo zvinoshandiswa zvinoshandiswa zvinopa mari yekutengeserana, izvo zvingangodaro zvisingashamisi zvakapiwa kukura nokukurumidza kwe ETF yezviyo mumakore achangopfuura. Chimwe chikamu chikuru chemari pamwe chete chinonyatsogadziriswa kufananiswa ne ETFs, saka kupererwa kwavo kwakanyanyisa kunoratidza kuti vashandi vari kuwana kukosha kwemari yakakwirira.
Rimwe rubatsiro rwekubhadhara mari ndeyekuti mitengo yavo haina kuregererwa kubva kuhutano hwezvivimbiso zvepasitorendi panguva dzenguva yemisika, inogona kuitika ne ETFs.
Chinhu chinonyanya kukosha: iva nechokwadi chekufungisisa zvose zvakanyatsofungisisa paunenge uchisarudza, kusanganisira mitero yemitero, mari uye nemigumisiro yenguva refu yemari chaiyo yaunofunga kutenga.