"Core" mari ndeyekuti ichangobva kushandiswa - mari yakawanda yezvibatanidzwa mune izvi yakashandura mazita avo kusanganisira shoko rokuti "core".
Mhando mbiri dzeCore Funds: Active uye Passive
Mari yebhadha inogona kunge inoshanda, izvo zvinoreva kuti vatungamiri vanowanzochinja mahofisi ekugadzira mapepa kuti vatore mikana kana kudzivisa njodzi, kana kusatenda, izvo zvinoreva kuti vanocherechedza nhamba. Kusiyana kwakakosha pakati pevaviri ndechokuti vatungamiri vanoshingaira vanoedza kuita zviri nani kudarika mavhareji emigumisiro yemusika, asi mari isingadi kuedza kuenzanisa kudzoka kweenzanisi inofanirwa - kureva, kusaita zvakanyanya (kana kuti zviri nani) kupfuura yevhareji. Izvo zvinobatsira uye zvisingabatsiri zvekushanda nekushambadzira mari zvisingabvumirwi zvakanyanya - imwe neimwe yezvikwata zvekutsvaga ine vatsigiri vayo uye vanozvidza.
Bond index funds , kunyange zvazvo isina kutakura "core" label, inogona, chaizvoizvo, inomiririra imwe yakakodzera kusungirwa kwehutano kune vashandi vakawanda.
Mari dzinotarisa kushandiswa kwebato-bhizinesi index sezvakaitwa neBarlaylay Aggregate Index ine zvikomborero zvakasiyana siyana, kusanganisira kuparadzanisa kwakakura, kutarisira kudhura kwekutengesa, uye chokwadi kuti mari yacho haizotambudziki zvakanyanya mune gore rakapiwa nekuda kwezvakaipa zvisarudzo zvemutungamiriri. Panguva imwe chete, zvisinei, mamwe mazita emari inogona kunge ane uwandu hwakakosha muhurumende dzehurumende uye zvichidaro inenge yakanyanya kunzwisisika kune chikwata chekuwedzera kwezvikwata.
Uye, sezvakataurwa, nedudziro ivo havakwanisi kuita zviri nani kudarika zviyero.
Zvinhu zviviri zvinokosha zvakakonzerwa neCore Bond Funds
Ngwarira kuti havasi vatengi vanoona maonero e "core" nenzira imwe chete - shoko harina kana rakagadziriswa kana rakagamuchirwa pane zvinoreva. Chimwe chikwereti chakakonzerwa nekambani imwe chingaita sechasiyana zvakanyanya kupfuura chikwereti chikuru chakabudiswa nomumwe. Mukuwedzera, vatariri vanoita basa vanogona kutora nzira dzakasiyana-siyana - nehutano hwakasiyana hwekubudirira. Mukuwedzera, mamwe mari achabvumira zvimwe zve "kuenda-chero kupi zvako" nzira iyo inosanganisira zvikwereti zvakakura zvezvibereko kana zvimwe zvikwereti zvisati zvamboitwa mubhuku rekutsvaga mabhizinesi. Sezvo pane kuchinja kwakanyanya mukati memutambo, inobhadhara kuongorora gwaro rega rega kunyatsoona kuti rinonyatsotakura chii, iro rave rakaita sei munguva, uye kuti rakachengetedza sei pamusika kutengesa. Muchidimbu, usafungisisa nezvezita rega roga iro gwaro rekubatanidza mari rinosangana nechinangwa chako.
Imwe nyaya ine mari yepamusoro ndeyekuti vazhinji havaregi kuyerwa mumisika yepasi rose , misika yemashambadziro , kana kuti zvibereko zvakakura zvezvibereko. Somugumisiro, hutano hwehutano hwehutano hunogona kunge husingaiti kuti huve huwandu hwehuwandu hunotarisirwa nevarimi. Uyezve, sezvo kuisa mari kune dzimwe nyika uye kumakambani emakambani ekubudirira kunowanzova nekuderera kuderera kune kudiwa kwehuwandu hwemari kune iyo inowanikwa mumakambani ehurumende ane huwandu hwekuchengetedza muhupfumi nemabatanidzwa emakambani, mari yakakura inogona kunge yakanyanya kufanirwa nehuwandu hwehuwandu hwehuwandu kune huwandu huwandu hwehupfumi .
Mumwe mutengesi anoda kuzadzisa huwandu hwemhando dzakasiyana-siyana angafunga kubhadhara mari yavo yepamusoro nehuwandu hwezvibereko uye / kana mari yepasi rose.
Nzira Yokugadzira Mari muCore Bond Funds
Vashandi vanoita sarudzo pakati pemari yekutengeserana kana mari yekutengesa-inoshandiswa mari (ETFs). Mutengo wemari unogona kutengwa zvakananga kubva kune kambani kana kuburikidza nemutengesi, nepo ETFs dzinoda kubhadharwa kwekambani. Nhengo mbiri dzepakati pekubatana kwemari pamwe chete ndeyePIMCO Total Return Fund (ticker: PPTDX), DoubleLine Total Return Fund (DLTNX), nepo matatu eEFF anozivikanwa zvikuru ndeyeVanguard Total Bond Market ETF (BND) uye iShares Core Total US Bond Market ye ETF (AGG), uye PIMCO Total Return ETF (BOND). Sezvo nguva dzose, paunenge uchiita mari muhomwe kana ETF, funga nezvemari yehupfumi yehupfumi. Kutsvakurudza kwakasimba munzvimbo ino kunopedzisa izvozvo
- Kutarisirwa mari yepamusoro inokosha inobata mararamiro emakore akawanda.
- Chirongwa chinopesana chiripo pakati pekutarisira mari uye mari yekugadzirisa - mari inonyanya kushandiswa inoshandiswa pasi inoshandiswa muhuwandu hwehurumende apo mari nemari yakaderera kupfuura yepamusoro.