Mari dzeMunhu mumwe nomumwe vs. Bond Funds
Nyaya yekutanga yekufunga ndeyekuda kuva nezvisungo zvemunhu mumwechete kana mari yezvisungo . Mumwe munhu anovaka chikwereti chezvisungo zvemunhu mumwe nomumwe haatombooni kuona kushandiswa kwekushanda kwakakosha mumusika wekutengeswa kwemotokari sezvo huwandu hwakawanda hwezvisungo huchakura huripo par.
Kunyange zvazvo pane nguva dzose mukana wekuti hurumende inogona kutadza , iyo ngozi inogona kuderedzwa kuburikidza nekutarisa nyaya dzakakwirira.
Kusiyana neizvi, mari yezvisungo haina kukura asi asi inokosha zvichienderana nemutengo wekugoverana unopfuurira nguva dzose. Somugumisiro, vatengesi muzvisungo zvehurumende vanoda kuve vakangwarira kune zvakakonzerwa nezviitiko zvekunze zvakadai semusika wekutengesa muzvikwata.
US Treasures: Bhete Yakanakisisa yeStock Bear Market
Kuchengeta mupfungwa kuti hapana mavimbiso mumisika yezvemari, US Treasury ndiyo chikwereti chezvisungo chinowanzoita zvakanaka kana mashizha ari mumisika yebhebhu.
Munguva yemusika webhebhu wakatanga kubva musi waOctober 11, 2000, kusvika musi waMarch 10, 2003 (kupararira kwe "dot-com bubble"), US stocks yakawira 39%, asi chibereko pamakore gumi cheMari yeHurumende yakabviswa kubva ku 4.63% kusvika 3.59%. (Ramba uchifunga mupfungwa dzako, matengo uye zvibereko zvinotarisana nenzira dzakasiyana .)
Muchikwata chikuru chinotevera chebhebhu - January 10, 2008, kusvika musi waMarch 12, 2009 (iyo dzimba / mortgage crisis) - Nhamba dzeUnited States dzakaderera 45.3%, asi makore gumi akabatanidzwa kubva ku 3.91% kusvika ku 2,89%.
Somugumisiro, mumwe muzvikwereti uyo akabata mugove weZvivigiro kana Mari yeHaimari inogona kunge yakawana kurasikirwa kuduku kune yese yaimbova.
Chimwe chikonzero nei ichi chiri chikonzero ndechokuti misika yekutengesa inowanzowa nekuda kwekutya kwekuderedza hupfumi hwehupfumi , rubatsiro runogona kushanda kuti rufambidzwe nePfuma.
Hurumende yehurumende inobatsirawo kubva kune " ndege kuenda kune hutano " apo vashandi vanowedzera kukuvadza panjodzi - sezvinowanzoitika apo mashizha ari kuwira.
Chibvumirano chakakosha Nhamba dzekutsvaga mu Stock Bear Markets
Anthony Valeri weLPL Financial akatarisa 14 kudengenyeka kwemusika wekutengeswa kubva muna 2004 kusvika muna 2013 muFirm January 2014 Bond Market Perspectives. Panguva yekuderera uku, S & P 500 Index yevana veUnited States yakanyoreswa kuwirirana kudzoka kwe -12.3%.
Mune nguva imwechete nguva, Barclays US Aggregate Bond Index yakawana chikamu che1%. A 60% / 40% mazamu ematokisi uye zvisungo zvakaenzana nekudzoka kwe -7.0%, 5.3 kubva muzana kubva kune imwe nzvimbo yepoteforeti inotengeswa zvachose mumatanda.
Valeri anoti, "Muzviitiko zvishomanana, mashamba maviri uye zvisungo zvakaderera pamwe chete. Uyu ndiwo mugumisiro unoshungurudza uye unoratidza kukundikana kwekusiyana-siyana, asi hazviwanzove zvakadaro, zvisungo zvakakwanisa kuparadzanisa zvikwata pazviitiko izvozvo."
MAZANO NEMABHANDI AMASI: A Toss-Up
Mutengo Wekutsvaga Nhepfenyuro-Kudzivirirwa Kuchengetedzwa uye kusungwa kwemasimende kunogona kupa kudzivirirwa mumusika webhebhu wezvikwata - zvikurukuru zvichienderana nechinokonzera, uye ukuru, kutengeswa. Zvose zvikamu zveAsset zvakabudisa hupfumi muna 2000-2003, izvo zvakakonzera kuderera kwakakosha mumatengo emitengo asi zvishoma nezvoutano nezvehutano hwehutano hwemari yose.
Kusiyana neizvi, mutengesi webhebhe ra2008 waiva - pakadzika kwawo - pamwe chete nekunetseka pamusoro pekuparara kwenyika yebhengi yepasi rose uye kukwanisa kwekunetseka kwehupfumi. Sezvo ichi chiitiko chakaipisisa chingaendeswa ne deflation (kuwira kwekutengesa) uye kwete kutengesa , MAZANO emitengo yakawa. Masangano eMaspala akaiswawo pasi, sezvo kushungurudzika pamusoro pehupfumi hupfumi hwakakonzera kutya pamusoro pokuwa kwehupfumi hwehurumende nehurumende.
Iko kunotora, saka, ndeyekuti mari inoshandiswa muzvikamu izvi zviviri inogona kupa rusvingo runopikisana nemisika yebhebhe mumatokari, asi hapana chivimbo-kunyanya kana varairi vanove vakanyanyisa pangozi.
Bond Market Zvikamu Zvinofanira Kudzivirirwa Apo Stocks Fall
Mune chikamu chemashamba emisika yemabhesi, zvikwata zvebhizimisi zvebvumirano zvinowanikwa pachena kune chikwereti chekubhadhara chikwereti -kusiyana nehuwandu hwehuwandu hwehuwandu hwemari - ndiyo iyo inowanzova panjodzi yekuderedza mutengo.
Izvi zvinosanganisira - muhutano ivo vanonyanya kutambura, kubva kudiki kusvika kune vakawanda - kushandiswa kwekodhi- mabhizimisi emabatanidzwa (kunyanya zvishoma-yakasangana nehutano), zvikwereti zvakasununguka zvepamusoro , uye kubuda kwemashamba mabhizimisi .
Kana vashandi vekurima vachiva nehanya nehuwandu, mari inoshandiswa mumitambo iyi ichasvika ichitambura kukura kwekukosha kwehukuru. Somugumisiro, vatengesi munharaunda idzi vanofanira kuve vakanyatsotarisana nemigumisiro inogona kukuvadza yemakethe yebhebhu mumatanda.
The Bottom Line
Zvikwereti, seboka, hazvirevi kusvika pamatanda apo kuenda kunowedzera, uye Pfuma inogara ichibatsirwa nemari-kutengesa kwematengesi. Somugumisiro, kukanganisa muzvisungo zvinogona kupa chikwata chinobatsira kuchengetedza vatengesi kubva pakuzara kwakakwana kwemashamba emari kutengesa. Zvisinei, zvakakosha kuti tive nehanya nekuti dzimwe zvikamu zvebhizimisi zvezvisungo zvichatambura kurasikirwa apo mashizha achiwa. Nzvimbo inokosha kupfuura dzose: nokuti chikwereti chine "bond" muzita rayo hazvireve kuti inenge iri pangozi .
Zvinonzwisisika : Mashoko ari pawebsite ino anopa zvinangwa zvekukurukurirana chete, uye haafaniri kutorwa semazano ekutsvaga mari. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro. Nguva dzose taurirana nemudzidzisi wekutsvaga mari uye muteresi wezvemitero usati waita mari.