Ndezvipi Zvibereko Zvikuru Zvinowanikwa?
Kukwirira kwehutano kusungirwa ndeyezvisungo zvakabudiswa nemakambani ane zvikwereti zvitsva izvo zviri pasi pekutsvaga kwekwereti. Muenzaniso wekambani yekutsvaga bhizinesi yaizova Microsoft kana Exxon Mobil , makambani makuru makuru munyika dzine mari yakawanda yakadzoka uye tani yemari pamashizha avo ekuenzanisa.
Makambani maviri aya ane zvikwereti zvakakwirira zvekwereti kupfuura hurumende yeUnited States, sezvo pasina mukana wekuti ivo vachatarisa, kana mune mamwe mazwi, vanokundikana kupa chido chavo uye zvikwereti zvikuru panguva.
Kusiyana neizvi, zvikwereti zvakasununguka zvakabudiswa nemakambani ane maonero anovhiringidzika zvakakwana kudzivirira chikwereti chavo kubva pakuva mukana wekutengesa bhidhiyo. Kuzvipira kwepamusoro makambani angave akave nezvikwereti zvakakura zvechikwereti, maitiro emabhizimisi akaoma, kana kuti mari yakaipa.
Somugumisiro, kune humwe huwandu hwavanokwanisa kutadza. Makambani akadaro, saka, anowedzera kuderedzwa kwechikwereti uye vatengesi vanoda zvibereko zvakakwirira kuti vave nezvisungo zvavo. Chikonzero nei zvikwereti zve riskier zvinowanzobhadhara zvibereko zvakakurukurwa zvinokurukurwa munyaya yangu. Ukama Pakati Pengozi uye Kubudirira muBond Market .
Dambudziko rekukwiridza zvikwereti
Kune vanhu vanoita mari yakawanda kuburikidza nemari pamwe chete kana mari inoshandiswa-kutengesa mari (panzvimbo yezvisungo zvemunhu mumwe nomumwe), kusarura haisi iyo inofungisisa.
Nhoroondo yegore negore inokanganisa kushandiswa kwakakura inenge 4% pagore, izvo zvinoreva kuti mari zhinji kana dze ETF dzinoshandisa mari muzvikamu hazvioni kushanda kwepamusoro kubva pane zvisiri izvo mugore rose rakapiwa.
Pane kudaro, dambudziko guru nderokusimudzirwa kwepamusoro kwezvibereko zvakakura zvezvibereko kufanananidzwa nedzimwe nzvimbo dzebhizimisi rechibvumirano.
Kuzvipira kwepamusoro kwehutano kwakagadzirisa zvakanaka kupfuura kwenguva, asi purosi yefa inogonawo kuwira nokukurumidza zvikuru kana nzvimbo yepamusika inoshanduka yakaoma.
Muenzaniso wekupedzisira wakanyanya kuitika wakaitika muna 2008 apo dambudziko remari reUnited States rakakunda misika yakasimba. Kubva paAgust 29 kusvika kuOctober 27 wegore iroro, kukohwa kwakanyanya kwemari kwakarasika kupfuura 25% yehuwandu hwayo. Ichi chaiva chiitiko chisina kujairika, asi chinoratidza mikana yenguva pfupi inogona kubatanidzwa nekutsvaga muzvibereko zvakakura.
Strong Historical Returns
Iyo periodic selling-offs yakafanana neyo yakaitika muna 2008 haina kuderedza kushanda kwenguva refu kwehutano hwehutano hwakawanda. Mumakore gumi emakore akapera musi waAugust 31, 2012, Credit Suisse High Yield Index yakabudisa chiyero chegore rose chekudzoka kwe10.26% - zviri nani kudarika zvikamu zvose zvezvikwereti zvinokonzerwa nemari kunze kwekubuda kwemashamba emari .
Munguva iyoyo nguva, kubhadhara-bhizinesi mabhizimisi (sekuenzaniswa neBarlaylay Aggregate US Bond Index) yakadzoka 5.48% pagore paavhareji, apo US stocks (sezvakanyorwa ne S & P 500 Index) yakadzoka 6.51%.
Hazvisi chete kuti zvibereko zvakakura zvisingabhadharwi panguva iyi, asi zvakaitwa nehafu yezvisina kufanira-zvinoreva kuti mungozi / mubairo wekutengeserana kwaive kwakakosha pane imwe nheyo.
Inofanirawo kuonekwa kuti zvikwereti zvakasununguka zvakaburitsa zvinyorwa zvakanaka 23 zvemakore 28 emakarani kusvika muna 2011 maererano neLipper.
Mukutaura kwezvibereko, mafasi ekorosi akawana zvakakosha zvese nhanhatu zvikamu zvishoma maererano neUnited States Pfuma pane nguva. Zvisinei, kubatsirwa uku - kana kuti zvibereko zvinopararira - zvakapinda mukati mepamusoro. Yakaderera kusvika 2.5 - 2.6 kubva muzana kubva muna 1997 uye zvakare muna 2007, uye yakatsvaira zvakakwirira se21 peresenti mumatambudziko emari muna 2008.
Kudzvara kwehupfumi kunowanzoita zvakanakisisa panguva dzekuwedzera kwezvemari uye kukwidziridzwa kwepamusoro kwekutengesa. Kusiyana neizvi, iyo yeklasi yechikoro inowanzoita zvakanaka kana njodzi yekuderera kune yepamusoro uye / kana vashandi havakwanisi kutora ngozi.
Kuwedzera kwekufambisa kwekufambisa hakune zvakawanda zvingakonzera kukwidziridzwa kwehuwandu hwezvibereko sezvavanoita dzimwe nzvimbo dzemashamba emabatanidzwa sezvo zvibereko zvavo zvinorehwa zvinoreva kuti pfumbamwe-nheyo inofamba muHaigari ine zvishoma zvingaguma pazvibereko zvinopararira sezvazvingaita pane zvisungo nezvibereko zvakaderera.
Peji iyi yakachena neAsset manager Alliance Bernstein inopa mamwe mashoko pamusoro pechinhu ichi.
Gore negore rekodhi yepamusoro yezvibereko zvisungo, pamwe chete nekuenzanisa kwekudzoka kunowirirana kune yezvikwata zviviri uye kubhadhara-bhizinesi zvisungo, zvinowanikwa pano.
Ndiani Anopa Inobhadhara Zvikwereti Zvakakwirira?
Kukohwa zvipfeko zvakakwirira zvinowanzoonekwa sekupa nzvimbo yepakati pakati pezvikwata nezvisungo. Kunyange zvazvo vachigadzirisa zvikwereti zvekuwana mari, hupfumi hwehutano hwakawanda hunove hwakanyanya kudarika kune zvikamu zvakawanda zveboka rezvisungo, uye nekufamba kwenguva basa ravo rinotarisa kunyanya kusvika pedyo nemusika wekutengesa kupfuura iyo inotengeswa mabhizinesi ebhizimisi.
Iko yepasiti yechikoro, naizvozvo, yakakodzera kune mumwe munhu ari kutsvaga mari yepamusoro uye iyo inogona kukwanisa kugamuchira nguva yakareba, asi ndiani anogonawo kudzivisa njodzi uye-inonyanya kukosha - ane kodzero yekuisa kune yekutsvaga kwavo kwetatu kusvika kune imwe makore mashanu. Pamusana pekutsvaira kwavo kwakakwirira, zvibereko zvakakosha zvezvibereko hazvifananidzi kune vashandi venguva shomanana kwenguva yakareba kana kuti kuvhiringidzika kwepakati pengozi .
Nzira Yokushandisa Sei?
Vashandi vezvemagetsi vane sarudzo yekutenga mumwe munhu mukuru wezvibereko zvikwereti kuburikidza nemutengesi. Zvisinei, iyi inyanzvi yekushanda-basa inosanganisira huwandu hukuru hwezivo uye tsvakurudzo. Vazhinji vatyairi vemari vanosarudza kuwanika iyo sangano kuburikidza pamwe chete nemari kana ETFs . Mambakwedza ane zera rakazara rekukohwa kwehupfumi mari, pamwe nekudzoka kwezvakaitika kare. Iyo mbiri mbiri yakakura yezvibereko zveEFs ndeyeSDRDR Barclays Capital High Chibharo Chibvumirano ETF (JNK) uye iShares iBoxx $ High Yield Corporate Bond Fund (HYG). Zvimwe zve ETFs zvinowedzera munharaunda ndeizvi:
- iShares iBoxx $ High Yield Corporate Bond Fund (HYG)
- SPDR Barclays High Chibereko Chekuita ETF (JNK)
- SPDR Barclays Capital Short Term High Kuuya Bond ETF (SJNK)
- iShares 0-5 Gore Rakawedzerwa Kubhadhara Bond Bhurumende ETF (SHYG)
- PIMCO 0-5 Gore rekuAmerica yepamusoro yeUnited States Bond Index Index Fund (HYS)
- PowerShares Pfungwa Yenheyo Yakawanda Yakakosha Bond Portfolio (PHB)
- Peritus High Zvibereko ETF (HYLD)
- Market Vectors Fallen Angel Bond ETF (ANGL)
- Kutendeseka Kwekutanga Kubudirira Bhengai Nguva refu / Pfupi ETF (HYLS)
- Market Vector Treasury-Hedged High Chibereko Bond ETF (THHY)
- ProShares High Kuzvipira-Mutengo Wakavakwa Hedged ETF (HYHG)
- Guggenheim BulletShares 2013 High Yizvibatanidza Kubatana Kwebato ETF (BSJD)
- Guggenheim BulletShares 2014 Kuburitswa Kwekubatana Kwebumbiro reBatanidzwa ETF (BSJE)
- Guggenheim BulletShares 2015 Kuburitswa Kwekubatana Kwebumbiro reEF (BSJF)
- Guggenheim BulletShares 2016 Kuwedzerwa Kwekubatanidzwa Kwebato Bumbi ETF (BSJG)
- Guggenheim BulletShares 2017 High Yield Bond Bond ETF (BSJH)
- Guggenheim BulletShares 2018 High Yield Corporate Bond ETF (BSJI)
- Guggenheim BulletShares 2019 Kubudirira Kwekubatana Kwebato Bumbi ETF (BSJJ)
- Guggenheim BulletShares 2020 Kubudirira Kwekubatana Kwebato Bhuku ETF (BSJK)
Vashandi vanogonawo kuwana ruzivo rwekudyidzana kwenyika dzakawanda dzezvibereko kuburikidza neEFs dzinotevera:
- iShares Global High Yield Corporate Bond Fund (GHYG)
- Market Vectors Chikwata Chekurima Chikwata Chekubhadhara Chikwata Chepamusoro (IHY)
- iShares Global ex USD High Yield Corporate Bond Fund (HYXU)
- PowerShares Global Short Term Term Chikwata Chikwata Chikwata Chedu (PGHY)
- Maketheni Emaketheni Anosimudza Marikisi Mashomanana-Zvibereko ETF (HYEM)
- iShares Emerging Markets High Yield Bond Fund (EMHY)
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. Nguva dzose tsvakurudza zvakanaka musati maita mari.