Nguva yeBond Inokubatsira Kuongorora Bond's Volatility and Risk
Uye kuti ushandise zvakanaka nguva iyo iwe uine mari muzvisungo, haufaniri kuverenga-iwe unongoda kunzwisisa pfungwa. Zvisinei, usati wataura nezvekureba kwenguva yakareba, funga imwe izwi rinosungirirana rine chokuita nekureba kwenguva: kukosha kwezvino.
Chii Chiripo Chiripo?
Nhasi kukosha ndeyekuita mari inokosha panguva yekuongorora. Icho chinopesana ne kukosha kwatingaita mari iyo mune imwe nguva yemberi mushure mokunge yakabatsirwa kubva kune chidimbu chechidimbu . Inobvuma kuti vashandi vanobhadhara kukosha kwemazuva ano kwekutsvaga. Kunyange makore gumi kubva ikozvino mari inoshandiswa pa6 kubva muzana yakawedzerwa gore negore ichave yakakosha zvikuru kupfuura kutanga kwekutsvaga, vashandi vanoisa mari shoma pamari inowanikwa mune ramangwana. Pfungwa inokosha ndeyokuti mari yakagamuchirwa gore rinouya inokosha kudarika mari iri muruoko ikozvino nemari yakagamuchira gore mushure mezvo zvakakosha kunyange zvishoma. Ndeipi yaungada: $ 100 muhomwe yako zvino kana kuvimbiswa kwe $ 100 iwe uchagamuchira mumakore matatu?
Mukuongorora kuti mari yakadini yemangwana inokosha, vashandi vanoshandisa " dhibhasi " - kazhinji inowanikwa muzvikwereti. Mune mutsara wemari inoyerera - yakadai sevatengesi vanogamuchira kubva pachibvumirano - izvi zvinobvumira mubhadhari kuti aise kukosha pamutengo wemari mumwe waanogamuchira. Izvo zvakakwirira kuderedzwa kwehuwandu, zvishoma kudarika kwemari inoyerera zvakakodzera.
Icho chiri pasi chiri kutora chidimbu, iyo yakanyanya kukosha e.
Chii chinotora nguva?
Kune vashandi vemari, nguva yakareba inoshandiswa sechiyero chekusungirwa kwechikwama chechikwama kune huwandu hwezvikwereti zvezvibereko. Zvinorondedzerwa sevhare rakaenzana rebhadharo anowanikwa muzvikwereti achagashira kwenguva yakareba, achideredzwa kuhutano hwezvino.
Nguva yakatarwa, iyo inoratidzwa mumakore, inotarisa kuti mutengo wechibvumirano uchakwira sei kana kuwira apo chido chekuda kuchinja. Iyo yakareba nguva yakareba, hukuru hwehutano hwehutano kune chido chekuda kuchinja. Kubva pane izvi, unogona kugumisa, zvimwe zvose zvakaenzana, kuti pakarepo mushure mekutengesa musungo wemakore makumi matatu, nguva yacho yakakura, uye sezvo sungo rinosvika pakukura kwayo nguva inowira. Saizvozvowo, zvisungo zviduku-zvishoma zvine nguva yekutanga - kusununguka kune chido chekuda kuchinja - izvo zvisingasviki kwenguva yekutanga yezvisungo-kwenguva refu. Nguva yakatarwa, ipapo, inoratidziro rwekusava nemwoyo .
Izvozvo zvinotora nguva yeBond Funds
Nguva yakatarwa, iyo inoratidzwa mumakore, ishoko rokuti vashandi vachasangana pavanoongorora mutual fund investment. Kazhinji, vatungamiri vemari vachataura kuti mapepati avo ndewe " overweight " kana "kwenguva refu," zvinoreva kuti nguva yavo yakakwirira kudarika iyo yemugove wekambani.
Zvichida, iyo portfolio ingangodaro ichange iine "pasi-pasi" kana "nguva pfupi".
Nguva yakatarwa inokanganisa kuwirirana kwehurumende yezvisungo kana chikwereti chezvisungo. Ipapotiketi ine nguva yakareba pamusoro penharaunda yayo inogona kutarisirwa kuti iparadze chidimbu kana zvikwereti zviri kuwira, uye zviri pasi kana zvikwereti zviri kuwedzera. Mukupikisana, imwe nzvimbo yepasitori ine nguva iri pasi-yakatarisa inowanzoparara kana maitirwo ari kuwedzera , uye inoshandiswa apo mazinga ari kuwira . Zvakare, ichi chiyero chaiye chekusava nehanya uye, saka, chekuda, asi kwete chete.
Zvimwe zvinhu zvinokonzerawo kukwidzika kwepodfolio; kunyanya, zvikwereti zvikwereti zvinoshandiswa - iyo nguva yebhandi yekusungirwa mari inodarika nguva yepfuma yemari pamwe nezvakawanda zvakafanana. Cherechedza zvakare, iyo nguva yakatarwa inofanira kuonekwa sechinhu chisinganzwisisiki panzvimbo yekugara kwechigadziro chegadziriro yemari.
Kune mameneja emari yakarongedzerwa zvine simba, nguva yakareba inofambisa chinangwa. Vamwe vatungamiri vanozoshandura zvikwata zvavo zvepamusoro nepakati pezvinotarisirwa zvinotarisana nekutarisana nekugadzirwa kwemashamba. Kubudirira mumusika. Somugumisiro, nhamba yehuwandu hwehuwandu hunobva kubva kune imwe nzvimbo-yakadai seRondstar Morningstar kana mushumo wegore negore - inofanirwa kuonekwa sechinhu chinyorwa pane chinogara chechigadziro chegadziro remari.
Zvimwe ndeye apo ganda rine gwaro rakasiyana-siyana rokusimudza nechinzvimbo chakanaka. Semuenzaniso, mari yakawanda yemari pamwe nemari inoshandiswa-kutengesa mari ine "Nguva Yakareba" kana "Nguva Pfupi" mumazita avo. Vatengi, saka, vanofanira kuchenjerera kune ngozi / mubayiro wekutengeserana kwemari yakadaro kwete kungoshandisa basa ravo rekare sekuyera kwehutano. "Nguva shoma" mari inogona kutarisirwa kuva pangozi yakaderera / kukohwa kwepasi, kana nguva yakareba yemari inowanzova nehuwandu hwehutano uye yezvibereko zvakakwirira.
Kune vashandi vekutsvaga, iyo inotora nguva iyo ndiyo nguva - apo imwe chete yezvikonzero zvakawanda zvinogona kukanganisa kushanda kweiyo yakagadziriswa-podfolio yemari - chimwe chinhu chingave chichifanira kutarisirwa sezvo ichi chiri chimwe chezvinhu zvinokosha zvikuru muhutano hwehutano hwehumwe hutano hwezvisungo iwe unogona kufunga.