Yakagadziridzwa Svondo 2014
Imwe yezvinyorwa zvekutsvaga mari ndeyokuti kune ngozi yakawanda inouya kuzodzoka kukuru, asi izvi zvinonyanya kushandiswa pamatokari kupfuura zvakasungwa nezvisungo, kunyanya kana zvichisvika kune inharaunda yehuwandu hwehuwandu (kureva, kukanganisa kwechibvumirano kana mari yezvisungo mu kugadzirisa kuchinja mumitemo inowanikwa).
Kunyange zvazvo kutora mukana wekuwedzera kwekuda kwekutengesa zvechokwadi kwakabatanidzwa kumadhora makuru kune vashandi vehurumende munguva kubva muna 1982 kusvika muna 2013 , izvo hazvirevi kuti zvichishandurwa kune izvo varairi vangazotarisira mune ramangwana .
Kuzvipira Kusiyana Nehuwandu Kudzoka, uye Basa reNengozi Maviri
Chinonyanya kukosha chekunzwisisa bhizimisi yemukati ndekuziva kuti kune ukama hwakasiyana pakati pengozi uye chibereko kunze kwepakati pengozi uye kudzoka kwenyika .
Chikonzero chekutengesa uye chibereko chinowirirana ndeyekuti vashandi vanoda mari yekubhadhara nekuda kwekutora dambudziko rakawedzerwa. Kana kumwe kuchengeteka kune mukana wepamusoro wekutengesa kwehuwandu kana wepamusoro (kureva, hukuru hwekunzwisisa hutano hwehutano hwebhandi kana kuchinja mumamiriro ezvehupfumi ), vatengesi vachatsvaga kukohwa kwakakwirira. Somugumisiro, zvivimbiso zvakabudiswa nehurumende dzakagadzikana kana makambani makuru zvinowanzova nezviri pasi-muhuwandu hwezvibereko, asi zvisungo zvakabudiswa nenyika duku kana masangano zvinowanzova nepamusoro-yehuwandu hwezvibereko.
Nekuti izvi, vatengesi havakwanise kutarisira mungozi uye kudzoka kwakakwana (kureva, chibereko +/- kutonga kwekuda) kuenda mumaoko-mu-ruoko pane nguva dzose-kunyange zvazvo izvi zvave zvakadaro mumakore akawanda, makore maviri emakakiti emombe musungwa.
Chimbofunga nezvevhareji yemakore mashanu ekudzoka kwemari mitatu yeVanguard kusvika musi waApril 30, 2013, nguva pfupi mushamba wekutengesa usati watanga kuoma simba:
- Vanguard Short-Term Bond ETF (BSV): 3.02%
- Vanguard Intermediate-Term Bond ETF (BIV): 6.59%
- Vanguard Long-Term Bond ETF (BLV): 9.39%
Aya nhamba anoratidza kuti hongu, nguva yakakura kukura kwako kwekutsvaga, mishonga yakasimba yaunogona kunge yaive nayo munguva ino chaiyo. Asi zvakakosha kuti tirambe tichifunga kuti iyi yakanga iri nguva yekubatanidza kusungwa kunobudirira . ( Mitengo uye zvibereko zvinotarisana nenzira dzakasiyana .) Kana zvibereko zvichikwira , ukama huri pakati pekukura kwenguva uye kudzoka kwakakwana kuchashandurwa pamusoro.
Izvi zvinoratidzwa nezvakaitika mumwedzi mitanhatu inotevera. Kubva pana Kubvumbi 30 kusvikira paSeptember 30, 2013 , kushandiswa kwenguva refu kwezvisungo zvakasimudzwa nemakore gumi emakore eUnited States Treasory note rocketing kubva pa 1.67% kusvika ku262% ichiratidza kuderera kwechirwere mumatengo). Heinoi kudzoka kweiyo mitatu ye ETF panguva iyoyo:
- Vanguard Short-Term Bond ETF: -0.41%
- Vanguard Intermediate-Term Bond ETF: -4.70%
- Vanguard Intermediate-Term Bond ETF: -10.76%
Izvi zvinotitaurira kuti kana hutano huri kubereka uye hukuru hunowanzova nehukama hwakasimba (kana huri hukura , huchiwedzera huripo), ukama huri pakati pekukura uye kudzoka kwakakwana hunobva pane zvinotungamirirwa nemitengo. Kunyanya, zvisungo zviduku-zvishoma zvinopa huwandu hudzo hwakakwana kudarika nguva yakareba-yezvisungo kana zvibereko zviri kuwedzera , apo nguva yakareba-yezvisungo ichapa zviri nani kudzoka kwepamusoro kudarika nguva shomanana-nguva iyo zvibereko zviri kuwira .
The Numeri
Nezvose izvi zvakataurwa, heino nhamba dzenhoroondo dzemhando dzakasiyana-siyana dzekukura, sezvakaratidzwa mu Morningstar mutual fund category nhamba yekudzoka saSeptember 30, 2014:
| Chikamu | 1-Gore | 3-Gore | 5-Gore |
| Ultra Short-Term | 0.77% | 1.17% | 1.35% |
| Yenguva Pfupi | 1.47% | 1.85% | 2.50% |
| Pakatikati-Nguva | 4.34% | 3.41% | 4.80% |
| Nguva refu | 7.09% | 3.30% | 5.92% |
Paunenge uchitarisa nhamba idzi, gara uchifunga mupfungwa dzako kuti nhamba dzekare dzekuita mari uye zvikamu zvinogona kuchinja nokukurumidza, uye zvinogona, naizvozvo, kunyengera .
Izvi Zvinorevei Kwauri
Chidzidzo chinonyanya kukosha pano ndechekuti zvakakosha kuchengeta mupfungwa kuti kana nzombe inotengesa muzvisungo zvinoguma uye mitengo inotanga kuenderera mberi kwenguva yakareba, vashandi havazokwanisi kuwana rudzi rwakadaro rwekunze kubva pakugara kwenguva refu bhandi dzavakaita munguva kubva muna 2008 kusvika 2012.
Ichokwadi, zvakasiyana zvachose zvichave zvechokwadi.
Chinhu chakakosha: usafungidzira kuti kushandiswa mune imwe nguva yakareba yezvisungo mari ndeyetikiti yekutora nguva yakareba kunze kwekuti yakagadzirwa zvakanyanya.
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.