Iko Yakanakisisa uye Yakanyanya Kuipa Bond Funds ye 2018
Mari yeBond Best yekushambadzira muna 2018
Usati wasarudza mari yakanakisisa yebhadharo yekutenga chero nguva ipi zvayo, ramba uchifunga kuti mutengo wematengo nemari yezvikwereti ine ukama hwomukati, izvo zvinoreva kuti kutengeswa kwematengo kunowanzosimuka apo inhamba yezvikwereti ichiwa uye kutengeswa kwekutengeswa kazhinji kunowira apo chido mitengo iri kuwedzera.
Sezvo nzvimbo ino yemazuva iri kuwedzera mitero, vazhinji mari yezvisungo inogona kuona kudzoka kusina kunaka kwegore rinotevera.
Nezvo mupfungwa, hezvino zvimwe zvebhadharo yakanakisisa mari yekutenga muna 2018:
- Zvose Bond Market Index Funds : Mari yekuenzanisira yakadarika mari yakawanda yakachengetedzwa mari mumakore achangobva kupfuura nekuti vatungamiri vakakundikana kunyatsofanotaura zvikwereti zvezvibereko uye zviito zveState Reserve. Nokudaro, passively-managed managed bond inogona kunge iri yakanakisisa kubhenda mune izvo zvingave zvisingazivikanwi 2018. Zvose zvinoshandiswa pakushambadzira bhizinesi rinowanzoreva mazita ekubatanidza mari kana Exchange Traded Funds (ETFs) inowedzera muBarclay's Aggregate Bond Index , inozivikanwawo sangano reBarCap Aggregate, iro rinosungirirwa nehutano hunofukidza hutengi hweUnited States uye dzimwe dzisungo zvekunze kune dzimwe nyika inoshandiswa muUnited States vanogona kutora kushanda kwebato rese yebhizimisi nekutsvaga muhurukuro mutual fund kana ETF iyo inoedza kudzokorora kushanda kwe the index. Mari mienzaniso inosanganisira iShares Barclays Capital Aggregate Bond Index (AGG) uye Vanguard Total Bond Market Index Fund (VBMFX). Zvisinei, uyewo chengetai mupfungwa kuti kunyora mari zvinotarisirwa kushandiswa, izvo zvinoreva kuti maneja haagoni kuita zvigadziriswa pakukwira kwemari. Nokudaro, mamwe mari yemari inogona kurasikirwa nemari yakachengetedzwa. Mumashoko akasiyana, mari yekuenzanisira inguva yakanaka mumamiriro ezvinhu asingazivikanwi, apo vatariri vanoita basa vanowanzoita zvikanganiso zvakawanda.
- Bond Funds yekusimudzira Mitengo yeHurumende : Kana iwe uchida kutengesa mari uye kutengesa kwekuwedzera kwekupedzisira kuchasimuka muna 2015, pane zvimwe zvikwereti zvezvikwama zvinogona kuderedza kufara kwehuwandu hwehuwandu. Kuwedzera kwezvibereko zvekutengesa kunoita kuti mitengo yezvisungo iende asi asi nguva yakakura, iyo inodarika mitengo ichawa. Nokudaro zvakasiyana ndezvechokwadi: zvisungo zvemashure maduku zvichaita zviri nani kudarika avo vane nguva yakareba mukukwira kwechikwata chekuda kwemamiriro ezvinhu nekuda kwezvavanoita. Zvisinei, gara uchiyeuka kuti "kuita zviri nani" zvinogona kureva kutengesa mitengo, kunyange zvazvo kuderera kuri kazhinji kuderera. Bhandi mari inogona kushanda zvakanaka ndeyoVanguard Short-term Bond Index (VBISX). Nokuda kwekuwedzera kwekuwedzera kwezvinhu, iwe ungasarudza kushandisa mari yekuchengetedzwa kwepfuma inodzivirirwa (TIPS) fund . Izvo zvikwereti mari inogona kuita zvakanaka nguva isati yasvika uye munguva yezvokuderedza kwezvinhu, iyo inowanzoenderana nekuwedzera kwezvibereko uye kuwedzera kwehupfumi. Chikwata chekusimudzira mari yeTIPS ndecheVanguard Inflation Yakachengetedzwa Securites Fund (VIPSX). Iwe unogonawo kufunga nezvekufambisa kwezinga yehutano mari , iyo inogona kugadziriswa nekukwira kwezvikwereti uye inogona kuita zviri nani kudarika yakazara yebhizimisi maharasi.
Mari Yakaipisisa Mhuri dzekutsvaga mari muna 2015
- Yenguva refu Bond mari inonyanya kuisa muzvisungo izvo zvine maturite kwenguva refu kupfuura makore gumi. Nokudaro mabhandi aya ehurumende ane chido chikuru chekuda mari . Kana zvikwereti zvinotarisirwa kuwira, nguva refu yezvisungo ndeyemutengi wekutengesa zvakanakisisa kune zvikwereti zvakaenzana zvakaenzana nekuenzaniswa nechepfupi uye pakati penguva-bhizimisi mari. Kusiyana kwechokwadi ndezvekuwedzera kwemari yezvikwereti (nzvimbo dzenguva yakareba yehutano huchawa nokukurumidza kana ichienzanisa nekukura kwenguva shoma uye zvingangodaro inokonzera kusabhadharwa kwakashata kwenguva refu yemari mubhadhadzi wezvikwama).
- Kubhadharwa Kwepamusoro (Zvisina Mwero) Mari yeBond : Kuwedzera kune chido chekufarira, vatengesi uye misika huru inobatawo mari yezvisungo uye zvibereko. Sezvo hupfumi huri kukura uye vashandi vanobva vatanga kutarisira kutsika, havasi ivo vanoda kubhadhara zvakanyanya mumutengo wehutano hwehutano hwakanyanya uye zvisungo zvisingakoshi zvinowanzoisa pangozi kudarika kukwirira kwehukwere hwehukodhi se US Treasury.
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.