Chii Chinonzi Bond Mutual Funds uye Inoshanda Sei?
Maitiro eBond Funds Anoshanda Sei: The Basics on Bonds
Bond mari inowedzera mari muzvisungo. Saka usati wadzidza kuti mari inobatanidza mari inoshanda sei, iwe uchabatsirwa nekudzidza zvinyorwa zvekuti zvisungo zvinoshanda sei.
Chisungo chaicho chiri chivimbiso chokubhadhara - icho chikwereti. Anokwereta isangano, sehurumende, hurumende yeU.S., kana kambani yehurumende yehurumende, iyo inobata zvibvumirano zvekusimudza mari (mari) kuitira chinangwa chekubhadhara mishonga kana kubhadhara kushandiswa mukati uye nekuenderera mberi kwesangano. Vanotenga zvisungo ndivo vatengesi vanokweretesa mari kune imwe sangano, nokutenga zvisungo , mukuchinjana nemari ye periodic nevechido.
Nzira yakanaka yekuziva nheyo dzezvisungo uye kuti dzakasiyana sei nematokari ndeyokuti kana iwe uchitenga zvisungo iwe uri chikwereti uye apo iwe unotenga mashizha iwe uri muridzi (Bonds = Mutero, Nhamba = Muiti).
Muenzaniso wekuti Mabhizimisi Api Anoshanda
Semuenzaniso, munhu wega yega anobhadhara chikwereti, chinonzi chikwata , kune mubatanisi (mutengesi) pane imwe nguva yakatarwa yezvenguva yakatarwa (nguva). Kana akachengetwa kuhutano, uye mubhadhadzi wehutano haazvisi, muchengeti wechibvumirano achawana mari yose yekutora uye 100% yemukuru wavo shure shure kwekupedzisira kweshoko.
Mumashoko akasiyana, vazhinji vanobatana nevarimi havasi kurasikirwa nehutungamiri - hapana misika chaiyo yemusika kana ngozi yekurasikirwa kukosha uye kubhadhara chikwereti kunogadziriswa, ndicho chikonzero mabatanidzwa anonzi kusagadziriswa mari inoshandiswa .
Muenzaniso wezvisungo unoshanda chimwe chinhu chakadai: Chibvumirano chekubudisa, ngatitaurire sangano rakadai sa Ford Motor Company, iri kupa zvikwereti zvinobhadhara chikwereti che700% kwemakore makumi matatu.
Bhizimisi wezvisungo inosarudza kuti inoda kutenga $ 10,000 mari. Anotumira $ 10 000 kuti awane Ford uye anowana chikwangwani chechibvumirano. Bhizimisi wehurumende inowana 7% pagore ($ 700), kazhinji inopatsanurwa kuva miviri yemwedzi 6. Mushure mokuwana mari 7% pagore kwemakore makumi matatu, mutyairi anowana $ 10 000 kumashure.
Bond Risks, Bond Prices uye Maitiro Azvo Anofananidzwa Nezvikwereti Zvitengo
Zvakakoshawo kuti unzwisise zvikanganiso zvehutano uye ukama huri pakati pehutengo nemitengo yezvibereko . Kuwanda kwekubhadhara kunobhadharwa nekambani inobhadhara kune vashandi vezvisungo inonyanya kutarisa nguva (nguva yekusvika pakukura), chikwereti chechikwereti chechibvumirano chekubudisa, uye iyo inowanikwa muzvikwereti zvezvikwereti zvakafanana nenguva iyoyo. Mari yekubhadhara (chibereko) chechibvumirano inowanzochengetwa pangozi yekusafa. Nokudaro nguva yakareba, yakadai sechisungo chemakore makumi matatu nemakumi matatu, inoda chikwata chapamusoro chekuda kuita kuti kubhadhara zvikwereti zviwedzere kuwedzerwa kune zvisungo vatengi vanoda kubhadharwa nekuda kwengozi yekusara pane nguva yakareba yakadaro.
Saizvozvowo, kana sangano rave ratobudisa zvikwereti zvakawanda, dambudziko rekufa rinowedzera. Izvi hazvisi zvakasiyana nemunhu ane zvikwereti zvakakosha zvechikwereti akamanikidzwa kubhadhara mari yepamusoro yezvikwereti mune ramangwana rezvikwereti - ivo vari pangozi yekutengesa .
Chikwereti chechikwata chechikwata chinobudisa chibvumirano chinoratidza kukwanisa kwavo kubhadhara vashandi vezvisungo. Izvi zvakafanana nechikwereti chikwereti chevanhu. Kukwidzikidzwa kwekodzero kunowiridzira mutemo wekuderera kwechikwereti uye kuderedzwa kwekwereti kwepamusoro kunoita kuti zvikwereti zvikwereti.
Maitiro eBond Funds Anoshanda uye Maitiro Azvo Kusiyana Nezvikwereti
Bond mutual funds ndezvekubhadhara mari inowanikwa muzvisungo. Kungofanana nedzimwe mari, mutengo wehutano wehutano hwakafanana nebhakiti inobata mazana kana mazana ezvivimbiso (munyaya iyi, zvisungo). Bhengi mari yejaji kana boka revatungamiri vachatsvakurudza marongerwo emari ekuwana mari yezvisungo zvakanakisisa zvinoenderana nechinangwa chedu cheshumo mutual fund. Mutungamiri (s) achazotenga uye kutengesa zvisungo zvichienderana nehupfumi nemabasa emisika. Vatariri vanofanirwawo kutengesa mari kuti vasangane nekununurwa (kurega) kwevatengesi.
Nokuda kwechikonzero ichi, vatungamiri vemabhandi emari havawanzobati zvisungo kusvika pakukura.
Sezvandakambotaura kare, bhandi yega yega haizorasikirwi nehuwandu chero bedzi mubhadhadzi wezvisungo haaiti (nekuda kwekubhadhara, semuenzaniso) uye mubhadhadzi wezvisungo anobata chisungo kusvikira akura. Zvisinei chikamu chekutengeserana mari chinogona kuwana kana kurashikirwa, chinoratidzirwa seNet Asset Value - NAV , nokuti mutariri wezvikwama (s) anowanzogadzirisa zvisungo zviri pasi muchikwata chisati chakura. Nokudaro, mari yezvisungo inogona kurasikirwa kukosha . Uyu ndiwo musiyano mukuru pakati pezvisungo zvemunhu mumwe nomumwe uye nehutano hwemari pamwe chete.
Heino chikonzero: Fungidzira kana iwe uchifunga nezvokutenga bhizimusi hweumwe munhu (kwete mubatanidzwa wehurumende). Kana zvibvumirano zvemazuva ano zviri kubhadhara zvikwereti zvinodarika zvikwereti kupfuura zvisungo zvezuro, iwe pachako unoda kutenga zvigaro zvepamusoro-zvekubhadhara kuitira kuti iwe ugone kuwana zvikwereti zvakakwirira ( kukohwa kwakakwirira ). Zvisinei, iwe unogona kufunga kubhadhara mari yepamusoro yekubhadhara inofanirwa yezuro zvoga kana mupi akada kukupai iko kunotswa (mutengo wakaderera) kutenga bhandi. Sezvaunogona kufungidzira, kana huwandu huwandu hwezvikwereti huchikwira matengo ezvisungo zvekare zvinowira nekuti vatengesi vachatsvaka zvikwereti kune zvekare (uye pasi) chikwereti chezvibereko. Nokuda kweizvi chibvumirano chekutengeserana kunoendesa kune zvakatarisana nechinangwa chekuda mari uye bhadha mari yekutengeserana inofanirwa nehuwandu hwezvibereko Bond fund mamenenja vanogara vachitenga uye vachitengesa zvibvumirano zviri pasi zvakachengetwa muhomwe kuitira kuti kuchinja kwehutengo mutengo kuchachinja NAV yemari.
Mukupfupisa, bhadha mutual fund inogona kurasikirwa nehuwandu kana mutengesi wezvisungo akatengesa mari yakawanda yezvisungo mukukwira kwechikwata chekuda kwemamiriro ezvinhu nekuti vatengesi vari mumusika wakashama vachatsvaka kubhadharwa (kuripa mutengo wakaderera) pazvisungo zvekare zvakabhadhara kufarira rates.
Ndeupi Bond Fund Rudzi Rwakanaka Kwauri?
Mari yega yega yebhadha ine chimwe chinangwa chinotarisa rudzi rwezvisungo zvakachengetwa muhomwe uye, saka, iyo yebhadhi yebhadhiro yemhando kana chikamu . Muzhinji, vatengesi vanochengetedza vanosarudza mari yebhadha iyo inotengesa zvisungo nezviduku zvishoma uye yepamusoro yemari yechikwereti nokuti vane pangozi yakaderera yekuderera uye kuderera kwehuwandu hwehuwandu hwehutengo . Zvisinei, kufarira kwakagamuchirwa kana kukohwa kwakaderera nemari iyi mari. Kusiyana neizvi, mari yezvisungo inotengeswa muzvisungo zvine nguva yakareba uye yakaderera yekodhi yepamusoro ichava nemikana yakawanda yekudzoka kwekodzero yakawanda mukutsinhanisa nengozi yepamusoro.
Kana iwe usingazivi kuti ndeipi chikwereti chebhadhiro yakakosha iwe, bhadha index index inogona kuva sarudzo dzakanaka. Pamusoro pezvose zvinofungidzirwa mukugadzira chikwereti chemari pamwe chete ndeyekuti une misikanano yakasiyana-siyana yemarudzi akasiyana ehurumende yemari inokodzera zvinangwa zvako zvekutsvaga uye kushivirira kwengozi.