Chii chinonzi Bond Index Fund?
A bond index fund inoshandisa mari inoshandisa muhofisi yezvisungo zvakagadzirirwa kufanana nekushanda kweimwe rondedzero, yakadai seBarlaylay Aggregate US Bond Index.
Panzvimbo pokunyatsogadzirirwa - kureva, neine mutungamiri wemapatotiyo anoedza kusarudza zvikwereti izvo zvichange zvichinyanya kurongedza index pane nguva - chikwereti chinyorwa chinongobata zvivimbiso zviri muhurukuro, kana, muzviitiko zvizhinji, muenzaniso wekumiririra wezverwe holdings. Apo kuumbwa kwekanyorwa kunoshanduka, ndizvo zvichaitawo kubata muhomwe. Saka sei kuisa mari mubhadha index index? Pane zvikonzero zviviri zvinokosha nei chikwangwani chekutsvaga chingave chakanaka:
Lower Fees
Ivhareji inoshandiswa mubhadharo yebhadharo yebhadharo ine mari yekuwedzera mari inopfuura 1,1%, asi muvhareji wepasi pose uye nepamusoro- kutengesa mari yebhadharo yega yega inotarisa nemari yebhadharo inenge inenge 1,35%. Izvo "mari yezvikwereti" ndiyo yehuwandu yezvinhu izvo kambani yemari inotora kubva kumusoro kwegore rimwe nerimwe kubhadhara mari yayo uye kuwana mari.
Iyi mitero inotora chikamu chikuru chevatengesi 'mari pamusoro penguva, kunyanya zvichienderana nekuti makambani anotengesa mari yacho pasinei nemari yekuti mari yavo inoshanda sei.
Izvi zvinotonyanya kukoshesa muzvinyorwa zvemazuva ano zvishoma . Kana chikwereti chemari chekubhadhara chikakonzera 4%, 1% yekubhadhara mari inopedza chikamu chechina chevatengi vemari.
Index yemari inobatsira kubatsira kuderedza kushandiswa kwemari. Sezvo mari iyi inoda zvishoma zvigadziro zvekugadzirisa, vanogona kudarika mari yekuenda kune varairi.
Kusiyana nemari yakachengetedzwa yakachengetedzwa, vazhinji vanobatanidza mari inoshandiswa mari inowedzera mari yegore negore inenge 0,2% kusvika ku4%. Uyezve, kufanana kwemari mune imwe nzvimbo inobvumira varairidzi kutengesa zvakapoteredza chikwereti nemari yakaderera (zvichiita kuti vawedzere nguva yavo yakadzoka kwenguva refu).
Zvimwe Zvisingabatanidzi Maitiro
Nehurukuro, iwe unoziva zvauchave uchiwana-kudzoka kunomiririra misika yakawanda. Nevatariri vanoita basa, zvigumisiro zvinoshanda zvinogona kuitika zvakakura. Rimwe gore mutungamiri anogona kukwanisa kuparadzanisa nhamba yezvikamu zviviri kubva muzana, asi gore raitevera angave akacheka nemashanu. Uye nekufamba kwemaawa, vatungamiri vanoita basa, seboka, vanowanzochera mari yekutsvaga nemari yakawanda.
Chimwe chikonzero cheizvi ndechokuti mari yakakwirira haisi kungotora kuruma kunze kwekudzoka, inomanikidza vatungamiri vanoshingaira kuti vatore njodzi yakawanda kuti vaenzane nekushanda kwenzoro pashure pemari. Uyewo, uye kwete zvishoma, kunyange vatungamiri vakanakisisa vanogona kunyanya kushandiswa mumisika nguva nenguva. Vashandi vanofanira kubvunza kana mari yakakwirira yakakosha nokuda kwekuita kusina kufanana kunowanzoenderana nemari yakachengetedzwa zvakasimba.
Dambudziko Rakavanzwa reBond Index Funds
Kunyange zvazvo mari yehurukuro yakawanda kwazvo kwavari, nyaya yacho haisi yose yakagadzirwa nesimbi.
Nokuda kwemari inoratidzira maitiro akadai akadai seBarclays US Aggregate Index, chikamu chikuru cheporofigoreti inowanzoiswa muhurumende kana hurumende dzine chokuita nehurumende.
Izvo zvinofanirwa nehuwandu hwekuda kwehuwandu hwehuwandu hwemari , iyo yakanaka kana zvibereko zviri kuwira ( sekukwira kwematengo ). Zvisinei, kuwedzera kwemitengo kuchava nemigumisiro yakaipa zvikuru pane imwe nzvimbo yemahofisi inonyanya kushandiswa kune hurumende dzehurumende . Vashandi vanogona, saka, vanoda kutsvaga nzira dzekuwedzera mari yavo yeruzhinji nemari inoshandiswa ine muchero wekuda kwehuwandu hwehutano, hwakadai sepamusoro-kubereka uye kubuda kwemashamba mabhizimisi.
Nzira Yokugadzirisa Sei muBond Index Funds
Vatengesi vanogona kutenga zvigadzirwa zvakasanganiswa nezvesarudzo vachishandisa zvikwereti zvezvemhirizhonga zvehurumende kana kuti kuwedzera kwenhamba dzekutengeserana- dzezvekutengesa (ETFs) dzinogona kutengwa kuburikidza nemutengesi.
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.