Bond Fund Mhando dzekurova Mitengo yeInharaunda uye Kuwedzera
Kwemakumi emakore, kutengeswa kwematanda kwaiwanzokwuka, izvo zvaive zvakanaka kune zvekudzoka pamabatanidzwa emari pamwe chete. Asi mumakore achangobva kupfuura, shanduro yemitengo yakatanga kukwira kubva pamatambudziko avo ezvakaitika kare, misika yemombe yezvisungo yakaguma.
Asi izvi hazvirevi kuti mari yezvisungo haisi chikamu chinokosha chepasportfolio yakasiyana uye hazvireve kuti zvinorehwa kwenguva yakareba yekutengeswa kwematengo kana mari yezvisungo.
Vashandi vanodikanwa chete vanoda kuwana mari yakanakisisa yezvikwereti mune kuwedzera kwechidhindo chekugara uye nekuziva kuti mari yezvisungo inoita nani kudarika kuwedzera. Kuziva zvinhu zvinokosha izvo mari inoshandisa zvakanakisisa uye iyo mari inonyanya kuipa kare uye panguva yepamusoro yehuwandu yemari uye kutengesa kwenyika inyanzvi inokosha yehutano mutual investor .
Mabhidharo Akapi Anowananidzwa neInharaunda Inofarira uye Inotengeswa
Zvikonzero zvinoita kuti zvibatane zvive nehanya nemari yezvibereko uye kuwedzera kwezvinhu zvinowanzoitwa zvakaoma zvikuru uye naizvozvo zvakaoma kunzwisisa. Kuti ureruke pfungwa huru iwe unoda kuziva kuti uzvivakire purogiramu yakanakisisa yekutengeserana mari , heino mazano makuru:
- I Federal Reserve Board inokwidza mari inofanirwa iyo iyo inotya kuwedzera kwekutengeswa ichaguma kubva kuhupfumi huri kukura. Kusiyana neizvi, vachaderedza chido chekuda kurwisana nekusagadzikana uye / kana kuderedza hupfumi . Ichi chinyorwa chiri pamusoro pekunakisisa mari yebhadharo yekusimudzira chikwata chezvibereko ...
- Iyi mizinga yakakwirira, iyo inonzi Federal Funds Rate , inoshandiswa kumabhangi neFederal Reserve kuwedzera mari yekubhadhara (mari yemari) yebhangi, iyo inonyatsomanikidzira kupfuudza izvozvi mari kune vatengi vavo, sevatengi vega, makambani uye mamwe mabhengi. Mumashoko akasiyana, kufarira kunowanikwa kune mhando dzezvikwereti zvinowedzera mushure mekunge Fed ichiwedzera mitengo yayo.
- Zvikwereti ndezvokuti zvikwereti. Kana huwandu hwezvikwereti zvezvikwereti kune zvikwereti, kusanganisira zvisungo, zviri kuwedzera, vashandi vehurumende vanowanzoda kuti zvikwereti zviwedzere kubatana kuitira kuti vawane mari yakawanda pahutano hwavo hwezvisungo.
- Apo vashandi vehurumende vanonyanya kufadzwa nezvisungo zvitsva zvinobhadhara chido chepamusoro, zvikwereti zvekare zvakabhadhara chikwereti chiduku zvisinganyanyi kukosha kune vashandi. Sei uchitenga chibvumirano chinopa 6.00% apo iwe unogona kuwana hutano hwakafanana hunopa 6.50%? Nokudaro, apo vashandi vehurumende vanoda kutengesa zvikwereti zvavo zvekare zvakabhadhara chibereko chechidiki, vanomanikidzwa kutengesa bhadha yemutengo wakaderera kudarika ivo vakautenga nokuti mutengi anozvitenga achatsvaga kubhadhara kubvuma chikamu chechibereko chepasi.
Mukupfupisa, hutengo hwekutengeserana hunoenda kune zvakatarisana nehuwandu hwekuda kwehuwandu hwekuda nekuda kwehuwandu hutsva hutsva huri pane zvisungo zvekare. Kana huwandu hwezvibereko huchikwira, hutano hutsva huri nani uye hunokwezva kune vashandi apo hutano hwekare nehuwandu hushoma hahukoshi, nokudaro kumanikidzira mitengo yakaderera.
Kana zvose izvi zvichiri zvakaoma kunzwisisa, usanetseka! Iwe unowanzoitika! Zvose zvaunoda kunyatsoyeuka ndezvokuti kuwedzera kwezvikwereti zvinokwana zvakafanana nehutengo hwehutano hwehutano .
Muenzaniso wekuti Kubata Kwatingaita Mitengo Kunobatsira Sei Bonds?
Chimwe chinhu chinonyanya kukosha kuti uchinzwisise nezvehukama huri pakati pehutano nemitengo yezvikwereti ndeyekuti husungo hwakareba kwenguva refu hunova nehanya nehuwandu hwehuwandu kune hutano nehupfupi.
Semuenzaniso, kana zvikwereti zvinowedzera, ndiani anoda kuva nezvisungo zvinopa chikwereti chakaderera kwenguva yakareba? Iyo yakareba kukura, iyo inowedzera chikamu chekuda kutarisana .
Muenzaniso wakajeka pano uri neZitifiketi zveDhipatimendi (CDs) . Apo maCD matsva anobuda ane zvibereko zvakakwirira, mutengesi weDCD anoda kutora nzvimbo yekare neyo itsva. Mukuwedzera, mutengesi weCD waA savvy achatenga maCD nemafuta mashoma (kureva gore rimwe chete kana kuti pasi) kana vakatarisira mutengo wokuramba uchikwira mugore rinotevera. Bond inodyara mukusimudzirwa kwekuda kwemazingira inotevera chirevo chakafanana.
Mari Yakanakisisa yeBond yeKubatsira Kuwedzera Mitengo uye Kuwedzera
Iye zvino zvaunoziva zvinonyoreswa pazvisungo nemari yezvibereko, heino mamwe mabhizimusi ehurumende anokwanisa kuita zviri nani kune vamwe mune imwe nzvimbo yekusimudzirwa kwezvibereko uye kuwedzera kwezvibereko:
- Bhizimisi Bhizimisi Zvishoma: Kukwidzwa kwezvikwereti zvinokonzerwa nemitengo inoita kuti mitengo yezvisungo iende asi asi nguva yakakura, iyo mitengo inowedzera 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. Mari shoma shoma iyo inoshanda zvakanaka inosanganisira PIMCO Low Dur D (PLDDX) uye Vanguard Short-term Bond Index (VBISX).
- Pakati pepakati-bhizimisi Bonds: Kunyange zvazvo maturities ari mazhinji nemari iyi, hapana mutengesi anonyatsoziva kuti chido chekuda uye kutengesa kwenyika kuchaita sei. Saka mari yepakati-yekushambadzira mari inogona kupa inyanzvi yepakati-ye-nzira yevatengesi vanosarudza nokuchenjera kusataurira kuti mushambadzi webato uchaitei munguva pfupi. Semuenzaniso, kunyange iyo yakanakisisa mari yemakambani inofungidzira kutengesa kwenyika (uye yepamusoro yekutengeswa kwemari) yaizodzoka muna 2011, iyo inogona kuunza kune yepamusoro yemari yekutora uye kuita bhizimisi kwenguva refu inonakidza. Vakanga vasina kururama uye mari yevanamateja vakarasikirwa nekunyoresa mari , yakadai seVanguard Intermdiate-term Bond Index (VBIIX), iyo yakarova 99% yezvimwe zvose zvepakati-bhizimisi mari yemari muna 2011. Mari yeBond yakawanda haina kuiswa mumutengo wekuzara gore rekarenda kusvika muna 2013. Unogona zvakare kuedza nzira yakasiyana-siyana nehuwandu hwebhengi yekutengeserana Exchange Exchange Fund (ETF), yakadai saShares Barclay's Aggregate Bond (AGG).
- Iko Kunotengeswa Kwemabhadharo: Inozivikanwa seMarivha yeZvivigiro-Kudzivirirwa Kuchengetedzwa (MAZANO), idzi mari yezvisungo inogona kuita zvakanaka kare uye munguva yezvakakonzera zvoupfumi, iyo inowanzoenderana nekuwedzera kwezvibereko uye hupfumi huri kuwedzera. Chikwata chekusimudzira mari yeTIPS ndecheVanguard Inflation Yakachengetedzwa Securites Fund (VIPSX).
Mukupfupisa, mari yakanakisisa yebhadharo yekusimudzira chikwata chezvibereko haisi kuvimbiswa kwekudzoka kwakanaka mumhando iyo yezvemari asi zvikwereti zvemari yebhadhiro zvine mukana wekuda kwehuwandu hunopfurikidza kune mamwe akawanda emhando yezvisungo zvemari.
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.