Tora Tarisa Kune Zvimwe Zvemari Yakanakisisa Mari Yakapiwa naVanguard
Kunyange zvazvo Vanguard Investments inonyanya kuzivikanwa nehurongwa hwemari, zvakadai sehomwe huru yemari pasi rose , Vanguard Total Stock Market Index (VTSMX) , uye imwe yepamusoro yeS & P 500 Index Fund , Vanguard 500 Index (VFINX) , Vanguard inopa dzimwe iyo yakanakisisa mari yekutenga mari.
Kubatsirwa kweVanguard's Bond Funds
Kudhura kunodhura chinhu chinonyanya kukosha kune mari yakanakisisa yekubhadhara asi kuva nehuwandu hwemari yakakosha kunonyanya kukosha pakuwana kushanda kwepasi munyika yezvisungo zvemari.
Apo imwe chete yepakati inopesana muidzo inogona kusiyanisa mari yakanakisisa mari kubva kune yakaipisisa, iyo inodhura mari yeVanguard mari inogona kuva chinhu chinokosha kune mari yezvisungo pane kuwana zvakanakisisa bond fund managers. Nokuda kwechikonzero ichi, vanguard yebhadharo yemari inoshandiswa ndiyo inonyanya kushandiswa kubhadhara mari yavo yakaenzana kune vamwe.
Kune Vanguard's index funds, iyo inotarisirwa kutarisira inopa mukana wakafanana kune vashandi. Kune rimwe, mari inotarisirwa-kutarisirwa zvishoma nezvishoma ine mari shoma pane mari inogadzirirwa zvakasimba nekuti kune tsvakurudzo yakawanda uye kuongorora kunoda. Imwe nyanzvi yekuchengetedza mari inongorongedza zviri pasi pechiratidzo chechechmark, asi mutariri anoshingaira kazhinji ari kuedza kurova chidimbu. Nokuda kwemari yezvisungo, ichi chinowanzoita Bharclays Aggregate Bond Index , iyo yakazara bond index inosanganisira mabhizinesi akawanda eUnited States uye dzimwe dzisungo zvekunze kutengeswa muUnited States
Kushandisa nhepfenyuro yemari kunogonawo kuva rakakosha nokuti kutora kwekutora kunobvisa ngozi yekugadzirisa mari yehupfumi kuita zvikanganiso zvevanhu, zvakadai sokusafuratira mamiriro ehupfumi sehutungamiri hwekuda kwehuwandu.
Mari Yakanakisisa yeMari Kubva kuVanguard
Nezvibvumirano zvekubhadhara mari mune zvepfungwa, apa pane zvitatu zvebasa rakanakisisa mari inopiwa naVanguard Investments:
- Vanguard Total Bond Market Index (VBMFX) : Nhamba yemari inosvika 0,20%, vatengesi vanowana mari yakawanda mumitengo ichienzaniswa nevakawanda mari yezvisungo uye mari shoma inoshandurwa mukudzoka kwakanaka, kunyanya munguva refu. VBMFX inofanirwa neBarlaylay Aggregate Bond Index. Kwemakore gumi kana kupfuura, varairimi vanogona kutarisira kusangana kana kurova kudzoka kwevheji yekusungirwa mari.
- Vanguard Intermediate-Term Investment Grade (VFICX) : Kunyange zvazvo VFICX isiri muongorori wemari, inodhura chikamu ichiri pasi pe 0,20%. Uye kunyange zvazvo kushandiswa kwekushandura mafambiro hakuiti nguva dzose kuchiisa mberi kwechiratidzo chekuenzanisa, iyo inosvika kwenguva refu inodzoka zviri nani pane kuratidza mari seVBMFX.
- Vanguard Short-Term Investment Grade (VFSTX) : Kusungwa kwenguva pfupi kunowanzova nezvibereko zvakaderera uye zvinodzoka zvakaderera, zvichienzaniswa nehupakati-uye kwenguva refu zvisungo asi zvisungo zvenguva pfupi hazviiti sezvikwereti zvinotarisirwa, zvinoita kuti vave sarudzo dzakanaka apo zvikwereti zvinowedzera. Nhasi, kana iwe usati wati wamboziva, iwe unogona kunge uchishamisika kuti "bhizinesi rekutsvaga" rinorevei. Zvikwereti zvinotaridzirwa nezvikwereti-zvakakosha. Zvichienderana nesangano rekuongororwa, kukohwa kunobva kuAAA (yakakwirira yepamusoro) kusvika kuD (inowanikwa). Chikwereti chekutsvaga mari ndiyo nzvimbo yepakati, iyo inowanzobva paAAA kusvika BBB-. Muenzaniso weAAA yakarongwa kusungirirwa isungano yeUnited Treasury. Mukushandura, kushandiswa kwema grade grade bond inowedzera mumwero wehupakati hwehutano hwezvisungo. Kubudirira kune vashandi ndeyekuti zvibereko uye nguva refu inodzoka inogona kunge yakakwirira, kunyanya munguva refu, zvichienzaniswa nedzimwe nguva shoma yekusunga mari seVFSTX.
Zvose zvitatu zvepamusoro zveVanguard mari zvinoshandiswa kutanga mari ye $ 3,000.
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.