Chii chinonzi Short-Term Bond Fund?
Nguva shoma yenguva yezvisungo mari inowanzoisa muzvisungo zvinokura mumakore matatu kusvika matatu.
Iko nguva yakareba kusvika pakukura kunoreva kuti kudiwa kwehuwandu hwehuwandu - kana kuti njodzi yokuti kuwedzera kwezvibereko zvinokonzera kukosha kwekukosha kwemari kwechikwata ichi - kunoderera kana kuchienzanisa nepakati-yechinguva bhadha mari (iyo inowedzera muzvisungo nezvakawanda zve makore matatu kusvika gumi) uye kwenguva yakareba yezvisungo mari (makore gumi zvichikwira). Kunyange zvakadaro, kunyange iyo yakachengetedza nguva shoma yezvisungo mari ichava nediki shoma rekugoverana kwekutengesa mari.
Mari Yenguva Yenguva Pfupi Inobatanidza Sei neMari Market Funds?
Sezvo nguva pfupi yenguva yezvisungo mari inowanzova pangozi yakaderera, varimi vakawanda vanoshandisa mari iyi sepamusoro-kubvumira kushandiswa kwemari yemari yemari. Mari yemari ndiyo inonyanya kusarudzwa nengozi pane yakagadziriswa mari inokonzerwa nemari-mubairo, mumutauro wekuti ivo vane zvibereko zvakaderera uyewo panjodzi yakaderera . Mari dzenguva pfupi dzinosungirwa mari inowanzoonekwa sechikwata chinotevera kumakera maererano nematambudziko ose uye kudzoka kunogona.
Ndezvipi Zvenguva Pfupi Bond Mari inoshandiswa nani pane Mari Market Funds?
Zvinogona kuva, asi zvinokosha kuti iwe uzive chaizvo zvauri kutenga. Kunyange zvazvo mari yenguva pfupi yezvisungo ine mari shoma inobatsira , inogona kuva nedzimwe mhando dzengozi zvichienderana nehuchengetedzo dzavanoshandisa muzvikwata zvavo. Mari zhinji inowedzera mari yepamusoro yezvisungo zvekambani kana chekuchengetedza mari-yakatsigirwa , asi iyi haisi yeanalways iyo nyaya.
Vashandi vanoziva izvi nenzira yakaoma panguva yematambudziko emari muna 2008 apo mari yakawanda yakaisa mari yakawanda muhutano hwakabatanidzwa nehutori hwakasangana nemadonho makuru mumiganhu yavo.
Zvimwe chete, "nguva pfupi" hairevi kureva "njodzi yakaderera." Verenga nyaya yacho kubva kune kambani inoburitsa zvakanyatsonaka kuti uone kuti vatungamiri havana kutakura chikwereti ichocho nemari yakawanda yemitengo yepasi rose kuedza kukurudzira zvibereko sezvo izvi zviri mhando dzechengetedzo dzinogona kuputika kana nzvimbo yekutsvaga inoshandiswa.
Uyewo, chengetedza mupfungwa kuti yakange iri nguva refu kubvira apo Federal Reserve yakasimudza chikwereti chezvibereko. Somugumisiro, zviri nyore kukanganwa kuti hurumende yenguva pfupi inowanzosangana nekuderera kwekutengesa kwekutengesa panguva iyo Fed inokurisa mitero . Izvozvo zvinoderera zvichava zvishoma kana zvichienzaniswa nedzimwe mhando dzemari, asi mari yemusika mari haichazovi nekunetseka zvachose.
Sezvo zvataurwa izvi, mari yenguva pfupi yezvisungo zvinogona kugovera mari yakanaka yekukohwa maererano nemari yemari yemari (chero ipi zvayo kubva kune imwe hafu yezana kubva kune imwe kusvika kusvika 2%, zvichienderana neivo inotengeswa) - mutsauko unogona kuwedzera pane nguva. Somugumisiro, varimi vakawanda vanogona kutora mungozi yakawedzerwa yezvisungo zvenguva pfupi vanogona kupa chikamu chemahofisi avo kune chesi yeasset panzvimbo yemari yemari yemari.
Zvisinei, kana iwe uchida kushandisa mari yacho pakarepo (mukati megore) kana kana iwe uine ukama hwakanyanya kuderera kune pangozi , mari yemusika mari ndiyo yakanakisisa sarudzo.
Ultrashort Bond Funds Inosarudzawo
Vatengesi vane nhamba inokura yezvasarudzo mukati mezvose zve ultrashort bond funds. Mari yacho inowanzoisa muzvisungo pamwe nekukura kwemwedzi mitanhatu negore rimwe. Izvi zvinomirira kuwedzera kwenguva yakareba kukunda mari yemari yemari, iyo inowanzotarisa kune chikwereti nekunaka kwevhiki kana kuti zviduku, uye mari shoma yenguva yezvisungo, apo kuwedzerwa kunowanzomhanya pakati pemakore matatu nemakore. Dzidza zvakawanda nezve ultrashort bond funds pano.
Nzira Yokugadzirisa Nayo Muzvikamu Zvenguva Pfupi
Vashandi vanoda kugovera mamwe mahofisi avo kune zvidzitiro zvenguva pfupi vane zvingasarudzwa zvingasarudzwa. Pamusoro pemari imwechete yakadai seVanguard Short-Term Bond Index Fund (VBIRX), T.
Rowe Price Short-Term Bond Fund (PRWBX), uye Ishe Abbett Pfupi Nguva Yakapiwa Income Fund (LALDX), kune chikwata chiri kuwedzera chekutengeserana-mari inoshandiswa (ETFs) inotarisa munharaunda. Mari dzakawanda dzenguva pfupi dzinosungirirana mari dzinopa mari yekuongororwa, sezvo mari yemusika mari inoita, nepo ETFs hadzisi. Zvisinei, hazvikurudzirwi kuti vashandi vanoshandisa mari yenguva pfupi yebhandi yekuongorora kutora nokuti inogadzira musoro wemusoro wemusoro.
Pakati peEFF dzakawanda dzinoshandiswa mune zviduku zvenguva pfupi ndeizvi:
- iShares Barclays Sangano reMari yePasimari yeGore reChishanu (ticker: SHY)
- iShares Barclays 1-3 Annual Credit Bond Fund (CSJ)
- Vanguard Short-Term Bond ETF (BSV)
- Vanguard Short-Term Corporate Bond ETF (VCSH)
- iShares Barclays Short Treasury Bond Fund (SHV)
- SPDR Nuveen Barclays Capital Short Term Term Bond ETF (SHM)
- SPDR Barclays Capital Short Term Corporate Bond (SCPB)
- PIMCO 1-5 MASHOKO ECHITSA US US Index Fund (STPZ)
- iShares S & P Pfupi Pfupi National Muni Bond (SUB)
- Barclays 0-5 Gore MASHOKO Bond Fund (STIP)
Zvinonzwisisika : Mashoko ari pawebsite ino anopa zvinangwa zvekukurukurirana chete, uye haafaniri kutorwa semazano ekutsvaga mari. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.