Ndeipi Iyo Mukuru Anobhadhara Zvikwereti Anowanzoita Zvakanaka?
Kukura kwehupfumi kwehupfumi : Kunyange zvazvo kushambadzira-bhizinesi zvisungo hazviwanzopindure zvakanaka kukura kwakasimba (sezvo zvichigona kusimudza chido chekuita mari, zvichiita kuti mitengo iwedzere uye kutengeswa kwezvibatanisi kuwira), hupfumi hwakasimba huri pamwe chete nezvibereko zvakakura. Sezvo iyo yeklasi yechikoro inowanikwa nemakambani mashomanana nevaya vane mari dzakashata kudarika iyo inowanzoita mari yekutsvaga mabhizinesi ehurumende, hupfumi hwakasimba hunoita kuti kuvandudzire hutano hwemari kune makambani makuru ekubudirira. Izvi zvinoita kuti vasapedzisira vasipo pamabatanidzwa avo, izvo zvinozove zvakakosha pamatengo avo - uye vatengi 'vanodzoka.
Iyi chati, inobva kuSt. Louis Fed database (FRED), inoratidza kusagadzikana kwezvibereko zvakakura munguva yekudzoka uye simba rayo panguva yekuwedzera.
Zvitarisiro zvekugadzikana kana kuderera kunokanganisa : Muhomwe wakawanda wekutengesa kushandiswa , kana huwandu hwevatsigiri vanokundikana kuita mhindu kana kuti zvikwereti zvikuru pazvisungo zvavo, ndeyekukosha kukuru kwekukohwa kwemahoteri.
Iyo yakaderera muzinga, zviri pachena, zviri nani kumashure emusika. Kunyanya kudarika purogiramu yemazuva ano, zvakadaro, nyaya inonyanya kukosha ndeye inotarisirwa nevashambadziri maererano nekusagadzikana kwemazuva ano. Mune mamwe mazwi, kana kutadza kushandiswa kwakaderera ikozvino asi kunotarisirwa kukwira mugore rakatarisana, iro raizova musoro winduku kusvika kushanda.
Kusiyana naizvozvo, kukwirira kusingasviki kwepamusoro nekutarisira kwekuvandudza kunowanikwa zvakanaka.
Vatengesi vanogona kuchengetedza ruzivo rwezvinoitika pane izvi mberi nekutevera musoro munyaya dzezvemari. Chinhu chakanaka chechikamu chakakonzerwa nehuwandu hwekukohwa ndeyekudya kwemashoko ekudhura kukuru ETF zvakadai seShares High Yield Corporate Bond Fund (HYG), iyo inogona kuonekwa pano. Chati chemazuva mashoma anowanikwa (kusvika gore ra2012, risati ravandudzwa) iripo pano.
Mukurumbira wevatengesi mune ramangwana : High-yield bonds inonyanya kuisa mari , iyo inoreva kuti inowanzove yakakurumbira apo vashandi vanofunga kuti vane tariro asi vanotambura apo vashandi vanowedzera kutya uye vanotsvaka nzvimbo dzakachengeteka . Izvi zvinoratidzirwa muhutano husina kunaka hwehuwandu hwezvibereko zvehupfumi muna 2002, apo vakadzoka -1.5% mukati mekubudisa dot.com bubble, uye muna 2008, pavakateura -26.2% munguva yematambudziko emari. Muchirevo ichi, kukohwa kwakanyanya kunowedzera kutora zvikwata zvakanyanyisa kudarika kushandiswa kwebhizinesi bhizimisi.
Isa imwe nzira, chii chakakosha pamatokisi akanaka kune zvibereko zvakakura.
Pamusoro-muhomwe yezvibereko zvinopararira : High yield yields inowanzoongororwa maererano ne " chibereko chavo chakapararira " maererano nehupfumi hwakafanana, kana mune mamwe mazwi, vatori vemichero yakawanda vanobhadhara nokuda kwekutora dambudziko rakawedzerwa.
Kana kupararira kwave kwakakwirira, zvinoratidza kuti iyo yeklasi yepasisi iri mukutambudzika uye ine nzvimbo yakawanda yekuonga kwemuzouya (kwete kureva kuva chinhu chinogona "kupora" mukana.) Zvimwe, kupararira kwakaderera kunoratidza kuti pane zvishoma zvingave zvakakanganisika - uyewo dambudziko guru.
Chimwe chiitiko chakaitika muna 2008. Zviyo zvinopararira zvinoputika kusvika nguva yose yakakwirira pamusoro pePfuma - sezvakaratidzwa pano - mumvura yakadzika yematambudziko emari. Mumwe muzvikwereti uyo akashandisa izvi zvingadai akabatsira kubva ku 59% kudzoka muhutano hwakawanda munguva yekubvumira muna 2009. Pakati pemuganhu wakafanana, zvakanyorwa-zvakaderera zvakapararira muna 1996 kusvika muna997 zvakagara zvichiti nguva yakawedzerwa yekuparara inodzoka munguva ya1992-2002.
Chinokosha, sekugara nguva dzose, ndechokutsvaga mikana apo boka rekutengeserana riri pasi pekushandura pane pane kuisa nhamba dzekudzoka dzakasiyana.
Zvinokonzerwa nekukwira uye kuwira mari
Vamwe vaverengi vangashamiswa kuti nhaurirano iyi haina kutaura nezvekufamba kwemitengo yakawanda kusvika ikozvino. Chikonzero cheizvi ndechokuti zvikwereti zvakasununguka zvinowanzove zvisinganyanyi kunzwisiswa nehuwandu hwemaonero kupfuura nzvimbo dzakawanda dzebhizimisi rechibvumirano. Ichokwadi kuti kana zvibereko zvichifamba zvakanyanya zvakakwirira kana kuti zvishoma, zvibereko zvakakura zvinowanzoenderera mberi nokuda kwekutasva. Zvisinei, kuzvininipisa kwekugovera maitiro hazvirevi kutarisa muhomwe yakakura, sezvo kuwedzera kwezvibereko kune imwe nzvimbo yemusika kazhinji kunoguma nekuvandudza hupfumi hwemari - izvo, sezvakataurwa pamusoro apa, inofanirwa nekodzero yeklasi. Ichokwadi, hutano hwakawanda huri kuwirirana zvakanyanya nematokari kupfuura zvavaine nehuwandu hwekutsvaga-bhizinesi zvisungo pane nguva - zvichireva kuti ivo vanogona kunge vari imwe yevashandi 'zvakanakisisa masarudzo panguva dzekuwedzera kwemari.
Izvi zvinotitaurira pamusoro pekutsinhanisa kwepamusoro
Kune vashandi vanofunga nezvehuwandu hwezvibereko zvehutano, zvinyorwa zvinotaurwa pamusoro apa zvinofanira kureva nyaya inokosha: apo hupfumi huripo huripo hunokwanisa kupa huwandu hwehuwandu hunoti hunyanya hutsanangurira hutano hwekutsvaga mabhizimusi, hunopa huwandu hwakasiyana-siyana kune mumwe munhu akaiswa mumatanda. Nyaya yacho yakafukidzirwa zvakajeka munyaya yangu, Kushandisa Kukurura Zvikwereti zveDhiversification.
The Bottom Line
Kudyidzana kwezvibereko zvakakosha kunowanzoita zvakanakisisa apo kuwedzera kwemaitiro kunofadza, vatengi vanovimba, uye zvakashata zvakaderera kana kuwira, uye kubereka kunopararira kunopa nzvimbo yekuwedzera kukoshesa, asi zvinowanzochera kana zvakasiyana. Kunyange zvazvo varimi vanofanira kugara vachiita zvisarudzo zvichienderana nezvinangwa zvavo zvekugara kwenguva refu uye kushivirira kwekuisa mungozi , zvinhu izvi zvinogona kupa pfungwa yezvenguva iyo inonyanya kukosha kutenga zvigadzirwa zvepamusoro zvezvibereko.
Dzidza zvakanyanya : Izvo zvakasikwa zvakakura zvakadini zvakaitwa kwenguva yakareba?
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. Nguva dzose taurirana nemudzidzisi wekutsvaga mari uye muteresi wezvemitero usati waita mari.