Izvo zvaunoda kuziva nekuda kwekutsvaga masimba mumisika yebhebhu
Hezvino izvo zvaunofanira kuziva pamusoro pezvakanakisa mutual fund inotengeswa nebhiza rebhebhu.
Best Stocks and Secteurs for Rising Interest Rates
Kana huwandu hwezvikwereti huri kuwedzera, hupfumi huri pedyo nepamusoro-pfupi (Federal Federal inokurudzira maitiro apo hupfumi hunoita sehwuchikura nokukurumidza uye naizvozvo kuwedzera kwezvinhu kunofunganya). Vaya vanotarisira nguva nguva yemusika nemakambani vachava nechinangwa chekutora mhinduro dzakanaka pamucheto pavanenge vachigadzirira kudzivirira pakurwisana kunowedzera apo misika inowira (zvakare, funga 2007 kusvika muna 2008).
Vatengesi nevatengesi vanogonawo kufunga nezvemaitiro anowanzoita zvakanakisisa (kuwira mumutengo zvishoma) apo misika uye zvehupfumi zvinotsika pasi:
- Vashandi Vekuchengetedzwa Kwemakambani Mutual Funds : Uyewo anozivikanwa se "vasiri makwikwi," vanhu vachiri kuda kutenga zvekudya zvavo uye kutenga zvigadzirwa, izvo zvinoungana pamwe chete zvinonzi vashandi vezvokudya, zvehupenyu hwezuva nezuva apo kutengesa kwematambudziko kunotanga kurohwa.
- Utano Huchengetedza Mari Mari : Sezvakafanana neyokutanga, vatengi vachiri kuda kutenga mishonga yavo uye kuenda kunechiremba munguva dzakanaka uye dzakaipa. Ichi ndicho chikonzero sangano rehutano haringakanganwi sezvakaoma mumisika yebhebhu uye kutengesa kwepamatambudziko semakambani akawanda akawandisa.
- Mari dzeGoridhe uye ETFs : Apo vatengesi nevatengesi vanotarisira kuderera kwezvoupfumi, vanowanzoenda mune mari, zvakadai semari yegoridhe neye ETFs, inoshandiswa mumhando chaiyo yezvigadzirwa zvavanoona kuti yakatendeka pane kuchengetedzwa kwekutsvaga mari, mari uye mari.
Mari dzeBond Best Best Rising Interest Rates
Bond yemitengo inofambidzana nenzira yakatarisana sechido chekuda. Heano mamwe emhando yezvisungo zvinogona kuderedza icho chikwidziro chekuda kwehutachiwana mumatengesi ehwebheji:
- Bhizimisi Bhizimisi Zvishoma: Kukwidzwa kwezvikwereti zvinokonzerwa nemitengo inoita kuti mitengo yezvisungo iende asi asi nguva yakakura, iyo inowedzera mitengo inowira. Nokudaro zvakasiyana ndezvechokwadi: zvisungo zvemashure maduku zvichaita zviri nani kudarika avo vane nguva yakareba mukuwedzera kwekuda kwemazingira nekuda kwematengo avo. 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 yevamiririri vakarasikirwa nekunyoresa mari, yakadai seVanguard Intermediate-term Bond Index (VBIIX), iyo yakarova 99% yezvimwe zvose zvepakati-bhizimusi mari yegore muna 2011. Mari yeBond yakawanda haina kuwaniswa 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).
- Zvigadziriswa-Zvidziviriro Zvidziviriro: Uyewo inozivikanwa seHurumende yeZvipfeko-Zvidziviriro Zvidzivirirwa (MAZANO), idzi mari yezvisungo inogona kuita zvakanaka kare uye munguva yezvokutengeserana kwezvinhu, izvo zvinowanzoenderana nekuwedzera kwezvibereko uye hupfumi huri kukura. Maitiro mashomanana emaTIPS mari anosanganisira Vanguard Inflation-Protected Securities Fund (VIPSX) uye PIMCO Real Return D (PRRDX).
Funga nezvekudzivirirwa kweStock Sectors
Mari yekambani inotarirwa pane imwe shandasiti, chinangwa chevanhu munharaunda kana mashizha emabhizimisi akadai sehutano, dzimba kana teknolojia. Chinangwa chavo chekutsinhanisa ndechokupa hukuru hwekutsvaga kune mamwe mapoka emabhizimisi, anoshevedzwa. Simba rekuchengetedza mari inoshandiswa mune zvikamu zvinogona kuita zvakanaka kune mamwe maindasitiri munguva yekumusika kana kusimba kwezvemari, yakadai sehwebhu rebhebhu kana kuti kutengesa, zvichienderana.
Mienzaniso inosanganisira utano hwehutano nehutano . Iwe unogonawo kufunga nezvezvivi zvemari .
Invest in Bear Bear Funds (Ne Kuchenjerera)
Mari yekutengesera mari haisi yevanhu vose. Izvo zvikwata zvekuchengetedza mari zvakagadzirirwa uye zvakagadzirirwa kuita mari munguva yekutengeswa kwebhebhu, saka zita racho. Kuti uite izvi, takura mari yemakakiti inotengesa mari muzvikamu zviduku uye zvigadzirwa, saka kudzoka kwavo kunowanzoenda kune zvakasiyana nedzimwe nhamba yekuenzanisa.
Semuenzaniso panguva yemakethe yebhebhu muna 2008, imwe mari yemakethe yebhebhe yakanga inodzoka inodarika 37%, asi S & P 500 yakaderera nehuwandu ne 37% iyo inomiririra kudzoka kwakakwana kwekudzoka, kana kuti 74% inobatsira pamusoro pezvikwereti zvakakura zvemusika.
Iwe Unogona Kushandisa Nguva Yakasvibiswa Chikwangwani
Kune varairi vemazana, zvinogona kuchenjera kuti urege kungobuda kunze kwemusika nguva uye nzira dzisina kumira dzekuedza kubvisa zvose zvingangobvira zvekudzoka (uye pamwero wakawedzerwa pane izvozvo).
Pane kudaro, iwe unogona kusiyanisa nemari yeongorori uye urega kuti mushamba uite zvaunoda (nokuti kunyange kunyange matanho asingakwanisi kufanotaura). Heino muenzaniso wakajeka, uchishandisa mari yose yeVanguard index, inonzi "Three-Fund Lazy Portfolio:"
40% Total Stock Market Index
30% Total International Index Index
30% Total Bond Market Index
Pamusoro pezvose, ita izvo zvinokubatsira iwe. Kana uchida humwe hutungamiri, tarisa chaunofanira kuita Usati Wavaka Chikamu cheMutual Funds .
Nezvemari haigone kupa mutero, utsvaga, kana mari yemari uye mazano. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kubvumira kusangana nematambudziko kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru.