Ndezvipi Zvenguva refu Yezvikwereti Zvisungo Zvakakunakira?

Mari Yenguva Yakareba Mari Inogona Kubatsira Kudzoka Kwepamusoro, asi Ipo Pangozi Dzakakwirira

Iwe ungada sei kuva nehomwe yekusungirwa mari yakakwanisa kudzoka 55.9% mugore rimwechete? Ndizvo zvakaitwa neVanguard Nguva Inosvika Purezidhendi ETF (EDV) yakaitwa muna 2011 - gore iro rakaunza kuderera kwakakomba muzvibereko zveHumori. Zvibereko zvakakura, kuva nechokwadi-asi varairi vanodikanwa kunge vaine ruzivo rwekuti nguva yakareba yezvisungo zvemari inotakurawo njodzi huru.

Mari Yenguva Yakareba Mari: High Risk, High Return

Kubva pamakadzo ekudzoka pamusoro apa, zvakajeka kuti mari yakareba yenguva yezvisungo mari dzimwe nguva inopa rudzi rwemari inobatanidza nepamusoro-panjodzi dzemakambani emakambani, zvakadai sekidiki-zvidhi.

Chikonzero cheizvi ndechekuti kana hutano huchiwa, nguva dzenguva-nguva dzinowanzopa zvakanakisisa kushanda. Somugumisiro, 2011 ndiyo yaiva nzvimbo yakakwana yemari iyi: munguva yegore, chibereko pamakore gumi-makore chakanyorerwa kubva ku3.331 kusvika ku87% sezvo mutengo wacho wakasimuka. (Ramba uchifunga mupfungwa dzako, matengo uye zvibereko zvinotarisana nenzira dzakasiyana .)

Nguva yakareba yezvisungo zvekusungwa zvinogona, saka, kuva motokari yakanakisa yekutengesa , asi kwete iyo inowanikwa zvakanyanya. Izvi zvinonyanya kukosha kune vashandi vezvisungo, avo vanowanzotarisa kuunganidza mari uye kuderedza kusagadzikana. Zvinosuruvarisa, idzi mari dzinoramba dzichienda mune zvepasita.

Tora nguva yevhiki imwechete kubva musi waMarch 7 - March 14, 2012. Munguva iyi, vatengesi vanotengesa mari yeUnited States nekusiya zvisina basa mukupupurira huchapupu huri kukura hwekuvandudza hupfumi hwehupfumi. Muchikamu ichi chiduku, mari inotaurwa pamusoro apa, EDV, yakadzoka -7.18%. Vashandi vehurumende vakawanda vanofunga nezvekudzoka kwakadaro gore rakashata, asi izvi zvakanyangarika zvakatora vhiki imwe chete.

Iva nehanya nezvengozi dzepasipo kana iwe uri kufunga nezvekutsvaga kwekuchengetwa kwenguva refu.

Ramba uchiyeuka, zvakare, kuti zviitiko zvekukuvadza-uye-kudzoka kwenguva refu yezvisungo zvikwata zvichange zvichishungurudzwa nehuwandu hwayo huchibata. Chirwere chenguva refu chinoshandisa mari yezvikwereti nekodzero yakawanda yekwereti , yakadai seyakaderera- makambani ehurumende uye yakakura yezvibereko zvisungo (zvisingazivikanwi sezvisungo zvisingabatsiri), zvinogona kunge zvine ngozi huru kupfuura iyo inotarisa pamakakatengesa emakona ane pangozi , akadai AAA-rated bonds uye, pamusoro pezvose, pfupi pfupi Pfuma.

Zvinokonzerwa neReder Rate Rate yeChikwama Chenguva Yakawanda

Vashandi vanofunga nezvemari iyi vanofanirwa kufungisisa nezvehuwandu hwekuda kwehuwandu hwemari. US Treasury inobereka yakave iri downtrend kubvira muna 1982, uye ichitevera Great Recession yakatanga kumavira kwegore ra2007, iyo yakanamirwa pamatunhu akaderera neanotora mutemo we US Federal Reserve , iyo yakatanga hurongwa hwekukurumidza kupfuma .

Chero chiratidzo chekuti hupfumi hwezvehupfumi huri kudzokera kune zvakakodzereka uye pasi kana kuti Fed iri kugadzirira kuwedzera mitero inogona kutumira mari yeHarare inowedzera yakakwirira. Izvozvo zvakati, zvakaoma uye zvichida hazvibviri kuita zvirevo zvinonzwisisika pamusoro penguva iyo chirongwa ichi chichachinja - sezvataipupurira munguva yechikamu chechipiri cha2013 apo nzvimbo yakaderera yemari yakasvike yakaonekwa seyo kuguma, asi yakadaro haina.

Asi izvi zvinongowedzera zvinoratidza kuti mari iyi - yakawanda iyo ine simba yakadzama yekuita nhamba nekuda kweruzhinji refu yemakethe muzvisungo zvinotevera Great Recession - inogona kuva yakajeka kushandiswa kwekutsvaga kwenguva ino panguva ino inowanikwa-inotora, kunyanya sezvo kuedza nguva nguva yekutengeswa kwekutengeserana kutengesa kuwedzera kwekuwedzera kunogona kunge iri nyaya yerombo kupfuura chero chimwe chinhu.

Dzidza zvakanyanya : Kuitwa kwenguva shoma, pakati, uye kwenguva refu yezvisungo mari inofananidzwa sei nenguva?

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.