Dzidza Zvakawanda Pamusoro peJunk Bond Funds uye High Yield Investing
Bunk Bonds Tsanangudzo
Izvo zvinozivikanwa sezvibereko zvakakura, zvipfeko zvisingabatanidzi zvikwereti zvine chikwereti chezvikwereti zvinowanikwa pasi pekutsvaga bhizinesi (azasi pasi peBBB ne Standard & Poor's kana pasi peBa neAody's credit rating agencies) AAA iripamusoro). Bhandi inogona kugamuchira chikwereti chakaderera pamusana pengozi yekusasikirwa pane chikamu chebato rinobudisa bhandi.
Nokuda kweizvi, nekuda kwedambudziko iri risina kukwana, masangano anounza zvibvumirano izvi achabhadhara mari yakawanda yekutora kubhadhara vatyairi vekutora mungozi yekutenga zvisungo, naizvozvo zita rakakura rinobudirira .
Funga nezvekodha yemari yako. Vanhu vane hurongwa hwekwereti, kana avo vane zvikwereti zvemari vasina simba, vachapiwa zvikwereti zvishoma zvechikwereti uye naizvozvo vachakwaniswa kubhadhara mari yepamusoro yekukwereta. Izvo zvinofungidzirwa zvinoteverwa nemasangano anopa zvikwereti zvekubhadhara zvikwereti kune zvibvumirano zvinosungirirana, zvakadai semakambani, hurumende nemaguta: Nhaka yakawanda yekukweretesa kana uwandu hwemari husina simba hwakaenzana nehuwandu hwemari yevakweretesi. Mune zviitiko zvezvisungo, sangano rinobudisa zvikwereti ndiro anokwereta uye mubatanidzwa wezvisungo ndiye anokweretesa.
Nezvimwewo zvikwereti zvikwereti zvepamusoro zvekwereti zviri pamusoro pegorosi yekutsvaga. Masangano ane maitiro akareba achapiwa mubhadharo nekubhadhara chikamu chechibereko chekukwereta.
Investment Strategy, Timing & Risks yeJunk Bond Mutual Funds
Chikonzero chikuru chekutsvaga mari muzvivimbiso nechepamusoro pengozi yakakwana isinganzwisisi - dambudziko risina kukwana rinogona kushandura kuti rive rakadzoka. Zvisinei, nyika yemari yakagadzirirwa inonetsa; iyo misika yepamusi yekutsvaga mari muzvisungo zvisina kukodzera uye huwandu hwehutano hwehutano huri mari huzhinji husinganzwisiswi.
Bond mari yemitengo inobatanidzwa nehuwandu hwezvikwereti uye kutengesa kwenyika uye kutengeswa kwezvisungo zvinotungamira kune zvakasiyana maererano nesungo rinobereka. Kuburikidza nezviito zveSweden Reserve, nhanho dzekuda dzinogona kuwedzerwa kana kuderera, kunonoka kudarika hupfumi hwepamusoro kana kuti kusimbisa munhu asina simba, maererano, chero zvakakodzera mukutonga kweF Fed kwemamiriro ehupfumi aripo. Nhamba dzechido inowanzokwira panguva dzekukura kwekutsvaga kwehupfumi uye inowanzoparara mumamiriro ezvinhu epfuma.
Vashandi nevatengi vemisika vanoitawo mari yezvisungo uye zvibereko. Vashandi havasi ivo vanoda kubhadhara zvakanyanya pamutengo wehutano hwakanyanya asi vanoda kubhadharira zvakawanda nokuda kwehutano hushoma. Funga nezvemazuva ekuregererwa kwemari apo mutengesi wezvipfuwo anenge achifuratira kubva panjodzi yakananga uye kune inoona kuchengetedzwa. Sezvo vakawanda vanowedzera mari vachida "kuchengeteka," kudiwa kunokonzera mitengo yakakwirira uye kunobatsira kuderera kwekuchengetedzwa kwakachengeteka kune zvikwereti zvakanyanya kupfuura zvikwereti, zvakadai seAmerican Treasury. Apo hupfumi hunotanga kutarisa hutano zvakare, vashandi vanowedzera kubuda kunze kwekuona kuchengetedzwa uye kupinda munzvimbo dzakakwirira dzengozi. Izvi zvinokonzera njodzi yakakwirira (kureva kusina kubhadhara) mitengo yakakwirira uye zvakasiyana zvinoitika nokuda kwezvisungo "zvakachengeteka" - chibereko chezvibereko (zvibereko) zvinowedzera zvakanyanya sezvo mitengo inoderera nekuda kwekutsvaga kwekutsvaga nemuridzi wezvipfuwo.
Nokudaro, chisingaoneki uye chikuru chinyorwa chekutsvaga kwekutsvaga masangano ndechekuita danho rimwe mberi kweboka (uye Federal Reserve). Nguva isati yasvika uye panguva yekuderera, iyo yakakwirira yemari yechikwereti, mari shoma yekushungurudza mari (iyo inoshandisa mari muSouth Treasury uye pamusoro pekutsvaga mabhizimisi emakambani emakambani) inogona kunge yakangwara kufamba. Kusvika kumagumo ekuderera, mutengesi anogona kutanga kutamira kune yakaderera chikwereti chepamusoro, mari yakawanda yengozi (high yield) mari yezvisungo uye mari yekutasva yakakwirira sezvo hupfumi huri nani. Mukupfupisa, nguva yakanakisisa yekuisa mari muzvisungo zvisingabatsiri iri mumagariro ekupedzisira ekuderera, panguva chaiyo apo pasina mumwe munhu anoda.
Mutual Fund Mazano uye Kuchenjerera
Pamusana pezvinetso zvekuiswa kwezvisungo uye pangozi yekutengesa nguva , vatengesi vakawanda vanoita zvakanaka kuisa mari mubhadha rebhadhiro vane ruzivo rwekutarisira.
Nenzira iyi, unogona kubva kubhururuka kweiyo yakaoma chikwereti nyika kune avo vanonzwisisa - iyo yakanakisisa bond fund managers.
Kana iwe chinangwa chekutsinhanisa chiri pakati penguva refu (makore matatu kana kupfuura) uye iwe uchida kuwana hukama hwepamusoro, unogona kuona mari yakadai saLoomis Sayles Bond (LSBRX), ine boka rekutungamirira rine vakawanda wezviitiko zvemakore, kusanganisira Dan Fuss, uyo akachengetedza zvikwata zvekubatanidza kwemakore anopfuura makumi mashanu. LSBRX i "multi-sector" bond bond, zvinoreva kuti inokwanisa kudyara munenge chero rudzi rwehutano hwehutano, kusanganisira junk bonds, kusungwa kwekunze kune dzimwe nyika uye kubuda kwemashamba mabhizimisi.
Zvimwe zvakanaka zvibereko zvakakura zvezvibereko mari ine mari shoma ine mari inosanganisira Vanguard High Yield Corporate (VWEHX) uye T. Rowe Price High Yield (PRHYX).
Zvechokwadi, kunyange iyo yakanakisisa bond fund managers vanogona kuita zvikanganiso. Nokudaro, iwe unogona kutarisisa kune zvimwe zvikonzero nei uchifanira kushandisa bhadha yekodzero yemari .
Onawo: Mahofisi eMaspala, Bond Corporate uye US Treasury Bonds
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.