Nharaunda Dhiyabhorosi Inokwidza Kunetseka Kwevateresi Nekuva neBonds muPodfolio
Iko kuchangobva kusimuka muzvikwereti zvezvikwereti kune vashandi vakawanda vanobvunza mibvunzo kana zvikwereti zvichine nzvimbo munzvimbo yavo yekutsvaga mari. Uyu mubvunzo unokodzera. Nhamba dzechidhindo nematengo ezvisungo zvinotarisana nenzira dzakasiyana. Kana zvikwereti zvikwira, hutengo hunowira. Ichokwadi ichi chiri kunyange kunyange vatengi vanochenjerera zvikuru vachifunga kana yava nguva yeadios zvisungo zvavo.
Basics of Bonds
Zvikwereti zvinongova IOUs zvakabudiswa nemakambani kana hurumende.
Paunotenga kusungirwa kwemakore mashanu kwe $ 10 000, mutengesi ari kushandisa $ 10 000 pamutambo iwoyo, panguva imwe chete achikubhadhara chikwereti chegore negore. Pakuguma kwemazwi aya, aka, kuburitswa kwechibvumirano, unowana $ 10 000 kumashure. Pamusoro peshoko rose, waunganidza $ 500 / gore, (5 muzana pa $ 10 000), uye wakaita kuti mukuru wako wepakutanga adzoke. Zvechokwadi, kana sangano iro rakabudisa hurumende inoputsa kana kuti inoparadzwa nevapanduki, iwe unorasikirwa nemari yako.
Kakawanda sei zvisungo zvisingasviki? Izvo zvinoenderana nerudzi rwechisungo. US hurumende mabhandi ndiyo yegoridhe yemari yechikwereti. Maererano naCarmen Reinhart kubva kuchikoro cheHarvard chaKennedy, hurumende yeUnited States haina kutora kubva kuma1900. Izvi zvinokwereta chikwereti cheUnited States "risina ngozi." Zvisinei, humwe hurumende dzakawanda dzakasara pazvisungo, kusanganisira Greece neArgentina.
Mabhandi ehurumende anonziwo ane mikana yakaderera yekusavapo, uye inowanikwa kushandiswa kwekutengesa kwepasi pepasi pe2 ½ pazana pamakore makumi mashanu adarika.
Kushanda-zvipfeko kana zvipfeko zvisina kuisa mufananidzo wakasiyana zvakasiyana-siyana, nekavhareji yemakore makumi maviri nemazana makumi maviri kubva ku9 muzana.
Nharaunda Dhiyabhorosi Dzakaoma Kufanotaura
Pakutanga kwa2014, 67 kubva pa 67 economists yakataurwa muBloomberg News report yakagara ichitaura nezvokukwira kwakanyanya muAmerica kuwanikwa kwehuwandu sekuenzaniswa ne US 10-Year Treasury Bond .
Pakupera kwegore iroro, vose 67 veavo vezvemari vakanga vasina kururama. MunaJanuary 2014, 10YT yakarova 3 muzana. Pakupera kwegore, yaive iri pedo ne2 muzana. Oops.
Kufananidzwa kwakafanana kwakave kwakapararira (uye zvakaenzana kusina kururama) kubva muna 2010. Saka, zvakadini kana iwe ukasara kunze kwemusika wezvisungo mumakore manomwe akapfuura kufunga kwemazana kwaizomuka? Mune mari, iwe ungadai wakawana nezve 0.7 muzana (0.1% / gore X 7 makore). Enzanisa izvozvo kune US core core aggregate bond index ETF (AGG), iyo inodzoka zvachose ye27 muzana kana 3.5 kubva pagore.
Musandiita zvakaipa. Handisi kureva kuti mazinga haazokwira kubva kumatunhu avo emazuva ano - mari yemakore gumi ichiri kuenderera mberi inenge 2,5%. Ndiri kungotaura kuti kufanotaura kwekuda kwekuda kwekutengeserana uye yekupedzisira kwemashamba emabhangi kune shungu kunyange kune vadzidzisi - sekuoma sekufanotaura kwekukwirira kwepamusoro pamusika .
Kwete yose Bonds Ndiyo Izvo
Zvisungo zvakasiyana zvinoita zvakasiyana nekusimudzira chido chezvibereko. Nguva yenguva yekukura, kana nguva, inobatsira kufanotaura kuti mutengo wayo uchasanganiswa sei nekuchinja kwezvibereko zvezvibereko. Zvibvumirano zvakagara kwenguva refu (makore makumi matatu eUnited States Pfuma) ichawa 17,7 muzana apo chiyero chezvikwereti chichikwira 1 muzana kana chichikwira chiyero chezvisungo zvinogara zvakanyarara.
Ramba uchiyeuka kuti izvi hazvirevi nezvemari yaunowana kubva kune chisungo mugore rakapiwa. Nokudaro, mune zvakasvibiswa kuwanda kwezvisungo, kushandiswa kwechibvumirano, uye hurumende yeUnited States yezvibereko, inowanikwa mari (kufarira) yakabhadharwa inowanzoita kuti zvikamu izvi zvive nekudzoka kwakakwana, kunyangwe pakatarisana nekukwira kwemari.