Nenguva Yenguva Pfupi, Yechipfuva-Yenguva, uye Yenguva Yakareba Bond Fund
- Nguva pfupi (pasi pemakore mashanu)
- Chikamu chemukati-nguva (makore mashanu kusvika kune gumi)
- Yenguva refu (makore anodarika gumi)
Ukama Pakati Pengozi uye Kuzvipira
Kushamwaridzana kwenguva pfupi kunowanzova nehutano hwakaderera uye hutsika hushoma , nepo kwenguva refu-zvisungo zvinowanzopa zvibereko zvakakwirira asiwo njodzi huru. Sezvo zita ravo ringave rinoratidzira, kushamwaridzana-nguva yezvisungo zvinowira pasi mukati.
Sei ichi? Zvakanyanyisa, kutenga nguva yakareba-yekusungwa kunovhara mari yevatengesi kwenguva yakareba kudarika bhizimisi kwenguva refu, iyo inosiya nguva yakawanda yekutora kuwedzera kwekufambisa kunobatsira mutengo wezvisungo . Zvinenge zvisungo zvose nezvikwereti zvepfuura gore zvinotarisana nemugove wekutengesa mutengo kunobva kune chido chekuda kwehuwandu . Iyo yakareba nguva kusvika pakukura , yakawanda iyo inogona kuwaniswa mutengo. Iyo inopfupisa nguva yacho kusvika pakukura, yakaderera mutengo wekuchinja .
Uyezve, zvigadzirwa zvenguva pfupi zvinoshandiswa nehurongwa hweSouth Federal Reserve , asi kushanda kwenguva refu kwezvisungo zvinowanzogadziriswa nemashamba emasimba.
Sezvo mutengesi mafungiro akashandura zvakanyanya nokukurumidza kudarika Fed mazano, izviwo zvinotungamirira kune zvakanyanya kutengesa kwekugadzirisa kwezvisungo zvenguva refu.
Bond Performance munguva dzekukwira uye kuwira mari
Tafura iri pasi apa inoratidza muenzaniso wekuti kutama kwemaitiro kunobata sei kudzoka. Kubva pane data kubva musi waJanuary 24, 2014, imwechete-yepamusoro yepamusoro yehuwandu yemitengo inowanikwa ingadai yakave nemigumisiro inotevera pamitengo yepfuma:
- 2-Gore: -1.9%
- 5-Gore: -4.7%
- 10-Gore: -8.5%
- 30-Gore: -17.8%
Ramba uchifunga; iyi inongova muenzaniso chete unobva pane dhiyabhorosi data kubva kune rimwe zuva. Iyi dheedhi inofanira kushandiswa kuti iwedzere kufanana kwehutano hwezvisungo zvekusiyana zvakasiyana kwenguva yakareba, asi inopa mufananidzo wekuwedzera kusagadzikana kunobatanidza nekusungwa kwenguva refu.
Kusarudza Zvakanakisisa Kwauri
Vashandi vanogadzirisa zviratidzo zvavo kune rumwe rutivi rwechimwe rutivi maererano nekutsungirira kwengozi , zvinangwa, uye nguva.
Semuenzaniso, mutori wekuchengeteka ndiyo inonyanya kukosha yaizobayira zvimwe zvibereko mukutsinhanisa nekugadzikana kwakanyanya uye kuderedza dambudziko rekurasikirwa riripo munguva pfupi yezvisungo . Ukuwo rumwe rutivi, mudyari ane ukama hwakanyanya hwekutsungirira uye nguva yakawanda kusvikira iye aida kuisa mumukuru wake angatora dambudziko guru mukutsinhanisa nezvibereko zvakakwirira zvinowanikwa muzvisungo zvenguva refu.
Hapana mhinduro imwechete yakarurama yekuti ndeipi nzira inosarudza zviri nani; zvose zvinoenderana nemamiriro emuunhu. Zvisinei, zvakakosha kuchengeta mupfungwa kuti mari yakareba yezvisungo zvehurumende , zvichienderana nekukwirira kwayo kusina kukodzera, hazvina kukodzera kune mumwe munhu anoda kushandisa mutungamiriri mukati memakore matatu kana kupfuura.
Nzira Yokuita Nayo MuChimwe Chega
Vatengesi vane nzira dzakasiyana-siyana dzokugadzirisa mune zvishomanana, zvepakati nepakati uye kwenguva refu. Iyo nzira mbiri dzakakurumbira dzinoshandisa kushandisa mutengo wemari kana mari yekuchinjana-yekutengeserana .
Mambakwedza yakaronga bhadha mari nezvikwereti zvavo pawebsite yepaiti, iyo inogona kupa vashandi mavambo kutanga kwekutsvakurudza. Izvi zvinotevera zvinoratidzira mari inhengo imwe neimwe:
- Nguva shoma yenguva yezvisungo
- Pakati pepakati-term bond funds
- Yenguva refu yezvisungo zvemari
Shandu-inoshandiswa mari (ETFs) inopawo vatengesi nemhando dzakasiyana-siyana dzezvimwe zvikamu munharaunda imwe neimwe. Sezvakangoita nemari yekutengeserana, vazhinji vanoparadzaniswa kwete kwete nehuwandu hwavo hwekukura, asiwo nechomwe chikamu chemusika chavanofukidza. Semuenzaniso, vatengesi vane chisarudzo pakati pezvishoma, zvepakati nepakati, uye zvenguva refu zvisungo mukati mehurumende, masisita, uye masangano ehurumende.
Pakati pepakati-bhizimisi mari yezvisungo ndeyekukura kukuru pane zvitatu. Chikonzero cheizvi chiri nyore: kuratidzira mari uye avo vanowanzoisa mari muhutano hwakazara webhizimisi yezvisungo zvinowanzoenderana nehuwandu hwekuwedzera "mukati" . Ngwarira kusiyanisa pakati pemari inokodzera izvi tsanangudzo kune izvo zvakanyatsozvitsaurirwa kushamwaridzana-nguva yezvisungo.
Shoko rekuchenjerera: Zvibvumirano Zvenguva refu Hazviwanzogadziri Nhamba Yakakwirira Kudzoka Kwese!
Kana uchitarisa pamusoro pemari yemigumisiro yemigumisiro, zvinokosha kuti uchengetedze mamiriro ezvinhu epamusoro mupfungwa. MunaJanuary 2013 - mwedzi mishomanana mushure mekutengeswa kwebhizimisi yakatanga kuderera-muweti wekutsvaga uyo akatarisa matambudziko eWatchstar's bond fund angadai akaona izvi zviyero zvekudzoka kwegore kune zvikamu zvitatu zvakakura mumakore gumi apfuura:
- Nguva shoma yenguva yezvisungo: 3.03%
- Bhizimisi-bhizimisi yehurumende mari: 5.65%
- Mari dzenguva refu yemari: 8.53%
Chii chinoita kuti inodzoke yezvisungo zvenguva refu zvakasimba zvikuru? Kakawanda nokuti izvi zvinoguma zvichitarisa mugumo wemuswe wemakemikari emakore makumi mana emabhengi muzvisungo. Kana matanho ari kuwira , kwenguva refu-zvisungo zvinounza zvakakwirira zvakadzoka zvachose . Pane imwe nguva mitengo yakatanga kusimuka, zvakadaro, hukama uhwu hwakashandurwa pamusoro wayo. Nokuda kwegore rose ra2011 rakarani, pfupi-, mukati, uye kwenguva yakareba zvikamu zvakadzoka 0.45%, -1.45, uye -5.33%, zvichienderana.
Kutora: hazvinei pasinei kuti zvipi zvekudzoka kwematafura zvichiti chero nguva ipi zvayo, ramba uchifunga kuti nguva yakareba-nguva inowanzoenderana nemichero yakakwirira, asi kwete iyo yakakwirira yakadzoka zvachose .