Bond Bond Funds uye Mutero-Wakaenzana Wekugovera
Saka, nei iwe uchida kutenga chikwereti chemasimende kana iwe uchigona kutenga rimwe bhadha rebhadhiro rine chibereko chakakwirira?
Chii Chibhadharo reMasisita Bond?
Municipal bond funds inobata zvikwereti zvinopiwa nehurumende nehurumende (pamwe nedzimwe nhengo dzakabatana).
Mari yehurumende yebhadharo inowanzotengwa kuti iwane mutero unobhadharwa wakapiwa kumasungwa emunharaunda uye zvakasiyana-siyana zvekubhadhara mari . Asi iwe unoziva sei kana chibereko chemunharaunda yehurumende yekusungira mari inokwezva kana ichienzaniswa nebhadhadzi yekusungirwa mari? Zvose zvimwe zvakaenzana, mhinduro yacho iri mumutengo unobhadhara mutero.
Mutero-Usina Hunhu hweMasimendi Bond Funds
Kazhinji, mari inobhadharwa mukati memasitatimendi ehurumende inoshandiswa mutero isingabhadharwi muhurumende yepamusoro. Kana chikwereti chacho chiri nemasisita emasisita akabudiswa munharaunda yemusha wemurimairi, zvino chido ichi hachinawo mutero kune hurumende.
Pamusana pemutero usingabhadharwi wemasistiro emasisita, mutapi (munyaya iyi masuwa) anogona kupa chibereko chakapfuura kudarika kusungirwa zvisungo (semuenzaniso, zvisungo zvehurumende, zvibvumirano zveUnited States ) zvine maitiro akafanana (kureva, kukura, kubhadhara chikwereti) panguva achiri kukwezva vatengesi.
Kukurumidza kuverenga kwemutengo unobhadhara mutero kunobatsira mubhadhari kuti asarudze kana ivo vakanyatsopinda mubhadharo yemasisita.
Mutero-Wakaenzana Nekubhadharwa Kwemari Bondhu Bond Fund
Tichifunga kuti kukura kwakafanana uye chikwata chekwereti, iwe ungasarudza kutengesa musungo unotengesa unobhadhara 5% kana mutero musingabhadhara musungo unobhadhara 4%? Mhinduro iri nyore ndeyekuverenga mutero wakaenzana nemutero. Mutengo unobhadhara mutero ndeyekutanga kutengesa mutero wekuti musungo unobhadhara unofanirwa kubhadhara kuenzana nemutero usingabhadharwi mushumo wekushambadzira.
Semuenzaniso, kana muteresi ari 35% yemukero wematare emari ari kuenzanisa zvibvumirano zviviri zvakataurwa pamusoro apa, mutengesi achaparadzanisa mutero usingabhadharwi mushumo wekushushikana kune umwe asingatori mutero wake:
Mutero-Wakaenzana Kubereka = .04 / 1 - .35 = 6.15%
Iko kuverenga kunotitaurira kuti 6.15% yezvibereko pamusangano unobhadhara unofanana nechibereko chisina mutero che 4%. Saka, kana uri kuenzanisa mari inosungirwa mari yebhadhiro nemari yemabhishopi mari, mutero unobhadhara mutero ndiyo nzvimbo inonzwisisika yekutanga tsvakurudzo.
Iwe unogonawo kuwedzera huwandu hwebhadharo yehutano hwe5% neumwe unodzinga mutero wako (.05 ka1 1-.35 = .0325). Iyi kuverenga inotitaurira kuti mari inobhadharwa yezvisungo zve5% inofanana nebhadharo yemasisita mari yehupfumi yemari ye 3.25%.
Ndezvibhadharo zveMisimari yeMuniti Kwauri Here?
Mari yehurumende yezvisungo inowanzokwezva kune vatengesi mubhakitari dzakakwirira dzepamusoro uye kunze kwemakero ekurasikirwa kwemitero (eg, IRAs, 401k) apo mutero unodzokororwa pamisungo inotengesa. Zvisinei, iwe unofanirwa kushandisa mutero wakaenzana wekukohwa kuverenga kuti uone kana mushure mitezo yekutengesa inokwezva.
Iwe unogona zvakare kuongororazve zvinyorwa zvekuti mari yekutengeserana inobhadharwa sei .