Ramba uri mupfungwa, zvisinei, kuti mari iyi haigoni kupa zvakawanda munzira yekugovera.
Chii chinonzi Short-Term Bond Fund?
Iko nguva shoma yezvisungo mari ndiyo mari inobhadhara muzvisungo nezvakakura zvisingasviki makore mashanu. Chero chikamu chinogona kupa chikwereti chine nguva pfupi, kusanganisira hurumende, makambani akaratidzira bhizinesi rekutsvaga mabhizinesi, uye makambani akaronga pasi pasi pekutsvaga bhidhiyo
Ngozi uye Zvibereko
Kushanda kwenguva pfupi musangano iyi kunowanzova nechepakati yehuwandu hwehuwandu hwehutano kupfuura humwe hupakati-kana hurefu hwemazuva , naizvozvo vanoita kuti vakwanise kuchengetedza zviri nani apo misika inenge isina kunaka. Ramba uri mupfungwa, zvisinei, iwe unogona kurasikirwa nheyo mune imwe nguva yenguva shoma.
Heino muenzaniso. Muchikamu chechipiri cha2013, somuenzaniso, mushamba wehutano wakaitwa zvakanyanya. Munguva iyoyo, Vanguard Short-Term Bond ETF (BSV) yakawa -0.77%, asi yakakura zvikuru -4.11% kudzoka kweVanguard Intermediate-Term Bond ETF (BIV) uye -5.94% kudzoka kweVanguard Intermediate-Term Bond ETF (BLV).
Izvi zvinobatsira kuenzanisira kuti kunyange nguva dzenguva pfupi dzakasungwa, hurasi hwavo hwakanga huchienzaniswa nedzimwe zvikamu zvekukura. Iyo flip nechokuita kweizvi, hongu, iyo iyo nguva pfupi yezvisungo mari haibatanidzi mu-bond-market kumucheto kusvika pamwero wakafanana nemari yakareba kwenguva.
Usakanganwa kuti havasi mari yechinguva pfupi yezvisungo yakasikwa yakaenzana.
Vamwe vanoita mari yekuchengetedza nekodzero yakawanda yekweretheni, yakadai sehuwandu hwezvakabereka , asi vamwe vanogona kutsvaga kugadzirisa nzvimbo yakaderera yekutengesa kuburikidza nekupinda muzvikwereti zvakanyanya. Usati watenga chikwereti, iva nechokwadi chekutarisa kuchinja kwaro kwezuva nezuva kune vezera rako. Kana zviratidzo zviri pamusoro-kuenzanisa nekushaya simba, izvo zvinoratidza kuti zvingasazopa kuchengetedzwa kunowanzobatanidzwa nekanguva yenguva yezvisungo zvemari.
Chimwe chikonzero ndechokuti mari iyi, zvichienderana nenzvimbo yayo pamagumo ekupedzisira ematambudziko-uye-return spectrum, inopa zvibereko zvishoma. (Ramba uchifunga mupfungwa dzako, pangozi uye kubereka zvinowanzoenda-mukati- mutsva mumusika wezvisungo). Muzviitiko zvizhinji, zvibereko zvinogona kunge zvisingakwanisi kukunda zvinokonzerwa nekuderera . Zvisinei, zvibereko zvakaderera ndiwo mutengo uyo vatengi vanofanira kubhadhara kuti vawane hukuru hwekuchengeteka.
Mari Yenguva Yenguva Yenguva Pfupi neMari Mari Mari
Nguva dzenguva pfupi zvisungo zvinowanzoonekwa sokuti danho rinotevera kumusoro kweruzhinji kubva mumari yemari yemari. Kunyange zvazvo mari shoma yenguva yezvisungo ine mari inowanikwa zvishoma nezvishoma, kuve nemari yemari yemari kunoramba yakagadzikana, $ 1 mutengo wemari. Mukutsinhanisa nehuwandu hwakanyanya, mari shoma yenguva yezvisungo inopa zvikwereti zvakakwirira kudarika mari yemari yemari.
Nokuda kwechikonzero ichi, mari shoma yenguva pfupi inogona kuva sarudzo kune avo vane nguva shoma yekutsvaga kwekutsvaga (makore maviri kusvika matatu) inovabvumira kutora dambudziko rakaderera mukutsinhana kwekukohwa kwepamusoro.
Zvikonzero Zvokufunga Mari Yenguva Yenguva Pfupi
Nguva shoma yenguva yezvisungo mari haisi kuzoita kuti munhu upfumi. Zvisinei, vanogona kushanda zvinangwa zvakawanda:
- Sezvakataurwa pamusoro apa, vanogona kuita sendimwe nzira dzakasiyana-siyana izvo zvisiri izvo zvisingabatsiri munzira yekukohwa.
- Inogona kushandiswa se "nzvimbo yekupaka" yemari inenge isingadiwi kune imwe makore maviri kusvika matatu.
- Vanopa vashandi vanove nehanya nekwanisika mari yekutakura muzvisungo pamwe nenzira yekugara yakasimwa mumusika wezvisungo asi kuti iite saizvozvo nehuwandu hwemungozi.
- Kushanda kwenguva pfupi zvakasimbiswa zvine nhoroondo yakasimba yekupa huwandu huri nani hwekudzoka mukutsinhanisa mhondi yevarindi kune yakasungwa kwenguva refu.
- Havana kunyanya kufunga nezvekukwira kwemazana ekuwedzera kwepakati pepakati-uye-kwenguva refu-zvisungo.
- Mari shoma yenguva shoma inoshandiswa mvura, zvinoreva kuti vanopa vatengesi nyore kuwana mari yavo.
Mari Yenguva Pfupi Yenguva Yechikwata: Historical Returns
Kubva musi waAugust 31, 2013, chikamu cheBlackstar-Term-Bond chikamu chaive nemakore matatu, mashanu, mashanu uye gumi-gumi anodzoka gore rimwe nerimwe rezvemari ye 0.32%, 1.73%, 3.18%, uye 3.01%. Ramba uchifunga, izvi zvinodzoka zvinogara zvichinja , uye havatitauri chinhu pamusoro pemigumisiro yemberi yemberi. Kunyange zvakadaro, izvi zvinopa pfungwa yehuwandu hwakakwana hwekudzoka hunoita zvechikamu ichi chemusika.
Nzira Yokugadzirisa Nayo Pfupi Yenguva Pfupi Bond Funds
Vashandi vane zvikwereti zvakawanda zvekutsvaga mune izvi. Nyeredzi inoparadzanisa boka iri mumapoka maviri, Short-Term Bond Funds, uye Short Government. Nhamba yemari iri mumapoka maviri aya, pamwe chete nehutano hwavo hwekare, inogona kuwanika pasina kubhadhara.
Mukuwedzera kune mutengo wemari, vatengesi vanogonawo kutenga nguva shomanana yekushandiswa kwebhadha-yezvekutengeserana mari kana ETFs .
The Bottom Line
Nguva shoma yezvisungo zvehurumende haisi kuzombopa hutano hukuru, asi dzinogona kushanda chinangwa kune vashandi vanoda kuchengetedzwa asi vari kutsvaga nzira yekuwana zvibereko zvakakwirira pane izvo zviripo kune inowanikwa panjodzi dzisina ngozi.
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. Nguva dzose taurirana nemudzidzisi wekutsvaga mari uye muteresi wezvemitero usati waita mari.