Mari yeBond inopa zvakawanda zvakasiyana-siyana mubasa rekutsvaga, asiwo havana zuva rokukura - izvo zvinoreva kuti vatengesi havana chivimbo chokuti vose vavo vakuru vachavepo pane imwe nguva mune ramangwana, sezvinoitika kune mumwe munhu zvisungo.
Vashandi vanogonawo kugadzira " makwande " - kana mutsara wezvisungo nematare akasiyana-siyana - kunze kwevashanu kana kupfuura.
Izvi zvinogonesa mubhadhari kutarisira dambudziko rekuda kwehuwandu uye kuve nechokwadi chekufungidzirwa kunokwana kwemari, uye inobatsira kuderedza dambudziko rekurasikirwa kukuru kunobatanidza nebhadha mari. Zvisinei, nzira iyi inogumawo nehuwandu hwehuwandu hunoita hukuru hwehupfumi.
Target Maturity Funds Bridge the Gap
Iye zvino, vatengesi vanogona kugadzirisa zvose zvezvidikanwi kuburikidza nekutsvaga muzvikwata zvekukura kwehutano kushandiswa-kutengesa mari , kana ETFs. Iyi mari inofanana neTTF dzese, kunze kwezvisungo zvose zvakakura mumwaka iwochete. Sezvo hutano humwe huri kukura, mari inoendesa mari inowanikwa mumari kana mari yakaenzana pane kuidzorera zvakare. Pamazuva ekukurumidza emari, vanogumira kushanda uye kukosha kwavo panguva iyo inodzorerwa kune vagovana. Nenzira iyi, vashandi vanogona kuwana mari, vanova nemari inoshandiswa nyore nyore (inoshandiswa nyore nyore), uye vane zuva rinozivikanwa apo mukuru wavo achadzoserwa (a pamwe chete nevaya vari kuisa chinangwa chavo mupfungwa, sejiji yekubhadhara) .
Mukuwedzera, vanogona kubatsira varimi kuvaka bhizinesi uye vachiri kuchengetedza huwandu hwakawanda hwekusiyana.
Ngozi dzeKutakura Kukura Mari
Mari yekukura yakakosha haisi kunze kwehupenyu hwavo. Havatsvaki kudzorera mari yakafanotarisirwa kuvarimi pamusi wekukura, naizvozvo mukuru wekuti anodzorerwa angave ari pasi pekutsvaga kwepakutanga kana imwe kana zvimwe zvezvisungo zviri pamaposfoliyo zvisipo .
(Iyi njodzi inogona kuderedzwa nekutsvaga mari yekutsvaga mari inoshandiswa chete muzvikwata zvakakwirira kwazvo) Uyewo, mari idzi dzichachinja-shanduka - sezvo chero mari ipi neipi ingadai-kutenga nekutengesa muhupenyu hwehupfumi inoisa mukana wokurasikirwa. Izvo zvishoma kubva musi wekukura, iyo inowedzera kushaya mari iyi. Somugumisiro, vatengesi avo vanoda kuvimbiswa kwakakwana kuti vose vavo mukuru vachadzorerwa vanofanira kutarisa kune imwe nzvimbo, vachibvuma panguva imwechete iyo nguva shoma yezvisungo zvehurumende, inotarisirwa kana kuti zvimwe, inogona kubata mari yezvikwereti nechepasi yakatarwa kudiwa kwezvikwereti.
Kunyatsotarisa kuti mari iyi inoshanda sei inogona kuwanikwa kuburikidza neShares 'nyaya yekudzidza kwayo ya2013 S & P AMT-Free Municipal Bond Series ETF (MUAA), iyo ikozvino yakakura. Ona chidzidzo apa.
Zvibereko zvekutsvaga-nguva yekukura kwemari mari ichachinja, asi kazhinji kutaura, mari inokura kwenguva refu inotakura zvibereko zvakakwirira. Chengetedza mawebsite emakambani anotora kuti awane mari 'ikozvino.
Mari iyo inoshandiswa mari yacho inokwana 0,30% yeShares series, 0,24% yeGuggenheim yehurumende yehutano, uye 0.42% yeGuggenheim yakabereka zvibereko zvakasiyana. Cherechedza zvakare kuti zvidzidzo zvakawanda zvinotsigira kuti munguva yakapfuura mari nepamusoro ekubhadharwa mari inobhadharwa.
Nzira Yokushandisa Mari: Guggenheim BulletShares, iShares uye More
ETFs inogona kutengwa nekugadzira kambani yekwereti. Izvo zvinongororwa zvinokurudzirwa zvakasungwa neEFs zvinotevera:
Municipal Bonds
- iShares 2017 S & P AMT-Free Municipal Bond Series ETF (MUAF)
- iShares 2018 S & P AMT-Free Municipal Bond Series ETF (MUAG)
- iShares 2019 S & P AMT-Free Municipal Bond Series ETF (MUAH)
Corporate Bonds
- Guggenheim BulletShares 2017 Corporate Bond ETF (BSCH)
- Guggenheim BulletShares 2018 Corporate Bond ETF (BSCI)
- Guggenheim BulletShares 2019 Corporate Bond ETF (BSCJ)
- Guggenheim BulletShares 2020 Corporate Bond ETF (BSCK)
- Guggenheim BulletShares 2021 Corporate Bond ETF (BSCL)
- Guggenheim BulletShares 2022 Corporate Bond ETF (BSCM)
- iShares 2016 Investment Grade Bhizimisi rekare-Kwemari Nguva ETF (IBCB)
- iShares 2018 Investment Grade Bhizimisi rezveMari-sheni Nguva ETF (IBCC)
- iShares 2020 Investment Grade Bhizimisi rezveMarikoni Nguva ETF (IBCD)
- iShares 2023 Investment Grade Bhuku rezveMari rezveMari Nguva ETF (IBCE)
- iSharesBond 2016 Corporate Term ETF (IBDA)
- iSharesBond 2018 Corporate Term ETF (IBDB)
- iSharesBond 2020 Corporate Term ETF (IBDC)
- iSharesBond 2023 Corporate Term ETF (IBDD)
Kukurukurira Zvakakwirira Zvikwereti
- Guggenheim BulletShares 2017 High Yield Bond Bond ETF (BSJH)
- Guggenheim BulletShares 2018 High Yield Corporate Bond ETF (BSJI)
- Guggenheim BulletShares 2019 Kubudirira Kwekubatana Kwebato Bumbi ETF (BSJJ)
- Guggenheim BulletShares 2020 Kubudirira Kwekubatana Kwebato Bhuku ETF (BSJK)
Idzi ruzivo rwechirongwa ichi runopiwa nekuda kwekutaurirana chete, uye harifaniri kutorwa sezvipo zvekutsvaga mari. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro. Nguva dzose taura neyemari uye mutero wevateresi usati waita mari.