Vanguard Total Bond Market Index Funds

BND neVBMFX?

Dzimwe nguva mazita emari pamwe chete uye ETFs zvinogona kutsausa, uye neVanguard "mari yose yekutengeserana" mari, ndizvo chaizvo. Nepo Vanguard Total World Nhamba ye ETF (VT) zvechokwadi inopa huwandu hwakazara huwandu hwakazara hwehutano hwepasi rose - kuisa mari kumativi ose geographies uye misika yemari yemakethe - Vanguard Total Bond Market ETF (BND) pamwe chete nemari pamwe chete, Vanguard Total Bond Market Index Fund (VBMFX) uye Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX) , inongogadzirisa chikamu chebato rezvisungo .

Chikonzero icho mari iyi inokundikana kutora upamhi hwose hwemisika yezvisungo ndeyokuti yakanyorerwa kuBarclays Aggregate Bond Index. Iri rondedzero rinongoratidzira chikamu chemuzinda, chikwereti- gorosi yemusika, kusanganisira US Treasury , Agency inoshandiswa -inotsigirwa kuchengetedzwa , uye zvisungo zvehurumende . Panguva imwecheteyo, urongwa hwemakakatani emakakatani ayo index haufaniri kusanganisira yakakura kwenguva refu. Pachirongwa chemukati, mari yacho haina kupa pachena kuHurumende yeZvivimbiso Zvakachengetedzwa Zvidziviriro (TIPS), masangano emumatare, zvikwereti zvakakura zvezvibereko , kana zvikwereti zvakakura . Iko mari yacho hainawo kutarisana nezvisungo zvepasi pose , zvichive mumakambani akabudirira kana kubuda.

Izvi hazvirevi chinetso sezvo varairi vemazhinji vanoda zvipingamupinyi zvakaderera zvinosangana nekubata mumba, kushandiswa-bhizinesi bhizimisi. Zvisinei, vatengesi muzvivako izvi zveVanguard zvakasungirwa mushambadziro zvinodawo kunzwisisa kuti havakwanisi zvakasiyana-siyana maererano ne geographies uye ngozi dzezvinhu uye kuti muzvokwadi, vanongobata chikamu chiduku chezvinofanira kuonekwa zvechokwadi se "musungo wekutengeserana. "

Chimwe chikonzero nei izvi zvakakosha kuongorora ndezvokuti mhando dzechengetedzwa dzakachengetwa muBarclays Akabatanidzwa Index dzinowanzova nepamusoro-kuvharidzirwa kwekunzwisisika kune huwandu hwekufambisa. Izvi zvinoreva kuti kana bvumo inobereka ( uye mitengo inowira ), kukosha kwemari iyi kuchaitawo - kukosha kunofungidzirwa kana zvingazoitika mune ramangwana-kuwedzera kwehuwandu neUnited States Reserve Reserve zvechokwadi inokonzera kuti mushamba wehutano uwedzere mumakore anotevera , sezvakawanda nyanzvi dziri kufanotaura.

Iko kusungirirwa mune zvekuda-kutengesa zvakachengeteka kunoreva zvakare kuti BND, VBMFX, uye VBTLX kusanzwisiswa kune imwe nzvimbo yemusika inowanikwa ne " credit risk " -kukwirira kwezvikwereti uye zvikwereti. Dzimwe nguva, izvi zvinogona kuva zvakanaka-uye zvechokwadi ndezvenguva apo zviitiko zvinokonzera vatengesi kukura mungozi-kumira uye kutsvaka kuchengetedzwa kwehukama hwezvinhu zvishoma. Panguva imwe chete, zvisinei, zvinoreva kuti vashandi havangabatanidzi pavanovandudza hupfumi hwehupfumi, kuwedzera kwekutengeswa kwemari, uye mafungiro akanaka zvinokonzera zvikwereti zvinokonzera chikwereti kuti zvive zvakanyanya kudyidzana nehuwandu hwekutsvaga mari-sezvakaitika muna 2013.

Uyewo, dzakawanda zvezvikamu zvisingabatanidzi mumari ndeaya anowanzopa huwandu hwekudzoka kwepamusoro pane nguva. Izvi zvinoreva kuti avo vanoga chete musungo wekubatanidza mari yekutengeserana mari vanogona kuzvibhadharira mamwe maitiro - nhau iyo inonyanya kukosha kuvashambadzi vechidiki .

Kutora kuno hakusi kuti Vanguard Total Bond Market Index mari yakaipa. Zvimwe zvinopesana: ndeye nzira dzisingadhura , dzisingabatsiri kune vanoita mari kuti vawedzere zvisungo kumapatotipu avo. Panguva imwe chete, zvisinei, musarega "chizere" muzita racho benzi iwe. Kuti uwane chokwadi, huwandu hwehutengesi hwekubatana, unoda kuwedzera chikwereti ichi nemimwe michina kuti ugove pasi pepodfolio yako.

Nokufamba kwenguva, chido ichi chinogona kukura nekuda kwekukura kwekukweretwa kwemakwereti akakura uye mhirizhonga yemabhizimisi ehurumende. Chengetedza pfungwa idzi mupfungwa kana uri kufunga nezveVanguard mari sechitamba chekutanga kuwedzera zvisungo zvepodfolio yako.

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.