Zvinokosha Mazano Asati Aita
Muchikamu chino, tichatarisa chikwereti chechikwata zvakanyatsotsanangurwa uye kuziva zvimwe zvekukosha kwevatengesi vemarudzi ose.
Mhedziso Yfupi
Sangano reTempleton Global Bond Fund rinoshandisa kusanganiswa kwehuwandu uye kuenzanisa nekuenzanisa pamwe ne-in-pasi-tsvakurudzo yekuona mikana yekutsvaga kwepasi rose. Dare racho rinotarisa kuitisa zvakadzama munyika kuongorora kusanzwisisika kwezvematongerwo enyika zvichiita kuti vawane mikana mune mari, mari yezvikwereti, uye chikwereti chepamusoro , asi vachiramba vachiongorora dambudziko uye kushanduka kwekutarisa sezvinoitika pasi rose rezvemari uye chikwereti.
Iko mari inoshandiswa mari shoma ye $ 1 000 ine madhora madhora makumi mana emadhora emari pasi pekutungamira, sekunge pakati pe 2017. Mambakwedza inotarisa chikwereti chemari yehurumende sechine nguva shomanana - zvinoreva kuderera kwechikwata chekutengesa kune imwe mari - nechepasi-kusvika kune zvakasungirirwa zvisungo - izvo zvinofanira kutarisirwa nehurumende dzakawanda dzenyika.
Mukutaura kwehutano hunoshandiswa huripo, chikwereti chakaramba chichiwedzera maitiro ayo nematambudziko akafanana.
Izvo zvinotevera zvinoshandiswa kune vashandi mune mutual fund:
| Mari Inodhura Zvikuru | 0.96 muzana |
| Net Expense Ratio | 0.93 muzana |
| Max Initial Sales Charge | 4.25 muzana |
| CDSC | 0.00 muzana |
| 12b-1 Mutengo | 0.25 muzana |
* Kubva munaJanuary 2017 (inovandudzwa gore negore).
Maererano neAmastare, mari iyi iri pasi pevhareji yemari yakaenzana uye ine mwero 23% inotengeserana inobatsira kuderedza mari dzebhizimisi dzekutengesa dzinogona kudya. Nhamba dzakawanda dzekushandirana kwehutano pasi rese -mari yekutengeserana (ETFs) inogona kupa zviyero zvishoma zvekubhadhara mari - zviyero zvinenge zvoga kusvika 0,20 muzana - asi vatengi havana ruzivo rwechikwata chevanhu vane ruzivo rwakafanana. Vashandi vanofanirwa kutora mari idzi, zvisinei, pavanosarudza pakati pekutsvaga mari.
Kubatsirwa uye Njodzi
Sangano reTempleton Global Bond Fund raive rakapoteredza kubva muna 1986 rine nheyo yakasimba pakunosvika pakuitwa uye Morningstar ratings.
Kubatsirwa kwekutsvaga mari muchikwama kunosanganisira:
- Diversification . Iko mari yezvikwata zvakasiyana-siyana inosanganisira nzvimbo dzinopfuura 150 dzakasiyana munyika yose. Kunyange zvazvo izvi zvigaro zvichange zvichinyanya kubuda, mari yacho yaive ne40 kubva muzana kuAmerica, 25 kubva muzana kusvika kuAsia, 4 kubva muzana kusvika kuEurope, kusvika pakati pa20177, uye 70 muzana inotengeswa mumari yakasarudzwa uye 30 muzana inowanikwa mune mari.
- Experienced Management . Mari iyi inotungamirirwa naMichael Hasenstab kubva muna 2001 uye yakatsigirwa neboka guru revanotsvakurudza vari pasi pose. Iko kukwanisa kwechikwata kukwanisa kubvisa chikwangwani chekucherechedza zvinyorwa panguva yekuchengetedza dambudziko kumusana wepakati pezvisikwa kunovadzanisa kubva kune mamwe akawanda mazvikwata munzvimbo.
- Nguva Yakawandisa Nguva . Iyo nguva yenguva yemari inowedzera kushoma, izvo zvinoreva kuti mari yacho inogona kunge isina chikwereti chakawandisa chekutengesa kudarika kuenzaniswa kwemari yezvisungo. Izvi zvinogona kuita kuti zvive zvakakosha zvakasara zvekutsvaga mari kunyange kunyange mabhandi makuru ari kuwedzera mashizha.
Ngozi dzekutsvaga mari muhomwe dzinosanganisira:
- Fixed Income Risks . Mari dzakawanda dzakasarudzwa dzekuwana mari dzinotarisirwa nezvikwereti zvinotarisirwa nemabhanki makuru. Mukuwedzera, mari yakagadziriswa inowanzova isina mvura kudarika kuenzanisa munguva dzehupfumi hwehupfumi, iyo inogona kuva nemigumisiro yakaipisisa muhomwe.
- Zvematongerwe Enyika . Changamire yekutengesa chikwereti inokonzera njodzi huru kune hutano hwemhuri kubvira pavanenge vari pasi pehuwandu hwezvematongerwo enyika . Semuenzaniso, nyika inogona kusarudza kusabhadhara zvikwereti zvayo uye kutadza pane chikwereti chayo nekuda kwezvinhu zvisiri kunze kwekudzivirira kwavo.
- Nharaunda Yehuwandu Ngozi . Nhamba dzechido chave chiri pedyo nerekodhi inosvika munyika yose yakagadziriswa mushure mekutambudzika kwemari muna 2008. Kuwedzera kwechibereko chikwata - sezvakave zvakadaro muUnited States muna 2017 - zvinogona kuderedza mitengo yezvisungo muhomwe.
Zvimwe Zvimwe Zvingafanira Kufungisisa
Kune zvakawanda zvakasiyana-siyana zvepabonde mari pamwe chete neEFs. Mambakwedza inonyora zvinopfuura 300 zvakasiyana zvakasiyana-siyana zve Global Bond mutual funds, uye ETFdb.com inonyora anenge 20 ETFs inosangana nemitemo yakafanana.
Zvimwe zvinozivikanwa pasi rose zveEFs zvinosanganisira:
- RiverFront Strategic Income Fund (RIGS)
- FlexShares Yakagadzirira Kugona Variable Income Fund (RAVI)
- PowerShares Global Short-Term High Chikwama Chikwama Chekugadzirisa Chikamu (PGHY)
- SPDR Barclays International Treasury Bond ETF (BWX)
- iShares International Treasury ETF (IGOV)
Zvimwe zvinowanikwa pasi rose zvinosanganisira mari:
- PIMCO Foreign Bond Fund (PFOAX)
- Payden Global Fixed Income Fund (PYGFX)
- Consulting Group International Fixed Income Fund (TIFUX)
- SEI International Fixed Income Fund (SEFIX)
- DFA 5-Yr Global Fixed Revenue Portfolio (DFGBX)
The Bottom Line
IThe Templeton Global Bond Fund ndeimwe yevanhu vanozivikanwa munyika dzakawanda dzakagadziriswa mari pamwe chete munyika. Nekishanu-nyeredzi yakatarwa kubva kuMatstarstar uye nhoroondo yekudzokorora kwekudzoka, varairi vepasi rose vanofanira kunyatsotarisa chikwereti sechinhu chakasarudzwa chemari yepodfolio yavo. Zvisinei, vanofanirwawo kufunga nezvekubhadhara kunosanganiswa nehomwe yezvikwata uye izvo zvinokonzera njodzi zvinokonzerwa neklasi yeasset.