Dzivisa Izvozvi Bond Mutual Funds Kana Fed inokurudzira Mitengo Inofanirwa
Asi Kutanga Mazita Mashomanana Pamusoro WeNharaunda Yengozi
Mitengo yeBond nemari yemitengo yakafanana nemigumo miviri inopesana yeyeta-totter: Kana rumwe rutivi ruchibuda, rumwe rutivi runowira.
Saka kana zvikwereti zvinowedzera, hutengo hwehutano huri kuwira uye apo huwandu hwezvikwereti huchiwa, hutengo hwehutano huri kuwedzera. Saka nguva yakanakisisa yekuisa mari muzvisungo ndeye apo inhamba yezvibereko inowira nekuti mutengo (kana kukosha) kwehutano hwako huri kuwedzera.
Izvi zvinotora kuderedza mari yekudaidza kutaridzika kwehuwandu hwehuwandu hwehuwandu , iyo ndiyo ngozi yekutengesa kwekutengeswa kwemitengo nekuda kwekusimudzirwa kwezvikwereti.
Heino chikonzero chibatanisi chemabhadharo chinowira apo zvikwereti zvinowedzera. Chimbofungidzira iwe uri kufunga nezvokutenga bhizimisi yega (kwete chikwata chekutengeserana). Kana zvibvumirano zvemazuva ano zvichibhadhara zvikwereti zvinodarika zviyero kupfuura zvisungo zvezuro, iwe pachako unoda kutenga zvikwereti zvepamusoro-zvekubhadhara zvinowanikwa nhasi kuitira kuti ugone kuwana zvikwereti zvakakwirira (kukohwa kwakanyanya kana kufarira).
Zvisinei, iwe unogona kufunga kubhadhara mari yepamusoro yekubhadhara inofanirwa yezuro zvoga kana mupi akada kukupai iko kunotswa (mutengo wakaderera) kutenga bhandi.
Sezvaunogona kufungidzira, kana huwandu hwezvikwereti zvinowedzera, matengo ezvisungo zvekare anowira nekuti vatengi vachatsvaka zvikwereti kune zvekare (uye pasi) kubhadhara mari. Nokuda kweizvi chibvumirano chekutengeserana kunoendesa kune zvakatarisana nechinangwa chekuda mari uye bhadha mari yekutengeserana inofanirwa nehuwandu hwezvibereko
Yakaipisisa Bond Fund Mhando dzeRising Interest Rates
Izvo zvisungo zvingaita sei nezvikwereti zvinogona kuyerwa nehuwandu hwavo-mutengo senzwi. Kazhinji, iyo yakareba nguva yehutano, hukuru hwekunzwa. Saka mari yakareba kwenguva refu yezvisungo ndeimwe yemhando dzakawanda dzemari yekusimudzira chibereko.
Kana zvikwereti zvinowedzera, ndiani anoda kuva nezvisungo zvinopa chikwereti chiduku kunyange kwenguva yakareba kwenguva?
Muenzaniso wakajeka pano uri neZitifiketi zveDhipatimendi (CDs) . Apo maCD matsva anobuda ane zvibereko zvakakwirira, mutengesi weDCD anoda kutora nzvimbo yekare neyo itsva. Mukuwedzera, mutengesi weCD waA savvy achatenga maCD nemafuta mashoma (kureva gore rimwe chete kana kuti pasi) kana vakatarisira mutengo wokuramba uchikwira mugore rinotevera. Nenzira iyo vanogona kuramba vachivandudza pamatunhu akakwirira. Bond inodyara mukusimudzirwa kwekuda kwemazingira inotevera chirevo chakafanana.
Zvichida mari yehurumende inoratidzika nekunaka kwekunzwa kusvika kune chikwata ichi inenge zero-coupon bond funds . Nemhaka yekuti zero-coupon zvisungo hazvibhadhara chikwereti uye kukosha kwazvo zvichienderana nekukura, mutengo wavo unonyanya kunzwisiswa nezvibereko. Nokudaro, kwete chete kuwedzera kwekuda kwekuderedza nzvimbo yakaipa yezvisungo, zvakanyanya kuipa kune zero-coupon bond funds.
Zvinonzwisisika: Mashoko ari pawebsite ino anopa mazano ekukurukurirana chete, uye haafaniri kushandiswa zvisina kunaka sekutsvaga mazano. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.