Amasheya kunye neeBond, ukuSebenza konyaka weKhalenda

Ukufumana umvuzo wonyaka-ntlawulo kwiingqungquthela ezinkulu kunokuba ngumsebenzi onzima, ngoko abatyali-mali kufuneka bafumane le tafile elandelayo iluncedo. Ikholam ekhohlo ibonisa ukubuya kwe- Barclays US Aggregate Bond Index (eyaziwa ngokuba yiLehman US Aggregate Bond Index ngaphambi kokuwa kweLehman Brothers). Isalathisi silinganisa ukusebenza kweebhondi zebhanki kwi-United States. Ngokutsho kweBabson Capital, ngo-Febhuwari 2011, iNkcazo yayiqulethe "imiba engama-8 200 engeniso engenayo kwaye ixabiswa nge-$ 15 triliyoni, emele 43% yemarike ye-bond yase-US.

Inkcazo ngoku iquka i- US Treasury , imiba enxulumene noorhulumente, iibhondi zenkampani , i-agency-backed-backed-backs, i -securities-backed securities , kunye ne -securities-backed-backed securities . "I-Index ye-S & P 500 inokulinganisa ukusebenza kweenkampani ezinamakhulu ama-500 imasheya yaseStock.

Fumana oku ngakumbi malunga nendlela iifotyi kunye nezibophelelo zithatha ngayo ixesha elide.

Itheyibhile engezantsi ibonisa ukubuya kwezimbonakaliso ezimbini ngonyaka ngeminyaka yekhalenda engu-34 phakathi ko-1980-2013, ilandelwa ngamanani amaninzi ngamnye.

Unyaka Barclays Agg. S & P 500 Uhluko
1980 2.71% 32.50% -29.79%
1981 6.26% -4.92% + 11.18%
1982 32.65% 21.55% + 11.10%
1983 8.19% 22.56% -14.37%
1984 15.15% 6.27% + 8.88%
1985 22.13% 31.73% -9.60%
1986 15.30% 18.67% -3.37%
1987 2.75% 5.25% -2.50%
1988 7.89% 16.61% -8.72%
1989 14.53% 31.69% -17.16%
1990 8.96% -3.11% + 12.07%
1991 16.00% 30.47% -14.47%
1992 7.40% 7.62% -0.22%
1993 9.75% 10.08% -0.33%
1994 -2.92% 1.32% -4.34%
1995 18.46% 37.58% -19.12%
1996 3.64% 22.96% -19.32%
1997 9.64% 33.36% -23.72%
1998 8.70% 28.58% -19.88%
1999 -0.82% 21.04% -21.86%
2000 11.63% -9.11% + 20.74%
2001 8.43% -11.89% + 20.32%
2002 10.26% -22.10% + 32.36%
2003 4.10% 28.68% -24.58%
2004 4.34% 10.88% -6.54%
2005 2.43% 4.91% -2.48%
2006 4.33% 15.79% -11.46%
2007 6.97% 5.49% + 1.48%
2008 5.24% -37.00% + 42.24%
2009 5.93% 26.46% -20.53%
2010 6.54% 15.06% -8.52%
2011 7.84% 2.11% + 5.73%
2012 4.22% 16.00% -11.78%
2013 -2.02% 32.39% -34.31%

I-Barclays Uhlu lweeNkcukacha

Iminyaka Efanelekileyo: 31 ye-34

Ukubuya okuphezulu: 32.65%, 1982

Ukubuyisa okuphantsi kakhulu: -2.92%, 1994

Umyinge wonyaka wonyaka (1980-2013): 8.42%

( Qaphela: oku kufumaneke ukufumana inzuzo, kungekhona ukubuyiswa kwenani elipheleleyo ngonyaka ).

I-S & P 500 Izibalo

Iminyaka Efanelekileyo: 28 kwi-34

Ukubuya okuphezulu kakhulu: 37.58%, 1995

Ukubuyiswa okuphantsi kakhulu: -37.00%, 2008

Umyinge we-Annual Gain: 13.92%

Izibalo ezifanisa:

Iminyaka yeeBond ezingapheliyo: 10 kwe-34

Iimali zeMali eziPhezulu kunazo zonke zokuPhumela koMgangatho: 42.24%, 2008

Iimali zeMali eziPhezulu kunazo zonke zokungaphumeleli: -34.31%, 2013

Ukwaba njani ulwabiwo lwe-50-50 phakathi kwamaNdiya amabini?

Iminyaka emihle: 30 kwi-34

Ukubuya okuphezulu kakhulu: 28.02%, 1995

I-Returnest Lowest: -15.88%, 2008 (Abanye beyi-2002 (-5.92%), 2001 (-1.73), no-1994 (-0.80%)

Umyinge we-Annual Gain: 11.17%

Oku kubonisa ukuba abatyali-mali babeyekezela malunga ne-20% yentlawulo yeempahla kunye ne-50-50 yokwahlukana, kodwa iipotifoliyo ezidibanisene nazo zaziba neengcipheko eziphantsi.

Ukubuyisela idatha, 1928-2013

Emva kokuba isampuli ikhulisiwe, i-gap yentsebenzo iyanda. I-Federal Reserve Bank yaseSt. Louis iye yalinganisa ukubuyiswa kweempahla, ii-bhulo-mali kunye ne-10-year-bond bonds kusukela ngowe-1928. Qaphela ukuba ezi zimela utyalo-mali olwahlukileyo kunokuba zichazwe ngasentla kuba kungekho i-S & P 500 okanye i-Barclays. . Iinqwelo zentathu eziphambili zi: