BND kunye neVBMFX?
Isizathu sokuba le mali ingaphumeleli ukubamba ububanzi beemarike ezibophelelwe kukuba zikhokhelwe kwi-Index yeBarlaylay Group Bond Index. Esi sahluli siquka kuphela isahlulo sekhaya, isabelo-mali-mali, kuquka iiNondyebo ze-US , i-Arhente- mortgage-backed securities , kunye nezibophelelo zenkampani . Ngelo xesha, uluhlu lwamacandelo eemarike ezingenakulinganiswa nolu xwebhu. Kwicandelo lasekhaya, i-fund ayikuboneleli ngokubhengezwa kwiiNkxaso-mali eziVikelekileyo zeMali ( Protected Securities ), iibhondi zikamasipala, izibophelelo eziphezulu , okanye iimali-mboleko eziphezulu . Le ngxowa-mali ayinakuze ifikeleleke kwiibhanki zamazwe ngamazwe , okanye iimarike eziphuhlisiweyo okanye ezikhulayo.
Oku akunjalo ukuba yingxaki kuba abatyali-mali abaninzi bafuna ingozi ephantsi echaphazelekayo nokubambisa iibhondi zasekhaya zangaphandle. Nangona kunjalo, abatyali-mali kule mali ye-Vanguard yeemali zentengiso yemali-mveliso nabo kufuneka baqonde ukuba abahluki ngokupheleleyo ngokubhekiselele kwiindawo zokuhlala kunye neengozi kwaye ngokwenene, babambe iqhezu elincinci lento ekufanele ukuba ithathelwe ingqalelo "kwi-market bond bond. "U
Esinye isizathu sokuba oku kubaluleke ukuba iindidi zee-securities ezibanjelwe kwi-Index ye-Barclays Index zivame ukuba neentlupheko ezingaphezulu kwe-average kwizinga lokunyuka kwamanani. Oku kuthetha ukuba xa ibhondi ivelisa ukunyuka ( kunye namaxabiso awela ), ukubaluleka kwezi mali kuya kubaluleke kakhulu-ukuba kubalulekile ukuba ingqalelo ukuba i- interest rate ye-future federation yi- US Federal Reserve inokubangela ukuba i-market bond ibambe buthathaka kwiminyaka ezayo , ezininzi iingcali ziqikelela.
Ukugxininisa kwinqanaba le-intanethi elithintekayo lithetha ukuba i-BND, iVBMFX, kunye ne-VBTLX yokungabikho kwiindawo zemarike ezichaphazelekayo " ngengozi yemali-mboleko " - izibophelelo eziphezulu kunye nokubolekwa kwemali mboleko. Ngamanye amaxesha, oku kunokuba yinto enhle-kwaye ngokuqinisekileyo ngexesha lexesha apho iziganeko zenza ukuba abatyali-mali bahlome umngcipheko-mngcipheko kwaye bafune ukhuseleko oluhambelana nolondolozo oluphantsi. Ngaloo nto, ke, oko kuthetha ukuba abatyali-mali abayi kuthatha inxaxheba xa kuphuhliswa ukukhula koqoqosho, ukunyuka kwamanani emigangatho kunye nokuvakalelwa kwimiba eyenza ukuba iikarhulumente ezixhaswe ngetyala zikhuphe izibhanki-mali-njengokuba kunjalo ngo-2013.
Kwakhona, amaninzi amacandelo awafakiwe kwiimali ngabo bathambekele ekuboneleleni ngokuphindaphindiweyo ukubuyisela ixesha elihle. Oku kuthetha ukuba abo abaneengxowa-mali zentengo yeemali zentengo yeentengo zorhwebo banokuzibiza ngeyona ntsebenzo-into enokukhathazeka ngokukodwa kubatyalomali abatsha .
Ikhefu lokubanjwa apha akusiyo ukuba i-Vanguard Total Bond Market Index iifowuni yinto engalunganga. Ngokuphambene noko: bangabonakali kakhulu , indlela engaphantsi kwenzalo kubafakeli-mali ukuba bafake izibophelelo kwiiphothifoliyo zabo. Ngaloo xesha, ke, ungavumeli "inani" elibizwa ngegama lakho lilize. Ukuze ufumane ukunyaniseka, ukunyuka kweemarike ezithengiswayo, kufuneka ufumane le ngxowa-mali kunye neminye imikhiqizo ukuze ujikeleze iphothifoliyo yakho.
Ngokuhamba kwexesha, le mfuno iya kukhula ngenxa yobukhulu benkxaso yemboleko ephezulu kunye neemarike zenkampani zomhlaba. Gcina ezi ngongoma xa ucinga ngeengxowa-mali zeVanguard njengesinyathelo sokuqala sokongeza izibophelelo kwipotfoliyo yakho.
Ukuziphendulela : Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lithathwe njengengcebiso-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso. Soloko ubonisana nomcebisi-mali kunye neengcali zerhafu ngaphambi kokuba utyale.