Qhubeka ukhumbule, nangona kunjalo, ukuba le mali ayinakwenzeka ukuba inikele ngokubanzi endleleni yokuvelisa.
Yisiphi iFund Bond Bond Yesikhashana?
Isikhwama sesigxina sexesha elifutshane i-fund efaka imali kwiimbopheleleko kunye nezikolo ezingaphantsi kweminyaka emihlanu. Nayiphi na into inokukhupha ityala lexeshana elifutshane, kubandakanywa oorhulumente, iinkampani zilinganise ibakala lotyalo-mali, kwaye iinkampani zilinganiswe ngezantsi kwibakala lotyalo-mali .
Umngcipheko kunye nokuvelisa
Izibophelelo zexesha elifutshane kuloluhlu zivame ukuba nomngcipheko wezinga lomncinci ongaphantsi kunobungozi obuphakathi okanye obude bexesha elide , ngoko banokubamba ngcono xa imeko yeemarike ingekho. Hlalani nikhumbule, nangona kunjalo, ukuba unokulahlekelwa inqununu kwikhwama yexeshana elifutshane.
Nasi umzekelo. Kwikota yesibini ka-2013, umzekelo, i-market yebhanki eyenziwa kakubi kakhulu. Ngelo xesha, iVanguard yeThuba elifutshane elifutshane le-ETF (BSV) lawa -0.77%, kodwa likhulu kakhulu ukubuyisela -4.11% ukubuya kweVanguard kwi-Term Bond ETF (BIV) kunye ne -5.94% yokubuya kweVanguard kwixesha elide le-ETF (BLV).
Oku kunceda kubonisa ukuba ngoxa iibhondi zexesha elifutshane zawa, ilahleko zazo zazingqinelana ngokuthelekiswa namanye amacandelo okukhula. Icala le-flip le, ngokuqinisekileyo, kukuba loo mali yebhanki yexesha elifutshane ayinathathi inxaxheba kwi-bond-market atside to equal extent.
Ungakulibali ukuba akuzona zonke iifowuni zexeshana ezifutshane ezidityanisiweyo ezenziwe zilinganayo.
Olunye utyalo-mali kwi-securities enobungozi obuphezulu beentengo zemboleko, ezifana nezibophelelo eziphezulu, ngelixa abanye bangase bafune ukucima iindawo eziphantsi kokuvelisa ngokufikelela kwiindawo ezinobungozi obuphezulu. Ngaphambi kokuthenga i-fund, qiniseka ukuba ukhangele ukutshintsha kwayo kwansuku zonke malunga neontanga. Ukuba iimbonakalo ezingaphezulu kwe-average-volatility, oko kubonisa ukuba akuyi kunika ukhuseleko oluhambelana neengxowa-mali zexeshana ezifutshane.
Olunye uqikelelo kukuba le mali, ngenxa yeendawo ezikuyo ekupheleni komngcipheko we-risk-and-return return spectrum, inika isivuno esincinci. (Gcina ingqalelo, umngcipheko kwaye uvelise ngokuqhelekileyo uhamba ngesandla ngaphakathi kwiimarike ezibophekileyo). Kwiimeko ezininzi, izivuno zingenakwanela ukunqoba umphumo wokunyuka kwamaxabiso . Nangona kunjalo, isivuno esincinci yintengo abafaki-mali kufuneka bahlawule ukufikelela kwizinga eliphezulu lokhuseleko.
Iifowuni zeBond zeThuba elifutshane kunye neeMali zeMali zeMali
Iibhondi zexeshana zifutshane zibhekwa njengenyathelo elilandelayo kwinqanaba lokubeka ingozi kwimali yemarike yemali. Nangona iimali zebhanki zexesha elifutshane zinexabiso elincinci lokunyuka kwamaxabiso, iimali zeemarike zemali zigcina ixabiso elithile elizinzile, eli-$ 1. Ukutshintshisa umngcipheko ophakamileyo, iifowuni zexesha elifutshane libophelela isivuno esiphezulu kunemali yemarike yemali.
Ngesi sizathu, iifowuni zexesha elifutshane linokukhetha abo bahlala ixesha elide ixesha lokutshala imali (iminyaka emibili ukuya kwimithathu) evumela ukuba bathathe inqanaba elincinci lomngcipheko ngokutshintshela isivuno esiphezulu.
Izizathu zokuqwalasela iifowuni zexesha elifutshane
Iimali zebhondi zexesha elifutshane aziyi kwenza umntu atyebi. Nangona kunjalo, banokukhonza iinjongo eziliqela:
- Njengoko kuphawuliwe ngasentla, banokuthatha enye indlela kwiindlela ezikhethiweyo okwangoku zingenanto nto endleleni.
- Zingasetyenziselwa "indawo yokupaka" ngemali engayi kuyimfuneko kwenye into emibini ukuya kwimithathu.
- Banikezela abatyalo-mali abachaphazelekayo ngemarike yeebhere kwiibhondi kunye nendlela yokuhlala batyalomali kwiimarike ezibophekileyo kodwa ukuba benze njalo ngezinga eliphantsi lomngcipheko.
- Iibhondi zexesha elifutshane zineenkcukacha ezinzulu zembali yokubonelela ngenani elingcono lokubuyisela ngokutshintshisa izigulane zomgcini kunezibophelelo zexesha elide.
- Azincinci ukunyuka kwamanani emali kunokunyuka kwexesha elide kunye nexesha elide.
- Iimali zesikhonkqo-mali ezifutshane zifutshane, zithetha ukuba zinikezela abatyala imali ngokulula kwimali yabo.
Iifom zeBond Bondary-Term: Iimbuyekezo zeMbali
Ngomhla ka-Agasti 31, 2013, i-Bondary Term-Bond yeklasi ye-Morningstar yayinembuyekezo engama-0.32%, i-1.73%, i-3.18% kunye ne-3.01%. Gcina ukhumbule, le ntlawulo ihlala ishintsha , kwaye ayitshiyo nantoni malunga neziphumo ezizayo. Sekunjalo, oku kunika ingcamango yokubuyisela ngokulinganisela ukubuyisela okwenzekayo kweli candelo lemarike.
Indlela yokuTyala imali kwiNgxowa-mali yeeTyhutyana zexeshana
Abatyalomali banokukhethwa kwezinto ezininzi zokutyala kule nkalo. I-Morningstar ihlukanisa iqela kwiindidi ezimbini, iiNgxowa-mali zeTesha ezifutshane, kunye noRhulumente omfutshane. Uluhlu lwemali kulezi zigaba zibini, kunye neentlawulo zabo zembali, zingafumaneka ngaphandle kokubhaliselwa.
Ukongezelela kwiimali zentsebenziswano, abatyali-mali banokuthenga i-short-term exchange-tradeed funds okanye ii-ETF .
Ngaphantsi
Iimali zebhondi zexesha elifutshane azisoze zinikezela ngenzuzo enkulu, kodwa ngokuqinisekileyo ziya kunika injongo kubatyalo-mali abafuna ukukhuselwa kodwa bafuna indlela yokufumana izivuno eziphezulu kunezo zikhoyo kwiindawo zokutshala imali engqongileyo.
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.