Sifake iNgxowa-mali yeeNgcaciso eziBhetele zokuThengisa ukusuka kwiVanguard kunye ne-Fidelity
Enyanisweni, ezinye zeenzuzo zotyalo-mali zingabonakalisa ngakumbi ngeemali ezibophelelweyo kunokuba zizalane zabo. Ngokomzekelo, abatyali-zimali abaninzi abafuna imali engenayo bayakufuna ngokuqhelekileyo ukuvelisa izivuno zabo kwiingxowa-mali zabo kunye nokunyuka kweendleko ezihambelanayo kunye neenkcukacha zenkxaso ngokuqinisekileyo zinceda kuloo mzamo.
Olunye uqikelelo oluninzi lwabatyalomali olwenzayo, oko akunjalo ngokwenene, kukuba zonke iikhomputha zengxelo ezifumanekayo zifumaneka kuphela kwi-Vanguard Investments. Nangona iVanguard ngokungathandabuzekiyo iyinkosi yokutyala imali ephantsi, kwaye ezininzi zeengxelo ezixhasayo zezimali zisesigxina seVanguard , kusekho ukukhetha okukhethileyo kwezinye iinkampani zeengxowa-mali, ngokukodwa ezivela kwiVanguard i- Fidelity Investments .
Ngaloo mva, siza kubelana ngemali efanelekileyo yokubambisa imali kwiindidi ezahlukileyo, eziza kubetha zonke iindidi ezigqithisiweyo .
Iimali zeeNkcazo eziPhambili zeMakethe yeBondari yeTyonke
Ukuba ukhangele enye ibhondi efanelekileyo yebhanki, okanye ufuna udityaniselo olubalulekileyo lwepotfoliyo engenayo, iifowuni zeemalike ze-bond bond zikhethileyo. Nazi ezinye ezimbalwa ezilungileyo:
- I-Vanguard Iyonke ye-Bond Market Index (i-VBMFX): Inkxalabo enkulu yebhondi kwihlabathi, i-VBMFX inikezela ngabanikazi abanini-nxaxheba kwi-market yonke yemarike yaseburhulumenteni yase-US, equka ama-bond angama-8,500. Ukwenza oku iVBMFX ithatha i -Index ye-US Aggregate Bond Index . Umlinganiselo weendleko ze-VBMFX yintsika engama-0.16 yeepesenti kwaye ubuncinci bokutshala imali ngu-3,000.
- I-Fidelity Total Bond (FTBFX): Nangona iNgxowa-mali yeFidelity Total Bond inexabiso elincinci lexabiso (iipesenti ezingama-0.45) kune-VBMFX, iindleko ezongeziweyo zifaneleke ngenxa yokuba i-FTBFX imiselwe ngokudala imbuyekezo ephezulu ngonyaka. Ingxowa yenza oku ngokugxininisa ukubamba kwayo (malunga ne-1,300 ngokumalunga ne-8,500-plus kunye ne-VBMFX) kwiibhondi kwi-Aggregate ye-Barclay ekwazi ukuvelisa iimali eziphezulu kunye nezivuno. Oku kwenza kube yingozi kakhulu kunezikhonkco zeekhonkco zemali kodwa kusekho ukukhetha okusemgangathweni oluphezulu kunye nokwenza izuzwana kakhulu. Utyalo-mali obuncinane bokuqala u-FTBFX ngu-$ 2,500.
Iifom zeeNkcazo eziPhambili zeBondary Term-Term
Iimali zebhanki zangexesha elide zenza okulungileyo xa izitya zenzalo ziwela kodwa ukuba ufuna ukufaka isikhwama sebhondi yexesha elide kwipotfoliyo yakho, imali yenkcazo ingaba yinto efanelekileyo. I-Vanguard ne-Fidelity ibuye ibe neminye yemali ephezulu kule candelo:
- I-Vanguard Long-Term Bond Index (VBLTX): Ukuba ufuna ukubonakala ngokubanzi kwiimarike zebhanki zangexesha elide, awuyi kufumana ukukhetha okugqithiseleyo kuneVBLTX. Ingxowa ilandelela i-Bloomberg Barclays I-Index Yoluntu Oludala / iNkcazo yokuLungiswa koLungiso olude lwe-US, olubandakanya iibhondi ezingaphezu kwe-2,000, ezibandakanya malunga nama-60 ekhulwini kwiibhondi zexesha elide kunye nama-40 ekhulwini kwi-bond e-US. Umlinganiselo weendleko uphantsi kwi-0.16 yeepesenti kwaye ubuncinci bokutshala imali ngu-3,000.
- I-Index yeBondary Bond Index (FLBIX) Inokuthembeka: Ukuba ukhangele ukukhutshwa okuphezulu kwiibhondi zeSebe le-US elide, i-FLBIX yenye yezona zikhokelo zengxelo ezilungileyo kakhulu zokwenza umsebenzi. Ingxowa ibonisa imali engama-80 ekhulwini yezinto zayo kwi-Barclays Long Year US Treasury Index. Iibamba zigxininiswe kwaye ziqhelekileyo zijikeleze iibhondi ezingama-50. Umlinganiselo weendleko uphantsi kwi-0.20 yepesenti kwaye ubuncinci bokutshala imali ngu-$ 2,500.
Iifom zeeNkcazo ezigqwesileyo zeBond Besikhashana
Izibophelelo zexesha elifutshane zikhethiweyo ezifanelekileyo kubatyalomali bekhangela umngcipheko osisityenziselwano semarike kunye namaxesha atyalo-mali angaphantsi kweminyaka emithathu.
Iibhondi zexesha elifutshane nazo zinomngcipheko wezinga eliphantsi, oko kuthetha ukuba banokuyisebenzisa ngokucacileyo iingcebiso zokutyalomali xa amaxabiso enyukayo ekhulayo (amanani amabhondi ahamba ngokuthe ngqo kwinqanaba lentlawulo).
- I-Vanguard yeTyard Bond Index Index (VBISX): Ukuba ufuna i-low-cost exposure to a wide selection of bonds-short-bonds, i-VBISX yenye yezona zibophelelo zezona zibophelelo. Iphothifoliyo inamalungu angama-30 eebhondi zenkampani kunye nama-70 ekhulwini amabhondi karhulumente wase-US. Lo mxube unikezela umngcipheko wobungozi kunye nokukhusela okungavelisa izivuno ezingcono kuneemali ezifanayo ezizalisa iipesenti ezili-10 zeempahla kwiibhondi zikaRhulumente. Umlinganiselo weendleko zeVBISX ngowama-0.16 ekhulwini kwaye ubuncinci bokutsalwa kwelokutsha u-$ 3,000.
- I-Fidelity-Short Term Term Bond Index (FSBIX): Njengoko igama libonisa, i-FSBIX igxile kwiibhondi ze-US Treasury. Iphothifoliyo igxininisa ukubamba ukufikelela kuma-80 ekhulwini yeempahla. Izibophelelo ze-Nondyebo ziba nezivuno ezincinci kunezibophelelo zenkampani kodwa umngcipheko wemarike uphantsi. Ngoko ke, ukuba ukhangele ukhuseleko oluthile lwenqununu ngexesha lokubamba ixesha elifutshane, i-FSBIX ingaba yinto ekhethileyo. Umlinganiselo weendleko ngowama-0.19 ekhulwini kwaye ubuncinci bentalo-mali ngu-$ 2,500.
Iifom zeeNkcazo eziPhambili zeBhondi zeSizwe
Ukuba ukhangelelanisa ukudibanisa iibhanki zakho zebhondi ngaphaya kwe-US, ukukhetha ngokufanelekileyo kukusebenzisa i-index index efaka iibhondi zangaphandle.
- I-Vanguard Iyonke ye-International Bond Index (VTIBX): Kuba abatyali-mali abafuna ukuhlukahluka kwiibhanki zangaphandle kunye neengxowa-mali zenkcazo, kukho ukhetho olulodwa kuphela kwaye le ngxowa-mali evela kwiVanguard. I-VTIBX ifuna ukulandelela ukusebenza kwenkcazo ebandakanya iintlobo ezahlukeneyo zeekhonkco, ukusuka kurhulumente welizwe langaphandle kunye nezibophelelo zentsebenziswano kunye nezibophelelo zenkampani, ikakhulukazi kumazwe athuthukileyo, kodwa nakwezinye iimarike eziphuhliswayo ezincinci kumazwe. Umlinganiselo weendleko ungaphantsi kwe-rock kwi-0.17 yeepesenti kwaye ubuncinci bokuthenga okokuqala ngu-$ 3,000.
Iifom zeeNkcazo eziPhambili zeeNdidi zeBond Alternative
Kukho iindidi ezininzi zeembotyi kodwa zimbalwa ezifumanekayo njengemali yenkcazo kwaye zifanelekile ingqwalasela-zimali zibophelelweyo zerhafu kunye neengxowa-mali ezikhuselweyo zentengo-mali (TIPS). I-Vanguard ne-Fidelity inokukhetha ngaphezulu apha:
- I-Vanguard Tax Exempt Bond Index (VTEBX): Le ngxowa-mali ye-bond index inikezela ngokubanzi ukutyunjwa kwamabhondi kamasipala, okungahlawulwanga kwerhafu kwinqanaba lentlawulo ye-federal. Ezinye izibophelelo zikamasipala nazo zinikeza ngeniso engenayo irhafu kodwa kufuneka ukuba zivela kumazwe kunye noomasipala apho utyalomali othengayo ehlala khona. Nangona kunjalo ukuzinyamekela kwimeko eyodwa kuphela kunciphisa ukuveliswa kwezivuno eziphezulu kunye nokubuya kwexesha elide. Ngako ke i-index ye-bond-tax exemption-exemption fund ifana ne-VTEBX ingaba yinto ekhethileyo. Umlinganiselo weendleko ngu-VTEBX iingu-0.25 zeepesenti kwaye ubuncinci bokuthenga okokuqala ngu-$ 3,000.
- I-Inflation-Protected Bond Index Index (i-FSIQX): Izibambiso ezikhuselweyo zentengo-mali (TIPS) izibhondi zingasebenza njengentambo yokulwa nokunyuka kwamaxabiso kunye ne-FSIQX yenye yeengcebiso ze- TIPS eziphuma phambili. Umlinganiselo wendleko uphantsi kakhulu kwi-0.19 yeepesenti kwaye ubuncinci bokuthenga kuqala ngu-$ 2,500.
Isilumkiso kwiNgxowa-mali yeBond yangaphambi kokuthenga
Iimali zenkcazo yeBond zixhobo zokusebenza ezihlukeneyo kwaye ziyakwazi ukubetha iimali ezilawulwa ngenyameko ngexesha elide. Nangona kunjalo, ekubeni balawulwa ngokunganyanzelwanga, abaphathi beepotfoliyo abakwazi ukuthenga nokuthengisa ii-holdings ngokuqonda kwabo. Xa amaxabiso enzala ekhulayo, oku kungaba yinto engafanelekanga ngoba umphathi weengxowa-mali unyanzelekile ukuba abambe izibophelelo ezinokuthi ziwele kwixabiso elingaphezu kweemali ezifanayo ezilawulwa ngamandla.
Ngamazwi ahlukeneyo, ukuba amanani entengiso ayeza kuwa kwi-cliff, umphathi-mali we-bond index uyanqunyulwa ukuba ahambe phezu kweqhosha, ngelixa umphathi osebenzayo unokuphepha ukuwa.
Ngaloo nto yathi, abaninzi abaphathi beengxowa-mali ze-bond bond baqala ukuqikelela ukunyuka kwamaxabiso enzala, kunye nokuhla kweexabiso kumabhondi, ngo-2010. Izibondanga azizange ziphenduke zize zize zingabikho ngo-2013, kodwa emva koko zatshintsha kakhulu nge-2017. Inkcazo yebond ye-Bond yayiphumelele imali engakumbi kwi-2014 ukuya ku-2016.
Umgca wokugqibela kukuba ngaba ngabaphathi bezemali abaqeqeshiweyo abanakukwazi ukuchaneka nangokuchanekileyo ukuba zeziphi iimarike ezokuzenza kwangaphambili. Yingakho iimali zenkcazo zidla ngokuba yinto engcono kakhulu yotyalo-mali kubanini-mali.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.