Iimali eziphezulu eziphezulu zeeNgxowa-mali zokuThengisa

Ezi Bond Mutual Funds Ziyi-Top Choices kwi-High-Yield Investment

Ukuba ufuna ukwakha iphothifoliyo eyahlukeneyo yemali-mali eyalwayo-mali, uya kufuna iimali ezibolekileyo zokubophelela imali ukuze uzalise iimali zakho zezabelo .

Xa ufuna iimali ezibophelelweyo eziphathekayo, qiniseka ukuba awukhangeli kuphela isivuno esiphezulu. Kukho ezinye iimpawu ekufuneka ziqwalaselwe xa zifuna iimali ezingcono zokuthenga.

Ziziphi izibopho eziphezulu ezizaliswayo?

Eyaziwa nangokuthi iibhondi ezincinci, izibophelelo eziphezulu zezivuno zihlawulela izivuno eziphezulu ngenxa yokulinganiswa kwetyala eziphantsi.

Ngokugqithiseleyo, izibophelelo, okanye iinkampani ezikhupha izibophelelo, zinokulinganiswa kobunjani beebredithi ngaphantsi kwebakala lotyalo-mali (ireyithi engezantsi kweBBB nge-Standard & Poor's okanye ngaphantsi kwe-Baa nge-arga-rating rating). Ikhonkco inokufumana isilinganiselo semali esezantsi ngenxa yengozi yokungagqibekanga kwiqumrhu elikhupha isibophelelo.

Ngenxa yoko, ngenxa yolu mngcipheko olusenyongweni, amashishini anikezela ezi zibophelelo aya kubhatala amazinga amanqanaba aphezulu ekuhlawuleleni abo batyalo-mali ukuba bathathe umngcipheko wokuthenga izibophelelo.

Cinga ngamanqaku okuthenga ngetyala. Ababoleki abaneengxelo ezibampofu (ezantsi) zihlawula amanqanaba aphezulu emalini-mboleko okanye izilinganiso zekhadi lesikweletu kunabo ababolekayo abanekhredithi ezintle okanye ezifanelekileyo. Ingcamango efanayo kunye neenkonzo ezikhupha izibophelelo, ezinokuba ziinkampani, izibonelelo ezisesekwa esidlangalaleni, kunye noorhulumente, basekhaya kunye nabasemagunyeni.

Indlela yokukhetha indlela ephezulu yokuThengisa iMali yokuThengiswa kweBond

Ngaphambi kokuthenga i-bond-bond bond bond, okanye nayiphi na enye imali-mali, kukho izinto ezimbalwa zokwenza ngexesha lophando nohlalutyo.

Nazi ezinye zeengongoma eziphambili okanye iikhrayitheriya zokukhetha imali ephezulu kakhulu yokubophelela ngemali:

• Uhlobo lwe-Akhawunti: Ukuba i-fund iya kubanjwa kwi-akhawunti ehlawulwayo, unokufuna ukucinga ngokuthenga i-fund ye-bond bond ephezulu, ezovelisa inzuzo engenayo irhafu kwinqanaba lentlawulo ye-federal. Imali engenayo engenayo ingqalelo kwiingxelo ezihlawulwe ngerhafu, ezifana ne-IRAs kunye ne-401 (k) ngenxa yokuba ingeniso ayihlawuliswa kutyalomali ngelixa i-fund ye-bond bond ephezulu igcinwe kwi-akhawunti.

• Ikhonkco yeRhafu: Ukuqiniswa nokucacisa ingongoma elandulelayo, imali ye-bond bond ezamahala inzuzo kubasomali kwiibhanki eziphezulu zerhafu, apho ukunciphisa ingeniso ehlawulwayo kubaluleke kakhulu, xa kuthelekiswa nabatyalali kwiibhanki eziphantsi. Ukulinganisa inzuzo yokusebenzisa iibhondi ze-bond bond-free, abatyali-mali bangabalala isivuno esifanayo , ngamanye amaxesha kuthiwa isivuno esisebenzayo.
• Ukukhutshwa kweRhafu-Equivalent YiNtlawulo: Intlawulo elinganayo yentlawulo = inzala yerhafu ÷ (1 - izinga lakho lentlawulo)
• Ukuxhatshazwa kweengozi: Iimali ezibophelelweyo zentengo zinokubuyiswa kwempahla, oku kuthetha ukuba ukusebenza kunokulinganiselwa phezulu kuneemali eziqhotyoshelweyo; nangona kunjalo, ukuncipha kunokuba nzima. Ngokomzekelo, ngowama-2008, unyaka wekhalenda ophezulu weengxaki zemboleko, ubuninzi beemali-mboleko ezivunyenwe kakhulu ziyancipha ama-5 kuya kwe-10 ekhulwini. Ngomnyaka olandelayo, ngo-2009, iimali ezibophelelweyo ezibophelelweyo ziye zazithela i-10 ukuya kuma-20 ekhulwini, ngelixa iimali zentsebenziswano eziqhelekileyo zahlala zizinzileyo kwi-5 ukuya kwi-7 ekhulwini. Eyona nto ibalulekileyo: Ukuba awukho ilungele ukungaxhamli kwixabiso, imali ebolekileyo yokubophelela imali ayikwazi ukukhetha. Ukuqwalaselwa okungcono kunokuba yinkcazo yebhanki yebhanki njenge- Vanguard Total Bond Market Index (VBMFX), elandela i- Bloomberg Barclays ye-US Aggregate Bond Index .

• Ezinye iiPortfolio zePortfolio: Nangona iimali ezibophelelweyo eziphezulu zithengisa kwimarike kuneengxowa-mali eziqhelekileyo, ziyakwazi ukuhambelana kakuhle kunye neepotfoliyo ezahlukahlukeneyo. Ngokomzekelo, ukuba unayo i-index index bond, kunye neengxowa-mali zeempahla, i-fund-bond bond bond ingaba yincomeko enokuthi idibanisa i-portfolio yakho.

Iibhanki zeBond High-Yield Bond

Ekubeni akukho bukhulu bobukhulu-bobukhulu besikhwama-mboleko esiphezulu, siyaqokomisa ukuma kwezinto ezilishumi ezingaba ngongezo olungaphezulu ekunconyeni iphothifoliyo eyahlukeneyo.

Akukho myalelo othile, nantsi iinqununu zethu eziphezulu kwiimali-mboleko eziphezulu ezivunayo:

1. I-Vanguard High-Yield Tax-Exempt (VWAHX): Ukuba ufuna izityalo eziphezulu kwaye ufuna ukunciphisa ingeniso ehlawulwa irhafu ngexabiso eliphantsi, akukho-load mutual fund , i-VWAHX inokuba yinto efanelekileyo yokufuna iimfuno zakho. Iphothifoliyo inamabhondi angaphezu kwama-2,000 kamasipala, angenanto yerhafu kwi-federal level. I- SEC yondla i-VWAHX ingama-2.87 ekhulwini kunye nexabiso leendleko lilinganiselwa kuma-0.19 ekhulwini, okanye i-$ 19 nganye i-$ 10,000 etyalomali. Utyalo-mali obuncinane bokuqala u-3,000. Njengoko kunjalo kunye neengxowa-mali ezininzi ze-Vanguard, unako ukufumana umlinganiselo ophantsi weendleko xa uthengela izabelo ze-Admiral, eziqhelekileyo zineentengo zokutsalwa kwe-50,000.

1. I-Vanguard yexesha elide loTyalo-mali lweBakala Bond (VWESX): Kanye kunye nezivuno eziphezulu, abatyali-mali kufuneka balindele ingozi enkulu yemarike, xa kuthelekiswa ne-bond bond. Nangona kunjalo, i-VWESX inobungakanani obuhle bezityalo eziphezulu kunye nomngcipheko ophantsi othe xa kuthelekiswa neentsimbi ezincinci. Izibophelelo zexesha elide zihlawula izivuno eziphezulu kunezibambiso ezifutshane kunye neziphakathi kunye ne-average risk risk for bonds kwi-VWESX nje nje ngezantsi kwe- grade grade ye-credit grade . Isivuno samanje seVWESX singama-3.57 ekhulwini, iindleko zingama-0.22 ekhulwini, kwaye ubuncinci bokutshala imali ngu-3,000. Ukulumka kwiimali zesikhonkqo-mali ezide-mali: Umngcipheko wezinga lomyinge uphakeme ngaphezu kweemali zebhondi ezibanjelwe izibophelelo zexesha eliphantsi. Ukuguqulelwa: Ixabiso liyakwazi ukuwela kwizinga lokunyuka kwenzala; Nangona kunjalo, ukusebenza kwexesha elide kulindeleke ukuba kuphakame ngaphezu kweemali ezincinci zebhondi.
2. I-T. Rowe Ixabiso leNkxaso yeeNkampani (PRPIX): Enye ingxowa ephezulu yebhondi ehlawulela isivuno esihle ngaphandle kokuthatha ingozi enkulu yemali yi-PRPIX. Kwakhona, ekubeni yingxowa-mboleko yexesha eliphakathi , i-PRPIX ayinayo ingozi enkulu yenzalo njengengxowa-mali yexesha elide. Hlanganisa ezi zimpawu eziphezulu kunye neendleko eziphantsi (iipesenti ezi-0.60) kunye nolawulo oluhlangenwe nakho (ukususela ngo-2003) kwaye unesinye sezona zibophelelo eziphezulu kakhulu zokubophelela. Utyalo-mali obuncinane bokuqala u-PRPIX yi-$ 2,500.
3. Ingeniso ephezulu ye-Fidelity (SPHIX): Ukuba i-priority yeyona nto ibaluleke kakhulu, i-SPHIX yinto enhle. Isivuno samanje se-5.23 ekhulwini siphakathi kwezona zinto zingcono kwiimali zentsebenziswano, kunye nexabiso lentengo ye-0.72 yepesenti ingqiqo; Nangona kunjalo, ikhwalithi yemboleko yemininzi yebhanki ingaphantsi kwebakala lotyalo-mali. Ngoko ke, ukuba ukhangele i-fund ye-junk bond, i-SPHIX ilungele ukubheka. Utyalo-mali obuncinane bokuqala u-$ 2,500.
4. Isixa esifutshane Imali engenayo ephezulu (FSAHX): Abatyalo-mali abafuna isivuno esiphezulu kodwa umngcipheko wezinga lomncinci uya kufuna ukujonga kwi-FSAHX. Ubungakanani bekhredithi ephantsi budala umngcipheko weemarike kodwa i-trade off is isivuno esiphezulu (iipesenti ezi-4.03) kunye nexesha elifutshane eliphakathi elifutshane linciphisa umngcipheko wenani lomyinge, okhankanywe ngokukodwa kwizinga lokunyuka kwenzala. Iindleko ze-FSAHX zingama-0.80 ekhulwini kwaye ubuncinci bokutshala imali ngu-$ 2,500.
5. Ukuthembeka kweNkunzi kunye neNgeniso (FAGIX): Le ngxowa-mali iyingqayizivele kwindawo ephezulu yokuvelisa kangangokuthi ikwaba isabelo sexabiso (malunga neepesenti ezingama-20) kwii-stocks stocks. Oku kufakwa kwii-equity kwandisa ingozi yemarike kodwa ingaba nokusebenza kwentsholongwane ngokuhamba kwesikhathi. Isivuno samanje se-FAGIX singama-3.60 ekhulwini kunye nomlinganiselo weendleko ngu-0.73 pesenti. Utyalo-mali obuncinane bokuqala u-$ 2,500.
6. I-Vanguard High-Yield Corporate (VWEHX): Abatyalo-mali bafuna isivuno esiphezulu kwaye bafuna ukuthatha umngcipheko ongezelelweyo wokubafumana, baya kuthandana noko babona kwi-VWEHX. Uninzi lwepottoliyo luneebhanki ezingaphantsi kwebakala lotyalo-mali kodwa isivuno se-4.78 pesenti kunye neendleko eziphantsi ze-0.23 ekhulwini zingabonwabileyo ngokurhweba abatyala-mali abakhulu. Utyalo-mali obuncinane bokuqala u-3,000.
7. I-Vanguard yexesha elide I-Bond Index Index (VLTCX): Ukuba uthanda imali yeendleko eziphantsi kwaye ufuna isivuno esiphezulu, i-VLTCX kufuneka ibe kwiluhlu lwakho olufutshane lokufakela kwiphothifoliyo yakho. Nangona le ngxowa-mali ifumaneka kuphela kwizabelo ze-Vanguard's Admiral, oku kuthetha ukuba kuya kufuneka ufeze ubuncinane bokutshala imali eyi-$ 10,000 ukuze uqalise, ixabiso eliphantsi leendleko ze-0.07 ekhulwini kwaye isivuno sangoku se-4.07 ekhulwini senza le ngxowa ifanelekile ngqalelo.
8. I- TC-TX yaseTalifornia eKhululwe kwixesha elide (VCITX): Nangona i-VCITX yinkxaso-mali yomasipala kamasipala, ingeniso evela kwingxowa-mali ayinanto yerhafu kwi-federal level nakwinqanaba likarhulumente (ukuba uhlala kwimeko apho iibhanki zikamasipala zikhutshwa ). Iimali zezibophelelo zikamasipala azihlala zibonelela ngeemveliso eziphezulu. Kodwa xa uhlala kwimeko kunye neerhafu eziphezulu, umrhumo wombuso kunye nomanyano ohlangeneyo unokwenziwa ngokubalulekileyo. Isivuno seVCITX singama-2.30 ekhulwini. Xa usenza umvuno olingana neerhafu, ukhuphukela kuma-3.5 ekhulwini. Iindleko zeVCITX zingama-0.19 ekhulwini kwaye ubuncinci bokutshala imali ngu-3,000.
9. Inkokhelo yerhafu yexesha elide eNew York (VNYTX): Ngenxa yesizathu esifanayo i-VCITX ingaba yinto ekhethileyo yokutyalomali abatyala imali eCalifornia, abatshali-zimali baseNew York bangaqwalasela i-VNYTX. Khumbula ukuba iingeniso zeemali ezihlawulwa ngerhafu kuphela kwiingxelo ezihlawulwayo. Umvuno we-VNYTX ngowama-2.27 ekhulwini kwaye isivuno esifanayo esifanelekileyo sabantu abaninzi baseNew York babeya kuba ngaphezu kwama-3.0 ekhulwini. Iindleko ze-VNYTX zingama-0.19 ekhulwini kwaye ubuncinci bokutsha-mali bokuqala-mali ngu-3,000.

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.