Yisiphi iFund Bond Bond Yesikhashana?
Iimali zoxinzelelo lwexesha elifutshane zifake imali kwiibhondi ezivuthiwe kwiminyaka emithathu ukuya kwiminyaka emithathu.
Inani elincinci lexesha de ukukhula lithetha ukuba umngcipheko wezinga lomyinge - okanye umngcipheko wokunyuka kwezinga lentengo uza kubangela ukuba ixabiso lexabiso eliyinhloko le-mali liyehla - liphantsi xa lifaniswa ne-bond-bond bond kwiminyaka emithathu ukuya kweyishumi) kunye neengxowa-mali zexesha elide (iminyaka elishumi phezulu). Sekunjalo, kunye neengxowa-mali ezincinci ezixhasayo zexesha elifutshane ziya kuba neqondo elincinci lokuhla kwamanani.
Iifutshane zeBond zeTshane eziKhatshane zithelekisa njani kwiimali zeeMali zeMarike
Ekubeni iimali zesikhatshane sexesha elifutshane zihlala zingengozi ophantsi, abatyali-zimali abaninzi basebenzisa imali njengendlela ephezulu yokunika imali kwimali yemarike yemali. Imali yemali yindlela ephantsi kakhulu yengozi kwi-spectrum-reward reward-spectrum, ngenxa yokuba banesivuno esiphantsi kunye nomngcipheko ophantsi . Iingxowa-mali ezincinci zexesha elifutshane zibhekwa njengenyathelo elilandelayo eliphakanyisiweyo le nqanaba ngokwemiba yomibini kunye nokubuya okusemandleni.
Ngaba iNgxowa-mali yexesha elifutshane iFund Bond yeyona nto ingcono kuneMali yeeMali zeMarike?
Ziyakwazi, kodwa kubalulekile ukuba wazi kakuhle into oyithengayo. Nangona iifowuni zexeshana ezifutshane zineengcipheko eziphantsi kwe-interest rate , zingaba nezinye iintlobo zemingcipheko kuxhomekeke kwiziqinisekiso ezibanjelwe kwiipotifoliyo zazo. Iimali ezininzi zityale kwiibhanki eziphezulu zequmrhu okanye izibambiso ezixhaswe ngemali-mboleko , kodwa oku akusiyo indlela.
Abatyalomali bafunde le ndlela ebudeni ngexesha leengxaki zemali ngo-2008 xa imali ebeninzi ebeka imali kakhulu kwiimali ezixhomekeke kwimithwalo-mboleko yabhekana namanzi amaninzi kwixabiso lawo.
Ngokucacileyo, "ixesha elifutshane" alithetha ukuba "umngcipheko ophantsi." Funda izinto ezivela kwiinkampani ezikhuphayo ngokucokisekileyo ukuqinisekisa ukuba abaphathi abazange balayishe iphothifoliyo kunye nokutyalomali-mali olunzima kumazwe ngamazwe okanye iibhondi ezinobuncinci obuphantsi umzamo wokwandisa izivuno kuba ezi ziintlobo zokhuseleko ezinokuthi ziqhume xa iimeko zokutshala imali.
Kwakhona, gcinani engqondweni ukuba bekude ixesha elide ukususela kwi-Federal Reserve ephakanyisiweyo. Ngenxa yoko, kulula ukulibala ukuba i-short-term bond iya kuba namaxabiso ekunciphisa amaxabiso ngelixa i- Fed iphakamisa amaxabiso . Ukuncipha kuya kuthoba xa kuthelekiswa nezinye iintlobo zemali, kodwa imali yemarike yemali ayiyi kubakho nantoni na.
Xa uthethile oku, iifowuni zexesha elifutshane elinokubambisa i-intanethi linganika inzuzo efanelekileyo yemali ngokumalunga nemali yemarike yemali (naphi na ihafu yesinye kwipesenti ukuya kwi-2%, kuxhomekeke kwi-investments). Ngenxa yoko, abatyali-mali abaninzi abasemgangathweni wokuthatha ingozi ebandakanyekayo yeebhanki zexesha elifutshane banokwabelana ngenxalenye yeefowulini zabo kwiiklasi ze-asethi endaweni yemali yemarike yemali.
Nangona kunjalo, ukuba kufuneka usebenzise imali ngokukhawuleza (ngaphakathi konyaka) okanye ukuba unobunyamezelo obuncitshiswa kakhulu , imali yemarike yemali yindlela engcono.
Iimali ze-Ultrashort Bond Fund nazo Ikhetho
Abatyalomali banamanani akhulayo okukhethwa kukho kwindalo yendalo ye-ultrashort. Iimali ngokutsha zityalomali kwiimbopheleleko kunye neemali eziphakathi kweenyanga ezintandathu kunye nomnyaka omnye. Oku kubonisa ukukhula okuqhelekileyo kweemali kwiimarike zemali, ngokuqhelekileyo kugxininisa kwityala ngeemfuno zeveki okanye ngaphantsi, kunye neengxowa-mali zexeshana ezifutshane, apho ukukhula okuvame ukuqhuba phakathi kweminyaka emithathu. Funda kabanzi malunga ne-ultrashort bond funds apha.
Indlela yokuTyala imali kwiiBond eziSigxina
Abatyalomali abafuna ukunika ezinye iiphothifoliyo zabo kwiibhondi zexesha elifutshane banokukhetha okukhethwa kukho. Ukongeza kwimivuzo efana ne-Vanguard eXesha-Bond Index Index (VBIRX), T.
I-Rowe Price Iifowuni yeXesha leXesha elifutshane elifutshane (PRWBX), kunye ne-Lord Abbett esifutshane IsiKhwama seNgeniso ye-Income (LALDX), kukho inani elikhulayo lemali yokuthengiselana (ETFs) ejolise kwicandelo. Uninzi lweemali zengxowanxu yexesha elifutshane lunikezela ngamalungelo okubheka i-check-writing, njengemali yemarike yemali, ngelixa ii-ETF zingenayo. Nangona kunjalo, akukhuthazwa ukuba abatyali-mali basebenzise iimali zebhondi zexesha elifutshane ukwenzela ukubhalwa kwetekisi ngenxa yokuba kubangela intloko yesifo sentloko.
Phakathi kwe- ETF ezinkulu kunazo zonke ezityalayo kwiibhondi zexesha elifutshane zi:
- iShares Barclays INgxowa-mali yeBondari ka-1 kaNyaka (i-ticker: SHY)
- iShares Barclays INgxowa-mali yeBhanki yeBhanki yeminyaka eyi-1-3 (CSJ)
- I-Vanguard Ixesha elifutshane leBond ETF (BSV)
- I-Vanguard Ixesha elifutshane leBond corporation Bond ETF (VCSH)
- iShares Barclays Iifutshane ze-Bond Fund (SHV)
- I-SPDR iNoveen Barclays IXesha elifutshane elifutshane I-BF kaMasipala kunye ne-ETF (SHM)
- I-SPDR Barclays Capital Ixesha elifutshane eliQinisekisa iBond Corporate (SCPB)
- I-PIMCO 1-5 I-TIPS Index ye-TIPS ye-US (STPZ)
- IShares I-S & P Ixesha elifutshane I-National Muni Bond (SUB)
- I-Barclays I-Fund ye-TIPS Fund ye-TIPS ye-0-5 (STIP)
Ukuziphendulela : Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lithathwe njengengcebiso-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.