Imali yeBond inikezela ngokubanzi utyalo-mali, kodwa nabo abanalo usuku lokukhula- oko kuthetha ukuba abatyali-mali abanaso isiqinisekiso sokuba yonke inqununu yabo iya kuba khona kwinqanaba elithile kwixesha elizayo, njengoko kunjalo nangomntu ngamnye amabhondi.
Abatyalomali banokudala "i- ladder " - okanye uchungechunge lweebhondi ngeentsuku ezahlukeneyo zokukhula - eziziintlobo ezintlanu okanye ngaphezulu.
Olu khetho lunceda umtyalo-mali ukuba alawulwe umngcipheko wezinga lomyinge kwaye aqinisekise ukuhamba kwemali eqikelelweyo, kwaye kunceda ukunciphisa umngcipheko wokulahlekelwa kwinqununu enxulumene neengxowa-mali. Nangona kunjalo, le ndlela ibuye iphumelele kwinqanaba elincinci lokuhluka kweepotfoliyo.
Iikhwama zokukhula okujoliswe kuzo ziqulunqa i-Gap
Ngoku, abatyali-mali bangakwazi ukujongana nazo zonke ezi zidingo ngokutyalomali kwi-targeted exchange bond - cashed finance, okanye ii-ETF. Ezi mali ziziphatha njenge-ETFs eziqhelekileyo, ngaphandle kobonke iimbophelelo ezivuthiwe kunyaka omnye. Njengoko ubophelelo ngalunye lukhula, iimali zihambisa imali leyo ngenkokhelo okanye imali efana nemali kunokuba ibuyisele kwakhona. Kwimihla yokukhula kwemali, bayeke ukusebenza kunye nexabiso labo ngexesha libuyiselwa kubani-zimali. Ngale ndlela, abatyali-mali banokufumana imali engenayo, bafumane utyalo-mali oluthengiweyo, kwaye banomhla owaziwayo apho iinqununu zabo ziza kubuyiselwa khona (kunye kunye nalabo abatyale injongo ethile engqondweni, njengeentlawulo zekholeji) .
Ukongeza, banokubanceda abatyali-mali ukuba bakhe izikontsi zamabhondi kwaye basoloko begcina izinga eliphezulu.
Iingcipheko zeeKhwama zokuThuthukiswa kweThagethi
Iimali zokukhula okujoliswe kuzo azikho ngaphandle kweengozi zazo. Abafuni ukubuyisela inani elikhethiweyo lemali kubalimi-mali ngexesha lokukhula, ngoko inqununu ebuyiswayo ingaba ngaphantsi kwe-investment yasekuqaleni ukuba enye okanye ngaphezulu kwezibophelelo kwiipotifoliyo zingekho .
(Lo mngcipheko unokunciphisa ukutyalomali kwiimali ezijoliswe ekuhluthweni kweemali kwiingxowa-mali eziphakamileyo). Kananjalo, le mali iya kuguqulwa - njengokuba nayiphi na ingxowa-ke ukuthenga kunye nokuthengisa kuyo yonke impilo yesikhwama inomngcipheko wokulahleka. Okukude kude nosuku lokuvuthwa, ingxowa yenkxaso engaphezulu. Ngenxa yoko, abatyali-mali abafuna ukuqinisekiswa ngokupheleleyo ukuba yonke inqununu yabo iya kubuyiselwa kwenye indawo, yamkela ngexesha elifanayo ukuba imali yebhondi yexesha elifutshane, ekujoliswe kuyo okanye ngenye indlela, inokubamba utyalo-mali ngexabiso lentlawulo ephantsi.
Ukujonga ngokuthe ngqo ukuba le mali ifunyenwe njani ngeShares 'yecala lokufunda ngo-2013 I-S & P ye-BT Free Free Bond Series ETF (i-MUAA), ekhulile ngoku. Funda isifundo apha.
Izivuno kwiimali ezijoliswe ekujoliswe kuyo ekuhlaleni ziza kuguquka, kodwa ngokuqhelekileyo zithetha, iifizi zokukhula ezide ziza kuthwala izivuno eziphezulu. Hlola iiwebhusayithi zeenkampani ezikhuphayo ukufumana iimveliso ezikhoyo.
Ukulinganiswa kweendleko zemali ngu-0.30% kwi-series ye-iShares, i-0.24% yechungechunge lwebhondi ye-Guggenheim, kunye no-0.42% kwi-series ye-Guggenheim. Qaphela kwakhona ukuba izifundo eziliqela ziqinisekisa ukuba kwiimali ezidlulileyo kunye neendleko eziphezulu zokulawula zineentlawulo eziphantsi.
Indlela yokuTyala: i-Guggenheim BulletShares, iShares kunye neNinzi
I-ETF zingathengwa ngokuseka i-akhawunti ye-brokerage. Uludwe lwe-ETFs olujoliswe kukhula olujoliswe kuyo lulo lulandelayo:
Izibonelelo zeMasipala
- iShares 2017 I-S & P I-ETF-Free Free Bond Series ETF (i-MUAF)
- iShares 2018 I-S & P I-ETF-Free Free Bond Series ETF (MUAG)
- iShares 2019 I-S & P I-ETF yama-Free Bond Series Series ye-ETF (i-MUAH)
Bonds Corporate
- I-Guggenheim BulletIziqendu 2017 Ibhondi yeBakala ETF (BSCH)
- I-Guggenheim BulletIziqendu 2018 zeBond Bond ETF (BSCI)
- I-Guggenheim BulletIe-2019 zeBond Bond ETF (BSCJ)
- I-Guggenheim BulletIe-2020 zeBond Corporation kunye ne-ETF (BSCK)
- I-Guggenheim BulletIe-2021 zeBond corporation ETF (BSCL)
- I-Guggenheim BulletIe-2022 zeBond Corporate Bond ETF (BSCM)
- IShares 2016 Utyalo-mali lweBakala leBhanki kwixesha elide le-ETF (IBCB)
- IShares 2018 Utyalo-mali lweBakala leNkxaso-mali yeXesha le-ETF (IBCC)
- IShares 2020 Utyalo-mali lweBakala leBhanki kwixesha elide le-ETF (IBCD)
- IShares 2023 Utyalo-mali lweBakala leNkxaso-mali yeeNkcazo ze-ETF (IBCE)
- iSharesBond 2016 I-ETF yekota ye-ETF (IBDA)
- iSharesBond 2018 I-ETF yekota ye-ETF (IBDB)
- iSharesBond 2020 I-ETF yekota ye-ETF (IBDC)
- iSharesBond 2023 I-ETF yekota ye-ETF (IBDD)
Iimali eziPhakamileyo
- I-Guggenheim BulletIzibonelelo ze-2017 eziPhakamileyo eziPhakamileyo zeBhanki ye-ETF (BSJH)
- I-Guggenheim BulletIimpapasho ze-2018 eziPhakamileyo eziPhakamileyo zeBhanki ye-ETF (BSJI)
- I-Guggenheim BulletIzibonelelo ze-2019 eziPhakamileyo eziPhakamileyo zeBhanki ye-ETF (BSJJ)
- I-Guggenheim BulletIe-2020 eziPhakamileyo zeeNtengo zeBhanki ye-ETF (BSJK)
Ingcaciso kule ndawo inikezelwa ngeenjongo zengxoxo kuphela, kwaye ayifanele ithathwe njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso. Soloko uthetha nomcebisi wezezimali kunye nerhafu ngaphambi kokuba utyalomise.