Ingxowa-mali "yesiCwangciso" yinto entsha-yexesha-mali enxulumene neli candelo latshintshile amagama abo ukuba afake igama elithi "ingundoqo".
Iintlobo ezimbini zeNgxowa-mali eziKhulu: eziSebenzayo kunye eziNcinci
Iingxowa-mali ezincinci ziyakuthi zisebenze, oko kuthetha ukuba abaphathi bahlala besitshintsha iifomatilethi ukuba bathathe amathuba okanye baphephe ingozi, okanye bangabonakali, oku kuthetha ukulandelela inkcazo. Ukwahlukana okubalulekileyo phakathi kwaba babini kukuba abaphathi abasebenzayo bazama ukufezekisa ngcono kuneziphumo zemarike eziqhelekileyo, ngelixa iimali ezingenamsebenzi zizama ukulinganisa ukubuyiswa kwesalathisi esifanayo-oko kukuthi, ukuba ungenzi okubi ngakumbi (okanye ungcono) kunomlinganiselo. Izibonelelo ezihambelanayo kunye neempembelelo zemali ezihambelanayo kunye neengxowa-mali ezingahambelaniyo azivunyelwana ngokubanzi - uhlobo oluthile lotyalo-mali lunabameli kunye nabacebisi.
Imali yenkcazo yeBond , nangona ingayithwali i "ileyibhile" yeelayibhile, inokwenene ibonisa ukutyalomali olulodwa olufanelekileyo olufanelekileyo kubatyalimi abaninzi.
Iimali ezilandelelanisa i-index yebhanti yebhanki njenge-Barclays Index Index, inezinzuzo ezininzi, kuquka ukudibanisa ngokubanzi, iindleko zolawulo oluphantsi, kunye nokuqinisekileyo ukuba le ngxowa-mali ayiyi kubandezeleka ngokungapheliyo kunyaka owenziwe ngenxa yezigqibo ezimbi zomphathi. Ngelo xesha, nangona kunjalo, ezinye iimali zenkcazo zinokuba nexabiso eliphezulu kwiibhondi zikaRhulumente kwaye ngenxa yoko uvakalelo oluphezulu malunga nokunyuka kwezinga lentengo.
Kwaye, njengoko kuphawulwe, ngcaciso ayinakwenzeka ukwenza okungcono kunomyinge.
Iimpawu ezibalulekileyo ezibalulekileyo zeeNgxowa-mali zeCore Bond
Qaphela ukuba akusiyo yonke i-issuer ibona ingcamango "yengundoqo" ngendlela efanayo - igama alikho into echanekileyo okanye ngokuvisisana ngokubanzi. Ingxowa-mali ekhutshwe yinkampani enye inokubonakala ihluke kakhulu kunengxowa-mali ekhutshwa enye. Ukongezelela, abaphathi abasebenzayo bangathatha iindlela ezahlukeneyo - ngeempumelelo ezihlukeneyo. Ukongezelela, iimali ezithile ziya kwamkela ezinye iinkqubo "zokuhamba-naphina" ezibandakanya izibophelelo eziphezulu okanye ezinye iimali ezingabanjwanga kwiibakala zeentengiso. Ekubeni kukho ukuhlukahluka kakhulu kwinqanaba, lihlawulela ukuphanda iifom nganye ngokukhawuleza ukuba ibone oko kuyenzileyo, ukuba yenze njani ixesha elide, kwaye liye laqhuba njani ngexesha lokuncipha kweemarike. Ngamafutshane, ungacingi ngesiseko segama kuphela ukuba i-fund ye-bond bond idibana neenjongo zakho.
Omnye umba kunye nemali engundoqo kukuba awona maninzi angabalingani kwimarike yamazwe ngamazwe , asakhulayo , okanye iimbophelelo ezivunayo. Ngenxa yoko, imali engundoqo yebhondi ayinako ukubonelela ngezinga lokwahluka kootyalo-mali abalindayo. Kwakhona, ekubeni utyalo-mali kumacandelo eemarike ngamazwe ngamazwe kunye namafama atshabalalayo athathwe ngokunciphisa ukunyuka kwezinga lentengo kunokwakheka kweengxowa-mali eziqhelekileyo ezinobuncwane obuncwane kwiimali kunye nezibophelelo zenkampani, ingxowa-mali eyona nto ingakhokelela kakhulu kumngcipheko wenani lentengo kunokuba iphothifoliyo epheleleyo.
Umtyalo-mali ofuna ukufezekisa ubuninzi beentlobo ezahlukeneyo unokuqwalasela ukuxhaswa kwemali engundoqo kunye neengxowa-mali eziphezulu.
Indlela yokuTyala imali kwiiNgxowa-mali zesiKhulu
Abatyalomali banokukhetha phakathi kweemali zentengiso okanye imali yokuthengiselana ngemali (ETFs). Iimali zentengo zingathengwa ngqo kwiinkampani okanye nge-broker, ngelixa ii-ETF zifuna i-akhawunti ye-brokerage. Iingxowa ezimbini zezona zimbini eziphambili zentengo ye-bond ziyi-PIMCO I-Total Return Fund (i-ticker: i-PPTDX), i-DoubleLine i-Return Return Fund (iDLTNX), ngelixa ezintathu ze-ETF ziyaziwayo kakhulu ziVengeard Total Bond Market ETF (BND) kunye neShares Core Total US I-Bond Market ETF (AGG), kunye ne-PIMCO I-Total Return ETF (BOND). Njengamaxesha onke, xa usenza utyalo-mali kwi-fund okanye kwi-ETF, qwa lasela iifom zokulawula iifom. Uphando olunzulu kule ndawo lugqiba oko
- Imirhumo yolawulo yinto ebalulekileyo echaphazela inzuzo yangexesha elide.
- Ulwalamano oluphambeneyo lukhoyo phakathi kweemali zokulawula kunye nokusebenza kwemali - eyona mali ilawulwa ngokukhawuleza phantsi komlinganiselo wamacandelo ngelixa iimali eziphantsi kweemali ezingaphantsi komlinganiselo.