I-Primer kwiimali zeBond ngeemizekelo
Iimali zobudlelwane bezivumelwano zeBond ziza kwiimpawu ezininzi kunye nezitayela. Masiqale ngeentlobo ezi-5 ezisisiseko zeengxowa-mali zobudlelwane, xa sinikela ngemimiselo yeemali ezibophelelweyo.
Utyalo-mali lweBakala yeBhanki ye-Bond Mutual Funds
Iibhanki zebhanki zentengiso zikhutshwa ngamashishini asemgangathweni ukuze kuphakanyiswe inkunzi yequmrhu. Ezi zibophelelo zivakala ngokulinganisa iBBB kunye nangaphezulu nge-S & P okanye i-Baa nangaphezulu kunye no-Moody's. Ulwabiwo-mali lwamaqumrhu olwabiwo-mali luvumela abatshali-mali ukuba bafikelele kwiibhaskiti ezahlukeneyo zobudlelwane bequmrhu, ukunciphisa umngcipheko (ubungozi bemali-mboleko, umngcipheko wezinga lentengo kunye nomngcipheko wokubuyisela imali).
Uninzi lweenkampani zengxowa-mali zinika inkxaso-mali yokubambisa iibhondi zombini kunye nexesha elide. Iimali ezininzi zeVanguard zibhalwe ngezantsi:
- I-Vanguard Ixesha elifutshane loTyalo-mali
- I-Vanguard ephakathi-Ixesha lokuTyala-iBakala
- I-long-Term Investment-Grade
Iimali eziPhakamileyo zokuThengiswa kweeMali zeMpahla
Izibophelelo eziphezulu zivame ukubizwa ngokuthi "izibopho ezingenanto" ngenxa yokulinganiswa kwazo kwetyala. Ezi zibophelelo zikhutshwa ngamashishini kwaye zilinganiswe ngaphantsi kweBBB nge-S & P kunye / okanye ngaphantsi kweBhaa ngo-Moody's.
Izibophelelo eziphezulu ezivunayo zinezivuno eziphezulu kunezibhanki zamashishini atyala ngenxa yengozi eyongezelelweyo yemboleko ethathwa ngumthengi weebhondi. Ngoko, khumbula, isivuno esiphezulu siza nezivuno eziphezulu kodwa ingozi enkulu.
Nazi izibini ezithengileyo ezizibophelelanayo eziphezulu:
- I-Vanguard High-Yield Corporate Fund
- IFundelity High Income Fund
I-Nondyebo-Amanani eNkxaso-mali aVikelekileyo (i-TIPS) i-Bond Mutual Funds
I-TIPS zibophelelweyo ezikhutshwe nguNondyebo we-US ohlawula isigqithiso kwiinqununu ezilungisiweyo. Ubhonkco luhlengahlengiswa kwimizuzu engama-mihlanu kunye nomyinge we-Index of Price Index (umlinganiselo wokunyuka kwamaxabiso). Ngoko, i-TIPS kuthiwa ihamba ngokuhambelana nokunyuka kwamaxabiso ngokubuyisela inqununu ehlengahlengayo xa ikhula kunye neentlawulo zekhuphoni endleleni. Kukho izibonelelo kunye neengxaki ze-TIPS mali .
Nazi ezinye i-TIPS zeemali ezixhasana ngemali:
- I-Vanguard Inflation-Protected Securities Fund
- I-T. Rowe Ixabiso leMali ye-Bond Protected Bond Fund
- IFundelity Infilt-Protected Bond Fund
IiNgxowa-mali zeMatual Municipal Fund
Iimali zobudlelwane bezivumelwano zakwaMasipala zibophelela izibophelelo ezikhutshwa ngabamasipala ezifana nezixeko kunye namazwe. Izibopheko zikaMasipala zifumana unyango lwerhafu olulungileyo. Inzala kwiibhanki ezininzi zikamasipala ayinarhafu kwinqanaba lezemfundo kwaye akukho ntlawulo-ntlawulo kubarhwebi abathengi iibhondi zikamasipala ezikhutshwe kwiindawo zabo zokuhlala. Kukho izibhanki zikamasipala zomsebenzi wabucala.
Abatyalomali abahlala eCalifornia, eMassachusetts, eNew York, nakwamanye amazwe, banakho iindlela ezininzi zokutshala imali kwiimali ezixhaswa ngemali yomxhaso kamasipala (i-Federally kunye ne-tax free).
Abanye abatyali-mali baza kufumana iimali ezixhaswe ngemali yomasipala kunye nexabiso.
Ngokuqhelekileyo, ngaphandle kweemeko ezigqithiseleyo, izibophelelo zikamasipala zinezivuno ezincinci kunezibophelelo zentlawulo efana nekhredithi efanayo, okwenza kubalulekile ukuqonda iintlawulo ezilinganayo zerhafu.
Nazi ezinye iibhanki ezixhaswa ngemibutho kamasipala:
- I-Vanguard Ephakathi-Ithenda yerhafu ihlawulwa
- INgxowa-mali yeNgeniso kaMasipala
IiNgxowa-mali zeMatual International
Njengoko kuzwakala, iimali zobudlelwane bezivumelwano zomhlaba wonke zityalomali kwiibhanki ezikhutshwe ngamaziko angaphandle. Abatyalomali banokuxhamla kwi-dollar yaseDelika ngokunciphisa ngokuthenga i-fund joint bond. Yonke into elinganayo (isivuno sobhambiso kunye nentengo yebhondi), ukuba unayo ibhondi yangaphandle kwaye i-dollar yaseMelika ilahlekelwa phantsi kwesixa-mali semali yesinye isizwe, uya kufumana / ulahlekelwe ngokusuka kwemali / ukuhlaziywa kwemali.
Kukho iimali zengxowa-mali ezidibeneyo ezenza ulungelelaniso lwemali-ukuze kuphephe ukungazinzi kwexabiso lemali.
Nazi zimbalwa zee-bhanki zamazwe ngamazwe:
- INgxowa-mali yeBond ye-International Bond yeT.
- Bondelity International Bond
Igama lokugqibela kwiiNgxowa-mali eziManyeneyo zeBond
Ngaphambi kokuba utyalomali kwingxowa-mali yentsebenziswano, kukho izinto ezimbalwa ekufuneka uziqwalasele, njengeenjongo zakho zokutyalomali kunye nokunyamezela ingozi. Ngaba iimali zebhondi zilungele wena?
Nazi ezinye iincatshulwa zokukunceda ekukhetheni imali efanelekileyo kuwe:
Ukwakha iphothifoliyo eyahlukeneyo, abatyali-bulumko baqikelele ukusebenzisa ingxowa-mali engaphezulu kweyodwa kunye nokuncoma iimali ezibophelelweyo kunye neentlobo ezahlukeneyo zeempahla zengxowa-mali.