Yiyiphi iBond Index Index?
Inkcazo yenkcazo yebhanki yingxowa-mali efaka imali kwi-potifoliyo yeebhonkco eyenzelwe ukufanisa ukusebenza kwesahlulo esithile, njenge-Barclays Udidi lwe-US Bond Index.
Kunokuba ulawulwe ngamandla - oko kukuthi, kunye nomphathi wepottoliyo ozama ukukhetha izibophezelo eziza kuphelisa i-index phezu kwexesha-inkcazo yenkcazo igcina nje izitokethi ezisekhompyutheni, okanye, kwiimeko ezininzi, isampuli esimele kubamba. Xa ukwakhiwa kwenguqu yenguqu, utshintsho olunjalo luya kubakho, kwaye kuya kubakho ukugcinwa kwemali kwi-fund. Ngoko kutheni utyalo-mali kwi-index index bond? Kukho ezibini izizathu ezibalulekileyo ezenza ukuba i-index index ingcono kakhulu:
Imali ephantsi
Umyinge wesiqingatha-mali ohlawulelwayo kwi-domestic has a cost amount of less than 1.0%, ngelixa umyinge wesizwe-mali kunye ne- high-yield bond-bond isheke nganye ngexabiso lentengo malunga ne-1.35%. "Ixabiso leendleko" yipesenti yexabiso elithe le nkampani ikhupha phezulu kunyaka ngamnye ukuhlawula iindleko zayo kunye nokufumana inzuzo.
Ezi ntlawulo zithatha imali enkulu yabathengi ngekhefu, ngokukodwa ngenxa yokuba iinkampani zihlawulisa iirhafu kungakhathaliseki ukuba imali yazo iqhuba njani.
Oku kuninzi ukuqwalaselwa kwiindawo eziphantsi kwezivuno . Ukuba iphothifoliyo yeengxowa-mali ivelisa i-4%, i-1% yentlawulo yolawulo ihlutha i-quarterly ye-engenayo yemali-mali.
Iimali zenkxaso ye-Index zinciphisa igalelo lemali. Ekubeni le mali ifuna iimithombo ezimbalwa zokulawula, zinokudlula ukugcinwa kubalimi-mali.
Ngokuchaseneyo neengxowa-mali ezilawulwe ngokuzimeleyo, inkcazo yeentengo ezininzi zeekhonkco zihlawulisa umrhumo wonyaka we-0.2% ukuya kwi-0.4%. Ukongezelela, ukufana kweemali ngaphakathi kwinqanaba elithile livumela abatyali-mali ukuba bathengise i-fund ngenkokhelo ephantsi kakhulu (ngaloo ndlela kukhulisa ukubuyela kwexesha elide).
Ukusebenza okungakumbi
Ngenkcazo yesikhwama, uyazi ukuba uza kuthatha ntoni-ukubuya okumele ummeli-jikelele. Ngamagosa asebenzayo, iziphumo zentsebenzo ziyakwazi ukuphendula ngokubanzi. Ngunyaka omnye umphathi angakwazi ukukhupha isalathisi ngamaphuzu eepesenti ezimbini, kodwa unyaka ozayo unako ukulahla ngamashumi amahlanu. Kwaye emva kwexesha, abaphathi abasebenzayo, njengeqela, bavame ukuhlawula iifom zenkcazo ngegama elibanzi.
Esinye sezizathu kukuba le mali iphakamileyo ayithathi kuphela ukuluma ngenxa yokubuyiselwa, iphoqa abaphathi abachaphazelekayo ukuba bathathe umngcipheko ophezulu ukuze balinganise ukusebenza kwenkcazo emva kwemirhumo. Kwakhona, kwaye ubuncinane, nokuba ngabaphathi abafanelekileyo banokuphucula kakhulu iimarike ngezikhathi ezithile. Abatyalomali kufuneka bacele ukuba ngaba iimali eziphezulu zifanelekile ngenxa yokusebenza okungalinganiyo kwiimali ezilawulwa ngempumelelo.
Ingozi efihliweyo ye-Bond Index Index
Nangona iifom zenkcazo zininzi kakhulu kubo, le nto ayikho ngokupheleleyo intsimbi.
Ngeemali ezibonisa izibonakaliso ezibanzi ezisemgangathweni ezifana ne-Barclays I-Index edidiyelweyo yase-US, inxalenye enkulu yepotfoliyo ityala ngokutsha kwiirhumo-rhu lumente okanye zikarhulumente.
Okulingana nomngcipheko omkhulu wenzalo, okulungileyo xa izivuno ziwela ( njengoko amanani aphakama ). Nangona kunjalo, ukunyuka kwamazinga kuya kuba nefuthe elibi kakhulu kwipotfoliyo enqabileyo kakhulu kumabhondi karhulumente . Abanini-mali, ngoko ke, banokufuna iindlela zokwandisa imali yabo yenkcazo kunye neengxowa-mali ezinomngcipheko omncinci wentsingiselo, njengemali ephezulu yokuvelisa kunye neyohlumayo.
Indlela yokuTyala imali kwiBond Index Index
Abatyalomali bayakwazi ukuthenga iimveliso ezinxulumene neengxelo zisebenzisa iimali ezixhaswa ngemibutho yamasiko okanye inani elikhulayo lemali yokuthengiselana ngemali (ETFs) ezingathengwa kumthengisi.
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. Njalo uphando ngononophelo ngaphambi kokuba utyalomali.