Iingcebiso ezilula zeBond Investors
Khetha iibhonki njengeePros
Ukuba ufuna ukukhetha izibophelelo ezinjengezinto ezibonakalayo, jonga oko bathathe! Ukuthobeka kuyisimo esinamandla kwi-bond bond. Ungazami ukungena kwi-bond bond yakho kunye nokugweba kwakho njengesixhobo. Qala uphando lwakho lwebhondi ngokujonga ezinye iipotifoliyo zokubamba ezinye zezona ziphathamandla eziphathekayo eziphathekayo eziphathekayo kwihlabathi. Bafumana amava, isigwebo esihle kunye namaqela abahlalutyi ukuba bancede bathathe iimbophelelo zabo kwiiphothifoliyo zabo.
Uya kufumana ulwazi lokubamba kwiziko elithile lezona zixhobo eziphandleyo zophando . Ngokomzekelo, kwi- Morningstar ungayifaka uphawu lwekhayibhile yesikhwama sokubambisana kwebhanki, uye kwiphepha leenkcukacha eziphambili zeengxowa-mali, fumana ikhonkco kwi "Portfolio," uze ulandele ikhonkco kwi "Holdings" kwaye ufumane uluhlu yeebhanki eziphezulu ze-25 zebhanki.
UMthetho oyiBill Gross mhlawumbi ngumphathi-mali owaziwa kakhulu kwi-bond fund emhlabeni. Ulawula iphothifoliyo enkulu yebhanki ye-bond, iPIMCO Total Return (PTTDX) kunye nabanye abambalwa, njenge-Harbour Bond (HRBDX).
UDan Fuss, owaziwayo ngokulawula iLoomis Sayles Bond (LSBRX), uneminyaka engama-50 amava atyala imali kwizibophelelo. Kwakhona, akayena oyingcali, oko kuthetha ukuba ulwazi lwakhe lunzulu kwaye lubanzi; utyhalela phantse zonke iintlobo zokubambisana. Ukuxubusha kunokwakheka kwi- bond (i-high yield) kwindawo yehlabathi.
Ngoko u-Dan Fuss 'uqokelelo lweentambo unokukunika ezinye iingcamango abanye abaphathi abayi kunika.
Gwema iimpazamo eziqhelekileyo zokuthenga amabhondi
- Ukufikelela kwiintlawulo ezikhulu kakhulu: Abatyebileyo nabaqalayo batyala benze zombini iphutha lokuphanda nokuthenga izibophelelo eziphezulu kuphela (ii-junk bonds). Amanqanaba aphezulu aphezulu ayenomdla kodwa ezi zivuno eziphezulu ziza neendleko ezifihlakeleyo: le ndleko yingozi engozini . Ngokuqhelekileyo, isivuno esiphezulu, sikhuphe umngcipheko wokungagqibekanga kwiinkampani ezikhuphayo. Oku kufana nomntu ohlawula inzala ephakamileyo ephezulu ekubolekeni; Amanani aphezulu asetyenziselwa kubaboleki abasemngciphekweni ophezulu. Ukuba zonke izibophelelo zakho zivuno eziphezulu, unako ukufumana inzala engakumbi kodwa ungaphinde ulahlekelwe inqununu ukuba ibhodi ekhuphayo (umbolekekisi) ichaza ukutshatyalaliswa kwaye ayikwazanga ukuhlawula imali yakho yokuqala.
- Ukuxhatshazwa ngeMatricity efanayo, Uhlobo lweBond okanye Uhlobo loShishino: Lo mpazamo oqhelekileyo ufana nokugqithiswa kwemali . Ukuba unamabhonkco ahlukeneyo kwipotfoliyo yakho yebhanti, awukwazi ukuhambelana ngokufanelekileyo. Zama ukuhlukahluka kwamanani (okt-1 ubudala, iminyaka emi-5, iminyaka eyi-10, iminyaka engama-30), iintlobo ezahlukileyo zezibambiso (oktyebo-mali, uMasipala, i-Corporate, High Yield) kunye namashishini ahlukeneyo phakathi kweebhanki zenkampani (oko kukuthi imali, impilo, ukuvelisa, ukuthengisa).
- Ukuhluleka ukufumana amanani alungileyo: Iibhondi zinamaxabiso "okurhweba," oku kuthetha ukuba kukho iikomishoni zomthengisi ezakhiweyo kwixabiso. Nangona kunjalo, akuvumelekanga ukuba uhlawule umrhumo opheleleyo; Ixabiso lentengo lithengiswa. Umthengisi unokunikela ngawo kwi-101 (i-1,010 yeekhonkco enye), kodwa ubona kwenye indawo ekuthengiseni ngayo i-99½ (i-dollar 995). Kufuneka uzame ukuhlawula ngaphezu kwexabiso elithengiswa ngokutsha.
Indlela Yokuphanda Iibhanki Zokuthenga
Ukuze ugweme ezi mpazamo eziqhelekileyo, yenza uphando lwakho kwiindawo ezikhululekile, ezifana ne-Yahoo Finance yeeBond kunye nokutyalomali. Kule mihlaba, unokufunda okungakumbi malunga nezibophelelo kwaye uhlole amanani ngaphambi kokuba uthenge. Unokujonga kwakhona amanqaku ambalwa kwezinye iisayithi, njengalesi nqaku se-Kiplinger malunga nendlela yokuphanda nokuthenga izibophelelo. Funda ngokumalunga nokutyalwa kwemali .