Iingenelelo kunye neentsilelo zeeKhwama zeBond eziKhutyana ze-Ultra
Ziziphi iifom ze-Ultra Short-Term Bond Fund?
Iimali ze-Bond ezifutshane ezifutshane ze-Bond, eziza kutyalo-mali kwiibhondi kunye nexesha elingaphantsi konyaka omnye, luhlobo oluthile lweemali ezifutshane zesikhonkco, ezibambe izibophelelo kunye neminyaka emithathu.
Abatyalomali abanomsocoko bavame ukuthanda iimali ezincinci zesikhonkco sexesha elifutshane ngenxa yokuba banomdla wokunciphisa intsingiselo emncinci kuneengxowa-mali zexesha elifutshane kodwa ziza kuba nezivuno eziphezulu kunemali yemarike yemali. Nangona kunjalo, iimali ezigqityiweyo zexesha elifutshane zisezantsi zibuyele kwixesha elifutshane kuneemali ezigqityiweyo zexeshana kunye nemali engaphantsi kwexesha elifutshane kuneemali zebhanki zexesha elide kunye neengxowa -mali zexesha elide .
Ixesha Eligqibeleleyo lokuthenga iiNgxowa-mali ze-Bond ezimfutshane zexesha elifutshane
Njengoko igama lithetha, iifom zebhondi zexesha elifutshane azenzelwe ukutyalo-mali kunye nexesha elide . Ngokomzekelo, i-index index ye-market index iya kulindeleke ukuba ifikelele ukubuyela kwe-5% ngaphezu kwexesha eli-10 leminyaka, kanti i-fund ye-bond yexeshana elifutshane iyakwenza kakuhle ukuya kuma-2%.
Nangona kunjalo, iimali zentsebenziswano kunye neengxowa-mali zineengqununu, oko kuthetha ukuba umtyalomali angathengisa isikhwama sebhondi ngentengo ephantsi kunokuba ayithenge. Yaye xa isantya somdla sinyuka, le mngcipheko ukongezwa ngumngcipheko ochaphazelekayo obizwa ngokuba ngumngcipheko wezinga lomdla.
Ngoko ukuba, kwizinga elincinci lomyinge, umtyalo-mali ufuna ukufumana isivuno esiphezulu kunemali yemarike yemali kodwa ixabiso lomdla kulindeleke ukuba likhuphuke kwixa elizayo, iifowuni ezincinci zebhondi ezincinane ziba yinto efanelekileyo.
Ngaphandle kokwenza iiposenti ezingenako ukuqikelela ukuhamba kweerhafu, inkokhelo ye-bond yexeshana ezimfutshane zilungele ukutshala ixesha elifutshane nje, njengeenyanga ezintathu ukuya ezintandathu.
Iifom zeBond Bond yexesha elifutshane
Ukucinga ukuba utyalomali ufuna ukuzisebenzisa njengoko zenzelwe kwaye zityale ixesha elifutshane, i-finest bond yebhondi yexesha elifutshane ayiyi kuba nomthwalo kwaye iza kuba nexabiso eliphantsi leendleko .
Ngeendleko engqondweni, enye yezona zinto zihamba phambili kwii-bond-bond bond-futshane ze-Bangu -Term Bond (VUBFX), enexabiso elincinci le-0.20% kunye nokusebenza okudla ngokubanzi kweemali ezinamalungelo afanayo.
Ukufumana iimali ezifanayo, abatyali-mali banokuphanda kunye nokufumana imali engcono kakhulu yexesha elifutshane-mali yebhanki kwenye yezona ndawo zezona ndawo ezilungileyo zokuphanda imali . Qiniseka ukuba ukhangelelanise ukulinganiswa kweendleko eziphantsi kunye neengxelo ezilungileyo zengxelo yomsebenzi.
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.