Iimali eziBhetele kunye eziPhambili kunazo zonke ze-2018
Iimali zeBond Best Best Investment in 2018
Ngaphambi kokukhetha imali efanelekileyo yokubophelela imali ekuthengeni kuyo nayiphi na ixesha elinikeziweyo, gcina ukhumbule ukuba amaxabiso omabhondi kunye namazinga omyinge alamano oluphambeneyo, oku kuthetha ukuba ixabiso leebhondi liye landa xa inani lamanani liwela kwaye ixabiso lentengo liye lawa xa umdla amazinga akhula.
Ekubeni imeko yangoku ikhuphuka ixabiso, iimali ezininzi zeekhonkco ziyakubona ukubuyiswa okungekho kumnyaka ozayo.
Ngaloo nto engqondweni, nantsi ezinye zeengxowa-mali ezigqwesileyo eziza kuthenga ngo-2018:
- Iimali zeeNkcazo zeeNkcazo zeeBondari ezipheleleyo : Iimali zenkcazo ziye zaphazamisa imali ekhompyutheni elawulwayo ngokunyanisekileyo kwiminyaka yamuva kuba abaphathi baye bahluleka ukuchazela ngokuchanekileyo amaxabiso omyinge kunye nezenzo ze-Federal Reserve. Ngako oko, isikhwama-mboleko esilawulayo singasilungelelwanga ngokubhekiselele kwinto enokuba yinto engabonakaliyo ngo-2018. Inkcazo yemarike yeekhonkco ngokuqhelekileyo ibhekisela kwiinkcazo zemali kunye kunye ne-Exchange Traded Funds (ETFs) ezityala kwi -Agcregate Bond Index , eyaziwayo njenge-BarCap Udidi, oluyi-indeal ebanzi yobuninzi obubambisene nezibophelelwano ezithengiswayo zase-US kunye namanye amabhondi angaphandle angathengiswa kwi-US Investors angabamba ukusebenza kweemarike ngokubambisa i-intanethi kunye ne-ETF efuna ukuphindaphinda ukusebenza isalathisi. Imizekelo yeFund iquka iShares Barclays Capital Aggregate Bond Index (AGG) kunye neVanguard Total Bond Market Index Fund (VBMFX). Nangona kunjalo, khumbula kwakhona ukuba i-index index ilawulwa ngokungathandabuzekiyo, oko kuthetha ukuba umphathi akakwazi ukwenza utshintsho lokunyuka kwamazinga. Ngoko ke, ezinye iimali zenkcazo zilahlekelwa kwiimali ezilawulwa ngamandla. Ngamazwi ahlukeneyo, imali yenkcazo yinto efanelekileyo kwimimandla engabonakaliyo, xa abaphathi abasebenzayo bathambe ukwenza iimpazamo ezininzi.
- Iimali zeBond ye-Rising Interests Rates : Ukuba ukholelwa ukuba inani lentengo kunye nokunyuka kwamaxabiso kuya kuphakama ngowama-2015, kukho iintlobo zeengxowa-mali ezizinzileyo ezinokunciphisa umngcipheko wezinga lomyinge. Ukunyuka kwamaxabiso okunyuka kwenza amaxabiso amabhonkco ahla kodwa ekude ukukhula, amaxabiso angaphezulu aya kuwa. Ngoko ke into echasene nayo iyinyani: izibhonkco zokukhula okufutshane ziza kwenza ngcono kunezo zinobunzima obude kwizinga lokunyuka kwenzala kuba amaxabiso abo. Nangona kunjalo, gcinani engqondweni ukuba "ukwenza ngcono" kusenokuthi uthengisa amaxabiso, nangona ukuhla kwezinto kunzima kakhulu. Ikhredithi yebhondi ekwazi ukusebenza kakuhle yiVanguard i-Short Bond Index Index (VBISX). Ngenxa yokunyuka kwamaxabiso, ungacinga ukusebenzisa i- fund ye-treasury-protected securities (TIPS) . Ezi zibophelelo zemali ziyakwenza kakuhle nje ngaphambi nangaphezulu kwimihlaba yokunyuka kwamaxabiso, edla ngokubambisana nokukhula kwamaxabiso kunye nokukhula kwezoqoqosho. I-fund ye-TIPS ye-TIPS yiVanguard ye-Inflation Protected Protected Fund (VIPSX). Unokucinga kwakhona ngemali ehambelana neendleko ezihambelanayo, ezinokuthi zilungele ukunyuka kwamazinga kwaye zikwazi ukwenza ngcono kunokuba zichazwe kwiimakethe zentengiso ebanzi.
Iimali zeBond ezibi kakhulu zokuTyala imali ngo-2015
- Iimali zeBond zexesha elide ngokutsha zityalomali kwizibophelelo ezinokukhula ngaphezu kweminyaka eyi-10. Ngako ke, ezi zimali zentengo zinomngcipheko omkhulu wenzalo . Xa ixabiso lomdla kulindeleke ukuba liwe, iibhondi zexesha elide libhetele phambili ekutheni ibhajethi enxulumene neentlawulo ezinxulumene neengxowa-mali ezifutshane kunye nexesha eliphakathi. Ukuchasene kuyinyaniso ngokunyuka kwamazinga omyinge (iindleko zebhondi zangexesha elide ziza kukhawuleza zifaniswe nokukhula okufutshane kunye kwaye kuya kubangela ukubuyiswa okungekho kumtyalo-mali wexesha elide).
- Imali yeBond yeNtengo ephakamileyo (i-Junk) yeBond : Ukongeza kwimilinganiselo yemali, abatyali-mali kunye neemarike eziphambili zichaphazela ukuthengiswa kwamaxabiso kunye nezivuno. Njengoko uqoqosho lukhula kwaye abatyali-mali baqala ukujonge phambili ekutyekeni kwemali, abavumelanga ukuhlawula amaninzi kwiintlawulo ezinobungozi obuphezulu kunye nezibopho ezingenayo i-junk zinomngcipheko omkhulu ongagqibekanga kunokuba zibophezele ngokugqithiseleyo kwiibhonki ze-credit.
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.