Iimali zeBond Best Best ngo-2018
Ukufumana iimali ezigqwesileyo kwiibhondi ngo-2086, ukuthetha okuncinci, kuya kuba ngumngeni. Kodwa apha zikho izikhokelo eziqhelekileyo zokuthenga utyalo-mali olungenisiweyo kulo nyaka.
Iimali zeBond ezigqwesileyo zokuPhakamisa amaRhafu eNzala
Enye indlela yokutshala imali kwiimali ezibophelelweyo ngexesha lokunyuka kwamaxabiso kunokuba isebenzise imali yexesha elifutshane. Ngokuqhelekileyo, iibhondi ezinokukhula okude ziwela ngaphezulu kwindleko kunezo ezinomlinganiselo omfutshane. Ngoko ngokusebenzisa iimali ezixhaswa kunye kunye nokukhula okufutshane, unokunciphisa umphumo ongezantsi wexabiso lokuwa. Kule meko, abatyali-mali banokuqwalasela iimali zebhanki ezifutshane .
Enye indlela yokulawula ukungaqiniseki ngokunyuka kwezinga lokungenwa kwenzalo kukusebenzisa i-fund efanayo. Elinye le ngxowa yiLoomis Sayles Bond (LSBRX). Umphathi uDan Fuss uye waba neminyaka engama-55 yamava kwishishini lokutyalo-mali kwaye uye waba neLoomis, i-Sayles neNkampani ukususela ngo-1976. Ingeniso engenako ingenakunzima kwaye ilukhuni ukulawula ngaphezu kweefotfoliyo ze-stock. Ngoko umphathi onobuchule kunye novavanya kuyimfuneko yokutshala imali kwi-fund. Kodwa gcinani engqondweni ukuba i-LSBRX inokutshala imali kwizibophelelo eziphezulu, ezinokubona ukuhla kwexabiso xa uqoqosho luba buthathaka.
Intlawulo efanelekileyo yokuxhasana kwemali ukuhlala idibeneyo yiVanguard i-Total Bond Market Index (VBMFX).
Indlela yokwazi ukuba nini ukuthengisa iiNgxowa zeBond
Ukuba iimali zebhanki zilindeleke ukuba zifike kwixabiso ngo-2016 ngaba bekungekho bulumko ukuba uthengise iimali zakho zeekhredithi ngoku kwaye utshintshe inxalenye efunyenweyo yengeniso-mali yakho ibe yimali? Lo ngumbuzo ocelomngeni kodwa impendulo ilula kakhulu ukuba ungumtyalomali wexesha elide.
Ukuba ubheka emva kweminyaka emininzi edlulileyo, ungabona ukuba izitokisi zinomnye wemisebenzi yazo efanelekileyo kwiimbali, kanti iibhondi azizange zenze kakuhle kule minyaka embalwa edlulileyo, ngaphandle kweendawo ezimbalwa ezikhanyayo zexabiso lesibhondi.
Le ngongoma apha kukuba iibhanki zemali zingabhubhisa imali, oko kuthetha ukuba amaxabiso amabhondi awa, ngokukodwa xa kulindeleke ukuba inzala yenzalo iphakame.
Kodwa akunjalo na indlela ukuhluka kwezinto okumele kusebenze ngayo? I-asethi enye ibonakala kakuhle kwaye enye i-asethi isebenza ngaphantsi komyinge. Oko kubizwa ngokuthi ibhalansi elungileyo, kungekhona isabelo esibi! Kwakhona, ukuba unamaxabiso edoli-mali kwiimali ezibophelelweyo, uthenga amasheya njengoko awela kwixabiso. Ngoko xa amaxabiso aqala ukuvuka kwakhona, intengo yakho "yesilinganiso" isezantsi kwaye ngoko uzuze ngakumbi xa bebuyisela emuva.
I-Outlook yeBond Fund kwi-2018
Nanku umgca wokuthenga iimali ezigqwesileyo ezigqithisiweyo kwi-2018 nangaphezulu: Ukuba ufuna ukunciphisa umngcipheko kuqala kwaye ukwandisa intlawulo yesibini, eyona nto iyingqiqo yezobulumko zokutshala imali, awuyi kukushiya ngokupheleleyo umbono wakho wexesha elide kodwa uhlale uhlukile.
Ukongezelela, ngubani oza kuthi uqoqosho luya kuphinda luyekeze kwaye iibhondi zibambelele kwiimilinganiselo zazo okanye zikhuphuke kwixabiso njengoko izitokisi ziye zisezantsi ukuya kwimbuyekezo engalunganga?
Akukho mntu uyazi. Yingakho isicwangciso sokuthenga kunye nesibambiso sizama ukusebenza ngokusemgangathweni kuninzi lwabatyalo-mali.
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.