Iingcebiso ezibalulekileyo ngaphambi kokutyalomali
Kule nqaku, siza kujonga isikhwama sebhondi ngokubanzi iinkcukacha kwaye sibone ezinye iingqwalasela eziphambili kubatyalomali bamazwe ngamazwe.
Uluhlu olufutshane
I-Fund ye-Templeton Bond Fund isebenzisa ukuhlanganiswa kohlalutyo olulinganisiweyo nolungqinelanayo kunye nophando-phantsi komhlaba ukuchonga amathuba otyalo-mali. Iqela lijolise ekuqhubeni ukuhlalutya kwelizwe ngokucacileyo ukuchonga ukungalingani kwezoqoqosho ezikhokelela kumathuba amanani kwi-currencies, amazinga omdla kunye netyala lekhredithi , ngelixa uhlalutya ngokuqhubekayo umngcipheko kunye nokugxilwa kokugxilwa kwezinto njengoko ujikelezo lwezoqoqosho lwehlabathi kunye neentengo zentengo zivela.
Le ngxowa inokutshala imali encinci ye-$ 1,000 ibe malunga ne-$ 40 yezigidigidi kwii-asethi phantsi kolawulo, ngo-2017. I-Morningstar ifaka iphothifoliyo ye-fund njengengxaki emfutshane-inentsingiselo encinci yengozi engaphantsi kweminye imali - kunye neebhondi eziphantsi kwee-quality-eziza kukulindelwa ngeyona mali yehlabathi.
Ngokwenzuzo yokulungiswa kwemingcipheko, le ngxowa-mali iqhubekele ngokugqithiseleyo ibhenkmark zayo kunye nobungozi obufanayo.
Imirhumo yokulandela iyalisebenzisa kubatyalomali kwingxowa-mali:
| Ukulinganiswa kweendleko ezinkulu | 0.96 ekhulwini |
| Ixabiso leNkcitho | 0.93 ekhulwini |
| Umrhumo wokuthengisa we-Max Initial | 4.25 ekhulwini |
| CDSC | 0.00 ekhulwini |
| I-12b-1 Intlawulo | 0.25 ekhulwini |
* NgoJanuwari 2017 (ihlaziywa ngonyaka).
Ngokwe-Morningstar, ezi ntlawulo zingaphantsi kwemyinge yeemali ezifananisiweyo kunye ne-modest 23% yokuthengiswa kwemali kunceda ukunciphisa iindleko zorhwebo ezincedisayo ezinokutya. Iingxowa-mali ezininzi ezithengiswa nge- bond (i-ETFs) zingabonisa ukulinganiswa kweendleko ezincinane-malunga nama-0.20 ekhulwini - kodwa abatyali-mali abanakho ukufikelela kwiqela elifanelekileyo lolawulo kwi-team. Abatyalomali kufuneka baqwalasele le ntlawulo, nangona kunjalo, xa begqiba phakathi kotyalo-mali.
Izinzuzo kunye neengozi
I-Fund ye-Templeton Bond ye-Global Bond iye yaqala ukususela ngo-1986 kunye nerekodi eqinileyo xa kufike kwi-Performance and Morningstar ratings.
Izinzuzo zokutyalomali kwi-fund ziquka:
- Ukuchithwa . Iipotifoliyo zeengxowa-mali ezihlukeneyo ziquka indawo ezingaphezu kwezi-150 ezahlukileyo kwihlabathi. Ngoxa ezi zikhundla zihlala zihamba, i-fund yayinama-40 ekhulwini kwi-America, i-25% ye-Exposure e-Asia, i-4% ye-Exposure eYurophu, ngo-2017, kunye neepesenti ezingama-70 ezityalwe kwimali engenayo kunye neepesenti ezingama-30 ezityalwe ngemali.
- Management Management . Le ngxowa ilawulwe nguMichael Hasenstab ukususela ngo-2001 kwaye ixhaswe liqela elikhulu labahlalutyi abasemhlabeni wonke. Ikhono leli qela lokugqithisa ikhonkmark indexes ngenkathi ugcina ingozi kwizinga eliphakathi libahlukanisa namanye amaqela amaninzi kwindawo.
- Ubude obude . Ubude benkxaso-mali buhlala buthathaka, oko kuthetha ukuba i-fund ingenomngcipheko wezinga lomncinci ngaphezu kweemali ezixhaseneyo. Oku kungenza kubekho utyalo-mali oluthatywayo olungenakunjengoba iibhanki eziphambili zandisa ixabiso lentengo.
Ingozi yokutyalo mali kule mali iquka:
- Iingcipheko zeNgeniso yeNgeniso . Uninzi lwengeniso-mali olusisiseko luxhomekeke kwimilinganiselo yenzalo ebekwe ngamabhanki angundoqo. Ukongezelela, iholo elingenisiweyo liba lincinci kunamanzi ngexesha loxinzelelo lwezoqoqosho, oluya kuba nefuthe elibi kwi-fund.
- Iingozi zezobupolitika . Iimali zetyala leMongami zinomngcipheko omkhulu kunezibophelelo zasekhaya kuba ziphantsi komngcipheko omkhulu wezopolitiko . Ngokomzekelo, ilizwe linganquma ukungahlawulisi amabhondi kunye nokungafihlisiyo kwityala layo ngenxa yezinto ezingaphandle kolawulo lwazo.
- Umngcipheko weNzala . Amanqanaba omdla sele esondele kufuphi nerekhodi ehlabathini eliphuhlisiweyo emva kweengxaki zemali ka-2008. Ukunyuka kwamazinga enzala - njengoko kunjalo kwiUnited States ngo-2017 - kunokunciphisa amaxabiso amabhonkco kwingxowa-mali.
Ezinye iindlela zokuqwalasela
Kukho iintlobo ezininzi zeengxowa-mali zobudlelwane behlabathi kunye ne-ETFs. I-Morningstar iluhlu lweengxowa-mali ezihlukeneyo ze-Global Bond ze-300 ze-Global Bond, ngelixa i-ETFdb.com ibhala i-ETF e-20 edibana neendlela ezifanayo.
Ezinye ze-ETF ezidumileyo zehlabathi ziquka:
- IFundFront yeCandelo leNgeniso yeMali (RIGS)
- I-FlexShares Ikulungele ukufikelela kwiNgxowa-mali eyimali ekhoyo (RAVI)
- I-PowerShares Ihlabathi elifutshane elifutshane elifutshane lePortfolio (PGHY)
- I-SPDR Barclays I-International Treasury Bond ETF (BWX)
- iShares Wezezimali Zamazwe ngamazwe ETF (IGOV)
Ezinye iimali ezidibeneyo ezidibeneyo zehlabathi zibandakanya:
- I-Fund ye-PIMCO yeBhanki yangaphandle (PFOAX)
- INgxowa-mali ye-Inclusive Fixed Income Fund (PYGFX)
- IQumrhu leeNkcazo ze-International Consulting Fixed Income Fund (TIFUX)
- I-SEI ye-International Fixed Income Fund (SEFIX)
- I-DFA 5-Yr I-Global Fixed Income Portfolio (DFGBX)
Ngaphantsi
I-Fund ye-Templeton Bond ye-Global Bond yenye yezona zizwe ezidumileyo ezixhamliweyo kwilizwe jikelele. Ngomlinganiselo weenkwenkwezi ezintlanu ukusuka kwi-Morningstar kunye nembali yokubuyiswa kweenjongo zokubetha, abatyalomali bamazwe ngamazwe mabaqwalasele ngenyameko le ngxowa-mali njengenketho engenanto yokufumana iphothifoliyo. Nangona kunjalo, kufuneka bahlale bekhumbula iindleko ezinxulumene ne-fund kunye neemeko eziyimpawu ezikhethekileyo ezichaphazela iklasi ye-asethi.