Ua'ōleʻa mākou i ka hōʻailona Bond Index e uku mai iā Vanguard a me ka pono
ʻO kaʻoiaʻiʻo,ʻo kahi o nā pōmaikaʻi o ka hoʻokomoʻana i nā kumukūʻai hiki keʻoi aku ka nui me nā kālā pilikino ma mua o kā lākou mau ukana kālā ukana. Eia kekahi lā, makemake nui nā meaʻimi kālā eʻimi ana i nā kālā kālā e hōʻemi i ka nui o kā lākou kālā pilikino e hiki ai a hiki i nā haʻawina haʻahaʻa a me nā kumukūʻai helu kōkua i kōkua i kēlā hana.
ʻO kekahi manaʻo ka manaʻo nui o nā mea waiwai e hana,ʻaʻole i pololei maoli,ʻo ia wale nō ka loaʻa o nā kumukūʻai hōʻemi nui loa ma Vanguard Investments. ʻOiaiʻo Vanguard ka mea kānalua i ka mō'ī e hoʻolimalima ana i ka haʻawina kālā, aʻo ka hapa nui o nā pūnaewele hōʻailona maikaʻi loa i loko o ka Vanguard lineup , ua nui nā lima koho kūikawā ma nā hui kālā'ē aʻe, ma mua o Vanguard lanakila Fidelity Investments .
No laila, me kēia pūʻulu hope, e puʻunaue mākou i nā kālā pilikino maikaʻi loa ma nāʻano likeʻole, kahi e paʻi ai i nāʻano paʻa o nā mea nui.
ʻO nā kumukūʻai maikaʻi loa no ka Total Bond Market
Ināʻoe eʻimi ana i kahi kālā pilikino maikaʻi e mālama ai, aiʻoleʻoe e pono ai i kahi paʻa paʻa e paʻa ana i kahi waihona waiwai paʻa,ʻo ka waiwai paʻa o nāʻeke kālā he koho akamai. Eia kekahi mau mea maikaʻi loa:
- ʻO Vanguard Total Bond Market Index (VBMFX):ʻO ke kālā lapaʻau nui ma ka honua, VBMFX ke hāʻawi aku i nā mea hoʻolaha i ka honua holoʻokoʻa o ka māhele kūʻaiʻana o US, aʻoi aku i nā hōʻailonaʻoihana 8,500. No ka hanaʻana i kēia VBMFX, e hoʻokau i ka Barclay o ka US Ggregation Bond Index . ʻO ka lālā hoʻolālā no VBMFX he lalo 0.16 pakeneka pōhaku-a he $ 3,000 ka hakina mua loa.
- ʻO kaʻoiaʻiʻoʻo ke kālāʻo Fidelity's Total Bond (he 0.45 pakeneka) ma mua o ka VBMFX, hiki ke hoʻonuiʻia ka uku no ka hoʻokumuʻana o FTBFX i nā makahiki hou a me nā hua. ʻO ka waihona kālā kēia ma ke kauʻana i kāna mau paʻa (e pili ana i 1,300 i hoʻohālikelikeʻia me 8,500-plus no VBMFX) i loko o nā paʻahao i ka Huiʻo Barclay e hiki ai ke hoʻonui i nā loaʻa a me nā hua. ʻO kēia ka mea iʻoi aku ka pōʻino aʻe ma mua o nā kumukūʻai helu hōʻailona akā he kō koho maikaʻi loa ia me ka pono no nā loaʻa iʻoi aku ma ka lōʻihi. ʻO ka palena kūʻai mua loa no FTBFX he $ 2,500.
ʻO nā kumukūʻai maikaʻi loa no nā hōʻaiā lōʻihi
Mālama maikaʻi nā kumukūʻai lōʻihi i ka wā e hāʻule ana ka huina kālā a inā e makemakeʻoe e hoʻohui i kahi waihona pilina lōʻihi i kāu kōpili, hiki i ka hōʻai'ē hōkū koho maikaʻi. Loaʻa kekahi mau pane nui ma kēiaʻano: Vanguard a me ka Pono.
- ʻO Vanguard Long-Term Bond Index (VBLTX): Inā makemakeʻoe i ka hoʻolaha nuiʻana i kahi makai paʻa lōʻihi,ʻaʻoleʻoe eʻike i kahi koho maikaʻi ma mua o VBLTX. Mālama ka waihona i ka Bloomberg Barclays i ka US Long Government / Credit Float Revised Index, iʻoi aku ma luna o 2,000 aelike,ʻo ia hoʻi i kahi 60% o nā hui lōʻihi lōʻihi a me 40 pakeneka ka lōʻihi o nā US Treasury. ʻO ka lālā hoʻolālā he haʻahaʻa ma ka 0.16 pakeneka aʻo ka hoʻoili mua loa he $ 3,000.
- Ka Waiʻohoʻo Long-Term Treasury Bond Index (FLBIX): Inā eʻimi anaʻoe i kahi kūlana kiʻekiʻe i nā US Treasury mau makahiki lōʻihi,ʻo FLBIX kekahi o ka hōʻailona waiwai nui e hana i ka hana. ʻO ka waihona kālā e hoʻopili i ka liʻiliʻi he 80 pakeneka o kāna waiwai i loko o ka Lane Makahiki Makahiki US Treasury. Hoʻopiliʻia nā paʻahao a he 50 mau nūpepa ia. ʻO ka lālā hoʻolālā he haʻahaʻa he 0.20 pakeneka aʻo ka hoʻoili mua loa he $ 2,500.
ʻO nā kumukūʻai kūpono no nā hōʻa palena pōkole
He mau koho maikaʻi no nā mea kālā e hoʻolālā ana i nā pilikia pili kālā o ke kūleʻa me nā wā hoʻolimalima ma lalo oʻekolu makahiki.
ʻO nāʻaʻa pōkole pūkole hoʻi he hapa liʻiliʻi liʻiliʻi ka hopena,ʻo ia hoʻi he mea hiki keʻike i nā manaʻo i ka wā e piʻi aʻe ana nā uku uku (e hoʻolimalimaʻia nā kumukūʻai i nāʻaoʻao e pili ana i nā kumupanee uku).
- ʻO Vanguard Short-Term Bond Index (VBISX): Ināʻoe eʻimi ana i kahi hoʻolimalima liʻiliʻi i ka laulima o nā palena manawa lōʻihi,ʻo VBISX kekahi o nā pūnaewele paʻa maikaʻi no kāu kālā. ʻO ke kōpili e pili ana he 30% o nā paʻahana a me 70% o nāʻaina aupuni aupuni US. Hiki i kēia huila ke hāʻawi i ka palekana a me ka palekana e hiki ai ke hoʻohua mai i nā hua iʻoi aku ka maikaʻi ma mua o nā kālā likeʻole e mālama i ka 10% o nā waiwai i nāʻaha aupuni. ʻO ka lālā hoʻolālā no VBISX he 0.16 pakeneka aʻo ka hoʻoili mua loa he $ 3,000.
- ʻO ka Pono Pono Bond Treasury Bond Index (FSBIX): E like me ka inoa e manaʻo nei, e kau ana ka FSBIX i nā hōʻailona Treasury US. ʻO ka hoʻopaʻapili paʻapili paʻa iʻoi aku i ka 80 pakeneka o nā waiwai. ʻO ka'eneke waiwai o ka'eneke waiwai heʻoi aku ka mea iʻoi aku ma mua o nāʻahahui paʻa akā ua emi ke kaumaha o ka mākeke. No laila, ināʻoe eʻimi ana i kahi pilikino pili pilikino e pili ana i ke poʻokela i kahi manawa mālama pokole, hiki iā FSBIX ke koho koho. ʻO ka lālā hoʻolālā he 0.19 pakeneka aʻo ka hoʻolālā keu he $ 2,500.
ʻO ka hōʻailona kūponoʻo nā kumukānāwai o kaʻaha kālā
Inā eʻimi anaʻoe i ka hoʻololi i kāu mau waihona kālā ma waho aku o ka US, he koho akamaiʻo ia ke hoʻohanaʻana i kahi waihona kālā hōʻai'ē e mālama ai i nāʻaʻai haole.
- ʻO Vanguard Total International Bond Index (VTIBX): No nā mea kālā e makemake ana e hoʻohui i nā paʻahao'ē aʻe me kahi waihona kālā, aia wale nō kahi koho maikaʻi aʻo kēia kālā mai Vanguard. Huliʻo VTIBX e nānā i ka hanaʻana o ka hōʻailona e komo ana i nāʻano likeʻole, mai nā aupuni'ē aʻe a me nāʻaelike a me nā lālā pilikino,ʻo nā mea nui mai nā'āina i kūkuluʻia, akā, mai kekahi o nā māhele makamae i hoʻomohala muaʻia. ʻO ka lālā hoʻolālā he pōhaku lalo i ka 0.17 pakeneka aʻo ka kūʻai mua loaʻana he $ 3,000.
ʻO nā kumukūʻai waiwai kiʻekiʻe no nāʻano'ē aʻe
Nui nāʻano kālepa o nāʻaha, akā he mau mea i loaʻa e like me ke kumukūʻai hōʻoia a he kūpono no ka mālamaʻana i nā mea mālama kālā heʻaha piliʻole i kaʻauhau a me nā hōʻai'ē palekana mālama'āina (TIPS). Ma mua o Vanguard a me ka Ponoʻo nā koho kūikawā'ē aʻe maʻaneʻi:
- ʻO ka hōʻailona o kaʻauhauʻauhau- kāpaeʻole (VTEBX):ʻO kēia pūnaewele hōʻailona hoʻolaha hoʻolaha nui i nāʻaha aupuni,ʻaʻohe e ukuʻia ma kaʻauhau ma ke kūlana kālā kālā. Hoʻolako kekahi mauʻahahui aupuni i ka uku kālāʻauhauʻole, akā, no nā moku'āina a me nā kaona kahi e ola ai ka mea kūʻai waiwai. Akāʻo ka hoʻohaʻahaʻaʻana iāʻoe iho i kahi hoʻokahi kūlana, e hōʻemi ana i nā pono no nāʻoihana kiʻekiʻe aʻe a me nā hoʻihoʻi lōʻihi lōʻihi. No laila, he kālā akamai ka kohoʻana o ka waihona kālāʻauhauʻauhauʻauhau likeʻole me VTEBX. ʻO ka lālā hoʻolālāʻo VTEBX he 0.25 pakeneka aʻo ka kūʻai mua loa he $ 3,000.
- ʻO ka hōʻoia hōʻoiaʻo ka hōʻai'ē kālā hōʻai'ē (FSIQX): E hiki ke hana i nā koina mālama palekana i ka hōʻailona kālā (TIPS) ma keʻano he pale e pili ana i ka hoʻonuiʻana aʻo FSIQX kekahi o nā pūnaewele maikaʻi loa o TIPS ma laila. ʻO ka lālā hoʻolālā he haʻahaʻa loa i ka 0.19 pakeneka aʻo ka palena kūʻai mua loa he $ 2,500.
ʻO kahi hoʻolaha ma ka hōʻai'ē hōkū kālā ma mua o ka kūʻaiʻana
ʻO nā'eneke helu hōʻailona waiwai nui loa a hiki iā lākou ke paʻi i nā kālā i mālamaʻia ma ka holo lōʻihi. Eia naʻe, ma muli o ka mālama ponoʻiaʻana o lākou,ʻaʻole hiki i nā kāpena hoʻopuka ke kūʻai mai a kūʻai aku i nā hale i ko lākou manaʻo. Ke piʻi aʻe nei ka uku uku, hiki i kēia ke kumu kūpono no ka mea ua hoʻokauʻia ka mana o ka luna kālā hōʻailona e paʻa i nā mea paʻa iʻoi aku ka uku ma mua o nā kālā likeʻole e mālama ponoʻia ana.
Ma nā huaʻokoʻa, inā e kokoke ana ka hāʻuleʻana o nā kumukūʻai mai kahi pali mai, ua koiʻia ka luna waihona pūnaewele hōʻeuʻeu e hele i ka pali, kahi hikiʻole i ka pūʻuluʻoi aku ke pale i kaʻoi o ka hāʻule.
Me ka'ōleloʻana, ua hoʻomaka ka mana o nā luna pūnaewele paʻa i ka piʻiʻana o ka huina kumukūʻai, a me ka hāʻule likeʻana o ka uku o nā uku hoʻopaʻa, i ka hoʻomakaʻana o 2010. Akā, ua hewa lākou. ʻAʻole i hoʻololiʻia nāʻaina a hiki i ka makahiki 2013, akā ua huli nuiʻia ka maikaʻi ma o ka 2017.ʻO ka hōʻai'ē hōkū kālā uaʻike i ka nui o nā kālā mai ka makahiki 2014 a hiki i ka 2016.
ʻO ka laina lalo,ʻaʻole hiki i nā luna waiwai kālā ke hoʻolaha pololei a me ka wānana i nā makelia e hana ai ma mua. ʻO ke kumu kēia o ka loaʻaʻana o nā kumukūʻai o ka helu kuhikuhi i ka manaʻo hoʻokele waiwai maikaʻi loa no nā mea waiwai nui.
Ka Hoʻohaha:ʻO kaʻike ma kēia pūnaewele ua hoʻolakoʻia no ke kūkākūkāʻana wale nō, aʻaʻole pono e kuhiʻia e like me ka'ōlelo aʻo kālā. ʻAʻohe kumu e hōʻikeʻia kēiaʻikepili i manaʻo e kūʻai a kūʻai aku i nā palekana.