10 Uku kālā hoʻolimalima maikaʻi

ʻO kēia mau Bond Mutual Funds He Top Choices no ke Kūʻai Loa Loa-Yield

Inā makemakeʻoe e kūkulu i kahi kōpili likeʻole o nā hoʻokomo kālā loaʻa kālā, ponoʻoe i nā kālā pilikino kiʻekiʻe e kōkua i kāu kālā kālā .

Ke huliʻoe i nā kālā pilikino kiʻekiʻe kiʻekiʻe, eʻike ponoʻoeʻaʻoleʻoe eʻimi nei wale no nā mea kiʻekiʻe loa. Aia kekahi mauʻanoʻokoʻa e noʻonoʻo ai i ka wā eʻimi ai i ke kālā maikaʻi e kūʻai.

He aha nāʻae kūpono kiʻekiʻe?

ʻOiai iʻikeʻia he mau līlī palaka ,ʻo nā'oina nui-yield nā paʻa e uku i nā mea iʻoi aku ma muli o kaʻike haʻawina haʻahaʻa pili haʻahaʻa.

Ma keʻano kiko'ī, nāʻaelike, a me nā hui e puka ana i nā kaula hoʻopaʻa, e loaʻa i nā koina hoʻolālā hanohano ma lalo o nā kumu kūʻai (he hōʻaika ma lalo o BBB e nā Pohōli & Poor a iʻole Baa e nā keʻena hōʻike hōʻai'ē moody. Hiki i kahi palapala ke loaʻa ka uku hōʻai'ē haʻahaʻa no ka hopena o ka paʻakikī ma kaʻaoʻao o ka mea e hāʻawi ana i ka palapala hoʻopaʻa.

No laila, ma muli o kēia pilikino koʻikoʻi,ʻo nā mea e hoʻopuka ana i kēia mau paʻa e uku i nā uku hoʻolimalima e uku i ka poʻe kālā kālā no ka kūʻaiʻana i nā kaula paʻa, no laila keʻano inoa kiʻekiʻe .

E noʻonoʻo i kāu heluʻai pono'ī. ʻO nā mea ukupane me nāʻilihune haʻahaʻa (haʻahaʻa) e uku mau i ka huina kālā ma ka hōʻai'ē a iʻole ka pāleka kāleka hōʻai'ē ma mua o ka poʻe lawe kālā me ka uku maikaʻi a maikaʻi. ʻO ia ka manaʻo like me nā mea e hoʻopukaʻia ana o nā kaula, nā hui, nā pono kīwila, a me nā moku'āina, nā aupuni āpau a me nā aupuni aupuni.

Pehea e koho ai i nā kālā kālā maikaʻi loa o Bond Mutual

Ma mua o ka kūʻaiʻana i ke kālā no ka hōʻoiaʻana i nā palapala kiʻekiʻe, aiʻole i kekahi mau hana'ē aʻe, he hapa piha o nā manaʻo e hana i ka wā o ka noiʻi a me ka hoʻonuiʻana.

Eia kekahi o nā kumu nui a iʻole nā ​​koho no ka kohoʻana i nā kālā pilikino kiʻekiʻe kiʻekiʻe:

• Keʻano o ka moʻokūkiʻi: Inā e mālamaʻia ke kālā ma kahiʻauhau kālā, hiki paha iāʻoe ke noʻonoʻo e kūʻai aku i kahi kālā kālepa nui o kaʻahahui'āina, kahi e loaʻa ai ka uku i loaʻaʻole i nāʻauhau ma ke kūlana kālā kālā. ʻO ka loaʻaʻole o nā kālāʻauhauʻauhauʻia no nā kālā iʻauhauʻia, e like me IRA a me 401 (k) s no ka mea,ʻaʻole iʻauhauʻia ka waiwai i ka mea kālā kālā aʻo ka waihona kālā hōʻoki nui i mālamaʻia i loko o kaʻike.

• Kāleka'Ake:ʻO ka hōʻano houʻana a me ka ho'ākākaʻana i ka helu mua,ʻaʻole nui ka waiwai o nā kālā pilikino liʻiliʻiʻole i nā mea kūʻai i nāʻauhauʻauhau kiʻekiʻe, kahi e hoʻonuiʻia ai ka uku kālāʻauhau, ke hoʻohālikelikeʻia i nā mea kālā i nāʻauhauʻauhau haʻahaʻa. No ke anaʻana i ka pōmaikaʻi o ka hoʻohanaʻana i nā kālā pilikino liʻiliʻiʻole, hiki i nā mea kālā ke helu i ka huahuaʻauhauʻauhau , i kekahi manawa i kapaʻiaʻo ka puka kūpono.
• Ka'Ake Kula'Aiwi: Kaʻauhauʻauhauʻauhau = ka uku noʻeneʻe '(1 - ka hōʻaia kālā)
• Ka Hoʻomaopopoʻana i ka Hoʻonāukiuki: Loaʻa i nā kālā kākoʻo hoʻolālā kiʻekiʻe ka hoʻihoʻi likeʻole, e like me kaʻoi aku o ke kiʻekiʻe o kaʻoihana ma mua o nā waihona pilina paʻa; Akā naʻe, hiki i ka hoʻohaʻahaʻa keʻoi aku kaʻino. Eia kekahi laʻana, i ka makahiki 2008, ka makahiki kaʻina kuhi o ka hōʻai'ē hōʻai'ē,ʻo ka hapa nui o ka hōʻai'ē kālā i hōʻole i ka 5 ma ka 10 pakeneka, akā, ua hoʻonuiʻia ka nui o ke kālā pilikino i 5 a 10 ka nui. I ka makahiki i hala aʻe nei, 2009, ua hoʻonuiʻia ke kālā o ka hōʻai'ē kiʻekiʻe he 10 a 20 pakeneka,ʻoiaiʻo ka paʻaʻana o ke kālā paʻa o ka hoʻopaʻaʻana i nā mea paʻa i 5 to 7 pakeneka. Ke laina lalo: Ināʻaʻoleʻoe e maikaʻi me ka nele i ke kumukūʻai,ʻaʻole hiki ke hāʻawi i nā kālā hoʻolimalima hōʻemi i ka meaʻoi loa noʻoe. ʻO kahi kūpono maikaʻi loa paha e like me kahi pūnaewele index index e like me Vanguard Total Bond Market Index (VBMFX), kahi e kau nei i ka Bloomberg Barclays US Aggregate Bond Index .

• Nā Pāʻoihana Hoʻoili: ʻOiaiʻoi aku ka nui o nā kālā pilikino kiʻekiʻe ma kaʻoihana kūʻai ma mua o nā kumukūʻai paʻa paʻa, hiki iā lākou ke kūpono me kahi kōkole likeʻole o ka waihona kālā. Eia kekahi laʻana, ināʻoe i kahi pūnaewele hōʻailona waihona, a me nā kumu kālā likeʻole, hiki i kahi kālā hōʻailona waihona hua'ōlelo he mea hōʻoluʻolu maikaʻi e hōʻano hou ana i kāu waihona.

ʻO nā kālā hoʻokomo kālā kiʻekiʻe loa

Ma muli o ka loaʻaʻole o kahi kālā hōʻemi nui-nui-āpau a pau, hōʻike mākou i kahi mauʻumi mau kūlana e hiki ke lilo i mea hoʻonui maikaʻi no ka mahaloʻana i kahi kōpili iʻoi aku.

Ma ka'ōlelo kūikawā, eia kā mākou kohoʻoi loa no nā kālā pilikino kiʻekiʻe:

1. ʻO Vanguard High-Export Tax-Exempt (VWAHX): Inā eʻimi anaʻoe i nā mea kiʻekiʻe a makemakeʻoe e hoʻemi i ka loaʻa kālāʻauhau me ka uku kumukūʻai, kāpili kālā kākoʻoʻole, hiki i ka VWAHX ke kūpono loa no kāu mau pono. ʻO ke kōpili iʻoi aku ma mua o 2,000 mau loina aupuni,ʻaʻohe auhau āpau ma ka pae aupuni. Ke hāʻawiʻia nei ka SEC no VWAHX he 2.87 pakeneka aʻo ka ōlā hoʻolālā he 0.19 pakeneka wale nō, a he $ 19 no kēlā me kēia $ 10,000. ʻO ka hoʻokumu mua loa he $ 3,000. E like me ka mea i loaʻa me ka hapa nui o Vanguard, hiki iāʻoe ke loaʻa i kahi'āpana hoʻolālā haʻahaʻa inā kūʻaiʻoe i nā'āpana Admiral, kahiʻoi aku o kahi kūʻai mua loa o $ 50,000.

1. ʻO Vanguard Long-Term Investment Grade Bond (VWESX): Me nā hua kiʻekiʻe, pono ka manaʻo o nā'elepalepa i kahi kūlana o kaʻoihana kiʻekiʻe, i ka hoʻohālikelikeʻia i ka pūnaewele paʻa. Eia nō naʻe, he hui maikaʻi maikaʻiʻo VWESX i nā kūpono kiʻekiʻe a me ka liʻiliʻi liʻiliʻi i ka hoʻohālikelikeʻana i ka meaʻoi loa o nā kaula. Hiki i nā lā lōʻihi ke hāʻawi aku i nā mea iʻoi aku ka nui ma mua o nā palena liʻiliʻi a me nā wā lōʻihi a me kaʻawelike no ka hōʻai'ē ma VWESX. ʻO ka loaʻaʻana o ka VWESX i kēia manawa he 3.57 pakeneka,ʻo ka lilo he 0.22 pakeneka wale nō, a he $ 3,000 ka hoʻolālā mua loa. Ka hoʻolahaʻana i nā waihona kālā hoʻopaʻa lōʻihi: ʻOi kaʻoi aku o ka hopena o ka uku kālā ma mua o nā kālā pilikino e paʻa ana nā paʻa o ka lōʻihi haʻahaʻa haʻahaʻa. Translation akā naʻe,ʻoi aku ka lōʻihi o ka hana lōʻihi ma mua o ka hapa palena lōʻihi.
2. Kākoʻoʻo T. Rowe Price Corporate Income (PRPIX):ʻO kekahi pūnaewele hōʻailona kiʻekiʻe e uku pono ana me ka laweʻoleʻana i ka hōʻai'ē nui loaʻo PRPIX. Eia kekahi, ma ke 'ano he' aelike pili manawaʻokoʻa, 'aʻole hiki i ka PRPIX ke hōʻemi i ka hopena o ka hopena o ka hōʻai'ē e like me ke kālā palekana lōʻihi. E hoʻohui i kēia mau mea me ka haʻahaʻa haʻahaʻa (0.60 pakeneka) a me ka hoʻolālāʻike (mai ka makahiki 2003) a loaʻa iāʻoe kekahi o nā kumu kūpaʻa kiʻekiʻe kiʻekiʻe loa e kūʻai. ʻO ka hoʻokumu mua loa no PRPIX he $ 2,500.
3. Ke kūlana kiʻekiʻeʻo ka pono (SPHIX): Ināʻo ka mea nui loa ka hua,ʻo SPHIX kahi maikaʻi loa. ʻO ka huina o ka 5.23 pakeneka o kēia manawa aia ma waena o nā mea maikaʻi loa no ka hoʻopaʻaʻana i nā kālā kālā, aʻo ka pālākene hoʻonui o ka 0.72 pakeneka he mea kūpono; akā naʻe,ʻo keʻano o ka hōʻai'ē o ka hapa nui o nā paʻa, aia ma lalo o ke kālā. No laila, ināʻoe eʻimi nei i kahi kālā pilikino maikaʻi, SPHIX kūpono ka nānā. ʻO ka hoʻokumu mua loa he $ 2,500.
4. Ke kūlana palekana Short Duration High Income (FSAHX): Loaʻa nā mea kūʻai i nā mea kiʻekiʻe akāʻo ka makemakeʻole o nā mea liʻiliʻi e makemake e nānā i ka FSAHX. ʻO ke ala liʻiliʻi haʻahaʻa e hoʻokumu i kānaʻilihune pono'ī akāʻo kaʻoihana kūʻai he hua kiʻekiʻe (4.03 pakeneka) a me ka lōʻihi no ka wā palena lōʻihi e hoʻemi ana i ka hopena o ka pānaʻi kālā, kahi i'ōlelo nuiʻia i ka hoʻonuiʻana i ka hoʻolimalima holoʻokoʻa. ʻO ka uku no FSAHX he 0.80 pakeneka aʻo ka hoʻokumu mua loa he $ 2,500.
5. Fidelity Capital & Income (FAGIX): He kūlana kūʻokoʻa kēia kumukūʻai i ka hoʻonuiʻiaʻana o ka manawa ākea no ka hāʻawiʻana i kekahi hapa o nā waiwai (e pili ana i 20 pakeneka) i nā puʻu waiwai. ʻO ka hōʻailonaʻana i nāʻoihana e hoʻopuka i kahi pōʻai o ka mākeke akā hiki ke hiki ke hana i ka wai ma mua o ka manawa. ʻO ka lālā o ka manawa no ka FAGIX he 3.60 pakeneka aʻo ka ōlā hoʻolālā he 0.73 pakeneka. ʻO ka hoʻokumu mua loa he $ 2,500.
6. ʻO Vanguard High-Yield Corporate (VWEHX): E nānā ana nā meaʻimi i nā kūlana kiʻekiʻe a makemake e lawe i nā pilikia i loaʻa iā lākou, e makemake lākou i nā mea a lākou iʻike ai ma VWEHX. ʻO ka hapa nui o ke kōpili i loaʻa nā paʻahao ma lalo o ke kūlana haʻawina akāʻo ka loaʻa o 4.78 pakeneka a me ka emi o nā lilo o ka 0.23 pakeneka paha, he mea hoʻolimalima maikaʻi ia no nā mea hoʻolako waiwai kiʻekiʻe. ʻO ka hoʻokumu mua loa he $ 3,000.
7. ʻO Vanguard Long Term Corporate Bond Index (VLTCX): Inā makemakeʻoe i nā kumukūʻai helu haʻahaʻa a makemakeʻoe i nā hua kiʻekiʻe, VLTCX e kau i kāu papa inoa papa no ka hoʻohuiʻana i kāu kōpili. ʻOiai e loaʻa wale ana kēia kālā ma nā mahele Vanguard o Admiral,ʻo ia hoʻi he pono e ponoʻoe e hālāwai me ka hoʻokumu mua loa o $ 10,000 no ka hoʻomakaʻana,ʻo ka hoʻolālā haʻahaʻa haʻahaʻa wale nō o 0.07 pakeneka a me ka papahana o kēia manawa he 4.07 pakeneka. manaʻo.
8. Kaleponi Hōʻaleʻa Loa Loaʻa (VCITX):ʻOiaiʻo VCITX kahi'aupili mālama'āina,ʻaeʻole ka uku mai ka waihona kālā ma ke aupuni federale a ma ka moku'āina (ināʻoe e noho ana i ka moku'āina kahi i hoʻopukaʻia ai kaʻaha'āina ). ʻAʻole loaʻa i nā manawa kālā ka uku kiʻekiʻe. Akā, i kou wā e noho ana i kahi moku'āina me nāʻauhau kiʻekiʻe, hiki i ka moku'āina a me ka federal ke hui pūʻia me ka uku ākea. ʻO ka māhele no VCITX he 2.30 pakeneka. Ke hoʻohālikelikeʻoe i ka huahelu pili kālā, e piʻi i kahi kokoke i 3.5 pakeneka. ʻO ka lilo no ka VCITX he 0.19 pakeneka aʻo ka hoʻoili mua loa he $ 3,000.
9. New Tax Long Term Tax Exempt (VNYTX): No ka mea like hoʻokahi i koho aiʻo VCITX i kahi koho akamai no nā mea kūʻai waiwai kiʻekiʻe ma Kaleponi, hiki i nā mea hoʻolimalima kālā o New York ke noʻonoʻo iā VNYTX. E hoʻomanaʻo i nā maikaʻi o nā kālā hoʻolimalima kālā i ukuʻia no nā hōʻike kālāʻauhau wale nō. ʻO ka māhele no ka VNYTX he 2.27 pakeneka a me ka huahuaʻauhau likeʻole e pili ana i ka nui o nā poʻe o New York ma mua o ka 3.0 pakeneka. ʻO ka lilo no ka VNYTX he 0.19 pakeneka aʻo ka palena mua loa he $ 3,000.

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.