Kana tave kupinda mukudyara muzvibatiso❶ izvo zvinosanganisira njodzi shoma, tinofunga nezve mabhondi uye kubatanidza mari yekudyara. Pooled funds imari yega yega inobatanidzwa pamwechete muboka. Ngatitarisei mapoka maviri akakosha emari yekudyara nhasi - Bonds neETFs kana Exchange Traded Funds.
Mabhondi anowira pasi pezvibatiso zvemuhoro zvakatarwa❷ ukuwo maETF achigona kuuya pasi pehomwe dzakabatana, mari yechikwereti➌ uye zvakare anogona kutariswa sesecurity yemuhoro zvichienderana nechikamu chavo.
Iwe unogona kunge uchiziva izwi rezvisungo, uye kana iwe uri mu-hard-core investing, unogona kunge wakaisa mari muETFs, kana kuti wakanzwa nezvazvo. Ngationei munyaya ino kuti ndezvipi zvakanakira kuisa mari mumabhondi maringe neaya mabhenefiti ekudyara muETFs. Tichakurukurawo njodzi uye kuipa kweimwe neimwe mhando yekudyara.
Zvisinei, tisati taisa maBond neETFs, ngatitangei kunzwisisa mazwi zvakadzama.
Ongorora: Mukupedzisira, iwe unowana glossary yematemu akashandiswa muchinyorwa chino. Iyo glossary yakabatanidzwa kuti kuverenga kwako kuve nyore uye kubatsira kunzwisisa kwako kwemazwi emari anoshandiswa.
zvisungo
Bond chikwereti chinobhadharwa kuhurumende kana sangano rakazvimirira pachinzvimbo chemhindu inobhadharwa kaviri pagore kana pagore. Paunotenga bond yekambani yeruzhinji kana yakazvimirira, unenge uchikweretesa mari kukambani iyoyo. Kazhinji, makambani anokwereta kuti awedzere kukura kwebhizinesi ravo. Hurumende nemasangano ehurumende akaita seMunicipality vanogona kukwereta mari mumabhondi ekuvaka zvivakwa zvakaita semigwagwa nezvikoro.
Paunotenga mabhondi, uri investor kukambani asi hausi wega chikamu chekambani semugove➍ -vane vabati. Bond-varidzi vakweretesi uye havana zvavanotaura kana mutoro kune chinokwereta.
Pakukura kwebhondi, unobhadharwa mari yekutanga kumashure. Mbereko yaunofanirwa kubhadharwa munguva yakaverengerwa yenguva, kazhinji kaviri pagore.
Iko hakuna kuchinjana➎ musika kana nzvimbo yepakati yekutengesa mabhondi. Mabhondi anotengeswa zvakanyanya pamusoro pekaunda uye kuburikidza nevatengesi vemabhondi. Mabhondi anogonawo kutengeswa pachivande pakati pemukwereti nemukweretesi.
Musika wemabhondi, kunyange wakapararira, wakakura pasi rose. MuIndia, musika webhondi uri kuwedzera kutariswa uye wakakura zvakanyanya mumakore mashanu apfuura.
Kune marudzi akawanda emabhondi, asi tinogona kuaisa muzvikamu zviviri zvikuru:
Zvisungo zveHurumende : Mabhondi akaburitswa neCentral and State Government, zviremera zveMasisita nemakambani ePublic Sector anouya pasi peHurumende Bond. Aya mabhondi dzimwe nguva anonzi Treasury Bonds.
Corporate Bonds : Aya mabhondi anopihwa nemakambani akazvimirira kuti asangane nekukura kwavo.
ETFs
ETFs kana Exchange Traded Funds, kusiyana nemabhondi, inotengeswa mukutsinhana. ETFs iboka rezvivimbiso zvakabatanidzwa pamwe chete zvekutengeserana. ETFs, sematokisi, inogona kutengeswa zuva nezuva.
Nzira yakanakisa yekunzwisisa maETF ndeyekufunga nezve boka remasheya➎ kana mabhondi kubva kumakambani akasiyana anotengeswa sese.
ETFs inogona kuumba mabhondi kana masheya eimwe indasitiri segment, seIT, kana inogona kunge iri motley yemabhondi / masheya emaindasitiri akasiyana.
Nzira iri nani yekunzwisisa maETFs inogona kuve yekuafananidza nemutual funds➏ . Zvechokwadi, mutual funds uye ETFs dzinogovera huwandu hwemaitiro. Ngatitarisei.
- Ose ETFs uye Mutual Funds zviri nani zvekudyara sarudzo kune vanoisa mari vasingafarire kushingaira kuita zuva nezuva kuongorora musika uye chiitiko.
- ETFs uye Mutual Funds inotarisa pane zvakabatanidzwa sarudzo dzekudyara kureva kuti dzinopa sarudzo dzekudyara pamaindasitiri akasiyana kana makambani akasiyana eindasitiri imwe chete.
- Zvose ETFs uye mutual funds zvinotengeswa mukutsinhana.
- Ose ari maviri anotungamirwa nemaneja ekudyara kana vatengesi.
ETFs muIndia, inowira muzvikamu zvinotevera:
Bond ETFs
Bond ETFs inogona kunge iine hurumende kana zvisungo zvekambani kana zvese.
Index ETFs
Index ETFs ine masheya emaindasitiri akasiyana.
Chikamu ETFs
Sector ETFs ine masheya emakambani kubva kune imwe chikamu.
Ndarama ETFs
Ndarama ETFs inotengesa mumusika wegoridhe. Bullion goridhe inocherwa goridhe iro 99.5% yakachena. Mitengo yebhirioni yegoridhe inokwira nekudonha nemutengo wegoridhe chaiwo. Mutengo weGoridhe ETFs wakavakirwa pakukwira nekudonha kwebhuru, uye zvisina kunanga pamusika wegoridhe wenyama.
Bank ETFs
Mabhengi ETF ane masheya emabhangi.
International ETFs
International ETFs inodyara mumasheya uye mabhondi emakambani ekunze.
Kuda kutenga SOVEREIGN GOLD BONDs? Verenga chinyorwa ichi kuti uzive zvakawanda.
Saka ndekupi kwaunofanira kuisa mari - Bond kana ETFs?
Zvino ngatitarisei mubvunzo mukuru - kupi kwaunofanira kuisa mari? Bond kana ETFs? Kuti tipindure mubvunzo nenzira yakanaka, ngatitarisei zvinobatsira uye zvinokanganisa zveumwe neumwe.
Mabhenefiti eInvestment in Bond
- Mabhondi zvikwereti zvinopihwa kumakambani, uye unowana zvikwereti nguva nenguva pazvikwereti. Ichi chaicho chimiro chezvisungo chinoita kuti asanyanya kushanduka pane masheya.
- Zvisungo zvinobatsira pamatemu mapfupi uye epakati. Mabhondi anobatsirawo mupfungwa yekuti sezvo chiri chikwereti, unodzosa mari huru mushure memakore akatarwa. Kana iwe uine chinangwa chekushandisa mari yako kune imwe nguva inopedza mumakore maviri, zviri nani kuisa mumabhondi pane kuenda kubhangi rebhangi, sezvo mubereko wemabhondi uchange wakakwira.
- Bond investimendi inonyanya kubatsira kuchizvarwa chekare sezvo paine vimbiso yekudzoserwa kwemari huru.
- Kuve nemabhondi muinvestment portfolio yako❼ inotsvedzerera-mapumbu anopihwa nekusiyana kwemitengo yemasheya.
Benefits of Investment muETFs
- NeETFs, unogona kutengesa mumasheya, goridhe, mabhondi uye marudzi akasiyana-siyana ezvibatiso ane (mukuenzanisa) nenjodzi shoma yakasungirirwa.
- ETFs dzinotengeswa pakuchinjana, saka kune yakawanda liquidity➑ yakanamatira ETFs. Izvi zvinoreva kuti maETF anokwanisa kutengeswa zuva rese uye anogona kutengeswa pfupi➒ .
- ETF bhuroka mitengo ishoma, sezvo ivo vachingotarisirwa. Passive management of securities zvinoreva kuti hapana mashandiro anoshanda (nemaneja) paari kuisirwa mari. Muinvestment yeETF, mari inoiswa inoiswa muzvikamu zvese/mabhondi emakambani ese ari muchikamu ichocho cheETF.
- ETFs inobhadhara mutero sezvavanowanzo ziva➓ zvishoma kuwana mari❶❶ . Mazhinji ETF anotengesa nekutenga ndeekuregererwa❶❷ , uye haabhadhare mutero.
Zvakaipa zveBond
- Musika Volatility ❶ ➌ : Mari yechimbadzo inoenderana nekusagadzikana kwemusika. Pamabhondi enguva pfupi, kusasimba kwechimbadzo hakupe zvakakosha, sezvo mari dzechimbadzo dzichichinja-chinja.
- Njodzi Njodzi : Dzimwe nguva makambani anotarisana nekushomeka kwemari, uye anogona kutadza kubhadhara mubereko. Mumamiriro ezvinhu akaipisisa, makambani anogona kutadza kubhadhara mari yacho.
Zvakaipa zveETFs
- Kuwedzera Trade Fee : Kugara uchitengesa maETF panguva yekutengeserana kwemasikati kunozokonzera kukwira kwemubhadharo wekutengesa. Wedzera kune izvo komisheni yebrokerage pane imwe neimwe yekutengesa uye mutengo wekutarisira ETFs unokwira zvakanyanya.
Zvakare, masheya emakambani akasiyana ane mubhadharo wakasiyana wekutengesa, saka munhu haambove nechokwadi kuti yakawanda sei yavari kuburitsa muzita rekomisheni pavanenge vachitengesa ETF masheya. - Musika Volatility : Kunyange zvazvo yakagadzikana pane mabhondi nemasheya, ETFs zvakare iri pasi pekusagadzikana kwemusika uye kushanduka. Semuyenzaniso, Goridhe ETFs anoratidza kusasimba kwemusika wegoridhe wenyama.
ETFs vs. Zvisungo
Tinogona kufananidza maBond neETF pane zvinotevera paramita tisati tatora mhedziso yechiri nani chekudyara chiridzwa.
Diversification
Diversification inoreva kudzikisira njodzi yekudyara nekugovera mari kune akasiyana siyana ekudyara zviridzwa. Panyaya yekusiyana-siyana, ETFs inopa mari yakawanda yakasiyana-siyana sematokari / mabhondi emakambani mazhinji, uye maindasitiri mazhinji anogona kuisirwa mari.
Njodzi Njodzi
Nepo zvese maBond neETFs zvinotakura njodzi shoma yechikwereti pane masheya, njodzi mumabhondi yakakwira kana ichienzaniswa neETFs.Kusiyana kweETFs kunoita kuti isanyanya kukonzeresa kukanganisa kwechikwereti kamwe kamwe. Kana mamwe masheya kana mabhondi aparara, vamwe vanenge vachiri kubhadhara zvikwereti kana zvikamu.
Mari yeKomisheni uye Broker
Mabhondi anobatika kana kungoitwa zvinoenderana nekuti unoda kuti broker kana maneja wako abate sei mabhondi. ETFs inonyanya kutungamirirwa. Ne ETFs, panogona kuva nemakomisheni akasiyana akabatanidzwa kune akasiyana masheya / mabhondi kana kushambadzira kwezuva kunoitwa. Nezvose zviri zviviri zvisungo uye ETFs, mari inobhadharwa inogona kudzorwa kana iwe ukaita tsvakiridzo shoma usati waisa mari, uye tarisa pane prospectus zvakanyanya kune mamwe macheji ane chekuita nekutenga nekutengesa.
Fixed uye Variable Income
Mabhondi anobhadhara mhindu kamwe kana kaviri pagore. Mamwe ma ETF anobhadhara zvikamu, asi kazhinji zvishoma zvichienzaniswa nematokari. Zvakare, mabhondi anokura uye anodzosera mari yekutanga. Mazhinji ETFs haakure, uye iwe unogona kusambowana mari yako huru kana iwe usingaisi mari kwenguva yakareba.
Kutengesa Sarudzo
ETFs inogona kutengeswa kuburikidza neyako yenguva dzose Demat account. Mitengo yeETF inoratidzwawo pachena mukutsinhana, zvichiita kuti kutengeserana kuve pachena. Mabhondi anotengwa kuburikidza nemabhuroka, uye kune mikana yekutenga mutsauko wemutengo kubva kune bhuroka kuenda kune bhuroka.
Ngatitariseiwo nyaya yemaBonds ETFs vs Bond tisati tasvika pamhedziso yakasimba:
- Bond ETFs inosanganisira zvisungo zvemaindasitiri akasiyana kana eimwe chikamu. Mabhondi ndeekambani imwe chete. Panyaya yekusiyana, Bond ETFs inowana zvirinani pane mabhondi.
- Zvisungo zvinokura nekufamba kwenguva asi Bond ETFs kazhinji haina kukura. Izvi zvinoita kuti mabhondi ave akakwana kune pfupi uye yepakati-inomhanya investimendi.
- Mabhondi anobhadhara gore negore kana maviri-gore negore. NemaBond ETF, sezvo paine mabhondi akawanda, unowana mhindu inobhadharwa unenge mwedzi wega wega.
- Mitengo yeBond ETF iri pachena sezvairi kuratidzwa mukutsinhana. Bond ETFs inogona kutengeswa mukati mezuva rekutengesa maawa semasheya.
- Bond ETFs inogona kutarisirwa online kuburikidza neDemat account yako. Kumabhondi ekambani yega, unoda bhuroka rako rekutengesa kana mamwe mabhondi ekutenga.
Mutongo wedu nezve Investment muBond uye ETFs
Tinogona kugumisa zvakachengeteka kuti ese maBond neETF ane nzvimbo yazvo mune yekudyara portfolio.
Isu tinokukurudzira kuti uise mari muETFs kana uri:
- anotanga, uye kutsvaga mari isina njodzi.
- kuronga mari yenguva refu.
- kutsvaga tsime renguva dzose rekuwana mari nenzira yekufarira.
- kutarisa kuderedza mari inoenderana nekudyara senge brokerage uye komisheni.
- vanoda kutanga nemari shoma yekudyara muzvibatiso.
Mabhondi akakunakira iwe kana uri:
- kutsvaga mari yenguva pfupi ine mhindu yakakwirira kudarika mabhanga.
- ziva musika webhondi zvishoma kare, uye waita tsvakiridzo yako usati watenga.
- vakagadzirira kubatanidzwa mukutsvaga chibvumirano chekutenga mabhondi sezvo mitengo inosiyana mumusika webhondi.
- yakagadzirira kuisa mari yakawanda mumusika wekuchengetedza.
Iwe unofanirwa kuyeuka kuti zvisinei-isina njodzi, zvisungo uye ETFs hazvidzivirirwe pamusika kusagadzikana zvachose.
Chidimbu chidiki chemubereko unoshanda nguva nenguva kuti uongorore kushanda kwebhondi yako uye ETF investments inogona kufamba nzira yakareba mukuunza zvibereko zvinodzoka pakudyara.
RUGWARO RWEMATAM AKASHANDISWA
❶ Chengetedzo : Securities midziyo yemari kana midziyo inogona kutengeswa nemutengo wemari.
❷ Fixed Income Securities : Fixed mari securities zvikwereti zvikwereti zvinobhadhara mari yakatarwa nenzira yezvido.
➌ Mari yeChikwereti : Mari yechikwereti imari yekudyara iyo yakagadzirisa mari yekudyara seyavo yakakosha mari.
➍ Zvikamu uye Zvitoro : Sitoko ichengetedzo inomiririra chikamu chemuridzi wekambani imwe kana akawanda. Mastock nemasheya zvine chirevo chimwe chete, nestock ichishandiswa nenzira yakajairika. Semuyenzaniso: Ndinogona kuva nemasheya mune yangu yekudyara portfolio, uye ndine migove yeABC Pvt. Ltd. Chikamu chinoshandiswa zvakanyanya kureva masecurities eimwe kambani. A stock inozivikanwawo se equity.
➎ Kutsinhana : Kutsinhana inzvimbo yepakati yemusika yekutenga nekutengesa midziyo yemari yakaita semasheya uye Mari Yakatengeswa Mari.
➏ Mutual Funds : Mutual Funds imhando yekudyara kwakabatana uko vanoisa mari vanounganidzwa kuti vadyare mune dzakasiyana mari yekushandisa seETFS, masheya kana mabhondi. Mutual Funds inofambiswa zvakanyanya nekushingaira nenyanzvi.
❼ Investment Portfolio : Zvinhu zvako zvese kana zvibatiso zvinogadzira yako yekudyara portfolio. Kungofanana nebasa rako rebasa rinoratidza ruzivo rwako rwebasa, yako yekudyara portfolio inoratidza yako yekudyara. Senge portfolio yebasa, yako yekudyara mari yakanaka kana yakasiyana, uye inoratidza kudzoka kwakanaka.
➑ Liquidity : Mukudyara, liquidity ndiko kurerutsira kwekutengesa zvibatiso nemari pasina kurasikirwa.
➒ Kutengesa Kapfupi : Kutengesa pfupi inzira yekudyara iyo yaunotengesa masheya uchitarisira kuderera kwemitengo yemasheya, wozozvitenga zvakare nemutengo wakaderera. Pfungwa ndeyekuita purofiti kubva pakutenga zvakare nemitengo yakaderedzwa.
➓ Ziva : Chengetedzo kana masheya "ona" kana ichitengeswa mumusika. Kuchengetedzwa kwakagadziriswa kunokanganisa chimiro chemutero chemuiti wemari. Securities inogona kutengeswa sekuwana kuwana kana kurasikirwa.
❶❶ Capital Gains : Kana zvibatiso zvichitengesa nemutengo wakakwira kupfuura mutengo wavo wekutenga, zvinoguma nekuwana mari.
❶❷ Kudzikinurwa Kwemhando : Kudzikinura kunoitika kana uchibhadhara securities mitsva maererano nezvimwe rubatso panzvimbo pemari.
❶➌ Kusagadzikana Kwemusika : Kusagadzikana kwemusika kunoreva kusavimbika kwakabatana nemutengo ukakwira nekudzika kwezvibatiso zvakaita seETFs, masheya nemabhondi.
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