Stocks Vs. Bonds
Mudo toban sano ah (oo dhammaaday 30-kii Sebtembar 2014), S & P 500 - qiyaas ahaan waxqabadka shirkadaha waaweyn ee Maraykanka - waxay diiwaan gashan celcelis guud celceliska sanadlaha ah ee 8.11%.
Marka la barbardhigo, suuq-geynta debaajiga gudaha, sida ay muujinayaan Isku-darka Barclays ee Isku-dhafka Mareykanka, wuxuu celceliska celceliska sanadlaha ah 4.62%. Bonds ayaa sidoo kale hoos u dhigtay kaydka caalamiga ah ee suuqyada, taas oo kor u kacay 6.32% sanad walba celcelis ahaan, iyo kaydka suuqyada, oo soo celiyay 10.68% sanadkiiba.
Inkasta oo kaydku uu ka fiicnaaday 10 sanadood oo ka badan lacagta curaarta, waxaa muhiim ah in la xusuusto in curaarta ay bixiyaan kala-duwanaansho iyo in joogitaanka curaarta ay gacan ka geysan karto sidii loo dejin lahaa isbeddelka suuqa saamiyada. Sidoo kale, waxaa jiri kara mudooyin dheeri ah oo ay ku xiran yihiin saamiyada badeecadaha ka baxsan - sida kiiskii laga bilaabo 2000-2002.
Soodhiga ugu wanaagsan ee Suuqyada Suuq Bond, 10 Sano
Mid ka mid ah miisaaniyada ugu badan ee maalgashiga ayaa ah halis dheeraad ah oo la mid ah celceliska muddada dheer. Natiijooyinka 10-kii sano ee ugu dambeeyay, sida ugu wanaagsan ee suuqa kala iibsiga ayaa ah suuqyo soo-baxaya , oo celcelis ahaan celcelis ahaan celcelis ahaan 9.28% celcelis ahaan, iyo curaarta sare , oo soo celiyay 8.67%.
Labaduba waxay ku dhamaysteen S & P 500 - xitaa ka dib markii kaydkii 32% + ay heleen sanadka 2013 - iyo sidoo kale suuqa bondka guud ahaan.
Hoos waxaa ku jira qaybaha suuq-geynta ugu wanaagsan ee muddada 10ka sano ah, oo leh saamiyada waawayn iyo saamiyada stock ee isbarbardhigga.
- High Yield 7.98%
- Sicirada soo-kordhay 7.78%
- Waqtiga dheer ee shirkadaha US Bonds 6.97%
- Dammaanadda Dawladda Mareykanka ee muddada dheer ah 6.78%
- Shirkadaha Maal-galinta-Fasalka (dhammaanba dakhliga) 5.49%
- Barclays Qiyaasaha Isu-galka Bixinta ee US $ 4.62%
- S & P 500 Index 8.11%
Soodhiga ugu wanaagsan ee Suuqyada Suuq Bond, 5 Sano
Shantii sano ee la soo dhaafay waxay ahayd wakhti ay wanaajinayso xaaladaha dhaqaale , si tartiib tartiib ah u kordhay ganacsiyada maalgashiga khatarta, kor u qaadista dakhliga shirkadda, iyo dibad-bax ballaadhan oo ah saamiyada US. Waxay u horseedday in ay wax ka qabato heerarka suuqyada suuqa oo ugu nugul xaaladaha dhaqaale: canshuurta bixinta sare , deynta waaweyn , iyo deynta suuqa ee soo baxaya. Markaad eegto tirooyinkan, waa muhiim inaad maskaxda ku hayso in tirooyinkani aysan hubaal noqon doonin shanta sano ee soo socota :
- Sicirada soo-baxday 10.70%
- High Yield 10.36%
- Shirkadaha Maal--galka-Ganacsi (Dhammaan Dakhli) 10.57%
- Long-Term Bond-Iffs 8.69%
- Dammaanadda Dowladda ee muddada-dheer 6.99%
- Barclays waxay muujinayaan liiska bondyada Maraykanka 4.12%
- S & P 500 Index 15.70%
Xusuusin: Lambarrada 'shanta sano' ee tiradu waxay aad u korodhay labadii bilood ee la soo dhaafay, maadaama marxaladda ugu xun ee dhibaatooyinka dhaqaale ee 2007-2008 aan lagu darin xilligan shanta sano ah. Tixgeli caddaynta in xitaa tirada lambarrada waxqabadka mudada dheer ay noqon karaan kuwo marin-habaabin kara .
Sare u Qaadista Suuq Barta Sare, 3 Sanno
Muddada saddexda sano ah waxay la mid tahay shanta sano iyo toban sano oo ah in ay bixiso khatarta ah inay ku qaadato khatarta ku xirnaanta dareenka ugu sarreeya ee xaaladaha deynta - dhalidda sare iyo suuqyada soo baxaya - waxay si fiican u qabteen.
Ogsoonow, sidoo kale, in dhoofinta waqti-dheer ay sidoo kale si fiican u qabatay. Tani waxay sabab u tahay hoos u dhac ku yimid saamiga balaadhan ee dhacay 2011-2012, sidaas darteed dib u soo noqoshadaasi sidoo kale lagama yaabo in lagu celiyo. Dheeraad ah, saameynta dhaqdhaqaaqa 2011-2012 ayaa dhowaan noqon doona "ka soo kabashada dhabarka" seddex sanadood oo waxqabadka ah, sidaas awgeed qeybahaas kuma sii jiri doonaan liiska ugu sareeya shanda qaybood ee dhamaadka sanadka 2014.
- High Yield 10.62%
- Wada-shaqeyn muddo dheer ah 6.85%
- Amaahda Dadka Sare 6.66%
- Shirkad maal-gaaban-Shahaadle ah (dhammaan dakhliga) 5.47%
- Sicirada soo-kordhay 5.03%
- Barclays USD Index Index 2.43%
- S & P 500 Index 22.99%
Qaadashada
Waa run waxa sharaxaadda sharciga ah ee ku saabsan qoraallada maaliyadeed mar walba tiraahda: waxqabadka hore ma hubo natiijooyinka mustaqbalka. Si kastaba ha ahaatee, tirooyinka soo noqoshada ayaa noo sheega saddex waxyaalood. 1) maalgashadayaasha muddada dheer ma aha inay ka cabsanayaan inay halis galaan, 2) maalgelinta muddada dheer waxay sahli kartaa saameynta xitaa xitaa heerka ugu hooseeya suuqa (sida kuwa ka dhacay kaydka iyo saamiyada sare ee sanadka 2008) , iyo 3), bonds waxay ka ciyaari karaan kaalin muhiim ah mudada fogaanta kala duwanaanta.
Maskaxda ku hay marka aad dhiseyso sanduuqa maalgalinta.
* Calaamadaha loo adeegsaday waxaa ka mid ah: S & P 500, Shirkadaha yaryar ee Maraykanka: Russell 2000 Index, keydka caalamiga ah ee suuqyada: MSCI EAFE, keydka suuqyada cusub: MSCI Soo Saarista Suuqyada, Bixinta suuqa ee soo baxaya: JP Morgan EMI Global Diversified Index, Iskudhafka Sare ee Horumarinta Heerka Sare, Shahaadooyinka Dheeraadka ah ee Dawlada Maraykanku: Barclays Deeq Hoosaadkii Dawlada Maraykaku, Shahaadooyin Dheeraad ah oo Shirkadaha Maraykanka ah : Shaxda Barclays Shirkadda Lacagta Shirkadaha Dheerka ah ee Long-Time, TIPS: Barclays US TIPS Index, curaarta shirkadaha - dhammaan dakhliga: Barclays Heerka Dakhliga Shirkadaha ee Shirkadaha, Deynta Lagu Sameeyo: S & P / LSTA Heerka Deynta Lo'da, Bondhiyada Dabiiciga : Barclays Bank Bond In Index.
Diidmada : Macluumaadka ku yaal boggan waxaa loogu talagalay ujeedooyinka doodda oo kaliya, waana in aan lagu tilmaamin talo bixin maalgashi. Xaaladna maahan macluumaadkani waxay u taagan tahay talo soo jeedin si aad uga iibsato ama u iibiso suuqgeyn. Had iyo jeer la tasho lataliye maalgashi iyo xirfadle canshuur ka hor intaadan maalgashan.