Muab piv cov keeb kwm rov qab los nyob rau lub sij hawm muaj kev nce nqi siab

Tus yuam sij takeaways

• TIPS yog tsim los ua ib qho kev tiv thaiv kev nce nqi paj laum los ntawm kev coj mus rau hauv tus account tus nqi tam sim no ntawm kev nce nqi.
• Nyob rau lub sijhawm ntev, cov khoom lag luam tau txais cov tub ua lag luam qhov nruab nrab txhua xyoo rov qab los ntawm 7%.
• Txij li TIPS tau qhia nyob rau hauv 90s, lawv tau txais cov tub ua lag luam qhov nruab nrab txhua xyoo rov qab los ntawm 4%.

Dab tsi yog qhov txawv ntawm kev nqis peev hauv Treasury Inflation-Protected Securities (TIPS) piv rau cov lag luam Tshuag? TIPS yog indexed nrog kev nce nqi, txhais tau tias lawv yog cov kev nqis peev zoo dua li cov ntawv cog lus ib txwm - tab sis tsuas yog tias kev nce nqi nce. Lawv nyiam ua tau zoo tshaj plaws thaum kev lag luam tsis zoo. Txawm li cas los xij, yog tias kev nce nqi poob qis, lawv yuav ua tsis tau lwm txoj hauv kev thiab yuav hloov pauv ntau dua li nyiaj ntsuab.

Hauv tsab xov xwm no, peb yuav tshawb txog keeb kwm kev ua tau zoo ntawm TIPS thiab sib piv nrog cov khoom lag luam keeb kwm kev ua tau zoo. Txhawm rau nkag siab txog TIPS nyob rau hauv lub teeb pom kev lag luam tam sim no, peb yuav muab piv rau ob lub sijhawm nrog cov paj laum nce thiab tshuaj xyuas seb lawv daws li cas nrog kev nce nqi. Cov ntaub ntawv no yuav muab koj cov kev paub thiab kev xav xav tau los xaiv qhov twg thiab yuav ua li cas los nqis peev koj cov nyiaj.

TIPS ua haujlwm li cas

Txhawm rau sib piv TIPS tawm tsam kev lag luam Tshuag, koj yuav tsum xub nkag siab tias TIPS ua haujlwm li cas. Lawv ua haujlwm zoo li daim ntawv cog lus ib txwm muaj vim tias lawv muaj daim coupon ruaj khov uas daim ntawv cog lus them kom txog rau thaum tiav. Txawm li cas los xij, lawv lub ntsej muag tus nqi hloov pauv raws li kev nce nqi thiab US Consumer Price Index (CPI).

Piv txwv li, yog tias koj yuav 10-xyoo TIPS nrog 3% daim coupon tus nqi thiab $ 1,000 lub ntsej muag tus nqi, koj yuav khwv tau li 3% txhua xyoo rau tag nrho 10 xyoo yog tias kev nce nqi tseem nyob twj ywm. Yog tias kev nce nqi nce mus rau 5% xyoo tom ntej, tus nqi ntawm TIPS daim ntawv cog lus yuav nce mus rau $ 1,050.

Txij li cov paj tau hais txog tus nqi ntawm lub ntsej muag ntawm TIPS, 3% daim coupon koj tau txais tam sim no yog $31.50. Nrog rau daim ntawv cog lus ib txwm muaj, tus nqi ntawm lub ntsej muag yuav nyob ntawm $ 1,000, thiab 3% daim coupon yuav khwv tau koj $ 30 txhua xyoo.

Kev ua haujlwm keeb kwm ntawm TIPS

TIPS tau nyob ib puag ncig txij li xyoo 1990s, thiab lawv tau ua tau zoo thaum lub sijhawm ntawd. Tab sis lawv tsis tau muab cov nyiaj rov qab zoo dua piv rau lwm hom nyiaj tau los ruaj khov. Piv txwv li, los ntawm 2002 txog 2021, US daim ntawv cog lus rov qab 4.33%, thiab thoob ntiaj teb daim ntawv cog lus rov qab 4.43%. Txij li xyoo 2000, Vanguard TIPS fund (VIPSX) tau rov qab 4.83%.

Rau TIPS kom ua tau zoo dua lwm cov nyiaj tau los ruaj khov, kev nce nqi yuav tsum siab dua li cov kws tshaj lij kev lag luam kwv yees nws yuav yog.

TIPS tiv thaiv tib neeg tiv thaiv kev nce nyiaj txiag; Yog li ntawd, lawv yuav tsum tau ua kev qhuas rau lwm cov ntawv cog lus, tsis yog kev hloov pauv tag nrho.

TIPS kev ua tau zoo thaum lub sijhawm nrog cov paj laum nce

Txij li thaum pib ntawm TIPS, tsis tau muaj ntau zaus nce paj paj. Ib cag ntawm Kev Txom Nyem Loj hauv xyoo 2008, cov paj laum tau nyob ntawm lossis qis dua 3%. Thiab thaum peb saib seb TIPS tau ua li cas thaum xyoo 2008, peb tau txais cov cim sib xyaw.

Ib tug yuav xav tias lub sijhawm no ntawm kev nce paj paj TIPS yuav ua tau zoo tshaj lub lag luam - tab sis lawv tsis ua. Muaj ntau qhov laj thawj rau qhov no, suav nrog lub caij nplooj zeeg ntawm Lehman Brothers, uas yog tus tuav loj tshaj plaws ntawm TIPS, thiab yuav tsum tau muag sai sai thaum lub tuam txhab tawm mus ua lag luam. Nrog rau qhov dej nyab ntawm cov khoom siv no, nrog rau kev ntshai ntawm kev lag luam chaos, cov nqi poob. Yog li ntawd, tag nrho rov qab los ntawm TIPS poob.

Yog tias peb tshem tawm qhov tsis txaus ntseeg uas yog xyoo 2008 thiab lub caij nplooj zeeg ntawm Lehman Cov Kwv Tij, TIPS ua li cas thaum lub sij hawm nce nqi paj? Raws li cov paj laum nce mus, TIPS cov nyiaj them yuav tsum nce ntxiv. Tsis tas li ntawd, raws li CPI tseem siab, lub ntsej muag tus nqi ntawm TIPS nce tus nqi.

Vim li no, ntau tus neeg tau pib them nyiaj rau TIPS nyob rau xyoo tas los no vim tias lawv muaj kev tiv thaiv kev nce nqi paj.

Cov tub ua lag luam xav txog TIPS uas tsis tshua muaj kev pheej hmoo vim tias tsoomfwv Meskas txhawb nqa lawv, thiab tsis zoo li qub. Txawm li cas los xij, yog tias kev nce nqi pauv mus rau deflation, TIPS yuav hloov kho raws li thiab ua tsis tshua muaj txiaj ntsig, yog li tseem muaj qee qhov kev pheej hmoo cuam tshuam.

Keeb kwm kev ua tau zoo ntawm cov khoom lag luam

Cov keeb kwm nruab nrab rov qab los ntawm kev lag luam Tshuag yog 10%. Txawm li cas los xij, qhov no tsis suav nrog kev nce nqi. Xav txog qhov nruab nrab tus nqi nce ntawm 3%, cov tub ua lag luam tuaj yeem cia siab tias yuav khwv tau kwv yees li 7% txhua xyoo los ntawm kev nqis peev hauv cov lag luam Tshuag.

Koj yuav tsum nco ntsoov tias qhov no yog qhov nruab nrab, thiab kev ua haujlwm ntawm kev ua lag luam tag nrho tuaj yeem sib txawv ntawm ib xyoos mus rau ib xyoos, hli mus rau hli, thiab feeb mus rau feeb. Tsis muaj kev lav phib xaub koj yuav tau nyiaj hauv ib lub sijhawm.

Cov tub ua lag luam Tshuag tau txais txiaj ntsig zoo tshaj plaws thaum lawv nyob hauv nws mus ntev. Lawv nqis peev hauv cov khoom lag luam nrog cov nyiaj uas lawv npaj siab yuav txuas nrog tsawg kawg tsib lossis kaum xyoo vim qhov kev hloov pauv tau hais los saum no. Koj muaj peev xwm poob nyiaj ntau dua li kaum xyoo tshaj li ob xyoos.

Yog tias koj lub sijhawm nqis peev tsawg dua tsib xyoos, koj zoo dua xaiv qhov kev pheej hmoo qis dua. Koj tuaj yeem xaiv rau daim ntawv cog lus luv luv lossis txawm tias tus lej khaws nyiaj hauv online.

Kev ua lag luam Tshuag lag luam thaum lub sij hawm nce paj paj

Thaum cov paj laum nce, nws ua mob rau cov lag luam Tshuag (thiab tom qab koj cov nyiaj tau los) vim tias cov tub ua lag luam tuaj yeem nqis peev hauv cov khoom muaj nqis tsawg thiab tau txais txiaj ntsig zoo sib xws. Piv txwv li, ib lub Tshuag yuav rov qab 7% ib xyoos. Tab sis nrog nce cov paj laum, daim ntawv cog lus luv luv yuav them 5%. Muaj kev pheej hmoo tsawg dua ntawm kev poob nyiaj hauv daim ntawv cog lus, yog li qee cov tub ua lag luam xaiv qhov kev nyab xeeb ntawm daim ntawv cog lus tshaj cov khoom lag luam 'volatility. Thaum qhov no tshwm sim ntawm qhov loj dua, lub khw lag luam poob qis vim tias tsis muaj kev thov rau cov khoom lag luam tsawg.

Tsis tas li ntawd, thaum cov nqi nce, nws raug nqi cov lag luam ntau dua los qiv nyiaj. Qee tus tuaj yeem xaiv kom them nyiaj ntau dua rau lawv cov khoom lag luam txhawm rau txhawm rau qhov nce ntxiv. Thaum tus nqi nyob nce, tib neeg muaj nyiaj tsawg los nqis peev, txo qhov kev thov.

Thaum cov paj laum poob, qhov thim rov qab yog qhov tseeb. Cov tub ua lag luam yuav yuav cov khoom lag luam ntau dua vim tias lawv rov qab ntau dua, thiab muaj nyiaj ntau dua los nqis peev tag nrho. Cov tuam txhab lag luam tuaj yeem qiv ntawm cov paj laum qis los nthuav lawv cov lag luam, ua rau lawv txoj kev cia siab rau kev loj hlob txhua qhov ntau dua nyob rau hauv lub qhov muag ntawm cov tub ua lag luam muaj peev xwm.

TIPS vs. inflation

Nrog TIPS, koj muaj kev tiv thaiv kev nce nqi nce vim qhov kev sib txuas ncaj qha nrog qib nce nqi. Yog tias kev nce nyiaj nce ntxiv, cov nyiaj them koj yuav tau txais los ntawm koj qhov TIPS yuav nce raws li. Cov nyiaj them feem ntau tuaj ob zaug hauv ib xyoos, thiab txhua lub sijhawm, kev hloov pauv hloov kho rau kev nce nqi.

Yog tias koj xav kom tsis txhob cuam tshuam koj cov nyiaj txiag tiv thaiv kev nce nqi nce nqi, TIPS yog qhov kev xaiv zoo thiab ncaj ncees. Txawm li cas los xij, qhov no tuaj yeem nyuaj dua yog tias koj nqis peev hauv kev sib koom ua lag luam lossis kev sib pauv pauv nyiaj (ETFs) uas suav nrog TIPS vim tias cov nyiaj tus nqi yog qhov kev lag luam xav tias nws tsim nyog, tsis tas yuav yog tus nqi ntawm daim ntawv cog lus. Yog li ntawd, tej zaum koj yuav tsis tau txais cov nyiaj pauv hloov pauv uas koj tau npaj tseg.

Stocks vs. inflation

Qhov nyiaj nce siab dua tau txais, qhov kev hloov pauv ntau ntawm cov khoom lag luam ua lag luam. Koj yuav tsum tau xaiv koj cov khoom lag luam kom zoo dua nyob rau hauv kev lag luam nyiaj txiag siab dua li hauv kev lag luam qis qis vim qhov kev pheej hmoo tseem ceeb dua.

Nco ntsoov tias kev nce nqi tsuas yog nce mus tas li thiab muaj txiaj ntsig nyob rau theem ntawm tus nqi, thiab yog tias cov nqi nce ntxiv, kev sib tsoo yuav tsum nyob rau lub qab ntug. Cov nqi tsis tuaj yeem nce mus tas li, yog li kev nce nqi siab feem ntau cuam tshuam nrog kev pheej hmoo ntawm kev lag luam thiab kev lag luam tsis ruaj khov.

Los ntawm qhov sib txawv, cov nqi qis qis yog cuam tshuam nrog kev loj hlob thiab zoo li ua rau kev lag luam Tshuag muaj kev nyab xeeb thiab ruaj khov dua. Txawm li cas los xij, kev sib raug zoo ntawm ob qho tib si tsis yog ib txwm ncaj ncees thiab feem ntau nyuaj los ntawm kev hloov pauv ntawm geopolitical.

Qhov zoo tshaj plaws, qib kev nce nqi yuav tsum nyob ib puag ncig 2-3% rau kev lag luam lag luam kom vam meej. Tus nqi no txhais tau hais tias tus nqi tsis hloov pauv ntau, cov nyiaj daus las khaws nws tus nqi, thiab kev lag luam muaj txiaj ntsig zoo.

Thaum kev nce nqi siab dua qhov no, cov neeg siv khoom tau txo qis kev yuav lub zog, thiab lawv cov nyiaj muaj nqis tsawg dua, uas ua rau cov nqi siab dua rau txhua tus, suav nrog cov lag luam. Qhov no tsim kev tsis paub meej, txo kev nqis peev hauv kev lag luam Tshuag, thiab ua rau txhua yam muaj kev pheej hmoo.

Ntawm kab hauv qab

Kev xaiv seb puas yuav nqis peev hauv kev lag luam Tshuag lossis TIPS tuaj yeem nyuaj heev thiab nyob ntawm ntau yam tshwj xeeb rau koj qhov teeb meem nyiaj txiag. Yog tias koj muaj nyiaj uas koj tuaj yeem kaw rau lub sijhawm ntev thiab xis nyob nrog cov kev pheej hmoo cuam tshuam nrog cov khoom lag luam, cov khw lag luam yuav yog qhov kev xaiv zoo dua. Txawm li cas los xij, TIPS tej zaum yuav yog qhov kev xaiv nrov dua rau cov neeg uas nqis peev rau lub sijhawm luv luv lossis muaj kev pheej hmoo-averse.

Nrog hais tias, ib tug diversified portfolio ua los ntawm cov khoom lag luam thiab cov ntawv cog lus yog qhov zoo tshaj plaws ntawm cov tub ua lag luam feem ntau nyob rau lub sijhawm ntev. Tau txais koj qhov kev faib tawm ncaj qha los ntawm qhov pib ua rau koj qhov kev sib tw ntawm kev ua tiav mus ntev.

Qhov no yog qhov Q.ai tuaj rau hauv. Lawv muaj Cov Khoom Siv Peev Xwm los pab koj tsim koj cov ntaub ntawv zoo tshaj plaws, txawm tias koj lub hom phiaj nqis peev lossis lub sijhawm. Qhov zoo tshaj plaws nrog Q.ai, koj tuaj yeem qhib Kev Tiv Thaiv Portfolio txhua lub sijhawm los tiv thaiv koj cov txiaj ntsig thiab txo koj cov kev poob, txawm tias koj nqis peev hauv kev lag luam dab tsi.

Download Q.ai hnub no rau kev nkag mus rau AI-powered peev tswv yim. Thaum koj tso nyiaj $100, peb mam li ntxiv $100 ntxiv rau koj tus account.