Hvordan obligationer kan stabilisere din portefølje

Indholdet af InvestorsOrbit er udarbejdet med det formål at give en generel introduktion til finansielle produkter. InvestorsOrbit kan ikke erstatte finansiel rådgivning og kan hverken anses for at være et tilbud om at yde finansiel rådgivning eller et tilbud om nogen anden rådgivning eller service. Investorer opfordres til at kontakte egen investeringsrådgiver for individuel information om eventuel investering, skatteforhold med videre.

Vi ved, at nogle mener, at det er helt ude i hampen at tale for obligationer. Når alt kommer til alt er det tydeligt, at de umiddelbart er mindre attraktive end tidligere, da væksten forbliver stærk og inflationen kryber højere, og obligationsværdierne falder typisk, når renten stiger. Desuden er de samlede obligationsrenter lave set fra et historisk perspektiv.

Men investorer bør ikke glemme, at obligationer er et vigtigt redskab i en velafviklet portefølje. Et par unikke obligationstrategier klarer sig faktisk ret godt lige nu – og er måske klar til endnu større succes i det nye år.

Her er fire taktiske obligationsstrategier for at afrunde din portefølje og give stabilitet på dette urolige marked.

Ubegrænsede obligationer

Lad os starte med en utroligt uformel idé: en investeringsforening med gebyrer over gennemsnittet, der aktivt administrerer sin portefølje. Investorer, der stærkt mener, at aktiv forvaltning generelt er en netto negativ og foretrækker, at indekserede ETF’er er bundbundet af gebyrstrukturen, kan være forbløffende ved denne idé, men prøv at læse videre.

Indeksfond er meget stive, og det er en dårlig strategi i et stigende rentemiljø, hvis du er på den forkerte side af handelen. Ubegrænsede obligationsforeninger har fleksibiliteten til at undgå de mest urolige dele af obligationsmarkedet, såsom længere daterede statsobligationer, og søge muligheder, hvor de finder dem.

Kortsigtede virksomhedsobligationer

Hvis du ikke kan lide dette ”old-school-koncept”, kan du overveje en indeksfond, der er mere passende til det nuværende miljø. Sæt varigheden ned og øg dit afkast ved at købe selskabsobligationer af ”investment grade”, der betaler lidt mere end obligationer.

Der er masser af midler derude som dette, men en af ​​de mest populære er Vanguard Short-Term Corporate Obligations ETF VCSH, som er en ETF, der fokuserer på obligationer med ”investment grade” med en varighed på 1 til 5 år. Vi taler om lån til meget store virksomheder, som sandsynligvis ikke er standard, inklusive Apple, Verizone samt Bank of America.

Det er typisk for en Vanguard-indeksfond, at dere ETF’er er utroligt billige til 0,07% i gebyrer eller kun 7 dollars årligt for hver 10.000 dollars, der investeres .

”Laddered” obligationer

Vi har drøftet måder til at afbøde renterisiko via aktiv styring og kortere varighed, men det er vigtigt at erkende, at ethvert potentielt tab i obligationsprincip kun realiseres, hvis og når obligationer sælges. Hvis du holder dit obligation til modenhed, får du faktisk den nominelle værdi af ​​obligationen og behøver aldrig at bekymre dig om at sælge til en rabat på det åbne marked.

Du kan gøre dette gennem individuelle obligationsopkøb på egen hånd, men nogle investorer er forsigtige ved blot at købe og holde et par langfristede obligationer til udløb. Bortset fra likviditetsproblemer er der også grund til at bekymre sig om at foretage et dårligt tidsmæssigt køb i et lille antal obligationer, hvor kurserne kan blive højere.

Dog kan “laddering” dine obligationer ved at forskyde deres løbetid hjælpe. Denne strategi involverer rullende løbetider, der tillader et par obligationer at modne hvert år, hvilket muliggør en stabil reinvestering for at mindske renterisikoen.

Hvis du kan lide dette koncept om ”laddering” af dine obligationer i teorien, men er bekymret i forhold til implementeringen af strategien i praksis, kan du overveje:

  • Invesco LadderRite 0-5 års Corporate Bond Portfolio US: LDRI

Fonden har en lille omsætning – og opkræver en nominel udgift på 0,22% eller 22 dollars årligt for hver 10.000 dollars, der investeres – så fonden er ikke helt flad i hovedværdien og er nede omkring 2% i de sidste 12 måneder. Det er dog meget mere stabilt end de populære obligations ETF’er.

Situationsobligationer

Nogle investorer synes måske, at den rigtige tilgang til obligationer involverer en kombination af ovenstående strategier. Andre kan synes strategierne er akademisk interessante som kortsigtet investeringer, men tvivlsomme som langsigtede investeringer. Hvis en af ​​disse beskrivelser inkluderer dit synspunkt, så lad os forslå nogle af de lidt atypiske obligationsfonde derude.

For det første er der ”Sit Rising Rate ETF RISE”, som bruger derivater til at gå mod langsigtede statsobligationer; tænk på det, som en invers obligations ETF.

Et meget anderledes eksempel på en taktisk obligationsfond ville være ProShares Inflation Expectations ETF RINF. Denne ETF bruger swaps til at afdække mod mulige rentefald og er skræddersyet ud fra et 30-årigt syn på inflationsdata i stedet for kortsigtede rentesvingninger for yderligere at udjævne volatiliteten. Der er ikke meget at hente i forhold til det samlede afkast, men med meget stabile hovedværdier og et beskedent udbytte på ca. 2,8%, men du vil helt sikkert have ro i sindet.

Udfordringen for fonde som Sit Rising Rate ETF RISE og ProShares Inflation Expectations ETF RINF er, at de er afhængige af unikke betingelser og et mål for markedstiming for at give et ordentligt afkast. Men hvis du mener, at betingelserne er rigtige i år til at benytte, som enten et kortvarigt profitcenter eller som en afdækning, der enten kan hjælpe med at diversificere din portefølje væk fra de typiske aktie- eller obligationsfonde, du er vant til.

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