Kusarudzwa kwakasiyana-siyana kweMutengo Mutendi Mukutendeseka Kunofanira Kupa
Kuvimbika kune zvakawanda zvisingabhadhari, zvakanyanya kuita mutual funds mumarudzi akasiyana-siyana. Kunyange zvazvo Kuvimbika kungave kwakanyatsozivikanwa nokuda kwemari yavo yakatarwa -yakagadzirirwa , vanopawo mamwe emari inodhura mari yakawanikwa pamusika. Saka hazvishamisi kuti kutendeseka ndechimwe chekambani yepamusoro isina-load mutual fund makambani munzvimbo yekushambadzira nhasi.
Mune mutsara weFidelity mari yakanakisisa yekutenga, tichaiputsa muzvikamu zvitatu zvemari iyo Kuvimbika kunonyanya kukosha: 1) Mari Dzakanaka-Dzakachengetedzwa, 2) Best Index Funds, uye 3) Best Balanced Funds.
Iyi ndiyo nzira yakawanda pakusarudza mari yakanakisisa yeFidelity: Kubhadhara mari yakachengetedzwa, ndaida kuona nguva yakareba yekushanda iyo inokwidza mari yechikwereti chechikwata, mutariri wekugara kwemakore mashanu, uye humwe humwe hunoita kuti dzive dzakasiyana nedzimwe mari mune runyora.
Nehurukuro yemari, ndaida kutarisa zvakasiyana-siyana asi kunyanya ndakatarisa mari yakasiyana-siyana nebhadharo shoma.
Kune mari yakaenzana, ndakatsvaga zvisarudzo zvingashanda kune vashandi vakasiyana-siyana, rekodi yakasimba, uye mapuritoriko akasiyana-siyana.
Best Trust Fidelity: Kubatsira-Kutungamirirwa
Mari inogadzirirwa zvakakwana ndeye zita ravo rinoratidzira - mahofisi ezvitoro zvekutsinhanisa izvo mutengi anotenga uye anotengesa pakuziva kwavo, kazhinji nokuda kwechinangwa chisina kubvumirwa chekurova chikwata chehama.
Semuenzaniso, iyo inotungamirirwa zvikuru-cap stock stock mutual fund inotarisira kuparadzanisa S & P 500 Index mune mamwe makore emakarani kupfuura kwete uye inofanirwa kunge iine nguva yakareba inodzoka iri nani kudarika index.
Pano pane mari inogadzirirwa-yakagadzirirwa kubva kuFidelity iyo inowedzera kukanganisa mazita ekuenzanisa, kunyanya munguva refu (kureva kudzoka kwemakore mashanu kana gumi)
- Fidelity Contrafund (FCNTX): Iri guru-stock stock index fund rave rine mutariri mumwe chete, Will Danoff, kwemakore anopfuura 25 uye rwiyo rwekuita kwake rwiyo rwakanga rwuri stellar rimwe. Kubvira sezvo mari iyi yakatanga muna 1990, FCNTX yakawana kudarika 12% kudzoka, iyo inowanzoshamisika mune mutual fund world. Iko mari inobhadhara mukukura kwematokari uye zvikwereti zvinokosha, zvakawanda zvayo zvikuru-cap, uye zvishoma pakati pevha-mashopu zvidhi mumusanganiswa. Nhamba yebhadharo ye FCNTX inonzwisisika 0.71% uye zvishoma zvishoma kutenga iko $ 2,500.
- Kutendeseka Strategic Dividend & Income (FSDIX): Ichi chikwereti chechina-chinotengeswa zvikuru mumatokari anokosha nokuda kwechinangwa chekubudisa mari inowanikwa nenzira yezvikamu zvevashandi. Asi mari yacho inewo chinangwa chokukura. Nokudaro FSDIX inogona kuva sarudzo yakanaka yevanhu vakapinda muhurumende avo vanoda kutenga mari yekuwana mari asi inogonawo kuva yakakodzera kune vashandi vanotsvaga kutora nguva yakareba kukoshesa. Nhamba yebhadharo yeFSDIX ndiyo 0.78% uye zvishoma zvishoma kutenga pakutanga ndeye $ 2,500.
- Kutendeseka Sarudza Bio-Technology (FBIOX): Ichi chikamu chemari yehutano , izvo zvinoreva kuti inonyanya kukoshesa kushandiswa kwemabhizimisi avo kunyanya kumakambani mukati mehutano hwehutano, munyaya ino bio-teknolojia sector. Kunyange zvazvo bio-teknolojia yehutano hutsika ine mikana yekuonga kukuru, inogona kuva nenguva shomanana yekuderera kwakaderera. Saka FBIOX inogona kufungidzirwa uye inoshungurudza mari yemari , zvinoreva kuti yakakodzera kune vashandi venguva yakareba vasingafungi nezvekukwira uye kuderera kwezvikwereti zvakadaro. Nhamba yebhadharo yeFBIOX inenge 0.73% uye zvishoma zvishoma kutenga kutanga $ 2,500.
- Kutendeseka Kukura Kwekambani (FDGRX): Iri mari yezvinyorwa 5 ndeyeimwe muenzaniso wekuita mutual fund yakanakisisa inobatsiro kubva kune mumwe mutariri akachengetwa, Steven Wymer, uyo ave ari mubatsiri we FDGRX kubva muna 1997. Mari iyi inowedzera zvikuru muhomwe huru matokisi ayo maneja anotenda ane simba rekuwedzera-kuwedzera kwekuraira. Nhamba yebhadharo yeDFGRX inokwana 0,88% uye zvishoma zvishoma kutenga pakutanga ndeye $ 2,500. Cherechedza: Kubva paJune 20, 2016, FDGRX yakavharwa kune varairi vatsva.
Best Trust Fidelity Funds: Index Funds
Kuvimbika kune zvimwe zvingadhura mari yakawanda pamusika. Kunyange zvazvo vachipa vanenge gumi nemazana emari, tinotarisa zvitatu zvezvinyorwa zvavo zvakanakisisa zvinotarisirwa pano:
- Kuvimbika kweSpartan 500 Index (FUSEX). Imwe yepamusoro yeS & P 500 Index Index pamusika, FUSEX inobata basa guru rekutevera S & P 500 uye ine imwe yenhamba dzakaderera zvikuru (0.095%) muhutano huri pasi rose. Nemhaka yehuwandu hwekutsvaga kwayo kune mazana mashanu emadhora makuru eUnited States, FUSEX inonyanya kukoshesa kubata kwemahofisi emakore akawanda. Izvo zvishoma kushandiswa kwekutanga kweFUSEX i $ 2,500.
- Kutendeseka US Bond Index (FBIDX): Kana uri kutsvaga Fidelity index fund inobata basa rakanaka rekuvhara US bond bond, iwe uchada kufunga FBIDX, iyo inofanidza Barclays Capital US Aggregate Bond Index . Izvi zvinoreva kuti vagovani veiyo bhuku index index vachawana zvuru zvezvisungo, zvichiita kuti FBIDX ibatire zvakasiyana-siyana kuvhara mushamba wezvisungo. Nhamba yebhadharo yeFBIDX inokwana 0,20% uye zvishoma zvishoma kutanga kutenga $ 2,500.
- Kutendeseka Mid Cap Enhanced Index (FMEIX): Kana iwe uchida chikwereti chakabatana chiripo chinopa kuiswa mukati pechitsiko cheko, FMEIX ndeimwe yemari yakanakisisa yaungatenga mune iyi. Ichi chinyorwa chechishanu-chinotarisa Russell Mid Cap Index, iyo inoreva kuti vashandi veFMEIX vachawana zvakakwana kusvika pamashamba makumi matatu emapakati makuru. Mid-cap-stocks inowedzera kukura kune simba guru-asiko inogonawo kuona kukura kwemazuva mashomanana. Izvi zvinoita kuti FMEIX ive nechisimba chinogadzirisa chinonyanya kukosha kune vashandi venguva yakareba vane kunyanya kushivirira kune ngozi. Nhamba yebhadharo yeFMEIX yakaderera 0.16% uye zvishoma zvishoma kutanga kutenga $ 2,500.
Mari Yakanakisisa Yezvikwereti: Kuenzanisa Mari
Mari yakaenzana inoshandisa mari yakaenzana yematokisi, zvisungo nemari, saka iko "kuenzanisa" moniker. Vanogona kuva vakachenjera kusarudzwa kusarudzwa kune vashandi vanoda kuisa mari mune rimwe rehomwe kana avo vanoda kubatana kwakasimba kubata kumativi ose.
- Kutendeseka Kuenzanisa (FBALX): Ichi chikamu chekugoverwa mari, inoreva kuti vashandi veFBALX vachawana purogiramu yakawanda yekutengeserana kwezvinhu zvinenge zviviri zvetatu mashizha uye yechitatu yezvisungo. Kunyange zvazvo kusanganiswa uku kuri pangozi yakadarika pane chikwereti che 100% mashomanana, kudzoka kwenguva refu kwakagara kwave pedyo nezvamungatarisira kune mari yakazara mari. Kubvira sezvo mari iyi yakatanga makore makumi matatu adarika, FBALX yakagadzirisa muyero wekudzoka inenge 9%. Nhamba yebhadharo yeFBALX ndeye 0.56% uye zvishoma zvishoma kutenga iko $ 2,500.
- Kuvimbika Rusununguko Rusununguko (FFFAX): Iri mari ndeimwe ye "rusununguko" mari kubva kuFidelity uye ndiyo yakanyatsochengetedza boka racho. Chinangwa ndechekupa mari kana uchichengetedza mukuru. Saka mari yacho inonyanya kukosha kune varairidzi vanofarira zvikuru kuchengeta zvavainazvo kudarika kuwedzera kubhadhara kwekambani. Nhamba yebhadharo yeFFFAX inokwana 0.49% uye zvishoma zvishoma kutenga pakutanga ndeye $ 2,500.
- Fidelity Capital & Income (FAGIX): Iri mari ye-5-nyota inogona kuita zvose zvirikukura nekuwana mari yekutsvaga kuburikidza nekuenzanisa nhumbi, iyo inosanganisira makumi maviri kubva muzana yepodfolio, uye kusungirwa kwemari, izvo zvinenge makumi mapfumbamwe nezana (80% . Nokudaro misika yepamusika yakakwirira kudarika chikwereti chebato asi yakaderera pane mari yekuchengetedza mari. Kunyange zvakadaro kudzoka kwenguva refu kwakagara kwakapfuvura kupfuura mari yakawanda yezvisungo. Nhamba yebhadharo yeFAGIX ichine 0,72% uye zvishoma zvishoma kutenga kutanga $ 2,500.
Zvinonzwisisika: Mashoko ari pawebsite ino anopa mazano ekukurukurirana chete, uye haafaniri kushandiswa zvisina kunaka sekutsvaga mazano. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.