Tsvaga Nheyo Yakarurama Pamberi Pako Ita Purofiti Yako
Muzvokwadi, chii chinoshanda kwauri mumakore ako makumi makumi maviri chingasashanda kana wava nemakore makumi manomwe uye uchifunga nezvekuisa mari yekuvimba kuvana vako.
Heano mibvunzo mitatu yaunofanira kufungisisa iwe usati watanga matanho ekuvaka bhadharo yako yemari.
Mune Zvipi Zvidzidzo zveAsset Uchazofungisisa Mari Yako uye Sei?
Boka roga roga rakanaka rinoita zvakasiyana. Ndicho chikonzero chikonzero chekugadzirisa maitiro inokosha zvakakosha. Kuenzanisa zvikomborero zvinokonzera uye kukanganisa kwechimwe nechimwe chezvikwata zveasset, pamwe nekufungisisa kudiwa kwaunayo kwekuchengetedza kwemari inoyerera, kuchazivisa sarudzo yako pamusoro pokuti ungashandisa sei mari yauri kuisa kushanda pakati pavo.
- Nheyo dzakagara dzichipa zvikwereti zvakakwirira zvekare kwenguva refu nekuti dzinomiririra hutambi huri mumabhizimisi chaiwo anotengesa zvigadzirwa nemishandiro chaiwo. Zvimwe zvezvikwereti zvinobhadharwa semari inowanikwa mari uye vamwe vanodzokera kumari yakachengetwa mubhadharo kuti vawane rubatsiro rwamangwana. Zvinosuruvarisa, zvikwata zvinoshandiswa pakuchinja kwezuva nezuva uye kunyange gore negore kukosha kwekutengesa, kazhinji. Hazvisi zvisizvo kutarisa kushandiswa kwekambani kwemashamba ekutengeserana kwako kunoderera ne30% kana kupfuura kamwe kamwe mwedzi 36. Kwakawanda kanoverengeka muupenyu hwako, uchaona kuti mabhizimisi ako anoderera ne 50% pamapepa kubva kumusoro-kusvika-mugwagwa. Ndiwo mukana wemukana. Kune makambani akanaka, ane pfuma chaiye, izvi hazvibatsiri kufanana.
- Real estate ndiyo yechipiri inogara yakachengetedza nguva refu. Kunyange zvazvo zvisingatauri kukura zvakanyanya kudarika zvekuwedzera, kunze kwekuti iwe uine ruzivo rwakakwana kuti uwane nzvimbo munzvimbo dzakasvibiswa zvakadai seSan Francisco kana New York apo kupa kune zvishoma uye kukura kwehuwandu hunoenderera mberi nekukwira kwayo, inowanzotarisana nehuwandu hwekuwedzera pamwe nekurasira mari yakawanda yemari yaunogona kuitora, kuponesa, kana kupedza. Kune vashandi vanonyatsoshandisa kushandisa zvishoma zvinyorwa mumhando yekuchengetwa kwemari, mari imwe neimwe muhutano inogona kuenderera mberi zvakanyanya sezvo ichakubvumira kutenga $ 2 kana $ 3 inokosha yeimba. Izvi zvinogona kukonzera kuparara kana zvinhu zvichienda kumaodzanyemba, asi munhu akachenjera uye akangwara muzvikwereti wezvivako anoziva nzira yekugadzirisa dambudziko rake.
- Zvikwereti uye zvikwereti zvinogadziriswa zvemari zvinomiririra mvumo yepamutemo pakabuda kwekambani inofanirwa kudzoka kwemari yakakweretwa (mukuru) uye "kubhadhara" pamari (kufarira) panguva iyo kambani yakashandisa nayo. Bonds dzine inherent kuchengeteka inogadziriswa mukati mavo zvisinei pasinei nemari yakadini inoderera, chero bedzi kambani iri pasi iri ine mari yekuita zvisungo zvayo zvesungano, bhandi ichadzikinurwa pamusi wekukura kwezuva. Zvinosuruvarisa, apo kutengesa kwepamuviri kunowedzera, kukosha kweropa rega rega ramangwana iwe wakavimbiswa kunoderera mumagetsi ekutenga simba. Izvi zvinogona kuparadza kune nguva refu-yakagadzikana yakasarudzwa-yezvisungo zvisungo zvakavharwa mumakore makumi maviri kana makumi matatu.
- Mari nemari yakaenzana nemari , kusanganisira mabhizimisi emabhangi akachengeterwa FDIC uye mabhizimisi emadhora emakore mashomanana , ndevamwe mapoka akachengetedzwa akachengetedzeka kwehupfumi wekutsvaga kwekutsvaga sezvo vachipa yakawanda pfuwa yakaoma kuti vatore mashizha asina kutengesa, zvisungo, uye dzimba panguva yekuputsika kana kuripa zvikwereti zvako munguva yechipiri Kuwedzereka Kukuru, asi vanodzoka zvishoma. Muzvokwadi, zvichienderana nenzira yaunoisa nayo mari, unogona kunge uchingorasikirwa nekutenga simba mushure mekuwedzera kwekuwedzera. Iyi yakanga isiri iyo nguva dzose uye zvechokwadi haisi kuzogara nokusingaperi. Zuva richadzoka kuongorora nekuchengetedza kwekodhi kuchaita kuti muwane mari inobatsira yevanoponesa, asi hapana kuudza kana iri gore kure kana makore gumi mune remangwana.
Iwe Unotanga Kuisa Pasi Chechikwereti Kupfuura Kukura Kwenguva refu?
Kunyangwe mukati mezvikwata zvemari, mamwe masimari anorima mari yavo yekudzorera mukuwedzera kwekupedzisira apo vamwe vanogovera zvizhinji zvekuwana mukana hwekugoverana kwebambani kana zvikamu zvemari. Rimwe rinopa mari yaunogona kushandisa nhasi, imwe iyo inogona kureva mubairo mukuru kwazvo gare gare. Uyezve, kunyange iyo makambani anobhadhara zvikamu anogona kuva motokari yekukura kwenguva refu kana iwe ukasarudza kurima zvikamu zvakare mune mamwe mapato; kwemazana makumi emakore, musiyano pakati pokudzorera uye usingaitizve muganhu wemugove wehurukuro yakawanda.
Ndiwo mutengesi akasiyana zvikuru uyo anova muridzi webhizimisi rakafanana neKraft Foods, iyo yakakura, yakasiyana-siyana, uye inononoka-kukura naizvozvo inopa mari yakawanda yemari yayo uye iyo inova muridzi weAmerica, iyo yakachengetedza mari yayo kuwedzera mu e-kuverenga maikirwo, mafirimu emadhidhiyo, mimhanzi yejedi, mabhizimisi, mabhurui, uye shangu.
Izvo zvinoenda kune zvivako zvekugara. Mamwe mapurogiramu, kunyanya avo vanoshandisa mukana kana kuti kusanganisira kusimbisa mapurogiramu matsva, zvingada mari yakawanda yekuyerera kuti ichengetedzwe kuitira kuvaka chikwata asi inogona kubhadhara zvakakura pamagumo, asi vamwe vasingapei mukana wakawanda wekudzorerazve, dzakadai sedzimba inobatsira asi yakagadzirirwa zvivako zvisingagoni kuwedzerwa.
Unhu Hwako Hunodei?
Uwandu hwakakosha zvikuru hunouya kunyange usati wawana zvakanaka kudzoka. Ndezvipi zvaunenge uchida? Ndeipi mikana yaunoda kuti uwane pfuma yawakaisa kunze? Kana iwe usina gore rinenge rechishanu, nzvimbo dzakawanda uye dzimba (kunze kwekushanda zvakananga kana arbitrage) hazvisi mubvunzo.
Vamwe vatengesi vanotevera mitemo yakawanda yechigunwe, sekugara vachichengetedza zvishoma 10% zvepodfolio yavo mune mari yakaenzana nemari yekuda mari. Kana zvisina kudaro sarudza mari shomanana yepamusoro pane zvakakosha, zvakadai sekusambochengeta zvishoma pasi pe25% yemari muhutano hwakanaka. Mhinduro yakarurama inobva pakutengo iwe unogona kuwana panguva uye chinangwa chaunacho chepodfolio yako.