Isu tiri mugore rechisere remakambani emombe ane hasha, uye iri kuedza kupinda mumisika yekutsvaga. Kubva muna 2009, S & P 500 inodzoka dzakanaka gore negore. Makore maviri apfuura akachengetwa 32.15 muzana muna 2013 uye 25.94 muzana muna 2009. Pasi pepakiti, kunyange makore maviri akaipisisa akadzoka mamiriyoni 1,36 muna 2015 uye 2.10 muzana muna 2011, zvose zvakapfuma kupfuura zvaunowana kubva nhoroondo yekuchengetedza.
Uye kana ukadzoka kusvika muna 1928, uchaona kuti S & P 500 inokomborera vatengesi nejubheri rinodzoka rinokwana 9.52 muzana.
Asi kushanda kwemazuva ano uye kubudirira kwenguva refu kunosvitsa makore ekupedzisira emari yekutsvaga. Muna 2008, S & P 500 yakaronga 36.55 kubva muzana, uye makore matatu ekutanga emakore gumi aya airwadza, nekurasikirwa kwe9.03 muzana, 11,85 muzana, uye 21.97 muzana muna 2000, 2001, uye 2002, zvichienderana.
Sezvinoratidzwa nemakore ekumusoro uye emakore emusika wekutengesa, iwe unoda simba rakasimba uye imwe ruzivo rwekutsvaga kwekutsvaga mberi usati wapinda mumisika. Hezvino izvo zvaunoda kuziva pamusoro pemari yako pachako usati wapinda mumusika.
Danho 1: Bhadhara Kubhadhara-Chikwereti Chakwereti
Matanho ari kukwira kusvika muna 2008 maonero maererano nezvinoitika CNN nenyaya. Gore rakapera chikwereti chemhuri chakakonzerwa ne $ 460 mabhiriyoni. Uye kana uri mu "wega" imba, une $ 16,048 mukwereti kadhi chikwereti.
Ndicho chikonzero nei uchida kuwana chikwereti ichocho chabhadhara musati waita mari.
Kana uri kubhadhara kadhi rechikwereti kufarira kwe16 muzana saka zvinokosha kuti uwane kudzoka kudarika 16 muzana kururamisa kubhadhara mumusika wekutengeswa usati wabhadhara chikwereti. Somuenzaniso, kana iwe uchibhadhara chikamu chepakati pezana kana $ 2,568 pane yako kadhi rechikwereti chikwereti uye uwane 9 muzana pamusika wekutswa kwemari, iwe uri kurasikirwa ne7 muzana kana $ 1,124 nekurega kubhadhara chikwereti.
Mune mamwe mazwi, kubhadhara chikwereti chikuru-chikwereti ndeyekudzoka kwakakwana, kwakaenzana nechikwereti chechikwereti chakakonzerwa pachikwereti. Uye kunze kwekuti iwe uwane mukana chaiwo mumusika, haunzwisisi pamusoro pekudzoka iwe uchawana kubva kubhadhara chikwereti chako chekwereti chikwereti.
Danho rechipiri: Bhurai "Ndeipi Kana"
Fungidzira uchipinda mune fender bender uye inshuwarisi yako yakakonzerwa ne $ 500. Kana zvakanyanya kunyanya zvakadaro, iwe unotorerwa uye hauna kuwana basa idzva kwemwedzi 3 kana 4. Iwe une zviuru zvishomanana zvemari kuti uvhare mari iyi isingatarisirwi here? Kana zvisina kudaro, iwe hausi woga. Vanosvika makumi manomwe nemanomwe kubva muzana veAmerica vanoti havagone kuwana mari inoshandiswa nemadhora madhora mazana mana, maererano neStock Reserve.gov yakangobva kuitwa .
Kana iwe usingakwanisi kuwana mari yekutsvaga mari , iwe unoda kukwereta kana kutengesa chimwe chinhu kuti uwane mari. Kana, kana mari yaunoda kune imwe nguva inokurumidza inotengeswa mumusika wekutengesa exchange traded fund (ETF) yaunofanira kutengesa, uri pangozi yekutengesa kana kurasikirwa. Ndicho chikonzero iwe unoda kuchengetedza mwedzi yakawanda yekurarama mari isati yatengeswa mumusika wekutengesa. Isai "zvakadini kana" kuchengetwa mumisika yemari inosvikika kana kuti mari yekuchengetedza, saka mari yacho inowanikwa paunenge uchida.
Danho 3: Dzidza Kuisa Mhemberero
Kana uchinge wabhadhara chikwereti chako chevatengi uye ukavaka mari, unoedza kupinda mumisika yekutsvaga.
Asi kana iwe usinganzwisisi zvaunenge uchiita, pane mukana wakaisvonaka iwe uchazoguma uchinge uchitadza mari nekutenga kumusoro uye kutengesa pasi. Nokuisa mari yako nemanzwiro ako, panzvimbo yemusoro wako, iwe unofanirwa kufara apo misika iri kutengesa uye inopinda mukati pamusoro pekambani yemombe. Zvadaro sezvo kuregerera kusingadzivisiki kuchiitika, zvinowanzoita kuti kutya kurasikirwa kutore kukuita kuti utengese pamusika.
Saka, usati watenga mari yako yekutanga kana bhengi, pedza maawa mashomanana uchidzidzira nezvemari yekutsvaga, maitiro, uye mari yemunhu mumwe nomumwe. Kudzidza kushandiswa kwekutsvaga mazano ekusiyana-siyana uye kudzidza nezvekuchengetedza mari uye mari yekutengeserana mari inotungamirira kune huwandu hwekutsvaga mari. Pakupedzisira, verenga mazano aWarren Buffett uye shandisa mari inotengesa mari.
Danho 4: Tora Hanya Mhuri Yako
Pakupedzisira, usati waita mari, tora mari yako pachako.
Kana uine vana kana mumwe munhu zvichienderana nemari yako, zvino funga kutenga mari inotengesa yveshuwarima yehupenyu. Uyewo, funga kutenga inshuwarisi yehurema, kunyanya kana uri mubasa rakaoma. Nenzira iyo, kana chimwe chinhu chichiitika kwauri, vadiwa vako vanochengetwa.
Kunze kwe ...
Aya ndiwo matanho mana aunofanira kutora usati watanga kuisa mari ... asi kune imwe chete. Kana waunoshandira akashandisa zvikwereti zvako zvema 401 (k) , iwe unofanirwa kugovera zvakakwana kubasa rako rekurega basa kubasa kuti uwane mutambo - kunyange kana usati wapedza matanho mana. Iwe haugoni kukwanisa kuvhara mhino dzako pahwaro risina mari!
Barbara A. Friedberg ndiye aimbova maneja wemapatoti uye munyori weNzira Yokuwana Rupfumi: Pasina Kukunda Lottery . Tsanangudzo yake inowanikwa pane mamwe mawebsite akasiyana neRobo-Advisor Pros.com naBarbara Friedberg Personal Finance.