Kune Hakuvhiringidza Zvechokwadi Mutual Funds here?
Hazvina mubvunzo, basa rako rechikoro raunenge wapiwa rinokutungamirira kune zvinyorwa zvinotsanangura kukanganisa kwemari pamwe chete. Asi izvi zvose izvi zvinonzi zvakashata zvekubatana kwemari zvechokwadi zvisingabatsiri zvekubatana mari here?
Ngatitarisei pane zvakasiyana-siyana zvinonzi zvakashata zvekubatana mari, uye kuti unogona kuzvidzivirira sei.
Kukanganisika 1: Mutengo weMari Mune Mari Yakavanzwa
Kana mari yaive yakavanzwa, mari iyo yakavanzika yaizove iri pane zvakashata zvemari pamwe chete. Mari yakavanzwa inonzwika inonyatsotumidzwa se 12b-1 mari. Kunyange zvazvo izvi zvikwereti 12b-1 hazvishamisi kubhadhara, hazvina kuvanzwa. Mari yacho inoratidzwa mune mutual fund prospectus uye inogona kuwanika kune imwe mari mari 'web site. Mari dzakawanda dzinotengeswa hazvibhadhara mari 12b-1. Kana iwe ukawana iyo 12b-1 mari yakawanda, shandisa mari yekutengeserana isingabhadhari mari. Mari dzakavanzwa hazvikwanisi kuisa ruzivo rwekusavhiringidzika kwemari yekubatana nokuti haisi chakavanzika uye kune zviuru zvemari pamwe chete zvisingatengi mari 12b-1.
Kukanganisika 2: Mutual Funds Hauna Kuvanwa
Iwe unogona kukurumidza sei kuwana mari yako kana iwe uchitengesa mari yekutengesera kana uchienzanisa ne ETFs, mashizha uye mari yekupedzisira yekuvhara?
Kana iwe uchitengesa mari yekutengeserana, iwe unogona kuwana mari yako zuva rakatevera kutengeswa. ETFs, mashizha uye mari yekuvhara kwekuvhara zvinoda kuti iwe kumirira mazuva matatu mushure mekutengesa iwe utsvaga. Ndaizodana "kusava nekusvibiswa" kusagadzikana kwekutengesana kwemari nhema. Iwe unogona kuwana huwandu huwandu hwega kana iwe uchisimudza mune mattress yako.
Kukanganisika 3: Mutengo Wemari Une Izvo Zvakanyanya Kutengesa Mari
Ko mutengo wekutengesa unofanira kubatanidzwa mune zvisingabatsiri zvekutengeserana kwemashoko emari here? Zvakaoma kururamisa kubhadhara mutengo wekutengesa kana iwe une plethora ye-pas-load mutual funds. Asi, zvakare zvakare, zvakaoma kutaura kuti kutengesa kwekutengesa kusingabatsiri kwekutengeserana mari apo iwe une zviuru zvehurumende zvingasarudzwa zvisingatengi zvekutengesa. Kutengesa zvikwereti zvakawandisa kuti zvibatanidzwe pane zvinyorwa zvangu zvisingabatsiri zvekubatana mari.
Kukanganisa 4: Mutero weMari pamwe neHurumende yekutengeserana
Kana iwe uchitenga kana kutengesa chikwereti chemari, mutengesi unozoitika pakuvhara kwemusika pasinei nenguva yawakapinda mukutenga kana kutengesa mutual fund. Ndinoona kutengeserana kwemari pamwe chete kuti ive chinhu chakareruka, chisina matambudziko chekutsvaga kwekutsvaga. Zvisinei, vazhinji vanotsigira uye purveyors veEFF vacharatidza kuti iwe unogona kutengeserana zuva rose neEFs. Kana iwe ukasarudza kuisa muT ETF pamusoro pemari imwe chete nokuti mutemo wako unogona kuzadzwa pa3: 50 masikati EST neEFs panzvimbo pekugamuchira mutengo se4: 00 masikati EST pamwe nemari pamwe chete.
Kukanganisika 5: Zvose Zvikwereti Zvese Zvikwereti Zvikuru Kugoverwa Zvikamu
Kana zvikwereti zvose zvinotengesa zvikwereti uye kupfuudza mari inowanikwa kune vashandi sechiitiko chinotengesa, saka takawana mukundi wekutsvaga kwekukanganisa kwekutengeserana kwemari.
O, hazvo, kwete mari yose inobatanidza mari yegore negore inowanikwa. Indekisi yemari pamwe chete uye mari inobhadhara mitero haigadziri kuparadzirwa kwegore negore. Hungu, kana vane zvikwereti, vanofanira kugovera zviwanikwa kune vagovana. Zvisinei, mari zhinji pamwe chete (kusanganisira index mutual funds uye mutero unobhadhara mutual funds) inodhura mari-inotora mari uye haitauri mari inowanikwa mune rimwe gore.
Mukuwedzera, zvirongwa zvekushandira mari (IRAs, 401k, nezvimwewo) hazvibatsiri nehuwandu hwekuwana zvipo. Panewo nzira dzekudzivisa kugoverwa kwekutsvaga kwemari kunosanganisira mutero-kurasikirwa kwekukohwa uye kutengesa mutero wehurumende musati waparadzirwa.
Pane Kukundikana kweMutual Funds here?
Pane kukanganisa kwemari pamwe chete here? Zvechokwadi, kune uwandu hwemari pamwe chete. Pane zvakakosha uye zvisingabatsiri zvekutsvaga mune imwe neimwe motokari yekutsvaga.
Zvisinei, kana iwe ukawana ruzivo rwekusawirirana kwemari inobatanidza mari, chengetedza chinhu chimwe nechimwe pane urongwa uye uone kana ichibata sekusagadzikana kwemari pamwe chete kana kusagadzikana kweimwe mutual fund (kana kuti kuisa motokari zvese zvisinei chimiro).