Pros uye Cons ye 5 Nzira dzakasiyana dzeKubhadhara Mari
Vimbisa Mutumisiro
Kana iwe uchida kukwanisa kuverenga pane chimwe chigumisiro pakubhadhara, iwe unogona kuva nacho, asi iyo inogona kunge inodhura zvishoma kudarika zano rinouya nechinguva chiduku.
Kuumba chimwe chiitiko kunoreva kushandisa mari chete yakachengeteka kubhadhara mari yako yekurega mari. Iwe unogona kushandisa bhadha yepamusoro , izvo zvinoreva kuti unogona kutenga chisungo chaizokura mumwaka iwoyo gore rega rega rekurega basa. Iwe unopedza zvose zviri zviviri kufarira uye mukuru mune gore gore rinobatanidzwa.
Iyi nzira ine kusiyana kwakawanda. Semuenzaniso, unogona kushandisa zero zvimbiso zvekubatana zvisina kubhadhara chikwereti kusvika pakukura. Iwe unogona kuvatenga pane zvisingabatsiri uye kugamuchira zvese zvinofarira uye kudzoka kwomukuru wako pavanokura. Iwe unogona kushandisa mari yekuchengetedza zvigadziro zvekuchengetedzwa kwenyika kana yeCD pane imwe yechirongwa chimwechete, kana iwe unogona kuisa mhinduro kuburikidza nekushandiswa kwemagetsi.
Kubatsirwa kwekuita izvi kunosanganisira:
- Zvimwe zvinoguma
- Kunetseka
- Low maintenance
Zvimwe kukanganisa zvinosanganisira:
- Mari inenge ichinge isingashandisi kugadziriswa kwezvinhu
- Pashoma kuchinja
- Iwe unopedza mutungamiri semari yekuchengetedza yakachengetwa yakakura kana kushandisa sarudzo yekutenga zvinyorwa kuitira kuti urongwa uhwu hurege kurasa zvakawanda kune vagari venhaka yako
- Inogona kuda mari yakawanda pane dzimwe nzira
Imari yakawanda yakavimbiswa hainawo mvura shoma. Chii chinoitika kana umwe wako achipfuura achiri muduku, kana iwe uchida kuparadzanisa pane imwe nguva-mu-ye-yehusiku yezororo nekuda kwechiitiko chinotyisa chine utano? Iva nechokwadi kuti zvimwe zviitiko zvinogona kuvhara imba yako, zvichiita kuti zvive nyore kuchinja nzira iyo hupenyu hunoitika.
Total Return
Nekudzoka kwese kweseti yemari, iwe uri kuisa mari kuburikidza nekutevedzera nzira dzakasiyana-siyana nekutarisirwa kwenguva refu yekudzoka zvichienderana nehuwandu hwematokisi kusvika kuzvisungo. Uchishandisa zvinyorwa zvezvakaitika seproxy, iwe unogona kuisa tarisiro pamusoro pekudzoka kweramangwana nepepafisi yemashesi uye yebhadha index funds .
Nheyo dzakagara dzakapedzisira dzichienzanisa ne9 muzana zvichienzaniswa neS & P 500. Zvikwereti zvakaenzana ne8 kubva muzana zvichienzaniswa neBarclays US Aggregate Bond Index. Kushandisa nzira yepamusoro yepodfolio uye kugoverwa kwemazana makumi matanhatu ematokari uye 40% yezvisungo zvinokubvumira kuti uise nguva yakareba yehuwandu hwekudzoka kwekutarisira pa8,2 muzana. Izvozvo zvinoguma nekudzoka kwe7 muzana yekodzero yemari inofungidzirwa mari inofanirwa kumhanyira anenge 1.5 kubva pagore
Kana iwe unotarisira kuti chikamu chako chepamusoro chikwanise kutora chikamu che-7 kubva muzana, unogona kufungidzira kuti iwe unogona kubvisa 5 kubva pagore uye unoramba uchicherechedza chikoro chako chekukura. Iwe unogona kubvisa 5 kubva muzana yekutanga kutanga kwepodfolio yemari gore rega rega kana iyo iyo haina kubhadhara 5 muzana gore iroro.
Iwe unofanirwa kutarisira mwedzi wega wega, wega wega, uye wegore wekusagadzikana kwegore, saka paizove nenguva apo hupfumi hwako hwakakosha kudarika zvaive gore rakapfuura. Asi izvi zvisingatauri chikamu cherongwa kana iwe uri kuisa mari zvichienderana nekudzoka kwenguva refu inotarisirwa.
Kana iyo chikwereti pasi pekuita chinangwa chadzo kudzoka kwenguva yakareba, iwe unoda kutanga kutora zvishoma.
Kubatsirwa kwekuita izvi kunosanganisira:
- Iri sangano rakagara rakashanda kana iwe ukaramba uine chirongwa chakarongeka
- Kutsigira-unogona kugadzirisa zvaunotora kana kupedza imwe nyanzvi kana zvichidikanwa
- Inoda mari shoma shoma kana kudzoka kwako kutarisirwa kwakakwirira kudarika kwaizove kushandisa nzira yakagadziriswa nzira
Zvimwe kukanganisa zvinosanganisira:
- Hapana chivimbiso chokuti nzira iyi ichaunza kudzoka kwako kunotarisirwa
- Iwe unogona kudikanwa nehuwandu hwekutsvaga kwekumusoro hunosimudza kana kuderedza kusununguka
- Inoda humwe hutungamiri pane dzimwe nzira
Chido chete
Vanhu vazhinji vanofunga kuti chirongwa chavo chekurega basa chinofanirwa kurarama kurarama kune vanofarira izvo zviwanikwa zvavo zvinowedzera, asi izvi zvinogona kuva zvakaoma mukuderera kwenharaunda yakaderera.
Kana CD ichipa 2 kusvika ku3 muzana, iwe unogona kuona mari yako kubva kune iyo yefa yefa yepasi kubva pa $ 6,000 pagore kusvika kune $ 2,000 pagore kana iwe waive ne $ 100,000 inotengeswa.
Nharaunda dzekudzivirira hutsika dzinotapudza dzinosanganisira maCD, hurumende dzehurumende, kaviri A yakarongwa kana yepamusoro yekambani nehurumende, uye bluu-chip dividend kubhadhara zvikwereti.
Kana iwe uchisiya huwandu huri muhutano hwekuzvipira huri kutakura mari yezvibereko zvekurima , iwe unobva wangoisa mungozi kuti chikamu chinogona kuderedzwa. Izvi zvinokurumidza kuita kuti kuderedzwa kwekukosha kukuru kwekuwana mari inowedzera mari, uye zvinogona kuitika kamwe kamwe, zvichikusiya nguva shoma yekuronga.
Kubatsirwa kwekuita izvi kunosanganisira:
- Nheyo inoramba ichinyatsogadzikana kana zvikwereti zvakachengeteka zvishandiswa
- Zvinogona kubereka chibereko chekutanga chepamusoro pane dzimwe nzira
Zvimwe kukanganisa zvinosanganisira:
- Mari inowanikwa inogona kusiyana
- Inoda ruzivo rwezvivimbiso zvepamusoro uye izvo zvinokanganisa kuwanda kwemari yavanowana
- Mazano makuru anogona kuchinja zvichienderana nerudzi rwemari yakasarudzwa
Nguva Segmentation
Iyi nzira inosanganisira kusarudza zvikwereti zvinoenderana nenguva iyo iwe uchavada. Iko dzimwe nguva kunonzi bucketing approach.
Mari dzekutsvaga njodzi dzinoshandiswa pamari yaungada mumakore mashanu ekutanga ekurega basa. Chengetedza dambudziko rinogona kutorwa nemari yaunenge uchida kwemakore matanhatu kusvika pa10, uye masimba ekushandisa riskier anoshandiswa chete nokuda kwechikamu cheporofigore yako yausingafungi kuti unoda kusvikira makore 11 uye kupfuura.
Kubatsirwa kwekuita izvi kunosanganisira:
- Kuisa mari kunoenderana nebasa ravanoda kuita
- Kunogutsa mupfungwa. Iwe unoziva kuti haufaniri kuisa mari yepamusoro kune imwe nguva nguva pfupi kuitira kuti chero kushaya simba kunogona kukuvhundusa zvishoma
Zvimwe kukanganisa zvinosanganisira:
- Hapana chivimbiso chokuti mari yepamusoro yezvikwereti ichazadzisa zvakakodzera kudzoka pane nguva yakatarwa
- Iwe unofanirwa kusarudza nguva yekutengesa zvikwereti zvepamusoro zvakakosha uye kuzadza yako nguva shoma shoma zvikamu sezvo chikamu ichocho chinoshandiswa
The Combo Approach
Iwe unenge uchida kusarudza kubva kune dzimwe dzimwe nzira kana iwe ukashandisa nzira ye combo. Iwe unogona kushandisa guru-guru uye kufarira kubva mumariko yakachengeteka kwemakore gumi ekutanga, ayo angave kubatanidzwa kwe "Guarantee Mugumisiro" uye "Nguva Segmentation." Zvadaro iwe waizoisa mari yakareba kwenguva yakareba mu "Total Return Portfolio." Kana zvikwereti zvinowedzera pane imwe nguva mune ramangwana, unogona kushandura kumaCD uye hurumende dzisungo uye ugare pane zvaunofarira.
Zvose izvi zvinoshanda, asi iva nechokwadi chokuti unonzwisisa iyo yawakasarudza uye uchida kumira nayo. Inobatsirawo kuva nemafungiro akafanotaurwa pamusoro pemamiriro ezvinhu angada kupa shanduko.