Nhanho Dzakananga yekutsvaga kubudirira
Pasinei nokuti iwe uri mutori wekutanga kana nyanzvi, kune mazano mashanu ari nyore ekutenga mutengo wemari.
1. Sarudza: Zviite Iwe kana Kushandisa Mupi wezano
Kana iwe usati uri nyanzvi mune zvekuita mari yako sarudzo yako yekutanga ichava yekugadzirisa kana iwe uchida kutsvakurudza, kutengesa nekugadzirisa iwe pfuma yako kana kana uchida kuhaya mupi wezano .
Iwe haufaniri kuva mutungamiri wekutsvaga mari kana wekutengesa mari kuti uwane mutual funds, kunyanya kana zvido zvako zvekutsvaga zviri nyore uye iwe unonakidzwa kuita zvinhu iwe pachako. Zvisinei, iwe unogona kunge usingave nehanya nekutengeserana kwemari kana kuita chero chekuita basa rekutevera, sekuona kushanda, kuongororazve zvinangwa nekutsvaga mari yakawanda. Kana iwe uchizviita iwe pachako, ungada kuzarura kambani pane yakanaka isina-load mutual fund kambani, yakadai saVanguard, Fidelity kana T. Rowe Price kana iwe ungada kushandisa shorter broker, yakadai saCharles Schwab kana Scottrade.
2. Dzidza sei Kuvaka Chikamu cheMutual Funds
Usati watanga kutsvakurudza uye kutenga chikamu chemari pamwe chete, unofanira kuita basa rako rechikoro uye kuti ungavaka sei chikwereti . Zvirongwa zvakakomba nemaawa ekugadzirira hazvidiwi pakutenga mari imwe chete asi iwe unoda kuva nechimwe chimiro cherongwa, chinangwa kana chinangwa mupfungwa usati watenga mari (s).
Pachine zvishoma, iwe uchada kuongorora kukushivirira kwako kwengozi - iwe unonzwa sei pamusoro pengozi nekutsvaga mari - uye iwe uchada kuziva zvinyorwa zvemafaji ekugoverwa - maitiro ekugadzirisa kusanganiswa kwakanaka kwe mutual fund types yako kuisa mari kana kuchengetedza chinangwa. Kana uchinge uine hurongwa hwekutsvaga huri munzvimbo, iwe unogona kutanga kutengesa mari yekuita sarudzo.
3. Sarudza Mutual Fund Type kana Category
Iye zvino wave wakagadzirira kusarudza mari yakanakisisa yezvikwama zvekutsvaga kwako kwekutsvaga. Izvi ndizvo zvinowanikwa apo vashandi vakawanda, vatangadzi vekare uye vashandi zvakafanana, vanotora kurasikirwa kana kufarira muhurumende yekugadzirisa sarudzo. Zvichienderana nezvamunoda, kana kuti uchangotanga nekutanga yako mutual fund, unogona kuchengeta zvinhu zvakajeka neS & P 500 Index fund , chirongwa chezuva rekurasikirwa kana chikwereti chakaenzaniswa . Kana imwe yenhamba yako inowedzera kukura uye iwe unodzidza mavara emagadziro emabasa ako iwe uchada kusiyanisa nekuparadzira mungozi pane zvikwereti zvakasiyana siyana.
4. Dzidza Kuongorora Mutual Fund
Panoongorora kuwirirana kwemari, kune zvakawanda zvekuziva kupfuura kungoita zvekare. Pane zvimwe zvinhu zvakakosha, zvakadai sehuwandu hwekutsvaga , mari yezvikwereti , mutevedzeri wemutungamiri , uye kugadzirisa mutero kuongorora uye kuenzanisa asati atenga mutero wekugadzirisa. Kana iwe wakatotora kushandisa mari yekuenzanisira , iyo inogona kuva sarudzo yakachenjera kune vashandi vakawanda, kuongororwa kunenge kusina kufanira. Munyaya iyi, unogona kuzarura kambani kuVanguard Investments , kwaunowana kuwana zvakanakisisa kusarudzwa kwemari yemari uye ETFs inowanikwa mune imwe nzvimbo yemari.
5. Shandisa Mutual Fund Research Tool
Paunotsvakurudza uye kuongororana mutengo wemari, iwe unoda kushandisa zvigadzirwa zvakanakisisa kuita basa racho.
Kune zviuru zvemari pamwe chete muzvinhu zvose zvekutsvaga mari asi mashomanana mashomanana aripo. Kana wakaziva kuti zvipi zvinokosha kwauri, inowanikwa muInternet research website , yakadai se Morningstar kana Lipper, inogona kukurumidza kukubatsira kuwana mari inonyatsokodzera zvaunoda.
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.