Zvose Mutual Funds Ive Nemari - Vamwe Vanopfuura Vamwe
1. Kuyera Kwekudhura - Iyi Imari Inoramba Iripo Mune Mutual Fund
Zvinotora mari kuendesa mari yekutengeserana . Dzimwe mari inodhura zvakawanda kushanda kupfuura vamwe. Pasinei nemari, mari yose inobhadhara mari inonzi inoshandiswa mubhadharo, kana dzimwe nguva inonzi mari yekushandisa kana mari yekushandisa.
Iyi mitero inodururwa kubva kuzvinhu zvose zvemufambisi isati yatengeswa mutengo wako.
Muenzaniso: Ngatitaurire kuti iwe pachako une mari yekutengeserana inotengeswa ne $ 10.00 pagoga. Iyo ine kudzoka kwakakomba kwe 10%, zvinoreva kuti kubhadharwa kwekutsvaga kwayo kwaive $ 1.00 pagoga. Kana pakanga pasina mari, mari yekugoverwa mari ingadai yakakodzerwa ne $ 11.00, asi iyo mutevedzeri wemari inotora 1% mubhadharo, saka mari yako yekutsvaga kwekubhadhara ndeye .89 masendi panzvimbo panzvimbo ye $ 1.00 yakazara, uye pashure pemari, chikamu chako chinokwana $ 10.89.
Gara rinotonga pamusoro pemari yekuenzanisa:
- Mari yakachengetedzwa yakawanda yakasimudzira kushandiswa kwemari kudarika mari yekusarura kana mari yekuenzanisa. Izvi ndeyekuti mari yakabatanidzwa yakarongedza iri kuenderera mberi nekutsvakurudza kuedza kutsvaga zvakachengetedzwa zvakanakisisa kuva nazvo. Iyi tsvakurudzo inodhura zvakawanda, asi nhamba dzinoratidza kuti hauna kuwana zvauribhadhara .
- Mari dzepasi rose dzine mari yakakwirira kudarika mari yemari. Zvinodhura zvakawanda kutenga zvikwereti zvinotengeswa kunze kweUnited States Iyi mari yakakwirira inopfuurirwa nenzira yehuwandu hwemari yakaenzana.
- Mari shoma shoma ine mari yakakwirira kudarika mari huru yemari. Zvinodhura zvakawanda kutenga uye kutengesa zviduku zvishoma kudarika zvikuru. Mari iyi yakakwirira inopfuurirwa pamwe chete nenzira yepamusoro yezvinodhura.
- Nhamba yemari kana mari inoshandiswa zvisingateereri inowanzova nemari yakaderera, uye kuwana mhando dzemari dzakaratidzwa kuva chiratidzo chakasimba chemazuva akanaka mune ramari .
- Makambani akasiyana anogona kutengesa zvakasiyana-siyana zvakasiyana-siyana mari yezvikwereti zvakafanana. Chikwata chikuru chekutsinhanisa mari muChitatimendi A chingave chakakwirira kwazvo kune imwechete yemari yeChishanu B.
Kana uchienzanisa mari yekubhadhara mari, chengetedza zvinhu zviri pamusoro apa mupfungwa. Hazvina musoro kuti uenzanise mari yekubhadhara mari pane imwe mari yeAmerican fund kune imwe yenyika yose. Icho hachisi apuro-to-apples kuenzanisa.
2. Kutengesa Kutengesa Kana Komisheni - Imari Yakasimbiswa Inobhadhara
Paunotenga "A share" mutual fund, iwe uchabhadhara komisheni paunotenga zvikamu. Imwe nzira yekubhadhara dzimwe nguva kunonzi sekutengesa mutero kana "mutambo wekupedzisira". Nokudaro "hapana-mutoro" chikwereti hachina mari yakadaro.
Nebhadharo rekugadzirisa kwepamberi kana huwandu hwekutsvaga mari yako huwandisa chiyero chekuvhara uye iwe unoda kuisa mari yacho yose mumhuri imwechete yemari iwe unogona kukodzera kune izvo zvinonzi "breakpoint" kana kuti pasi yepamusoro.
Heano muenzaniso wepamberi yekupedzisira: Ngatitaurire kuti uri kutenga chikwereti chinotengeswa ne $ 10.00 pagoga uye ine 5% yekupedzisira-yekupedzisira kutengesa mutoro kana mutoro. Iwe uchabhadhara anenge madhora 10.52 yega yega mugove watenga, sezvo 5% yekutengesa mari ichawedzerwa pane yekutanga kutenga mutengo wezvikamu zvako.
Vakawanda vekutengesa mari vanobhadharwa nemhando idzi dzemitoro kana makomisheni .
3. Kudzikinura Mitero - Mari Inobhadhara Paunotengesa Zvikamu
Kana iwe uchitenga "B share" mutual fund, kana iwe uchitengesa zvikamu zvehomwe rako munguva yakatarwa iwe uchabhadhara mari yekuregererwa, iyo inonziwo "mutoro wekupedzisira", mutengo wakatarwa kutengesa kutengesa kana kuzvipira charge .
Muenzaniso: Ngatitaurire kuti uri kutenga chikwereti chinotengeswa ne $ 10.00 mugove wega uye ine 5% yezvakawandisa zvakatengesa kutengesa mutengo. Kana iwe uchitengesa zvikamu zvako mukati megore rimwe rokutenga, iwe unogamuchira $ 9.50 pamagetsi. Kazhinji, iyo mitero inoenda pasi gore negore, saka mugore rechipiri, inogona kuderera kusvika ku 4% mari, mugore 3, 3%, nezvimwewo.
Kana iwe uine bha yako yeB share mari yeiyo inoda nguva yakawanda, maererano nedzimwe chirongwa chegadziro, saka hauzoiti kuti iwe uzvipe mari paunenge uchivatengesa.
4. Nheyo dzekutengesa nguva pfupi
Mari yekubatana yakagadzirirwa kuva nguva dzenguva refu dzekutsvaga; Nhepfenyuro dzenguva pfupi dzekutengesa dzakagadzirirwa kune dzimwe mari kudzivisa varimi kubva pakutengesa mukati uye kunze kwemari.
Mutengo wemari mukati memakore ako 401 (k) nhoroondo inogona kuiswa pasi pemazuva mashoma ekubhadhara mari.
Nguva shoma yekutengesa mari inotangwa apo iwe unotenga zvikamu uye wozvitengesazve mukati memazuva 30-90. Munyaya iyi, mutual fund inogona kukubhadhara chikwereti che 1-3% pakutengeswa kwezvikamu zvatsvaga kutenga.
5. 12 (b) Mari 1, Mari Yebasa, Kana Kuti Kuparadzira Mari
Mari zhinji ine basa rinoenderera mberi kana mari yekutengesa, iyo inonziwo 12 (b) 1 mari, iyo inobhadharwa kune mumwe mutungamiri wezvemari kana kambani yemari yemari semari yekutengesa mari.
Kana iwe uchitenga "C share" mutual fund iyo inowanzova neyadarika 1% 12 (b) 1 mubhadharo, pamwe nehomwe yezvikwereti. Kungofanana nechiyero chebhadharo, mari yebasa iri ichaderedzwa kubva kune mari yose yemari musati wawana mutengo wemugove.
Muenzaniso: Ngatitaurire kuti une chigoverwa cheC chinotengeswa ne $ 10.00 pagoga. Iyo ine kudzoka kwakakomba kwegore ra10%, zvinoreva kuti kubhadharwa kwekutsvaga kwekutsvaga kwaiva $ 1.00 pagoga. Iko mari yemari inoderedza 1% mubhadharo, saka kubhadhara kwako kwekutsvaga kuripo .89 masendi panzvimbo ye $ 1.00 yakazara.
Nguva dziri kuchinja
Mumakore achangobva kupfuura, varairidzi vave vava kunyanya kufunga nezvebhadharo yavari kubhadhara kutenga. Makambani ekubhadhara mari anonzwa kuomeswa kuderedza kumari yavo yekukwikwidza zviri nani ne ETFs, roboadvising, nezvimwewo zvingabhadhara mari shoma.
Zvidzidzo zvinoratidza kuti mutual fund yemari yakaderera zvikuru asi musarega kurinda kwako pasi. Mari yepamusoro inogona kukutorera huwandu huwandu hwekuwedzerwa kwepodfolio pamakore uye zvidzidzo zvinoratidza kuti mari yakakwirira haigoni kuenzanisa nekushanda zvakanaka.