Nzira yekuti Vakuru vekutsvaga vatengi vanogona kuvaka Dzimba
Kuwana zvikwereti zvakakwirira nemari pamwe chete inangwa vavashambadzi vazhinji vanogovera. Kunyange zvakadaro kuwana kuwedzerwa kwepamusoro kuchasvika nguva dzose inoda kubvuma misika yakawanda yemisika. Nokudaro, vasati vagadzira chikwereti chezvemari , vatengi vanofanirwa kutsanangura chinangwa chavo chekutsvaga uye vanoziva zvakakwana kushivirira kwavo kune ngozi.
Icho Chigumbu Chine Mhirizhonga Chakanaka Kwauri?
Kune matatu matatu ezvinyorwa zvezvikwata zvemahofisi: mahofisi echisimba, mahofisi ekuenzanisa uye mahofistiri anochengetedza . Kusarudza rudzi rwakanaka rweporofigoreti kwakafanana nokusarudza kukwira paki yekunakidza. Kukanganisa kwakaipisisa kwaunogona kuita ndiko kusarudza rwendo runotyisa iwe uye kunoita kuti iwe ude kusvetuka kubva mukati maro. Zvinotoshamisa ndezvokuti chinhu chimwe chete pamusoro pepakiti yekupembera ipakiti ndechekuti ivo vakachengeteka nokuti vanokuchengetedza iwe! Kana zvasvika pakuisa mari, iwe unogona "kumhanya kubva pamba" nokutengesa mari yako pakati pekumusika. Izvi zvinogona kukuvadza nokuti iwe unotengesa pamitengo yakaderera usati wawana mukana we "kutasva" zvikamu zvegoverwa zvakare.
Muchidimbu, zvakakosha kusarudza kufamba (kana chikwereti pane iyi) kuti iwe uchange wakasununguka kugara pamwe chete nekufamba kwose, izvo zvinoreva kuti chikwereti chako chekubhadhara mari chakazadzikisa chinangwa chako chekutsvaga uye iwe wakazadzisa mari yako yekuenda.
Heino nzira yekuisa iyi mazano ekuisa mari yekushanda:
Ndivanaani Vanofanira Kuzviisa MuHurumende Zvisimba
Nzvimbo inoshungurudza inokodzera kune mutyairi ane ukama hwakanyanya hwekutsungirira uye nguva yakatarisa kwenguva refu kupfuura makore gumi. Chikonzero cheizvi ndechokuti mapuritoriki ane utsinye anowanzobatanidza mamwe mashizha kunze kwemahofisi ane masimba uye anochengetedza.
Saka mapurisa ane hutsinye anowanzoita kuti vanhu vasanyanya kuwedzera (kuwedzera uye kuderera mumutengo wekutengesa) kupfuura mamwe mapepafoliyo.
Vashandi vanoita zvekutsvaga vanoda kugamuchira nguva dzekutengeserana kwemahombekombe (ups uye pasi mu kukosha kwebhuku) mukutsinhana kwekugona kwekuwana yakakura kudzoka kwechikwereti icho kunze kwekunyika kwepamusoro nechepamusoro.
Muenzaniso Wekugadzirisa Kugoverwa neMutual Fund
Chiitiko chinoshungurudza chikwereti Asset Allocation is 85% Nhamba uye 15% Bonds. Heano muenzaniso wekunyadzisa kworoporeti uchishandisa maitiro evanhu vemari pamwe chete:
30% Yakawanda-yakawanda (Index)
15% Mid-cap stock
15% Small-cap stock
25% kunze kune dzimwe nyika
15% Mukatikati-bond Bond
Chinonyanya kukosha ndechokuti kune imwe chete kukanganisa kukuru kwekuita nekugadzira chikamu chemari yekutengeserana mari uye ndeyekutenga mari isiri yakarurama yezvinangwa zvako uye kushivirira kwekutengesa. Semuenzaniso, kana kusanganiswa kwevamwe mari yako kune hutsinye, kana iwe uchifunga kuti unogona kurasikirwa nehope usiku uchinetseka kuti mutual fund yako yepodfolio inogona kuderera mukukosha, iwe unogona kufunga kuvaka chikwereti chenguva yakatarwa kana chikwereti chekuchengetedza.
Kamwezve, yeuka kuti kuvaka chikwata chemari yekutengeserana kwakafanana nekusarudza kutasva paki yekunakidza: Unoda kusarudza rwendo rwaunofarira uye imwe apo iwe haungatsvaki kuruka shure mushure mokutanga kunotyisa.
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.