Tsanangudzo uye Tsanangudzo yeAsset / Dability Matching Strategy
Muchirevo ichi chidimbu, ndinoda kukufambisa kuburikidza nenyananguro yekukosha kwemafairo / kukodzera kutarisana, tsanangura kuti ingashandiswa sei munyika chaiye, uye kusimbisa, mumashoko akawandisa asiri ezvidzidzo, zvishoma zvingabatsirika zvekubatanidzwa nzira yekupinda mune imwe nguva yehupfumi hurongwa panguva uye kana yakakodzera.
Iko Tsanangudzo yeAsset / Mhosva Kufananidza?
Mune maitiro ayo chaiwo, mafairo / kukanganisa kuenzanisa ndiyo tsika yekuedza kuronga nguva yakatarwa yezvinodiwa zvemari, kunyanya mafashamo, nemuridzi wezvekuita uye kugadzirisa kusarudzwa kwemajeri munzira iyo inonyanya kusimbisa kuwedzera zvingaita kuti zvinhu iyo nzvimbo inotengeswa iyo inotengeswa kana kuvharwa, kubudisa mari yakakwana yekuwana mari, kana nenzira imwe neimwe iri nechokuita chiitiko chaicho chichaita kuti vhuzha rivepo apo mubhadhari anoenda kuti avasvike panguva yaanoda.
Chikamu uye chikamu chekuchenjera-yakagadzirirwa pfuma / mvumo yekufananidza purogiramu iri kuedza kuunza migumisiro inogadzirisa-inogadziriswa mitsva mukati mekudziviswa kwezvibvumirano zvinobva kune inotarisirwa kubuda kwemari inodiwa nguva.
Mienzaniso Yezvakakosha / Kubata Kufananidza Maitiro Anogona Kutarisa Munyika Yechokwadi
Kana iwe uchinge wanyonganiswa pamusoro pekuti izvi zvingashanda sei, ngatitarirei mamiriro maviri ezvinyorwa zvingangoita sechinhu chaunogona kuona munyika chaiyo, achifamba kuburikidza nechinhu chakakosha / chinokodzera chekuita chinogona kuwirirana pasi pemamiriro ose emamiriro ezvinhu.
Mufananidzo 1: Fungidzira iwe uri muzvinabhizimisi akabudirira. Iwe une mwanakomana ane makore mashanu uye mwanasikana ane makore maviri. Iwe unoda kuisa parutivi chikamu chemari yako yekubhadhara kudzidzisa vana vako vejijiji. Zvamunoda ndezveruzhinji rwemari yemari inowanikwa kune mamwe mazuva, uye pane dzimwe nguva, mune ramangwana. Kune mwanakomana wako, iwe unoda mari yemuchina inowanikwa mumakore gumi nemana kuti ufukidze mutsva wake wegoreji yekorojiji, mari yemari mumakore gumi nemashanu ekuvhara gore rake rekushanda kwekoroji, mari inorema mumakore gumi nematanhatu kuti apfeke gore rake guru rekoroji, uye chikamu chemari mumakore gumi nemashanu kuti apfeke gore rake rekukoroji. Mugore rechi17, iwe unodawo mari yekutanga yemari yemwanasikana wako kuti afukidze murume wake mutsva wekoroji. Mugore rechigumi nemana, mwanakomana wako anofanira kunge akapedza kudzidza uye asingachagoni kuvimba newe nokuda kwekusigirwa kwemari kuitira kuti kunze kwekutarisira kwakatarwa kunofanira kunge kuri gore rekunda wako wekugoreji. Mumakore 19, une gore remwanasikana wako wechidiki chejijiji. Pakupedzisira, mugore re20, une mwanasikana wako mukuru wekoroji.
Nzvimbo yekufananidza / kuenzanisa purogiramu yaizobatanidzwa kuvaka chikwata chemahofisi chinogona kutora nguva iyi. Semuenzaniso, kuongorora kwakanaka kwezvakaitika mumatongerwo emakambani ekutengeserana kunotaurira kuti chero munhu mumwechete, kana boka rezvikwata, rinogona kuderera mukutengesa kwemari ne 33 muzana kana, mune dzimwe nguva, 50 muzana kana kupfuura, pamusoro penguva shomanana yenguva kunyange kana bhizinesi riri pasi riri kubudirira.
Izvo zvinongova mugumisiro wekutsvaga kushandiswa kwekutsvaga mumatengesi makuru; mutengo uyo vatengesi vanofanira kubhadhara mukana wekugona kuwedzera pfuma yavo maererano nekutenga simba rekushandisa kwemakumi emakore . Zvichipa izvi, pasina mamiriro ezvinhu akafanirwa angaratidza kuti zvakasarudzwa zviripo, mutemo wakanaka wechigunwe kana uchitarisa nedanda rekusimudza rinofanira kutarisirwa uri woga nderokusava nemari yaunoda mumwedzi inotevera makumi matanhatu (makore mashanu) inotengeswa muchikwata chakafanana kana sarudzo yakasarudzwa kunze kwekuti iwe uchitenda kuti chikamu chekugoverana chete chichange chakakwana kugadzirisa kushaiwa kwezvinhu zvakashata kunyange kune zvimwe zvezvikwata mumapatotikiti kuti uwane chikamu chinotyisa chakatemwa.
Mufananidzo 2: Fungidzira iwe uri nyanzvi inoshandisa zvivako zvemuzinda kune rumwe rutivi. Iwe wakataurirana kutenga kutenga $ 2,000,000 mahofisi ehofisi muMidwest nemuimbova mumiriri, uyo akakubvumira kuti utenge iyo pfuma nekuuya ne $ 400,000 kuribhadharira nekuzoita kugara uchigara pamwedzi pamadhora madhora 1,600,000 sokunge kuti yakange iri mari yekutora chikwereti pane makumi matatu makore.
Zvisinei, mushure memakore manomwe, iyo yose yakasara muyero inowanikwa yakazara. Iwe unosarudza kubhadhara chivakwa zvachose panguva yebharoon kukura uye urongwa hwekutora chero mari yakasara yekuyerera kwemari kubva padzimba, yakabatanidzwa nemamwe mapato emari yako, uye inoivaka iyo kuitira kuti ive iyo chaiyo pazuva rekukura uye iwe unogona kubhadhara chikwereti zvachose kunze kwekuda kubhadhara chikwereti nedare rezvemari. Nzira yekufananidza / kukanganisa inosanganisira nzira yekutsvaga mari, kunyange iyo yaireva kudyara kwekubhadhara mari, iyo yakapa mukana wakanakisisa kuti iwe ukwanise kuita izvo zvinhu zvose zvinofungidzirwa.
Chirongwa Chezvimwe zveZvibvumirano neZvirongwa zveAsset / Mhosva Kufananidza
Kubudirira kukuru kwekushandisa sarudzo / mvumo yekufananidza nzira muhutungamiri hwekuchengetwa kwemabasa ndeyokuti inogona kukubvumira kuderedza zvakanyanya njodzi dzengozi dzaungasangana nadzo semusimari kana chirongwa ichi chagadzirwa uye chichishandiswa nekuchenjera. Semuyenzaniso:
- Nhaka Yakanaka / Mhosva Kufananidza Kunogona Kuderedza Kuwedzerwa Kwengozi: Dambudziko reReinvestment rinoreva dambudziko rausingazokwanise kudzorera mari inoyerera kubva kune imwe yekubhadhara panguva imwe chete kana yakakwirira yekudzoka seyokutanga kushandiswa, zvichiita kuti pave nekuderera kwepasi rose mutengo kupfuura iwe waunofunga kana unoda. Nechinhu chakanaka / chinokodzera kufanana nenzira, iwe unogona kusarudza chimwe chinhu chakafanana nehuro-coupon bond panzvimbo yehutano hwechigarire . (Zero-coupon bond ine njodzi yakakura yehuwandu hunokonzerwa nehukuru hwekunzwisisa kune huwandu hwezvikwereti asi iyo pakupedzisira haibatsiri iwe usina chaunoda kana kuti unoda kutengesa zvinhu izvi musati wakura, pane zvayo, kune zvidimbu zvakakosha maererano nehutengo hwekwereti , kutengesa kwenyika, nezvimwewo)
- Nhaka Yakanaka / Mhosva Kufananidza Kunogona Kuderedza Dambudziko Rokuita Mungozi: Nokutaura nguva yakaoma yakatarwa apo mari inofanirwa kuwanika, mutengo unofanirwa nehutano unoita kuti kusimbiswa kuchengeteka kwevakuru, kana kuchengetedzwa kwekuchengetedzwa kwemari , kudarika chinzvimbo chekutsvaga mari simba. Izvi zvinogona kubatsira mutyairi kana mutungamiri wemapurisa, mune chimwe chinhu chakafanana nekambani yakagadzirirwa pane imwechete kana kana achitarisana nekambani yekuchengetedza mararamiro , zvinonyatsoziva kuti ndezvipi zvidzidzo zvekuchengetedza, maturities, nezvimwe zvikamu zvekuchengetedzwa kwakapiwa kana kuti zvidzidzo zvemafa zvakakodzera zvakanyanya . Zvechokwadi, izvi hazvisi nguva dzose zvisina maturo; somuenzaniso, kupupurira nhamba yevatengesi vakazviwana ivo vachibata zvinhu zvakadai sekutsvaga-kutengesa kwekutsvaga panguva yeHarare Recession kugumburwa kwa2001-2009, vamwe vavo vakarasikirwa nemamiriyoni emadhora mune zvavanotenda zvisiri izvo kuva mari yakawanda yemari .
- Nhaka Yakanaka / Mhosva Kufananidza Kunogona Kudzivirira Kurwisana Nesimba Mhando: Kana wave wakagadzira nekushandisa hurongwa hunosanganisira pfuma / kukodzera kuenzanisa, zvingava nyore kuti mupfungwa uite zvakanyanya kukoka kwemashamba nokuti meso ako anogadziriswa pazuva rokupedzisira. Izvi zvinogona kureva kudzivisa kuita zvikanganiso zvisinganyengeri apo makore emadutu emvura anounganidza; chinhu chinonyanya kukosha icho vazhinji varairidzi vanotora. Kana usina chokwadi kuti izvi zvingave zvakasimba sei, funga imwe nhamba inotyisa kubva kune imwe mari yekutsvakurudza yakawanda inonzi Morningstar: Maererano nekuverenga kwavo zvakare muna 2014, mutero wekusimba wekutsvaga akanga ari kurasikirwa nechechi inokwana 2.5 kubva pagore pamusana pemari yemari yekuyerera nguva. (Zvikonzero zvakadai sezvizvi ndeimwe zvikonzero izvo shandhu guru reVanguard inofungidzira "kukosha kwekuwedzerwa" kwekubhadhara mutungamiri wemugove wehupfumi uyo akatevera "maitiro akanaka muhupfumi hutungamiri" pa "Inenge 3 muzana mumitambo yekutengesa" gore negore, kupfuura Kunyora mapepa mapepa akafanirwa kuverengwa. Inonzi Kuisa kukosha pane kukosha kwako: Kuenzanisa Vanguard Advisor's Alpha, September 2016 naFrancis M. Kinniry Jr., CFA, Colleen M. Jaconetti, CPA, CFP®, Michael A. DiJoseph, CFA, Yan Zilbering, naDonald G. Bennyhoff, CFA.Chimwe chati chinotaurwa pano mufananidzo 1 riri papeji 4 ne28).
- Nhaka Yakanaka / Mhosva Kufananidza Kunogona Kubatsira Dambudziko reMari neChechi yeMarike: Kana iwe uchida kunzwisisa kukwidzwa kwezvinhu zvakasikwa / kutaridzika, haufaniri kutarisa zvinowanikwa nemakambani akawanda einishuwarenzi pasi pose se nyika, kunyanya Japan uye pamwe nenyika dzakawanda dzeEurope, kurwisana nekusingaperi, uye mune dzimwe nguva, zvisina kunaka, chibereko. Aya makambani einishuwarenzi akaita zvivimbiso mumitemo yavo yakabva kune dzimwe dzidzo dzekudzoka pamahofisi avo ezvisungo akaonekwa zvachose zvine musoro mune zvese zvinenge zvese zvakaitika kare asi izvo zvakazoitika kuti hazvigoneki munyika umo mari yavo yakawandisa yakanga isingagoni kuwana zvakawanda kune chinangwa chemari chemabhangi makuru. Kutaura zvazviri, dai wakanga wataurira vatongi vemakambani aya kuti vangave vachienda kuputsika, kana kuti vachitambura zvakanyanya kushaya kukanganisa, mune imwe nyika inoratidzika isingagumi 1 muzana kana zvibereko zvakaderera pazvikwereti zviduku zvenguva pfupi, vangadai vakaseka iwe. Asi, ndizvo zvakaitika. Nesimba rinoenderana nehurongwa, sarudzo inoshandiswa kuisa pfungwa pakukwanise kuzadzikisa zvivimbiso, yakayerwa muzita rekutsvaga simba, iyo yakaitwa kuitira kuti mari yakaenzana yemadhora kana Euro, pound sterling kana Swiss Francs, yen kana zvimwe zvimwe mari yakarongedzwa, inowanikwa mune zvakakwana zvakakwana kana zvichidiwa.
Mamiriro Edzimhosva Aunogona Kufunga Kushandisa Nhaka / Mhosva Kufananidza Chirongwa
Heano mamiriro mashomanana kana mamiriro ezvinhu mukati kana mauri pasi apa waunofunga kufunga nekugadzira uye kushandisa sarudzo / mvumo yekufananidza zano:
- Urongwa hwekurega basa; kunyanya, kuva nenyaya dzako kushandurirwa kumhanyiro ekusimbiswa kwemari panzvimbo pekuunganidza kugadziriswa kwepamusoro apo iwe uri pedyo nezuva raunotanga kutanga kutora kubvisa.
- Kubhadhara mari yekoroji yevana vako, vazukuru, vana, vana vazukuru, kana vamwe vagari venhaka kana vanobatsirwa.
- Chirongwa chekutenga imba, imba yechipiri, kana kuti zvivako zvekutsvaga.
- Chirongwa chekukura kwechikwereti kana chimwe chikwereti chine chikamu chekubhadhara chikamu mumashoko ekuvimbisa.
- Kuita zvipo zvisingabhadhara mutero kusvika kune zvipo zvemitero zvinoshandiswa sechikamu chemakore akawanda kana yemamiriyoni gumi ekutengesa kwekodzero yekodzero yekutsvaga kukosha kwenzvimbo yako .
- Kugona mari yekubhadhara pamhosva yekutongwa kwemhosva kana zvimwe zvinokonzerwa nemhosva zvinogona kutora makore kugadzirisa.
- Kugadzirisa mari yekubhadhara muchato wemwana kana mwanakomana wako akasangana nemurume wake kana mudzimai wake, kana mwanasikana wako anosangana nemurume kana mudzimai wake weramangwana, mutengo wekugamuchira uye, zvichida, hupenyu hwemhuri hwakavharwa.
- Kuumba dziva remari iyo ichazoshandiswa kushandiswa kutanga kwebhizimisi kana kuti kutarisira kushandiswa.
- Kugadzirisa nzvimbo yekutora iyo inoshandiswa kubudisa mumwe muukama muhukama hushoma , nhengo mune imwe kambani ine chikwereti chakakosha , kana kuti muridzi wekambani mune imwe kambani panguva yakatarwa, yakadai sekusunungurwa kwechiremba kune zvakanyatsobatwa chirwere chekurapa kana mumwe wekambani pamutemo wepamutemo.
- Kuisa pamari mari yekushandiswa kubhadhara inotarisirwa mutero.
- Kuuya nezvibvumirano zvakavimbiswa kana zvivimbiso pamatawi chaiwo sechikamu chemagadzirirwo emagetsi.
Zvechokwadi, kune zvakawanda zvakawanda asi izvi zvinofanira kukupa pfungwa yakazara yakakwana sekushandiswa kweiyo iyo gwaro rekuchengetedza basa rinoshandiswa nevanoita-ivo-iwe pachavo vatengesi, vatariri vezvemari , uye masangano emari zvakafanana.
Kuti udzidze zvakawanda pamusoro pekuchengetwa kwepasitoreti uye kubhadhara mari yakawanda, ungada kuongorora zvinotevera:
- Mufambiro Wese Wekutanga wekutsvaga muZvondo
- Nzira Yokunyora Nayo Mari Inotaurira Mutemo
- Miedzo minomwe yekudzivirirwa kweStock Selection
- Mamwe Mapurisa Akasiyana Akave Akaitika Kare muIndaneti
- Asset Allocation Basics
- Kuita Mari nekuvaka Zvose Zvakakosha
- Zvitanhatu Zvimwe Mafa Asset for Successful Portfolio Management
- Chii Chakanaka Kudzokera Kumari Yako?
- Nzira Dzakaparadza Pfuma Yenyu uye Kuvimbisa Upenyu Hwourombo
- Kuisa muIn Index Funds kune Vatangi
Iko Balance haisi kupa mutero, utsvaga, kana mari yemari uye mazano. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kushivirira kune ngozi, kana mamiriro emari yemumwe mutengesi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru.