Kuderedza Mutero Wako Mitero kuburikidza neIndelligent Allocation
Nzira yekugadziriswa kwekushandisa inoshanda sei
Chinokosha mukutsvaga mari ndiyo inowanikwa gore negore mushure mekubhadhara, kutengesa kwezvakabatanidzwa-kugadziriswa kunodzorera mutengesi anowana pamusoro wake. Verenga iyo mutsara zvakare: mushure mokunge mutero . Dzidza kuti ungaverenga sei chikwata chekuwedzera kwegore negore (CAGR) . Vaya venyu vanoziva nguva yakakosha yemari yekuenzanisa vanoziva kuti zvinoita sediki-zviyero zvinogona kuwedzera kusvika pamatambudziko makuru emari kana akasiyiwa ari oga. Kana uine zviyero kunyange zvishoma kudarika $ 100 kana zvishoma pamwedzi kuti uise mari, pane nzira dzaungatanga kutanga kuvaka chikwereti chinorehwa nehuwandu hwemari . Nguva imwe neimwe chikamu chekudzoka kwako chinotapirwa kuMunun'una Sam, kukosha kwemazuva ano kwefuma kunoderera zvikuru nokuti hausi iwe chete wakarasikirwa nemari yacho pachako, iwe warasikirwa nezvose zvakabhadhara zvingadai zvakawanikwa nekuisa mari iyo.
Nzvimbo yekuisa nzvimbo inoshanda nokuti marudzi akasiyana-siyana emari inogamuchira kurasikirwa kwemutero wakasiyana. Zvichienderana nehurefu hwenguva inoshandiswa pfuma, somuenzaniso, mari inobva pamari inobhadhara inotengesa pamatengo akaderera zvakanyanya kudarika chikamu uye chikamu chechibvumirano.
Muzviitiko zvemhuri dzakapfuma, mutero wekupedzisira wemari inowanikwa dzimwe nguva inogona kusvika yakareba se 35%. Nokudaro, nokuisa zvese zvinokwidziridza uye zvibvumirano zvekambani mumabhadharo ake emitero-yakakosha, mutengesi anokwanisa kukurumidza kuona kubhadhara mari yakawanda iyo dzimwe nguva inogona kusvika makumi ezviuru zvemadhora pagore uye, pakupedzisira, mamwe mamiriyoni ari muzvinhu pamusoro penzira yekubudirira kwehupenyu hwekutsvaga.
Muenzaniso wakajeka wekuti majeti ekuisa mari anogona kukuchengetedza sei mari
Chimbofungidzira iwe une podfolio yemari inosvika $ 100,000. Hafu yezvinhu zvako, kana kuti $ 50,000, inosanganisira kubhadhara mabhizinesi ebhizimusi anowana 8% iyo inokonzera $ 4,000 pagore muchibereko chekuwana mari. Twenty-five percent of the portfolio, or $ 25,000, is in stock stock with high dividends that generate $ 1,000 per year. Iyo yakasara makumi maviri nemashanu kubva muzana, kana $ 25,000, inosanganisira zvikwata zvakajairika zvisingabhadhari zvikamu.
Muchiitiko ichi, mutengesi mune 35% mutero webhakoni aizochengetedza mari $ 1,750 pagore nekuisa zvikwereti zvepamusoro uye zvibvumirano zvekambani mumabhadharo emitero. (Kuti uverenge izvozvo, wedzera mari inosvika $ 4 000 yemari inowanikwa uye mari ye $ 1000 inowanikwa pamwe chete kuwana $ 5 000. 35% mutero pa $ 5,000 i $ 1,750.) Hazvina musoro kuti aise chikamu chake chisina chikamu chekubhadhara chikwereti chinowanikwa munyaya yakadaro nokuti haasi kuzobhadhara mitero pane purogiramu kusvikira asarudza kutengesa utsva; kunyange zvakadaro, iye achabhadharwa pamutengo zvakakwana hafu yezvaaizobhadhara zvakasiyana! Kune vashandi vakawanda, mari inowanikwa yakawanda inotengesa pa15%.
A Guide to Asset Placement
Kana uchisarudza kuti ndeapi marongerwo ekuti iwe uise zvinhu zvako semabatanidzwa emakambani uye zvikwata zvinowanikwa, kazhinji kutaura, regai mazano mashomanana akajeka akubatsire nechisarudzo chako:
Nhaka dzinofanirwa kuiswa mukodhi- dzakabhadhara ( 401k , IRA , nezvimwewo):
- Yakakwirira-inobvumira mashizha akazara ane nhoroondo dzakareba dzebhadharo dzezvikamu
- Corporate bonds
- Risk arbitrage kutengesa
- Zvikamu zvekutengesa zvivako zvekuvakwa (REITs)
Nhaka dzinofanirwa kuiswa muzvikwereti zvese, zvisingabhadhara mitero yakabhadharwa ( kubhadharisa , kutengesa pfuma, uye nezvimwewo):
- Nzvimbo dzakawanda dzinowanikwa nebhadharo shoma kana kuti dzisina chikamu chaunotarisira kuchengetedza kwegore rinopfuura
- Mutero musasununguti wemasisita (sezvo vatove vasina mutero, hapana chikonzero chekuvaisa mumatare ehurukuro)