Neiko Munyika Dzepasi-Dzimba Dzakachengetwa Dzave Nzvimbo Munzvimbo Yenyu Yepamusoro
Muchikamu chino, tichatarisa nyaya yekuisa mari kune dzimwe nyika zviduku-nhomwe dzekutengesa uye kutsvaga mamwe emari yakanakisisa ekugadzirisa kusvitsa mukati mako.
Sei Tichifanira Kuisa Muchidiki?
Zviduku-zvitsotsi zvinowanzotsanangurwa semakambani anotengeswa nepamusoro-pamba ane misika yemari yemadhora mashoma kupfuura US $ 2 bhiriyoni. Nezvo izvo zvingasaita sekuti 'nhamba duku', zvinokonzera ndezvokuti chikwereti chako chinonyanya kugadzirisa zvikwereti zvinokwana US $ 10 bhiriyoni kana kupfuura. Chikonzero chekusaenzana kwakadai ndeyekuti mari zhinji inoteerera zvikwereti zvinoremerwa nemari yemari - iyo iyo, makambani makuru anotora chikamu chikuru pane imwe nzvimbo.
Dambudziko rekutsvaga mari chete muhomwe huru-mashizha ndeyokuti vanowanzova nekukwirirana kwakakwana nemusika wose - shure kwezvose, ndeye marusi ose. Nekusiyana pakati pezvinhu zvishoma zvakabatana, vatengesi vanogona kukanganisa kuderera mumusika wose uye kuderedza kusarudzwa kwavo kwepodfolio . Izvi zvinoreva kuti nzvimbo yavo yepamusoro haikwanisi kupera sezvakawanda panguva yemakethe yeBhakisi, asi inogona kuramba ichingobata zvakanaka panguva yemusika wekutsvaga.
Kune zvakawanda zvingabatsire kuparadzanisa mune zviduku zviduku-mashopu:
- Diversification . Zviduku-zvidhi zvinyorwa zvishoma zvisinganzwisisiki kumusika wose, izvo zvinoita kuti zvive nzira yakanakisisa yekusiyanisa chikwereti. Semuenzaniso, Schwab US Small-Cap ETF (SCHA) inongogadzirisa 0.864 chete neS & P 500 ichienzaniswa nekambani yekutengesa 0.998 yeSchwab US Large-Cap ETF (SCHX).
- Zvakanaka Kudzorera . Zvimwe zvidzidzo zvakaratidza kuti Small-Cap stocks inowanzoita kuti vaonekwe nevezera ravo guru pamazuva ose. Semuenzaniso, The Cross-Section of Expected Stock Returns yakabudiswa mu Journal of Finance yakaratidza kuti zviduku zviduku zvinokonzera mahombekiti makuru uye zvigadzirwa zvekugadzirisa zvikwereti zvinowedzera kuwedzera kwezvikwata pamusoro penguva refu.
Dzimwe nyika shoma-nhovo dzemaoko dzine huwandu hwakawedzerwa hwekugadzirwa kwezvinhu munzvimbo dzakasiyana kunze kweUnited States. Izvi zvinogona kubatsira vashandi kuti vanyatsogadzikana uye vanobva kuUnited States 'sangano rezvemari uye vanogona kuvandudza mararamiro akashandurwa . Kuisa mari kune dzimwe nyika kune dzimwe nyika kunopawo pfungwa dzakawanda paunofunga kuti iyo US equity account inodarika hafu yehuwandu hwehutengo hwemari.
Kufunga Kukosha
Zviduku-zviduku zvingasave zvisina kukodzera kumusorosoro wevatengi vose. Semuenzaniso, mutengi ari kuswedera kumubhedheni angada mari yakagadziriswa kana kuti chipukisi chebhuruu kuitira kuti kuderedza kusagadzikana, izvo zvinoreva kuti zviduku-duku zvepasi rose zvingasave zvakakwanira pabasa rake. Vamwe varairidzi vane nguva shomanana vanogonawo kuedza kudzivirira zvikwereti zviduku zvishoma sezvo zvichiita kuti zvive zvakanyanya uye zvinogona kutora nguva yekuita zvakanyanya kudzoka.
Vashandi vanofarira zvikwata zviduku zvitsva-masheji vane zvingasarudzwa zvakasiyana kana zvasvika pamari. Kunyange zvazvo madiki akawanda-mahombekombe akashanda seanowanzo-akaenzana nhamba, mari itsva ye -smart-beta inopa mazano akasiyana-siyana anokwanisa kufarira varimi. Muenzaniso mukuru ungangodaro huri kunyanya kurongedza mazano ekugadzirisa maitiro emakambani maduku emakemikari nemakwikidziro anokosha ekuderedza ngozi.
Pakupedzisira, vashandi vanofanirwa kunyatsotarisa chikamu chemari yekubhadhara mari uye boka revatungamiri vasati vaita mari. Mari inoshandiswa inogona kuva nemigumisiro inoshamisa pakudzoka kwemazuva mazhinji uye mari inoshandiswa pamari shoma shoma inowanzove yakawanda kudarika mari huru-cap. Simba reBeta maitiro anowanzova pakati pezvikwereti zvinodhura, izvo zvinoreva kuti vatengesi vanofanira kuve nechokwadi chokuti mari inowedzera inopa rubatsiro rwakakwana kwavari.
Best Small-Cap Funds
Shandu-inoshandiswa mari (ETFs) uye mutengo wemari ndiyo nzira inonyanya kuwedzera yekuisa zvishoma pamakona ako, kunyanya kana inosvika kune dzimwe nyika. Kutenga munhu mumwechete mabhizimusi kunosanganisira kuwanda kwekutsvakurudza uye kunoda nguva dzose kubatanidza kuchengetedza njodzi zvinhu mukutarisa. ETFs inosarudza zuva nezuva kusarudzwa kwemashamba uye kuenzanisa kwepakati pakutsinhanisa kwechidimbu chechibhadharo chinowanzova chakanyanya kuderera kupfuura mutual funds.
Iyo yakakura kupfuura dzimwe nyika dzepasi duku dzeEngland-Small ETF dzinosanganisira:
- iShares MSCI EAFE Small-Cap ETF (SCZ)
- Vanguard FTSE Yese-Nyika yeUni-Small Small Cap ETF (VSS)
- WisdomTree International Small-Cap Dividend Fund (DLS)
- Schwab International Small-Cap Equity ETF (SCHC)
- Schwab Fundamental International Small Company Index ETF (FNDC)
- SPDR S & P International Small-Cap ETF (GWX)
- iShares FactorSelect MSCI International Small-Cap ETF (ISCF)
Vashandi vanogona kusarudza mari pamwe chete vane zvakawanda zvingasarudzwa:
- Oppenheimer International Small-Mid Company Fund (OSMAX)
- T. Rowe Price International Discovery Fund (PRIDX)
- Fidelity® Series International Small-Cap (FFSTX)
- Wasatch International Opportunities Fund (WAIOX)
- MFS International New Discovery Fund (MWNIX)
- Oberwise International Opportunities Fund (OBIOX)
- Fidelity® International Mikana Yepfupi Dzakawanda (FOPAX)
The Bottom Line
Nzvimbo dzepasi-duku zvinyorwa zvitsva inzira yakanaka yekusiyanisa chero mapepa. Mukuwedzera kune zvakasiyana-siyana zvenyika, zviduku zviduku zvakanyanya hazvibatanisiki kumusika wose uye zvinogona kubatsira kubhadhara mari. Mari iyo inotaurwa munyaya ino inopa vatengesi nzira iri nyore yekuwana nayo zvinhu izvi, asi zvakakosha kunyatsofungisisa zvinotarisirwa vasati vaita mari.