Nzira Yokuita Sei Vana Vakatanga ne Mutual Funds
Ichi chinyorwa hachigadziri kuchengetedza dzidzo zvakananga asi kunotarisa pfungwa yevana vanotanga kutanga kwavo nekutsvaga mari. Izvi zvinotora kubata nguva yakareba kwenguva refu, iyo inopfuura makore gumi uye zvichida kusvika 20, 30, 40 kana kunyange makore makumi mashanu.
Uyewo chengetedza mupfungwa kuti vana vanogona kukwanisa kuzarura rega rega Retirement Retirement Account (IRA) kana vakawana mari. Somuenzaniso, kana vakaita basa rejare kana kuti mwana agere mubasa rezhizha, vanogona kutanga maIRA yavo vokutanga kugadzirisa kubhadhara. Shandisa simba rekuwedzera chido! Pakutanga vanotanga kusima zviri nani.
Nei S & P 500 Index Funds Inogona Kuve Yakanakisisa Imari yevana
Shanduro yakanakisisa yeS & P 500 Index mari inogona kuva nzvimbo yakanaka yekutanga kuvaka purofigoreti yemari yekutengeserana nokuti vazhinji vavo vane mari yakaderera zvikuru uye vanogona kukupai pachena kune vakawanda kana mazana ematokari anomiririra maindasitiri akasiyana mune imwe mari.
Saka, iwe unogona kusangana nechinangwa chekutanga chekuwana mari yakaderera, yakasiyana-siyana mutual fund. Kuti uwane zvakawanda pamusoro pemari yekuenzanisira, tarisa Index Index Yedu Investing FAQ peji. Zvakare, Vanguard, Fidelity uye T. Rowe Price ndezvakanaka makambani ekubhadhara mari yekodzero dzemari. Iwe unogonawo kutarisa Charles Scwhab .
Kuisa mari kune vana Kazhinji Kunotanga Nekamwechete Mutual Fund
Kana iwe uchida kutora nzira yakajeka zvikuru uye iwe uine mari imwe chete , kune zvishoma zvingasarudzwa zvinoshanda zvakanakisisa maererano nekuchengetedza mari shoma uye divizizi yakafara:
- Mari yakarongeka : Inonziwo mari ye hybrid kana asset allocation funds, mari yakaenzana mari inobhadhara mari inoshandisa mari yakaenzana yemari, masangano uye mari. Kugoverwa kunowanzosimbiswa uye kunotengesa maererano nechinangwa chekutsvaga mari kana chimiro. Semuenzaniso, Fidelity Balanced Fund (FBALX) inofanirwa kugoverwa kwemafaji makumi mashanu ezana makumi mashanu ematokari, 30% yezvisungo uye 5 muzana mari. Izvi zvinonzi sechiitiko chepakati pepamusoro kana chikamu chepamusoro . Ichi chiyero chematokisi uye zvisungo zvinopa huwandu hwakasiyana-siyana muhomwe imwe chete.
- Target Date Mutual Funds : Inonziwo mari yekushandura hupenyu kana mari yekubhadhara mari, Target-Date Mutual Funds inoshandisa mukusanganiswa kwematokisi, zvisungo uye mari yakakodzera kuti munhu aite mari kusvikira kune rimwe gore. Sezvo zuva rekutarisana richiswedera pedyo, mutungamiri wezvikwata achaderedza zvishoma nezvishoma kutengesa kwemazimusi nekuchinja zvinhu kubva mumatokari uye kuva zvisungo nemari, izvo ndizvo zvinotarisirwa nemunhu mumwe nomumwe. Saka, chinangwa-zuva mutual funds ndeye mutauro we "sarudza uye ukanganwe" kushandiswa. Semuenzaniso, kana iwe uri kuchengetedza zvekurega basa uye uchifunga kuti ungasara kunze kwegore ra2035, chisarudzo chakanaka iwe unogona kuva Vanguard Target Retirement 2035 (VTTHX). Zvino iwe unokwanisa kupedza tsvakurudzo yako, nguva nenguva uwedzere mari itsva muhomwe, uye tarisa dendere rako raikura kana uchienderera mberi nekurarama hupenyu hwako!
Zvingaita Kuti Vana Vangatanga Kutengeswa Ne $ Just $ 100
Imwe tsvina yepamusoro yepamusoro yehutano yemari ndeyekuti inoda huwandu hwekutsvaga kushandiswa kusvika kusvika $ 3,000 kuti utange. Zvisinei, Charles Schwab ane huwandu hwehutano hwemari pamwe chete nehuwandu hwekutsvaga kwekutsvaga mari shoma se $ 100 . Heano zvimwe zvezvakanakisisa:
- Schwab Balanced Fund (SWOBX) : Mari yakaenzana inogona kuva nzira yakakodzera yevatangi vematangi kutanga kuisa mari nokuti iri mhando yakasiyana-siyana (yeyero) yematokisi, zvisungo uye mari. Mumashoko akasiyana, mari yakaenzana inogona kuva chikwereti chakakwana mukati mavo! Shanduro yeScwab Balanced Fund inoshandiswa kugoverwa kwemapato makumi matanhatu ematengo, 35 muzana mabhandi uye 5 muzana mari. Izvi zvinokonzera kuenzanisa kunonzwisisika (midzi-ingozi) iyo yakakodzera kune vashandi vakawanda. SWOBX inowanzoita mutambo wepamusoro-yepamusoro uye inotanga kushandiswa kwema $ 100 chete.
- Schwab S & P 500 Index (SWPPX) : Zvakaoma kusafambisa nehomwe yehomwe yekwereti ine chikamu chiduku chekutanga chekutenga mari ye $ 100 uye chiyero chepasi chemari chenguva ye09% chete, iyo inokwikwidza iyo yeVanguard mari. Pa100 muzana mashizha, vatengesi vachada kukwanisa kuchengetedza panguva yemisika dzisingabvumirwi nemisika , apo mutengo wematengo unogona kuderera ne20 muzana kana kupfuura mumakore mashomanana chete. Zvisinei, nguva yakareba (inopfuura 10-year) inodzoka mune zvekutsvaga index index ndeyomumwe mukukwikwidza kwevose mutual fund types.
- Schwab International Core Equity (SICNX) : Kana iwe uchida kuwedzera chikwereti chako kuti uise mashomanana kunze kwenyika, iri mari iri pakati pezvakanakisa zvemari isina mutoro uye zvishoma nezvishoma kutenga ma $ 100. SICNX inotengesa muhomwe huru-mashizha (makambani makuru) ari kunze kweUnited States. Nguva yakareba yekushanda kwepamusoro yakaenzana neyekumwe imwe yemari yakawanda yenyika dzakawanda.
Imwe nzira yekuwana kuderedzwa kwehuwandu hwekutanga huwandu hwekutsvaga mari ndeyekupa mari kuburikidza neIRA uye kuzvipira kune hurongwa hwekugadzirisa hurongwa . Ne urongwa uhwu, unogona kutanga kutengesa nekuita zvishoma kudarika $ 100, chero bedzi iwe uchiramba uchitenga nguva dzose.
Zvino chienda undotora vana ivavo vakatanga kutora mari!
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.