Kwenguva yakareba sei-Vatengesi Venguva Dzekushandisa Vanogona Kushandisa Mutual Funds
Somuenzaniso, kana mupi wezano rekutsinhanisa achibvunza mibvunzo kuti aone kuregererwa kwako kwengozi, vari kutsvaga kuziva kuti zvii zvekutsvaga mari zvakakodzera iwe uye zvinangwa zvako zvekutsvaga, izvo zvinosanganisira nguva yaunenge uchizoita. a-do-it-yourselfer: Zvakakosha kusarudza mari yakanakisisa yakakodzera iwe nemari yako inoda mari.
Saka kana iwe iwe usingafungi kubvisa mari kubva kubhadhara yako yekutengeserana kwemakore gumi, iwe unogona kuonekwa somurimi wekutsvaga kwenguva refu. Uye kana iwe usingarasikirwi nehope usiku uchinetseka nezvekuti mari yako pamwe chete iri kuita sei zuva rega rega, mwedzi, kana roga roga, unogona kutora dambudziko guru uye kuva nehasha.
Nzira Yokuva Mutengesi Wenguva refu
Kazhinji vashandi venguva refu vanoshandisa kutenga uye kubata sarudzo , uko mari yekutengeserana inosarudzwa uye yakatengwa asi haina kuchinjwa kusvika kumakore akawanda kana kupfuura. Iyi sarudzo yakave yakanyatsorondedzerwa zvakanyatsorongwa nehupenzi hwepasitosti .
Mumwe muzvikwereti kwenguva refu anogona kukwanisa kutora mari yakawanda yemusika nemari yavo. Nokudaro, kana vasingatarisiri kutora dambudziko risina njodzi, vanogona kusarudza kuvaka dambudziko rekugadzirisa mari .
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.
Semuenzaniso aggressive portfolio yefa yekugoverwa ndeye 85% Nhamba, 15% Bonds.
Mienzaniso yeZvesheni Zvakanakisisa zveKutsvaga Kwenguva refu
Chekutanga mari yekutsinhanisa vanhu vakawanda vanofunga pamusoro pekutsvaga kwekugara kwenguva yakawanda ndiyo matanda. Izvi ndezvekuti vakagara vachiwana huwandu huwandu hwemari yekudzoka kupfuura dzimwe dzekutsinhanisa nekuchengetedza motokari, zvakadai sezvisungo uye Zvitatimiti zveDhipatimendi (CDs).
Stock mutual funds, kunyanya kuwedzera mari yemari uye kukurira kukura kwemari yemari yakakodzera kune vakawanda venguva refu varimi. Vazhinji venguva refu varairimi vanodawo kushandisa mari yekutsvaga mari yekudhura kwavo uye tsika yavo yekuenzanisa zvakanaka inodzoka kwenguva yakareba, yakadai semakore gumi kana kupfuura.
Kuvimbika Kwekutsvaga hupi hupi hupi hupi hwakanakisisa husina mutoro wekukura kwekubhadhara mari, yakadai seFidelity Growth Company (FDGRX) , Kuvimbika Mid-Cap Stock (FMCSX) uye Fidelity Low-Priced Stock (FLPSX) . Vanguard ine imwe yepamusoro yeS & P 500 index index, Vanguard 500 Index (VFINX) .
Mukupfupisa, sarudzo yako yekutanga yebhizimisi pakuvaka chikwereti chemari yekutengeserana mari ndeyekutarisa kushivirira kwako kune ngozi uye nguva yako yekubata. Munowanzo, nguva yakanyanya kubata nguva yako, yakanyanya kukwanisa kuisa njodzi.
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.