Ona mazano akanakisisa emari yevakatanga
Kusarudza mari yakanakisisa yevatangi vekutanga haisi nyaya yekuwana vakanakisisa vanoita zuva racho. Pane kudaro, vatangisi vakachenjera kuziva zvinangwa zvavo zvekutsvaga uye zvirongwa zvemangwana uye kugadzirira kwenguva yakareba sarudzo.
Nokudaro, uchifunga kuti unoda kuzviita iwe pachako, kusiyana nekushandisa mupi wezano, kuchenjera kuziva kuti makambani ekubatanidza mari anei zvakanakisisa zvakasiyana-siyana zvebhadharo, pasina-mutoro wemari. Iwe unokwanisa kubva ipapo kuenda kune mari yekugadzirira kubva ipapo.
Sei uchishandisa mari isina mutoro?
Hapana-mutoro wemari yakakosha kune vatangadzi nokuti havana rusununguko dzemakambani uye kutengesa mari, pamwe chete vanozivikanwa se "mitoro," iyo inofanirwa sekubhadhara kwemashoko ekupa mazano. Kana iwe uri kutenga yako pachako mari, inofungidzirwa kuti watoita kuti iwe-iwe-iwe pachako uye mupirienzanisi wekuenzanisa uye wakasarudza kuitora uri woga pamwe chete nekutengesa mari yako mutual. Nokudaro hapana chikonzero chakanaka chokubhadhara mari nemari yemari, kunyanya nokuti mari-yega-mero inowanzopa hutano hwakakosha kupfuura kutakura mari pamusoro penguva refu yekubata nguva. Mamwe mazwi akasiyana, kana iwe uri kutenga uye unobata mutengesi uye chinangwa chako chekutsvaga (sekuregera basa) kune makore akawanda kana kupfuura kubva ikozvino, iwe ungangoita zvakanakisisa pasina mari-mutoro.
Shandisa Rimwe Rakanaka Iko-Load Mutual Fund Companies
Ndiri kufungidzira kuti hauzomiri nechinguva chimwe chete uye mari yako yekutsvaga yakareba kwenguva refu (makore anopfuura 5).
Saka iwe unoda kufunga nezvekanakisa pasina-load mutual fund makambani ane zvikwata zvakasiyana-siyana zvekutengeserana zvikwereti uye mhando nokuti iwe uchada kuramba uchigadzira mutual fund yako yepodfolio kuitira zvinangwa zvekusiyana . Mamwe emakambani akasiyana-siyana asina mutoro mutual fund anosanganisira Vanguard Investments, Fidelity, uye T.
Rowe Price.
Nei S & P 500 Index Index inogona kuva yakanakisisa kune vatangatanga
Iko mari yehurukuro inogona kuva nzvimbo yakanaka yekutanga kuvaka purofigoreti yemari yekubatana mari nokuti vazhinji vavo vane mari yakaderera zvikuru uye vanogona kukupa 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. Unogonawo kutarisa Charles Schwab.
Nzira yekutsvaga mari muhomwe imwe chete
Kana iwe uchida kutora nzira yakajeka zvikuru uye kuisa mari yemari mune imwe mari yekutengeserana , kune zvishoma zvingasarudzwa zvinoshanda zvakanakisisa maererano nekuchengetedza mari yakaderera uye kuwedzera kwekusiyana-siyana:
- Mari Yakaringana : Inonziwo hybrid funds kana asset allocation funds, izvi ndezvemari inoshandiswa mune imwe nyika inoshandiswa muhutano hwemari, masangano, uye mari. Kugoverwa kunowanzosimbiswa uye kunotengesa maererano nechinangwa chekutsvaga mari kana chimiro. Semuenzaniso, Fidelity Balanced Fund (FBALX) inofanirwa kugoverwa mafaji makumi matanhatu nemakumi mashanu ematoro, 30% zvisungo, uye 5% mari. Izvi zvinonzi sechiitiko chepakati pepamusoro kana chikamu chepamusoro .
- Target Date Mutual Funds : Sezvo zita racho rinoratidza, 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!
Nzira yekuongorora imwe mutero
Iwe unogona kuwana zvose zvaunoda kuziva pane imwe yepamusoro mutual fund yekutsvakurudza nzvimbo .
Asi usati watanga kutsvaga, iwe unoda kuziva kuti chii chauri kutsvaga uye kuti ungaongorora sei mutual fund . Izvi zvinosanganisira zvakawanda kupfuura kungoita basa rapfuura. Sezvaunoziva, iwe unoda kutsvaga mari-yekutakura nemari yakaderera mari, iyo inogona kuwedzera matambudziko ehupenyu hunouya huchauya. Zvinhu izvi zvakakosha zvikuru kune mari yekuenzanisira, iyo inonziwo mari inotarisirwa-yepamusoro nokuti mari yevashandi haisi kuedza "kurova pamusika" asi pane kuenzanisa nhamba (passively).
Kunewo mari inogadziriswa -inogadziriswa , apo maneja wezvikwama ari kuedza kushingaira kuti awane kudzoka kwakanakisisa kwehuwandu hwemungozi. Iyi mari inowanzova nemari yakadhura yakawanda nokuti yongororo yakawedzera inoda kuwedzera mari yekugadzirisa mari yacho. Nemari yakachengetedzwa, iwe unoda kutarisa mumiririri wehutori kuti uve nechokwadi chokuti maneja wekugadzirisa ave ave mubhizimisi kwemakore matatu (uye achitarisira makore mashanu kana kupfuura). Ichi chivimbiso chokuti kushanda kwemari iyi kunokonzerwa nemutungamiriri iyeyo uye kwete mumwe munhu uyo achangopera pamba kana kuti akasiya kambani yekubhadhara mari kuti atarisire mari yakasiyana.
Nzira yekuvaka purojekti yemari yemari
Usati watenga yako yekutanga mutual fund, iwe wakachenjera kunzwisisa kuti ungavaka sei chikwereti chemari pamwe chete . Izvi zvinodzokera kunzvimbo yekutanga yekuziva zvirongwa zvako zvekugara kwenguva refu yekutsvaga mari nekugadzirisa mari yako yekushandisa pane chirongwa ichi. Iwe unogona kutarisa izvi sekutora nekudzokorora chirongwa chemuzinda usati wavaka nheyo dzayo.
Pamusoro pezvose chengetedza zvinhu zviri nyore uye iva nechokwadi chokuti usapfuura-funga kana kupfuura-chengetedza mutengo wemari. Dzimwe nguva kungotangisa ndiyo pfungwa yakanakisisa. Zvinhu izvi zvinogona kushanda ivo pakarepo. Kumirira kwenguva yakareba kuti uwane mari inotanga kuderedza zvinangwa zvako zvekutsvaga.