Nzira uye sei kushandisa nguva yakatarwa mutual funds
Inotarisirwa zuva rekubhadhara mari mari yakanaka here?
Zvichida kubatsirwa kukuru kwekutsvaga zuva rekubhadhara mari iri nyore.
Nokugadzirisa zvakakodzera mari yekugoverwa kwezuva rakasarudzwa rekurega basa, uye nekuderera zvishoma nezvishoma kuderedza mashizha uye kuwedzerwa zvisungo munguva, zuva rekutora mari yekubhadhara mari, muchirevo, inoshandisa zvinhu zvose zvakagadzirirwa uye kusarudzwa kwekutsvaga iwe. Asi mutsara unokosha mumutsara uyu "unofanirwa."
Izvi ndezvekuti pane chaizvoizvo hakuna "imwe-yakakosha-inokodzera-yose" yehupfigiro. Nezvimwe zvinhu zvakasiyana-siyana zvokufungisisa, zvakadai sokurarama kwehupenyu, kushushikana kwekutengesa, uye kushandiswa kana kushandiswa kwekuchengetwa kwemari kubhadharwa, maneja wezvimwe zvipi zvekutsvaga zuva rekubhadhara mari mari haagoni kuziva kana kugoverwa kwemari uye kusarudzwa kwekutsvaga, ndezvechokwadi, kusanganiswa kwakanaka kune akapiwa mutengesi. Iyo muteja wemari anogona kungoshandisa huwandu uye zvikamu, izvo zvingave kana zvisingakodzeri kune vamwe vanhu.
Zvinonzwisisika kuti varairimu vakawanda havana chido kana nguva yekudzidza kuti vangagadzira sei chikwereti chemari pamwe chete yekurega basa.
Vashandi vakawanda vanovhiringidzika pamusoro pekushandura kwemafa avo ekugoverwa kwemazuva kuitira kuti yakagadzirira kubhadhara basa sezvo zuva rekutarisana rinoswedera pedyo.
Semuenzaniso, uchenjeri hunowanikwa muzana remakore rechi20 hwakanga huri kuti kugoverana kwako ndeyezera rako uye mashizha ndiyo yakasara. Saka, kana uine makore makumi mashanu nemashanu, iwe waizopa 55% kuzvisungo uye 45% kune zvikwata.
Zvisinei, isu tiri muzana remakore rechi21 uye iye zvino kuti zviitiko zvoupenyu zvakasimuka kusvika pakati pemakore makumi manomwe, kusununguka kunodikamwa kuchenjerera kuti urege kunyatsochengetedza, zvakare kare.
Kana zvisingaiti kune chimwe chikonzero, uyo anonyanya kutsvaga wekutsvaga zuva rekubhadhara mari ndeye munhu ane zvakawanda kana kuti yese yekuchengetedza mari yavo mune imwe nhoroondo, yakadai se 401 (k) kana IRA, uye munhu asina chido, ruzivo kana nguva yekudzidza pamusoro pekugadzirisa maitiro uye mazano.
Iyo yakanakisisa inotorwa zuva rekubhadhara mari
Izvo zvinoshandiswa nomunhu ari kushandisa chinangwa chezuva rekubhadharwa mari zvingangove asina hanya mukutsvakurudza mazana emasarudzo anowanikwa kune vashandi nhasi. Saizvozvowo pakusarudza imwe mari yekutengeserana, iyo yakanakisisa zuva rekubhadhara mari ichava iyo ine kusanganiswa kwemajairo ezasi-evhareji ekubhadhara mari , kuenzanisa zvengozi / mubayiro wemaprofaili, zvikwata zvakasiyana-siyana zvakasiyana-siyana uye kuenzanisira kusvika pamusoro-kuwedzerwa kwemakore akawanda ekushanda . Icho chakanakawo kufunga nezvekutsvaga zuva rekubhadhara mari iyo ine makore anopfuura mashanu ekugadzira zvinyorwa.
Nezvo zvakati, Ndinokupa mari yekutengeserana yemhuri inopa chinangwa chakanaka zuva rekubhadhara mari iyo inopfuurira kusarudza zvandinoda:
- Vanguard Investments : Mambo wekudhura mari yakawanda mari ndeyekusarudzwa kwezvakanaka zvekanakisisa zuva rino mutual fund family. Vanguard haasi kungovapa mari yavo yekubhadhara mari kwemakore anopfuura gumi, ivo vanoshandisa mari yavo yekuenzanisira sevari pasi pehupfumi. Saka varairi vashandisi vachishandisa Vanguard target fund vanovimbiswa zvishoma kana "muyero" inodzoka nemapostifoli akasiyana-siyana.
- Kuvimbika Kwekutsvaga Mari : Sezvakafanana neVanguard, Kutendeseka kune chisarudzo chakasimba chekubhadhara mari pamwe chete uye Freedom Freedoms inotsigira tsika. Kutendeseka kwave kuri kupa chinangwa chezuva rekubhadhara mari kwenguva yakareba kupfuura mamwe akawanda makambani ehurumende yehurumende uye maitiro avo akareba kwenguva refu anoratidza unyanzvi hwavo pakuvaka zvikwereti zvisingadhuri, zvakasiyana-siyana.
Kune humwe humwe humwe humwe mutual fund mhuri hunotipa chinangwa chezuva rekubhadhara mari. Anoremekedzwa kutaurwa pano ndiT.Rowe Price Mutual Funds . Havana kugadzira kudonha kwangu nokuti mapuritati avo anowanzova nehuwandu hwematokari mune zvavakagoverwa. Izvi zvinowanzoita kuti hurumende ishande, inogona kuva chinangwa chinonzwisisika mumakore ekutanga ekuchengetedza basa rekuchengetedza mari, asi iyo yakawanda yengozi yepamusoro (uye yakaderera inodzokera pasi pasi pamusika) inogona kunge isingakanganisi kune vamwe vashandi vane ukama hwakanyanya hwekutsungirira .
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.