Uchishandisa Equity Yako Iripo kuNhepfenyuro Inoshandiswa Kwemari yePortfolio yako
Chii chaunofanira kuita? Chimirira, uye tariro ye (kana yakaderera) mutengo, uchiisa mungozi yokuti kana ukagara pane imwe nzvimbo iwe ungadai wakashaya mukana wokutenga pamutengo unofadza ?
Kwete hazvo. Mukugadzira mashizha, kune pfungwa inozivikanwa semari inotakura . Ndiyo kubuda kwemari kunodikanwa kunobatsira kutsigira chikwereti kana kusungirwa. Mari inoshandiswa inoita kuti zvive nyore kushandisa simba rako rekutsvaga mari kuti uwane mari yekutenga kwezvikamu izvi usingatauri dambudziko rakawanda. Iko kune zvidimbu zvitatu zvinokosha pakuita kuti pfungwa yemari ishandise basa rako. Ngationgororei mumwe nomumwe.
Kuti Uwane Kubatsira Kwemari Kushamba, Unofanirwa Kuva Neimwe Mari Inotengeswa Kana Zvinhu Zvaunogona Kukwereta
Rega nditaure zvakare, sezvo ndine nguva dzakawanda panzvimbo yepaiti, iyo inowanzo, chikwereti chemajeri chinowedzera ngozi kune varairi vemazana nokuti inogona kukonzera kuchinja kuduku mumatengo emusika kuti vasiye humwe hutano hwavo, vachiita kuti vaputse uye, pane dzimwe nguva, vanomanikidzwa kuti vazivise bankruptcy nokuti havagoni kusangana nechisungo chavo kumusha wekwereti.
Heino muenzaniso unofanirwa: Fungidzira iwe une $ 50,000 muakaunti yako yekutengeserana , iyo yose inowanikwa mu blue chip stocks. Zvimwe zvose zvakaenzana, unogona kukwereta mari yakawanda ye $ 50,000 pakurwisana nezvivimbiso izvi kuitira kuti pakupedzisira iwe uine $ 100,000 ematokari uye chikwereti chemadhora madhora makumi mashanu kubva kwavari chavari kubhadhara pamutengo wekufarira kunotsanangurwa nekambani yako yekutengeserana kana sangano rezvemari.
Iwe haungambodi kuisa simba rako rekutsvaga nokuti pamusana pekugadziriswa, zvikwata zvako zvinogona kuwira 10%. Pa $ 100,000 chikamu, iyo $ 20,000 - kana 20% yehutano hwako hwe $ 50,000 thanks (kana kwete kwete, munyaya ino) kune 2-1 yekushandisa yakashandiswa. Izvozvo zvinoreva kuti kuenzana kwako kunowira ku $ 30,000 apo chikwereti chako chemajeri chakasara $ 50,000. Zvinonyanya kuitika iwe unogona kuwana foni kubva kumubhadharisi wako achikuudza kuti uise mari yakawedzerwa pakarepo kana kuti vakatengesa mashopu muakaunti yako kuti vabhadhara chikwereti chavo zvakawanda sezvinobvira. Muzviitiko zvakawanda, izvi zvinogona kutora mari inowanikwa mubhadharo zvakare, zvichiita kuti mamiriro ezvinhu akaipa awedzere. Izvo zvinotiendesa kune yedu yechipiri pfungwa.
Siya Maringe Akawanda Okuchengetedza Saka Hausi Kuzviisa Pasi Paya Kudana Kunyange kana 1987-Chirongwa Chekuitika Chichiitika Pasina Manyevero
Mutemo mukuru wegunwe, iyo inogona kunge iine hutsinye kune mudivi wemari, ndiwo 2 / 3rds kutonga. Chaizvoizvo, tora chikamu chako chekuenzanisa, munyaya ino $ 50,000, uye ugozviparadzanisa na .67 - mumuenzaniso wedu, chigumisiro chacho ndeche $ 74,626. Iye zvino, tora chikamu ichocho uye bvisa chikamu chako chekuenzanisa ($ 50,000) uye ugume ne $ 24,626. Iyi ndiyo mari yakawanda iwe unogona kukwereta kutora matengo ematengesi inonzwisisika uye iwe hautarisiri chero matambudziko makuru emari.
Imwe magetsi inogamuchirwa ndiyo inonyanya kurongeka 3 / 4ths kutonga kwaunongotora nzvimbo .75 nokuda kwe .67 inoshandiswa mumutsetse. Muchiitiko ichi, iwe unopedzisira uine nyara ye $ 16,700. Iwe iwe chete nemudzidzisi wako wezvemari unogona kuziva kuti ndeipi nzira yakanakisisa yekuita zvichienderana nezvinangwa zvako nemamiriro ezvinhu.
Iko Stock (kana Dzimwe Nzvimbo) Inofanira Kupa Zvikamu Zvikuru zveCash maererano neZviko
Munyaya yezvikwata zvinowanikwa , iwe unoda zvakanaka, zvakachengeteka, mafuta, chikamu chekugovera . Kushandisa muenzaniso wedu weUnited Bank, unogona kutenga $ 24 626 yematengo pamuganhu uchirwisana ne $ 50,000 yekuenzanisa kwako. Iko inobereka zvinenge ma4,5%, kana inenge madhora 1,108 mugore rokutanga. Kana chikwereti chako chemari chikamu chaive che8,5%, gore rako rokutanga mari yekubhadhara ingasvika madhora 2 100. Dai mari yacho isina kubhadhara zvikwereti, iyo mari yose ingadai yakawedzerwa pane chikwereti chako chemajeri ichiiunza ku $ 26,726 mukati memwedzi gumi nembiri yekutenga.
Asi, munzira, zvikwereti izvozvo zvaizoratidza, kuderedza mari yekutakura chikwereti. Muchiitiko ichi, mari yose inenge yakaderedzwa hafu, zvichiita kuti kuwedzera kwechikwereti chemajeri kune $ 25 618 chete pakuenzanisa. Izvi zvinowedzera kumucheto wekuchengeteka uye kana iwe uchikwanisa kuisa mutsauko we $ 992, chikamu chako chemuganhu chicharamba chiri $ 24,626 - mari yezvikamu. Panguva ino, kwemakore mashomanana, kukosha kwezvikamu izvi kunofanirwa (iwe unotarisira) kusimuka uye iwe uchagamuchira mhepo yako panguva ino, uchibvumira kuti ubhadhara chikamu.
Chenjerera! Uyu Hasi Matanho Akafanirwa kune Vashandi vakawanda!
Kunze kwekuti iwe uine mari yakachengeteka, uine kukwanisa kusangana nemamwe mazita ekudzivirira, ane ruzivo rwakakura rwekuchengeteka nenzira yehutano hwekuenzana sepakati yemari yechikwereti chemajeri, uye anonyatsogutsikana zvichibva pane kuongororwa kwepamusoro uye unyanzvi-hunyanzvi hwekambani SEC filings uye mamwe magwaro amakawana chikwata kana kuti zvigaro zvingave zvisingakoshi, uye iwe unotarisira kuti mari inokonzera mari kubhadhara mari yakazara, nzira iyi ingangodaro isina kukodzera iwe. Usazviedza kunze kwekunge iwe ukasangana netsanangudzo iyi uye munhu akakodzera, ane hanya nemarija uyo waunoshanda naye anotenda kuti zvakakodzera kwauri.