Kusarudza Kubhadhara Unogona Kutora kubva Kumari Yako
Munguva pfupi yapfuura, pakange paine hurukuro yekukurukurirana munyaya yekuchengetedza mararamiro pamusoro pekuti kana 4% yekurega basa rekusiya mari inogamuchirwa zvakare, pamwe nekumwe kuongorora kutsva kunoratidza kuti chaiyo, yakanyatsoratidzwa nhamba ndeye 3%. Mune mamwe mazwi, mutengesi ane $ 1 000 000 muhofisi yake yepamusoro iye zvino anonzi foolhardy kana achikotamisa pasi yakachengeteka $ 40,000 pane nzvimbo itsva ye $ 30,000 yemari yakagadziriswa nevatsigiri vemazano.
Ndiani akarurama? Vakanga vakanganisa makore ose iwayo here? Waiva 3% nguva dzose nguva chaiye, nhamba yakanaka here?
Kushanda Kwekubhadhara Kwemari Kubhadharwa Kunotsanangurira Imari Yekubhadhara Uri Kubhadhara, Zvose Zvakananga uye Zvisinganzwisisiki
Icho chinopindura mhinduro yacho ine chokuita nekubhadhara mari yekubhadhara yakadai sekubhadhara mazano, mutual fund yemari , uye zvimwe. Vanhu vanotsigira pasi re3% yekurega basa rekusiya mari inowanzofungidzira kuti izvi zvinodhura zvinosvika 1% yematengo emari. Icho chifungiro chinonzwisisika kana iwe une mari yako mune zvemari yemishonga kana iwe unoshandisa mutariri.
Kune vavarimi vasina ruzivo, kuti 1% mari inogona kuvanunura zvakawanda zvekushungurudzika uye kurasikirwa nokuvapa munhu ane musoro wakatarisa kuti ataure navo kubva padenga apo masoko arasa 30% kana 50% + yehuwandu hwavo munguva pfupi, izvo zvavakaita, uye vacharamba vachiita.
Asi, kune avo vakanyanyisa uye vanobata ivo pachavo, kuisa mari kune zvigadzirwa kana zvibvumirano zvakananga, zvinogadzira mufananidzo unotsausa.
Tora mapepa angu eimba yangu. Mari yangu yekubhadhara mari semuwandu wezvinhu zvakasara haisipo; yakadzika kwazvo kudarika kunyange dombo rakaderera-pasi reVanguard index index . Izvo zvishoma kudarika chikamu chiduku chechikamu chiduku che1%. Nokuti ini ndinowanzokwanisa kuunganidza mari, kumirira mari yandinoda, kutenga bhokisi guru rehudziri, ezvo rinoridzika kwemakore, kunyange makumi emakore. Pasinei nokuti ndiri mumakore angu makumi matatu zvino, ini ndichiri kugara pane zvikamu zve gasket vhizimisi uye makambani ekubhengi ebhengi wandakatenga pandakanga ndiri wechidiki kana kuti mudzidzi wekoroji. Kunze kwekutanga kwekutumirwa, pane zvinenge zvisingabhadharwi sezvo ndichisarudza matanda angu sekuchengetwa kwemazuva mazhinji panzvimbo pekufungidzira kwenguva pfupi. Nokudaro, hapana mitero sezvo ini ndichibvumira simba rekutererwa kwemitero yakakosha kuti kuwedzere mari yangu yekudzorera . Simba rangu rehuwandu rakakura zvakakwana handifaniri kubhadhara mari yakawanda yevamwe vatengi vanoita, vachipa hupfumi hwekuwedzera.
Vazhinji venyu mune imwe nzvimbo. Kufanana naJack MacDonald, Anne Scheiber , Grace Groner , kana murimi wekurima ndakambokuudza , iwe unorarama uchitenga uye unotenga zvikamu zveudiwa wako webhuruti chip stocks , uchiunganidza pfuma munguva. Zvimwe pane zvishomanana zvemari yekuchengetedza, iwe ungasave uri kubhadhara chero chinhu zvachose.
Ndinonyatsoziva kuti vanhu vashoma venyu vanofarira kushandisa michina yekutsvaga mari uye DRIPs kuitira kuti iwe urege kuva nezvipi! (Kunyange ini ndakashandisa zvakanaka izvi mumhuri mangu, ndichivashandisa sechidzidzisiro chevamiririri vaduku.Vaya venyu vasati vambonzwa nezvavo vanofanira kutora maminetsi mashomanana kuti vaone kuti nei ndinoda chikamu chikuru chekugadzirisa zvirongwa .) Kuva mumamiriro ezvinhu aya, nemari shoma kana kuti isina mari inoenda kuWall Street kana middlemen, kuenzaniswa kwemahombeksi makuru kunogona kutsigira huwandu hwekuregererwa kwepamusoro apo uchidzivisa kuvhara dambudziko pasi pemamiriro akawanda. Ndizvo zvaunofunga kuti uchengetedze mari iri kutumirwa kune vashandi.
Vamwe venyu vari kubhadhara 2% kana kupfuura uye njodzi inoshandiswa kunze kwemari rimwe zuva, kana zvisingaiti, iri kuvharwa musimba rako rekutenga sezvo kutengesa kwezvinhu uye mitero inotanga kukanganisa kukosha kwedhora rimwe nerimwe rakagadzirwa.
Kurasikirwa Kwakachengeteka Kubhadhara Mitero Inopesvedzwa Nerudzi rweAsset Mix Iwe Wako
Chimwe chikonzero ndeche rudzi rwezvinhu zvinosanganiswa newe. Funga nezvomurimairi anoswedera kumubhedha wekusunungurwa nemari yemari yake mune mari inokonzera dzimba. Mari iyo inowanzosimudzwa nekufamba kwenguva, ichifunga kuti imba yacho iri mukushanda zvakanaka uye nzvimbo yakanaka. Kunyange kana yakawanda yemari inotora ichipedza, nzvimbo yacho pachayo inopa mararamiro ezvakanaka zvepasipurasi sezvinenge ichikoshesa kukosha uye mari inogona kuwedzera pasina yakawanda yekudzorerazve. Zvikwereti zvinopesana. Nechibvumirano, iwe hausi kuzowedzera kuwedzera kwechikwereti chawanikwa iwe unobhadharwa, uyewo chisungo chacho pachacho hachizonzwisisi zvakawanda zvisiri pamamiriro ezvinhu chaiwo. Makumi makumi maviri pasi payo, muteresi anorema zvakanyanya kumabatanidzwa angangodaro ane simba shoma rekutenga kupfuura mutengesi wezvivako achifunga zvakaenzana mari dzinoshandiswa uye kuregererwa kwemari.
Mutongo wokupedzisira? Izvo zvinoenderana. Kune vamwe venyu, 3% ndiyo yakachengetedzwa yakachengetedzwa. Kune vamwe, 4% ndiyo chimiro chakanaka.