Tsanangudzo uye Gwaro Rekuchengetedza Chikamu che Mutual Fund Investing
Kufanana nemamwe emhando dzakanakisisa dzekuisa mari uye mafilosofi, nheyo uye sataneti iri nyore uye inoshanda, kunyanya kwenguva yakareba, kutenga-uye-kubata kuisa.
Tsanangudzo yeCore uye Satellite Portfolio
Core uye Satellite ndeyekuti inowanikwa uye inowanikwa nguva yakawanda yekushambadzira chikwangwani chekutsvaga chikwata chinosanganisira "chinangwa," chakadai sehombe-huru yemugovera mutual fund, iyo inomiririra chikamu chikuru cheporofiti, nemamwe marudzi emari-" "mari-chimwe nechimwe chine zvikamu zviduku zvepapotipoti yekuumba zvose.
Chinangwa chikuru chekugadzirwa kwepodfolio iyi ndechokuderedza njodzi kuburikidza nekusiyana-siyana (kuisa mazai ako mumabhasiki akasiyana) paunenge uchitarisa (kuwana kuwana zvakakwirira kudarika) chiyero chepamusoro chekushanda, seS & P 500 Index . Mukupfupisa, imwe nzvimbo yeCore uye Satellite inenge iine tariro yekuzadza pamusoro-yehuwandu hwekudzoka pamwe nehuwandu huwandu hwehuwandu hwemari.
Tanga NeCore
Iyo yakanakisisa inobata chikwereti chakasiyana-siyana chakakura-cap stock fund, yakadai seSouth P cost index index . Nheyo yacho inomiririra chikamu chikuru chepodfolio yako. Nhamba yakanaka yepodfolio yemuenzaniso, somuenzaniso, ndeye 30-40%.
Chikonzero chikonzero chikuru-cap index mari inoshandiswa zvakanaka nekodzero yekuchengetedza ndeyekuti ruzivo pamusoro pemakambani makuru, akadai saWal-mart, GE, Exxon neMicrosoft, anowanikwa nyore nyore kuvanhu kuti zvakaoma zvikuru kune vashandi kuti varambe vachishanda mumusika, kunyanya kwenguva yakareba kwenguva.
Mune mamwe mazwi, kana kunyange iyo inowanzova nenguva yakaoma kurova S & P 500 , nei uchifanira kuita chero zviri nani? Iwe unogona kudzidza zvakawanda pamusoro peiyi pfungwa uye kufunga kwekushandisa mari yekuenzanisira nekuverenga pamusoro peKushanda Kwemakona Hypothesis (EMH) .
Wedzera maSatellites
Mushure mokunge vatenga denga guru-guru, marudzi akasiyana-siyana-"satellites" -kuenzanisa zvikwata zvakasiyana-siyana zvinopedzisa kugadziriswa kweCore uye Satellite mutual fund chikwereti.
Aya mamwe mari anogona kuisa pakati pe-cap stock, shoma-cap stock, kunze kwenyika, kusagadzikana mari (bond), mari yezvikamu nemari yemari yemari. Aya ma satellites ndiyo mari inobatsira mutyairi, kana akabudirira mune urongwa uhwu, kuwana hupfumi hwepamusoro kupfuura hutachiona, seS & P 500 .
Pachine zvishoma, uye zvichida zvinonyanya kukosha, chirongwa cheCore uye Satellite chinyorwa chekugadzira chingaita kuti vatsigiri vese vatsigire zvakasiyana-siyana pakati pemhando dzakasiyana-siyana (masitokisi, mabhandi uye mari) uye zvakasiyana-siyana mutual fund categories. Izvi zvakagadziriswa nehuwandu hwekutsvaga kwekutsvaga mari zvinogona kubatsirawo mubhadhari kuti awane kudzoka kwakakodzera kwekukanganisa kwakanaka.
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.