Tsanangudzo uye Nheyo dzekutsvaga mari muDhipatimendi Mutual Funds
Chikamu Mutual Funds Tsanangudzo uye Mazano
Kugadzirisa mutengo wemari ndeyezvibatanidza mari yemari inonyanya kushandiswa mumakambani anobhadhara chikamu, iyo inobhadhara iyo makambani anogoverana nevatengi vemari.
Zvikamu zvinogona kugamuchirwa senzvimbo yekuwana mari kana kuti inogona kushandiswa kutenga mamwe mashomanana ehurumende yehurumende. Vazhinji vatengesi vanotenga chikamu chekubatana mari vanowanzotsvaka mutsva wekuwana mari, izvo zvinoreva kuti mubhadhari angada mari yakakwana uye yakavimbika kubva kune mutero wekugadzirisa mari .
Muzviitiko zvakawanda, nekuda kwezvakagadziridza zvekuwana-mari, chikamu chemari pamwe chete mari inonyatsokodzera kune vashandi vekurasikirwa. Kugoverana kwemari pamwe chete kunowanzove kusingadzvinyiriri (zvishoma kune ngozi) kupfuura mamwe marudzi emari, zvakadai sekuwedzera mari yemari pamwe chete.
Vamwe varimi vanofarirawo kushandisa mari inobhadharwa inobhadhara zvikamu munzvimbo dzezvemari apo kusungirirana kwemari kusingatengi. Semuenzaniso, apo chido chekuderera chiri pasi asi mamiriro ehupfumi anowanzova akanaka, mari yezvisungo inogona kuva nezvibereko zvishoma kudarika kugoverana mutual funds.
Kukanganisika uye mazano ekushandisa Kushandira Mari
Zvose zvataurwa pamusoro apa zvinogona kufungidzirwa kuti zvibatsiro, zvigaro kana zvinowanikwa zvekugoverana kwemari pamwe chete asi mari inokonzerwa nemari yemari iyi inogona kunge isina kukanganisa.
Vashandi vanofanirwa kunge vakangwarira kushandisa sarudzo yekutengeserana kwemari nokuti zvikamu zvinotambirwa semari inowanikwa mari. Nokuda kwechikonzero ichi, vamwe varimi vanogona kutenga kutenga mutengo wemari mutual in an Individual Retirement Account (IRA) kana 401 (k), uko mari inowedzera inowedzera mitero-inoderedzwa kusvikira nguva inotanga. Saka mutual fund vatengesi vanofanira kunge vachiziva nezvekubhadhara mari yekutengeserana vasati vatya.
Somuenzaniso, kana iwe uchitenga uye uine mari inoshandiswa mubhadharo yekodha rekweretheni, zvikwereti zvinowanikwa semari inowanikwa nguva dzose. Uye kana iwe uchida kuchengeta mitero kune zvishoma, iwe ungasada mutero wakawedzerwa unobva kune zvikamu.
Nzira iri nyore yekuisa mari muzvikwereti-kubhadhara zvikwereti nemari pamwe chete ndeye kushandisa Index Funds kana Exchange Traded Funds (ETFs) . Izvo zvikwereti zvinowanzobatwa mahombekiti makuru anobhadhara zvikamu. Mune mamiriro ekunyorwa kwemari, vanowanzotakura matanda mukati mehurukuro, yakadai seS & P 500, iyo inobhadhara chikamu chikuru. Zvimwe zvikamu zvekugoverana zvinotenga uye zvinotakura mashizha emakambani ane nheyo dzezvinyorwa zvekuwedzera zvikamu zvavo. Nenzira iyi, mubhadharo ane mukana wekuwana zvikwereti asiwo kuwedzerwa ivo munguva.
Paunotsvakurudza mari inoparadzanisa, unogona kuwana pfungwa yakanaka yebhadharo dzepasarudzo dzekare uye dzeramangwana kuburikidza nekuongorora muchero wehupfumi. Zuva re30 CE Kubhadhara kwehurumende yekutengeserana kunoreva kuverenga kunobva pamazuva makumi matatu ekupera kwezuva rekupedzisira remwedzi wapfuura. Chibereko chiripo chinoratidza zvikamu uye chikwereti chakawanikwa munguva iyo, mushure mekuderedzwa kwemari mari.
Imwe mari yekutengeserana inotarisa mwedzi miviri yekukohwa, kana TTM , inoreva kuwandisa kwemari inoshandiswa mari iyo yakadzorerwa kuvarimi mumakore gumi apfuura.
Nokudaro Imazuva makumi maviri ekugovera inokupa pfungwa yezvibereko zvezvino uye zvaunogona kutarisira munguva yemberi iri mberi. Chibereko cheTTM chinokupa mubhadharo wepakati kubva kune yakapfuura, iyo inogona kana kuti isingadzokeri kwemwedzi 12 inotevera.