Kutanga kuEquity Funds kune Mutual Fund Investors
"Chii chinonzi kubhadhara mari ?" inowanzova mubvunzo unowanzobvunzwa nevashambadzi vakawanda vatsva. Kunyangwe mhinduro yacho ingave yakajeka, inongova kutanga kwerwendo rwako kuenda kune hupfumi hwezvemari nokuti kana waziva kuti mari yakaenzana ndeyei , iwe unofanirwa kuronga kuburikidza nepamusoro pezvuru gumi zvevatengesi zvinotengeswa pamasangano kuti uwane zvakanakisisa zvemhuri yako portfolio. Tarisiro yangu ndeyokukufamba nemamwe emitemo kuitira kuti iwe uwane ruzivo pamusoro pezvauri kuona paunotarisa mutual fund prospectus kana urikutaura nebhareji rekubhadhara mari .
Tsanangudzo: Chii Chinonzi Equity Fund?
Imwe mari yehutano ndeye rudzi rwekutengeserana kwemari kana yega yekusimwa mari, yakadai sehedge fund , iyo inotenga umiridzi mumabhizimisi (naizvozvo iro izwi rokuti "kuenzana") kakawanda nenzira yekutengeserana pamatengesi evanhu vose . Dzimwe nguva, umiridzi iyo inonzi iyo inonzi yakabatanidzwa pachedu, iyo apo mari yehutano inoshandiswa mumakambani akachengetwa ari oga asina kutengeswa pamusika wekutengesa.
Zvose zvinowanikwa nehutano wehurumende ndezvechido chekuchengetedza mari kuti uwane mikana yakaisvonaka yekutsvaga mumabhizimisi achakura, achikanda kuwedzera kwekuwedzera kwebatsiro kune veneti, kunze kwechikwama chezvisungo kana chikwereti chemari inoshandiswa, iyo inoshandisa shareholder mari yekuita zvikwereti kumakambani kana hurumende, kuunganidza mari inowanikwa .
Ndeapi Marudzi Akasiyana Equity Fund?
Kuti tifambe nhanho imwe mberi kupfuura kupindura "Chii chinonzi kubhadhara mari?", Tinofanira kutarisa mhando dzakasiyana dzemari yekuenzanisa ikozvino inowanikwa kuvarimi.
Nokuda kwekujekesa, ngatitorei mari yakaenzana pasi muzvikamu zvishoma zvezvikamu zvamunowanzosangana nazvo mukufamba kwenyu kwekutsvaga.
Equity Funds Inotsanangurwa neGeographic Mandate
- International Equity Funds ndeaya inowanikwa mumatanda kunze kweUnited States.
- Global Equity Funds ndeye iyo inotengeswa mumatanda munyika yose kusanganisira iyo iri muUnited States asi inowanzofarira zvido zvekunze nevanenge makumi masere kubva muzana zvezana ravo rose rinorema.
- Pasi Pose Equity Fund ndeyeya inotengeswa mumatokari pasi pose pasina ruyamuro pakati pemhuri kana yepasi rose, inotevera chero iyo mameneja emapurisa kana nzira inorayira.
- Domestic Equity Funds ndeyekuti inotengeswa mumatanda chete munyika yekusimba uye mutori. Kune vakawanda vaverengi, ichi chichava United States.
Equity Funds Inonyanya kuiswa paMaketeni Capitalization
- Mega Cap Equity Funds ndeye inowedzera muzvikwata zvemakambani makuru munyika; bhehemoths dzinokosha mazana emabhiriyoni emadhora seWalmart kana Berkshire Hathaway.
- Huru Cap Equity Funds ndeaya inowedzera mune makambani ane mahomwe makuru emakethe .
- Mid Cap Equity Funds ndeaya inowedzera mumakambani ane midzi yemari yemari.
- Small Cap Equity Funds ndeye inowedzera mune makambani ane kambani yemari yemari .
- Micro Cap Equity Funds ndeaya inowedzera mari shoma pamabhizimisi anotengeswa nehurumende ane mamiriyoni mashomanana, kana mashoma makumi emamiriyoni emadhora, mumisika yemari.
Equity Funds inotsanangurwa pakugadzira mari
- Private Equity Funds ndeyekuti inodyara mumakambani akachengetwa ari oga asingatengesi pamusika wekutengesa. Vanogona kugadzirisa kambani ine chikwereti chakakosha , kupa mamiriyoni, kana mabhiriyoni, emadhora mairi, kuunza mari nokubudisa zvibvumirano , uye zvino kuwana mabhizimisi ekutungamirira anotenda kuti inogona kuvandudza.
- Equity Income Funds ndeye inowedzera muhumwe hwebhizimisi dzinobhadhara chikamu chikuru, chinowanzoenzaniswa nenhoroondo yegoveri inowedzera, zvachose uye chikamu chekugoverwa kwekugoverwa , uye kugadziriswa kwehuwandu hwekugoverana maitiro.
- Chikamu Chokukura Chikwata Ndeye iyo inotengeswa muhudzi hwemabhizimisi ane rekodhi yezvikamu zvinowedzera kune imwe neimwe nekukurumidza zvakanyanya kudarika yekutengeswa kwemari yose. Kune nzira dzakawanda dzekuita mari pamwe nekukura kwesarudzo , dzimwe nguva vanorova avo vanopfuura-vanozvipira , uye, mumatambudziko mazhinji, vanogona kuita zvinoshamisa kutenga-uye-kubata zvikwereti .
- Index Equity Funds ndeavo vanofananidza rondedzero yakadai seDow Jones Industrial Average kana S & P 500. Kunyange zvazvo isiri nguva dzose, kuenzanirana mari yehutano kunowanzove nemamwe emadhora ekutengesa mari .
- Makirasi kana Makambani akadaro Equity Funds ndeaya anonyatsoona nzvimbo dzoupfumi, dzakadai semabhizimisi kana mapoka ; semuenzaniso, kutengesa mabhizimisi kana zvivako uye kuurayiwa kwemajeri emishonga. Izvi zvinogona kufadza kune avo vanoda kuisa mari yavo mumamwe marudzi emabhizimisi, izvo zvingave zvisina kuipa pfungwa dzakapiwa kuti mamwe maindasitiri akawandisa zvakanyanya kubhadhara vadzidzisi .
Mukuwedzera, mari yakaenzana inogona kutengwa semari yemari pamwe chete uye semari inotengeserana mari, kana kuti ETFs. Vamwe vatengesi vanowanzofarira rumwe rutivi pamusoro peumwe asi kune zvakakosha uye zvisingabatsiri kune zvose zvinotsigirwa nezvokuti mutual fund inogadziriswa sei uye zvinangwa zvevatengesi, zvinangwa, zvido, uye mamiriro ezvinhu.
Nzira dzakasiyana-siyana dzaunogona kuisa muEquity Funds
Kana iwe uchisarudza kuti kuisa mari mune rimwe rekubhadhara mari ndiyo nzira yaunoda kutora pane yako yemapatoliyo, une zvimwe zvingasarudzwa zvingave zvine musoro. Unogona:
- Itai mari nekuzarura kambani zvakananga nemhuri yekubatana mari yakadai seVanguard kana Fidelity.
- Itai mari kuburikidza nokutenga chikamu chekuenzanisa mutual fund kuburikidza nekambani yekudhinda .
- Ita mari nokutenga chikamu chekuenzanisa mutual fund kuburikidza nemaka 401 (k) kana 403 (b) chirongwa chebasa (chinyorwa chokuti pane kazhinji zvakasiyana mutual fund share classes kukomborera vatengesi vanoisa mari yakawanda kushanda neboka rekutengeserana kwemari).
- Vhura Roth IRA kana Mutambo IRA mune imwe kambani yekutengeserana uye uishandise kutenga zvigaro zvehutano mutual fund.
Kungofanana nehutano hwemari pamwe chete, kutengeserana kwepagari mari yakaenzana inotarisirwa kugovera zvikamu zvose zveparadheji uye kuwanikwa mari inowanikwa (kana iripo) kune vagoveri gore negore. Somugumisiro, iwe unofanirwa kutarisa kudzoka kwako kwose , kwete chete mutengo wemugove, unogona kunyengedza zvichienderana nehuwandu hwekuparadzirwa kunoitwa chero nguva ipi zvayo. Zvikwereti zvizhinji zvekutengeserana uye zvese zvemakambani ehurumende yekutengeserana zvichakubvumira kuti udzorere zvigadziriswe chero zvipi zvese, zvakakwana kana chikamu, muzvikamu zvakawanda zvehomwe kuitira kuti iwe uwedzere huwandu hwako hwose pane nguva.
Izvo zvishoma kudyara kwekutsvaga mari inotanga kuwana mari iyi yakasiyana, asi mumatambudziko mazhinji (kunyanya kubhadhara mabhesi), vanogona kunge vakaderera se $ 250 nevanowanzobuda pamwedzi pamwedzi kubva kubasa renyu rekuchengetedza kana kutarisa nhamba ye $ 50 kana kupfuura kuti ikubatsire kuvaka imba yako portfolio over time. Kana ikatengwa neAll vanilla brokerage account , zvishoma zvingava $ 1 000, $ 2,500, $ 5,000, $ 10,000 kana $ 25,000. Institutional equity funds inogona kuva nemari shoma shoma ye $ 1 000 000 kana kunyange $ 10,000,000.