Zvakanakira Kuzvipira Mumhuri yeMutual Funds
Yakaitwa zvakanaka, kuisa mari kune imwe mhuri yehurumende inogona kugovera zvidzidzo zvekirasi yepamusoro uye inogona kuderedza mari yako yekutsvaga mari.
The Definition of a Mutual Fund Family
Imwe mhuri inobatanidza mari ndeyeboka rezvekubhadhara mari iyo inowirirana mutual fund sponsor. Kuti ikubatsire kuti unzwisise pfungwa, fungidzira kuti kambani yangu yekugadzirisa mararamiro yakagadzira imwe sangano rekuchengetedza mari uye iyo yakaita kuti vatsigiri vese vatsigire mari itsva itsva:
- The Joshua Kennon Stock Fund
- Joshua Kennon Bond Fund
- Joshua Kennon Real Estate Fund
Chimwe chezvinhu izvi zvezvemari zvakasiyana uye ine purofisi dzaro dzekutsvaga. Panyaya dzemhuri dzakawanda, chikwereti chimwe nechimwe chinotungamirirwa nevatariri vemapatotikiti akasiyana. Asi vose vatatu vaizova chikamu che "Joshua Kennon" mutual fund mhuri.
Zvakanakira Kuzvipira MuMutual Fund Mhuri
Pane zvakawanda zvinobatsira kune avo vanoda kuchengetedza mari yavo mune mari imwechete yemhuri fund.
Izvi ndezvi:
- Imashoko akabatanidzwa kubva kune mutual fund mhuri pachayo inotaura nezvekutsvaga kwako mune imwe neimwe yemari. Izvi zvinoreva mapepa mashomanana uye kukanganisa kwakanyanya kwezvinhu zvaunazvo.
- Makambani akawanda emari ekubhadhara mari anopa webhusaiti iyo iwe unogona kutora mari pakati pemari yega yega inoumba mhuri yemhuri. Kudzokera kumuenzaniso wedu, kana iwe uine $ 100,000 inotengeswa muJoshua Kennon Stock Fund, unogona kukwanisa kutengesa zvikamu zvayo kuti utenge imwe yezvisungo zvekuchengetedza uye yeimba yemugove mari pasina. Zvakakosha kuti uverenge prospectus kuti uone kuti inter-mhuri fund inoshandisa basa pachiitiko-ne-case based.
- Dzimwe mari dzichabvumira vatori vemabhiza kuti vashandise mune dzimwe mari pamwe chete mukati memhuri yehurumende yehurumende pamatunhu mashoma. Izvi zvinoreva kuti iwe unokwanisa kuwana mari yaunenge usingakwanisi kuwana nayo mukuchinjana kwebhizimisi iwe uri kupa mhuri yemari.
- Mari dzakawanda dzemari dzichakubvumira kuti uwane mari yakangoerekana yarega kubhadharwa kubva kune chekuongorora kana kuchengetedza mabhuku uye kupatsanurana pakati pemari yakasiyana-siyana mukati memhuri yekutengesa mari pasina mari yekuwedzera.
- Muzviitiko zvisingawanzoiti, iwe unogona kukwanisa kuisa mu "chivheneko" mutual fund isingagamuchiri vashandi vatsva nekuda kwekutsvaga kwekutsvaga mune imwe mhuri yemhuri.
Zvikonzero Zvikwereti Makambani Ita Mutual Fund Families
Zvinogona kuonekwa sechinhu chisina kukodzera kuumba mari zhinji pamwe chete asi pfungwa yemhuri yekubatanidza mari inonyatsonaka. Semuenzaniso, kana zvose zvandakaita zuva rose ndaigara muimba uye ndinokoshesa makambani, kushandiswa kwemari zhinji pamwe chete hakungatori zvakanyanya kudarika kushanda imwechete mutual fund nokuti kutenga kwangu uye kutengesa zvisarudzo zvingave zvakagadzirwa nemhando yezviyo kana zvimwe kuchengeteka ndiri kuongorora. Mufananidzo unogona kubatsira.
Fungidzira kuti ini ndinoshandisa mari yakasiyana-siyana yakabatana yemhuri huru yemhuri. Izvi ndezvi:
- Vice Fund (doro, fodya, kubhejera, uye zvombo zvekudzivirira)
- Blue Chip Dividend Fund (makambani ane zvikwereti zvakakwirira uye mabhizimisi akasimba)
- International Value Fund (makambani asina kutarisirwa uye ari kunze kweUnited States)
- High-Quality Intermediate Corporate Bond Fund (zvibvumirano zvekambani dzakarongwa zvikuru)
Kana ndiri kuverenga mushumo wekambani yakafanana neDiageo uye yakanga isingatarisirwi panguva iyoyo, ndinogona kuisa mukutenga mari yekutenga mari yekutanga - iyo vice fund, blue chip dividend fund, uye international value fund . Kana ndiri kuverenga mushumo wekambani yakafanana neBerkshire Hathaway, inenge isina kukodzera chero ipi zvayo yemari nokuti haisi mvumo yekushandisa, haina kubhadhara chikamu, uye haisi kutarisirwa pasi rose.
Kubudirira kweizvi ndechokuti inobvumira mugove wega wega kuti azvisarudzire pachake rudzi rwezvinhu zvakakosha zvakanyanya pamushumo wake.
Makambani makuru makuru ehurumende yakadai seVanguard uye Fidelity ane mari yakawanda mumhuri yekutengeserana mari inobatanidza inenge imwe neimwe yezvigadziriswe zvidzidzo, kugoverwa kwemari, uye hurongwa hwekutsvaga iwe unogona kufungidzira.
Mamwe Mashoko Pamusoro Pekushandisa Kwatingaita Mutual Funds
Kuti udzidze zvakawanda pamusoro pekutsvaga mari mune mutual funds, verenga The Complete Beginner's Guide for Investing in Mutual Funds .
Iko Balance haisi kupa mutero, utsvaga, kana mari yemari uye mazano. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kubvumira kusangana nematambudziko kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru.