Nzira yekuona uye kudzivisa mari inowanikwa
Mari inoputika inowanikwa apo muzvinabhizimisi ane mari maviri kana kupfuura mari yakafanana iyo ine zvinangwa zvakafanana uye naizvozvo inobata zvizhinji zvezvivimbiso zvakafanana. Nokuda kwemuenzaniso wakajeka, kana muine wekushandisa mari mbiri yemari pamwe chete uye ivo vari vaviri vanoisa mari mumatokisi akawanda, kufanana kunobatsira kugadzirisa zvakakosha zvekusiyana-siyana kuburikidza nekuwedzerwa kune zvikwereti zvakafanana - kuwedzera kusingadi kutengeswa kwemisika .
Chimbofungidzira mufananidzo weVenn ane mativi maviri, imwe neimwe inomiririra mutero wekubatana, uchibatana mukati. Somurimaiti, iwe haunoda zvakawanda zvepakati-kati pakati pemakwikwi - unoda zvishoma zvishoma zvaunogona kuita.
Nzira Yokuona Nayo uye Kudzivisa Mari Inosangana
Nzira yakareruka yekuona uye kudzivisa mari inowanikwa ndeyekutarisa zvikwata zvemari kuti uve nechokwadi chekuti mari yako yega yega haina kugovana zvinangwa zvakafanana. Semuenzaniso, edza kuti usapinda kune rimwechete-guru-cap stock kana index fund, imwe yekunze mari yemari, imwe imwe-cap stock fund, one bond fund, nezvimwe zvakadaro.
Kana iwe uchida kuva nemari yakawanda, kana iwe une 401 (k) urongwa huine zvisarudzo zvishoma, unogona kuona mari inowanikwa nekutsvaga pane imwe yenzvimbo dzakanyanya kutsvakurudza nzvimbo yekuongorora mari pamwe chete uye kutarisa nhamba yezviyero zvinonzi R-squared ( R2) .
R-squared ichakuudza imwe yekutsvaga kwekutsinhanisa ne (kufanana kune) chidimbu chinoratidzwa.
I-R-squared yezana inoratidza kuti kufamba kwose kwehomwe kunogona kurondedzerwa nekufamba mumutsara. Saka, kana iwe uine S & P 500 Index fund , iva nechokwadi chokuti mamwe mari muhomwe yako yepamusoro hauna R-squared iri pedyo zvikuru ne100. Izvi zvinoratidza kuti huwandu huripo hunoita kuti mari yose iite zvakafanana.
Yeuka, kuti zvakasiyana-siyana - kuderedza misika yemisika - iwe unoda mamwe mari ku "zig" apo vamwe "zag."
Muenzaniso weKushandiswa Kushandisa R-squared paMambakwedza
Vanhu vazhinji vane 401 (k) zvirongwa kana IRAs kuVanguard. Chimwe chekuita mari yekutsvaga mari ndeyeVanguard S & P 500 Index (VFINX). Zvakadini kana imwe sarudzo muurongwa hwaive Vanguard Growth Equity (VGEQX)? Ungada kuziva here kana paivepo? Ngationei. Iwe unogona kuenda kuMatestar.com uye pinda kutsvaga VGEQX. Pane imwe peji peji reji iyo, tsvaga kubatanidza ku "Kuyera uye Njodzi" uye tora pairi. Pane imwe peji iyoyo, pfugama pasi uye iwe uchaona kuti R-squared is 97.
Nhamba iyi inoratidza kuti VGEQX ine mazana 97% ekugadziriswa kwemitengo kuS & P 500. Nemamwe mazwi, ine mari yakawanda inowanikwa kuti ipe huwandu hwakasiyana. Tarisa imwe sarudzo yakasiyana-siyana (usashandise zvose S & P 500 Fund uye VGEQX)!
Imwe nzira yekuziva kuti mari iyo inogona kuwanika iripo ndeyekuti uve nechokwadi chekuti hauna chikwereti chimwe chete chinotungamirirwa nemumwe mutariri wemari. Hazvina mhosva kuti munhu uyu kana kuti boka rake rakanaka sei, mutual fund vatungamiri vane huwandu hwefilosofi uye michina yavasingawanzosiyanisa kubva.
Pakupedzisira nyora, iva nechokwadi chekucherechedza mari inosvika pane imwe nguva, yakadai segore rimwe chete.
Kunyangwe kana mari iri muhofisi yako yaive nehuwandu hwehuwandu hwepamusoro apo iwe wakatanga kutenga, haireve kuti maitiro avo akasiyana haazotaurirane. Iko kunonzi " style drift" uye hazvisi zvisizvo. Semuenzaniso, pakati pe-cap stock fund ingakwanisa kufamba zvishoma nezvishoma kusvika kune boka guru rekugadzirisa chikamu sezvo muchengeti wechikwama chekugadzira zvishoma nezvishoma kutenga mashizha emakambani makuru.
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.