Iyo nzira imwechete inogona kubatsira kusimbisa mari yako
Ndinoziva-izvo zvingangodaro zvakaita sejaroni. Gara neni.
"Nhaka" inogona kuva chero chinhu kubva kumba kwako kurudyi rwako kuti uwane hupfumi mubhuku rawakanyora. Asi apo vanhu vanotsanangura kugoverwa kwefa, ivo vanowanzoreva nezvemari - mari - iyo yaunayo mumusika wekutengesa.
Iwe unoshandisa mari iyi nenzira nhatu huru: Unotenga makambani. Iwe unopa chikwereti. Kana iwe unozvichengeta nemari.
Kutenga Makampuni
Paunotenga chikamu chematengo, uri kutenga "zviyero." Paunotenga chikamu cheApple stock, unova chikamu-muridzi wekambani. Iwe une "kuenzana" muApple.
Kana iwe usingadi kutenga chikwata zvakananga, unogona kutenga mari inobata LOT yezvikwata zvakasiyana. Mutengo wemari uye mari yekuenzanisira, somuenzaniso, inounganidza dzakawanda zvemarudzi akasiyana ematokari, akabatanidzwa pamwe chete mubhasiki rimwe rakanaka.
Kupa zvikwereti
Paunotenga chibvumirano, iwe uri kupa chikwereti kune boka ripi neripi "rakabudiswa" (rakabvunzwa) iyo chisungo. Kana iwe ukatenga bhizimisi rehurumende , somuenzaniso, uri kupa iyo kambani chikwereti. Ikambani inofanira kukubhadhara iwe kufarira kune chikwereti ichocho. Iine "chirongwa chokubhadhara" pane imwe nguva yakatarwa. Semuenzaniso, inogona kukubhadhara kufarira kamwechete pamwedzi, kana kamwe kamwe mwedzi mitatu.
Ndicho chikonzero ichi chinonzi "kusagadzirisa mari" yekutsvaga: iwe unowana mari pane imwe nguva yakatarwa.
Ichengete iyo muCash
Unogonawo kuchengetedza mari yako nguva dzose, iyo iri nyore kunzwisisa. Kana iwe unogona kuisa muSitifiketi cheDhipatimendi , iyo iri muenzaniso wemari yakaenzana.
Saka Chii Chinonzi Asset Allocation?
Nhaka yekugoverwa inoreva kuti iwe unopararira mari yako pakati pekubatana kwezvikwereti, mari yakagadzirirwa uye mari yakaenzana.
Izvo hazvisi izvo zvinonzwisisika zvino here?
Nhaka yekugovera ndiyo chinhu chinokosha kune imwe nzira yekutsvaga mari. Dhipatimendi yako inofanira kuva yakasiyana-siyana, uye kuti mari yako inopiwa sei chikamu chekuti iwe wakasiyana sei. Nhaka yako yekugovera inogona kuchinja sezvaunenge uine makore ekugadzirisa kuchinja kwechido chekuda.
Muenzaniso weAAA Yakagoverwa:
Sarah ane $ 10,000. Anosarudza kuparadzanisa mari yake kuva mubatanidzwa wemari, zvikwereti, uye mari.
Chokutanga, anosarudza kuisa 60 muzana yemari yake muzvikwata. Anopfuurira kusarudza kuparadzanisa izvi pakati pekambani dzakakura seCoca-Cola neReebok, uye makambani mashoma ayo vanhu vakawanda vasina kumbonzwa.
Anotenga madhora 4 000 muongorori yemari inofambisa makambani makuru-makambani uye $ 2,000 mumadhora ekutsvaga ayo anotora makambani maduku. Izvo zvikamu zve $ 6,000, kana 60 muzana yemari yake, mune zvayo.
Anoisa $ 3 500, kana 35 muzana, muzvikwereti zvakagadziriswa. Anoparadzanisa iyi 50/50 pakati pebhadharo reUnited Treasury nemasisita (guta) zvisungo.
Pakupedzisira, anochengeta $ 500 mumari, iyo inobata mumarikiti yemari yemari.
Sezvaunogona kuudza, Sarah ane zvakasiyana-siyana mune zvaakabata. Haasi kuisa mari muzvitoro, zvisungo, kana mari. Pane kudaro, ane musanganiswa wevatatu mumasitoreti ayo, izvo zvichamushumira zvakanaka apo mushamba unova usina kumira.