Nzira yekubhadhara mari inoshandiswa sei kutungamira Aunti kana Chikwereti
Izvo mibvunzo inonakidza! Mumaminitsi gumi anotevera, ndinoda kukupa zvishoma zvishoma kuitira kuti ndikupe kunzwisisa kwakanakisisa kwebasa iro basa rekutsvaga kwekutsvaga rinotamba mukutarisira kwekambani, chikwereti, kana zvimwe zvakasanganiswa pari yemari.
Tsanangudzo yeInvestment Mandate
Imwe mitemo yekutsvaga mari ndiyo murayiridzo wekutarisira dzimba yemari, kana imwe murwi wemari, uchishandisa urongwa humwe uye mune zvimwe zvipingamupinyi. Semuenzaniso, kana muteresi akaratidzira kune pfuma yekuchengetedza pfuma uye akati, "Ndine $ 500 000 ndinoda kuchengetedzwa kuitira kuti ini ndigone kuishandisa kubhadhara muhofisi yehofisi yekambani yangu gare gare gore rino", mutemo unonzi kuchengetwa kweguta . Pane urongwa huwandu hwemariko inogona kuongororwa paunenge uchigadzira chikwereti chakatsvaga kuchengetwa kwemari . Iwe haungatengi, somuenzaniso, kutenga zvigaro zvehutano hwakanyanya-yakagadziriswa-yakagadziriswa-nguva yezvisungo kana hukuru hwemambo webhuruu chip stocks nokuti nguva inokubvumira iwe kuderedza dambudziko rekushaya simba .
Mune mamwe mazwi, muongorori anonyatsogadzirisa bhizinesi anogona kutaura nehupamhi hwechokwadi kuti zvikamu zvekambani yakafanana naJohnson & Johnson, imwe yezvine S & P 500 zvimwe zvinhu neChiratu A bond credit rating , inofanira kuva yakakosha mari yakawanda mu10 , 15, kana makore makumi maviri nemashanu, asi hapana munhu ane pfungwa ipi zvayo inofanirwa maererano nemashoko emakambani vhiki rinotevera kana kunyange makore maviri kubva zvino.
Ndiwo mararamiro ekutengeserana ematokari akafanana. Haigoni kudziviswa. Ichi ndicho chikonzero mufungidziri wezvemari, Benjamin Graham, akati munguva shomanana, mushamba wekutengesa ndiwo mutsara wekuvhota, kuratidzira mukurumbira, asi kwenguva refu, ndiwo mashini ekuyera, kuratidza kukosha kwemukati.
Mienzaniso yeMitemo yeInvestment
Kunze kwekuchengetedzwa kwekuchengetedzwa, izvo zvatakambokurukura, basa rekutsvaga mari rinogona kukanganisa chinangwa. Heano pane zvitatu zvezvinozivikanwa zvikuru:
- Kukura Kwemazuva Akareba Gwaro Rinotarisirwa: Mutariri weporotiyoti ndeyekuita kuti hurumende iwedzere kugutsikana kwezvinhu zvakachengetedzwa pamusoro pezvinhu zvakadai sekuwana mari kana kuti kushaya pangozi. Kana iyo chikwereti chinodarika 30% mangwana, hazvibatsiri, asi chete kuti yakachengeteka uye yakanaka; iyo makore gumi kubva ikozvino, inokosha zvakanyanya sezvo humwe hutsika hwehutori hwakaguma nemigumisiro inogutsa.
- Mari Inowanikwa Mari Inotarisirwa: Kana mutengi achida kurarama nemari yake, kunyanya kana kurasikirwa kwatove kwasvika, mvumo yekuwana mari inonyanya kufunga kunze kwekuti pane upfumi hwakawanda hugere zvakapoteredza kuti haisi kushungurudza. Pasi pemutungamiriri uyu, maneja wemapatotikiti anofanira kutanga kutora mari iripo kubva kune zvinobva kune zvinyorwa sezvikamu, zvikwereti, uye zvikwereti , pamusoro pekukura kwenguva refu. Izvi zvinogona kureva kusarudza mabhizimisi akakura, anononoka-kukura ane nhoroondo yakareba yehuwandu hunowedzera, zvibvumirano zvehurumende, sarudzo yakasarudzika , kana kuti dzimba dzine mari yakanaka yemari .
- Kufungidzira Kuita Mutemo Chirevo: Sezvo rwiyo rwekare runoenda, vamwe vasikana (kana vakomana) vanoda kungofara. Zvingava zvekufadzwa, chido chekupfumi nokukurumidza, kana kufara kwekuona mikana yakangwara uye kuedza kuvashandura muzvikwereti zvakadzama kuburikidza nokuva nani pane yegadziriro, chirevo chekufungidzira chinogona kukomberedza chero chinhu kubva pakutengesa penny mitsamba kunotenga kunze- ye-ye-mari pfupi kushevedza kushevedzera. Dzimwe nguva, nhoroondo ine simba iri ndeye "chikamu chemari", iyo ndiyo iyo munhu aneyo iyo inenge iine inonyanya kukoshesa kwayo uye yakanyonganiswa navo kuitira kuti vachengetedze zvavanofunga kutamba mari (pane chimwe chinhu chakadai?) imwe nhoroondo yakasiyana.
Imwe mitemo yekutsvaga mari inogona kuvharira mutungamiri wemapatotikiti kune mamwe mapoka emasikisi, nzvimbo dzenyika, maindasitiri, mashizha, mahesera ekugadzirisa, magetsi ekugadzirisa, uye / kana chimwe chinhu chipi zvacho chaunogona kufunga.
Semuenzaniso: Basa rekutsvaga kwekutsvaga pasi rose rinoreva kuti iwe unofanira kunge uine zvikwata zvose munyika yako yekune imwe nyika uye kune dzimwe nyika, asi sangano rekutsvaga kwekutsvaga nyika rinoreva kurega huwandu hwemahofisi kune mamwe mahofisi makuru kana kuita bhizinesi kunyanya kunze kwenyika yako. Sangano duku rekutsvaga kwekuchengetwa kwemari kunoreva kuwana zvikwata zvinofadza zviri pasi peimwe huwandu hwemari yemari . Simba rekutsvaga kwekutsvaga kwekutsvaga mari rinogona kureva kuvhara chikamu chepodfolio iyo inogona kutengeswa mugore ripi neripi kune 3% kana 5%; zvishoma kudarika 10%, iyo yekupedzisira iyo inogona kureva kuwandisa kwemareji yenguva yemakore anosvika gumi panzvimbo imwe neimwe.
Nheyo yaunosarudza pamusoro pezvakanyorwa yako inofanira kunge yakaenderana nemamiriro ako ezvinhu, zvinangwa, uye Inyo yeParamende Statement, kana IPS . Dzidza nezvezvinhu zviri pasi pekutungamirirwa .