Tsanangudzo uye Maitiro Akanakisisa ekudhinda mapurisa
Investment Portfolio Tsanangudzo
Mukutsvaga mari, imwe nzvimbo yepodfolio ndiyo yose yakazara iyo inosanganisira zvinodarika zvinomwe zvekutsvaga mari .
Mune chikamu chekugadzirisa mari yezvekutsvaga, iyo inowanzochengetedzwa, kana iyo inowanzonzi sehomwe (kureva "chikwata chematokari").
Nekutengeserana kwemari, zvose zvayo zvinobatanidzwa zvinosangana nekuumba imwe yemahofisi. Fungidzira bhaketi yakazadzwa nematombo. Bhuku ndiro mari yekutengeserana uye rimwe dombo ndiro rimwechete kana bhizinesi. Nhamba yematombo ose (mashesi kana zvisungo) zvakaenzana nenhamba yose yekubata kana mutual fund.
Kuvaka Chikamu cheMutual Funds
Kunyange zvazvo rimwe boka rekubhadhara mari iro pacharo rinogona kutaridzirwa sepapoti, kune njere yekuvaka chikwereti chemari pamwe chete , kana kuti chii chingafungidzirwa kuva chikwereti chezvikwata zvemahofisi. Chikonzero icho chakanaka kuva nemamwe mapepafisi ndeye zvinonzi diversification. Kana iwe ukasiyana-siyana zvakanaka, unogona kuderedza kusagadzikana (ups and downs) uye kugadzira kusanganiswa kwezvikwereti zvakakodzera zvakakosha nekuda kwezvinangwa zvemari uye kushivirira kwehutano .
Dhiversification inosanganisira shoko rokuti, "Usaisa mazai ako ose mune imwe tswanda." Usati wavaka purofidfolio yemari yemari, zvakakosha kunzwisisa uye kuenzanisa kushivirira kwako kwengozi nokuzadza purogiramu yeupfumi kana kuti kubvunzurudzwa kwepabonde . Iyi inhanho inokosha mukugadzirwa kwemapatotipu nokuti haudi kuita kukanganisa kwekutsvaga mari mune zvekugadzirisa zvinowedzera zvekutsvaga kwako.
Somuenzaniso, kana iwe uchifunga kuti iwe ucharasikirwa nehope usiku kana kukosha kwepodfolio yako kunoderera, iwe unofanirwa kudzivisa kutenga mari nekutsamwa.
Mutual Fund Portfolio Muenzaniso
Kana ukasarudza kana chikwereti chako chemari inofanira kunge chiri chekuchengetedza (pangozi shoma), inowirirana (midzi yepakati) kana utsinye (pangozi), iwe unogona kusarudza kuti ndeapi mapeji ekutengeserana kana kutenga kune peji yako.
Heano mimwe mimwe mienzaniso yega yega yemhando yepodfolio uye inonzi fund types:
Conservative Portfolio Example :
15% Makuru-makirosi (Index)
05% Small-cap stock
05% Foreign Stock
45% Mukatikati-bond Bond
30% Cash / Money Market
40% Makuru akavhara (Index)
10% Small-cap stock
15% Foreign Stock
30% Mukatikati-bond Bond
05% Cash / Money Market
Aggressive Portfolio Example :
30% Yakawanda-yakawanda (Index)
15% Mid-cap stock
15% Small-cap stock
25% kunze kune dzimwe nyika
15% Mukatikati-bond Bond
Ramba uchifunga kuti mienzaniso iri pamusoro apa inongova mazano ekudzidzisa kuti akubatsire kutanga. Uyewo gara uchifunga kuti iwe haugoni kutenga zvose izvi mari panguva imwe chete nokuti mari yakawanda yakawanda inotenga zvishoma kudenga pakutanga kune yakadarika $ 2,000.
Kana iwe usingakwanisi kutenga zvinopfuura imwe mutual fund, tarisa nyaya ino pamusoro pekushandisa mari imwe chete kana iyi ino pamusoro pemari yakanakisisa yekutanga kutengesa ne $ 100 chete .
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.