Kuderedza Mitero & Kukurukura Kudzoka
Vashandi vakawanda vane maitiro maviri ezvinyorwa zvekutsvaga maakaiti: 1) Aunti yekodha yekwereti iyo inogona kunge iri munhu mumwechete kana yekubatanidza uye 2) Nhoroondo yakabhadhara mitero, yakadai seIRA kana 401 (k).
Vazhinji vevatengesi vakafanana havana kumbobvira vaisa pfungwa pamusoro pekuti zvii zvekutsvaga mari zvakanakisisa kuisa munhoroondo idzi.
Kunzwisisa Mutero paMutual Funds Kunobatsira Sarudza nzvimbo
Yeuka kuti imari yakabatwa mukambani yekwereti inotengesa kune mari inowanikwa uye mubereko inowanikwa (zvikamu) . Somuenzaniso, kana iwe uchitengesa mari yekutengeswa pamutengo ( NAV ) yakakwirira kupfuura mutengo wautenga, iwe uchava nemari yaunowana iyo iwe uchabhadhara mutero. Uyezve, chero ipi zvayo inowanikwa mubereko (zvikamu) zvakabhadharwa muzvikwereti mubhuku rekubhadhara mari inotererwa semari inowanikwa mari, sekunge kana iripo painowana kubhadhara kubva kumushandi.
Mitero yakasiyana zvakanyanya mumatare emitero akaremberedzwa pane kuverengwa kwekodhadhi. Kutengesa mutengo wemari mune imwe nhoroondo yemutero, yakadai seIRA kana 401 (k), haizogadziri mari inowanikwa mubhadharo. Kutaura zvazviri, kutengesa mari hakuiti mitero zvachose (kunyange mamwe mari pamwe chete mari anogona kushanda).
Uyezve, kuwana mari kubva kune zvikwereti hazvibhadharwi muIRAs kana 401 (k) s kusvika kubviswa pane imwe nguva, zvakadai sekurega basa.
Mhando dzeFonds uye Aina dzeAkaunti
Tariro, iwe mutero uye mutero wevanotengesa mazano akabatana kuti ave nehutano hwakanaka: Mari dzinotapira zvishoma kumitero inofanira kuitirwa mumabhengi ezvekwereti uye mari pamwe chete iyo inogona kuunza mitero inofanira kuitwa mumakero akaremberedzwa.
Semuenzaniso, munyaya yekodhinari, unogona kufunga nezvekushandisa mari inoshandiswa nemitero, yakadai semasisheni ehurumende mari kana mari inokonzera mari shoma kana kuti isina chikamu, seyeimwe Exchange Exchange Fund (ETF) , Index yemari kana kuwedzera mari yemari.
Uyewo, rangarira kuti mari yekutengeserana inotaura zvinangwa zvavo mune imwe prospectus kana iwe unogona kuiwana uchishandisa Morningstar kana zvakananga kubva pane imwe mari yekambani webhusaiti. Kana chinangwa chemari ndeye "Kubhadhara" kana "Kukosha" kubata kwebato rekugadzirisa mari inowanzova mabhizimisi anowedzera mari (zvikamu) uye iwe uchava nebhadharo yemutero kana mari yacho inobata mukwereti yako yekubhadhara. Kusiyana neizvi, kukura kwehurumende pamwe chete kunowanzobata zvikwata nechinangwa chekukura, izvo zvinoreva kuti makambani anoshandisa purogiramu yavo kuti vadzorere mune kambani panzvimbo yekubhadhara zvikwereti kune varairi.
Dzivisa Imwe yezvikamu zvitatu zvepamusoro zve Mutual Funds
Parizvino iwe unofanirwa kunge uchitarisa mumiganhu yekuchengetedza mari yako yakawanda yakagadzirirwa uye kubhadhara mari inowanikwa nekuchengetedza mitero pasi. Kuti uchengetedze mitero iri pasi pemari yekutengeserana, ivai nenjere pamusoro penzvimbo yemugove - nzvimbo (gwaro rekodha) apo iwe unobata mari yako pamwe chete inogona kuita kusiyana kukuru mumitero, iyo inoitika kuva imwe yekukurira kukuru pane zvinoitwa nevashambadzi.
Zvakare, chengeta mari inobhadhara mari (mari yakawanda yezvisungo, mari yakawanda yemari pamwe nechinangwa chekuwana mari) mune imwe nhoroondo yemitero, yakadai seIRAs uye 401 (k) s. Chengetedza mari yakabhadhara mitero (ona mutero-mari inoshandiswa ) mukodha yakabhadhara, yakadai semakiti ega ega uye akabatanidza kubhadhara. Uyewo, tarisira huwandu hwekutsvaga mumabhengi ezvekwereti. Kana iwe unofunga nezvekutengeserana nguva zhinji (kutenga, kutengesa, kugoverana kazhinji kakawanda) edza kuita izvi zvakare muIRA yako kana 401 (k) apo pasina mari inowanikwa mubhadharo inogadzirwa.
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.