Iwe unotora sei njodzi yakawanda semuiti wekushambadzira?
Imwe pfungwa vanhu vazhinji vanorwisana nayo ndeye mari yekuenzanisa.
Iko kukakavadzana kune imwe yekusarudzira kana kushingaira, kana inopesana yenheyo inopikisana nedzimwe mhando dzemari pamwe chete? Kana kuti zvichida isu tisinganzwisisi tsanangudzo yekuisa mari. Inyore mari mari yega yega yekuisa mari kudarika? Kana zvakadaro, izvo zvinoreva kuti mhirizhonga yeIndaneti mari inopesana yekusavhiringidza kana kushanda nesimba.
Nhamba yemari haisi iyo chete nzira yekutsvaga mari, asi ndiyo inowanzozivikanwa. Imwe nyanzvi inotsanangurwa inotsanangura matanda (kana zvisungo) inowanikwa nokuva nematokisi akafanana neaya anowanikwa munyaya inozivikanwa uye yakaenzaniswa, seS & P 500 kana Russell 2000.
Sangano rakachengetedzwa rakasarudzwa risati riri chikwereti chekucherechedza richava nemiganho yekutsanangurira marudzi ematokisi ayo; iyo ichave iine matanda ose anogadzirisa izvo zvinotarisirwa pasina chero kuedza kusarudza "vakunda" kunze kweboka iroro. Dimensional Funds inhengo yekambani yehurumende isingabatsiri, asi mari yavo haina kuratidza mari.
Nhaurirano yekodzero yemari inopokana nekusimudzira mari kudarika mari inoshanda. Zvose mapepa ehurumende haatauri, asi kwete mari yose inotarisirwa kushandiswa inoratidza mari.
Apo vanhu vanoti unofanirwa kutora njodzi yakawanda paunenge uchiri muduku nokuti une nguva yakawanda yekudzorera, ivo vari kureva here pfuma yako kugoverana?
Kana kuti vari kutaura nezvezvinhu zvako zvose kugoverana kusanganiswa uye kusanganiswa kwemasukisi mukati memakirasi? Kana icho chechipiri ichiita izvi zvinoreva kuti iwe unofanira kuisa mari yako pane zvinhu zvakadai sepenstosi.
Apo vapeki vezvemari uye vehupfumi vachitaura nezvekutora njodzi yakawanda, isu tiri nguva dzose tichitaura nezvemafa enyu ekugoverana kusanganiswa , zvinoreva kusanganiswa kwematokisi kuzvisungo zvemari.
Penguva pfupi nguva, mashizha (akayerwa nematengo emusika) anogona kukwira zvakanyanya kana pasi zvakanyanya. Paunotarisa nguva kubva muna 1973 - 2009 semuenzaniso, mugore rimwe chete, mashizha anogona kukwira kusvika 60-90% kana pasi kusvika 40-50%. Pamusoro penguva iyocheteyo kana iwe ukayera mhemberero dzese dzemakore makumi maviri, panguva dzekutengesa zvakanakisisa makore makumi maviri emakore iwe wakagadziridzwa kudzoka mu 14-18% gore gore, uye pamusoro pemakore makumi maviri anopfuura ako kudzoka kwako kwaive mu 6-7% mararamiro Chikonzero chekushambadzira zvikamu zvinokuudza kuti utore njodzi yakawanda iwe uchiri muduku ndewekuti une makore makumi maviri ekurega mari yako ikushandire.
Kubatanidza pfungwa mbiri - kana iwe uchifanira kuisa mune mari yekuenzanisira asiwo kutora njodzi yakawanda paunenge uchiri muduku, sei izvi zvakazadziswa? Zvinokwanisika here kuisa mari mumari yekuenzanisira uye kuzviisa pachena kune ngozi yakawanda, ndizvo zvavanotaura kuti unofanira kuita uchiri muduku?
Izvi zvinoreva here kuti, semuenzaniso, munhu ane makore maviri anofanira kuva nemari yezana yemari yavo inotengeswa mumatanda, uye kuti 100% iyo inowanikwa muzvikwereti inofanira kuiswa mumari yekuenzanisa?
Kufunga kuti iwe unoda kuva mubhadhati wekuteerera, uye unobvumirana kuti kusarudza hupfumi humwe mukuedza kurova pamusika haisi basa rinokosha (chimwe chinhu chandinobvumirana nomwoyo wose), hongu hongu, ane makore maviri ane makore zana mari yavo muhomwe index index kana mari inotarisirwa kushandiswa.
Heano muenzaniso wekuti mutyairi wekutsvaga angapa sei chikamu chemazana makumi maviri emadhokoteti kumativi akasiyana-siyana ehurukuro yemari:
- 30% S & P 500 Index fund
- 10% Mid-cap index fund
- 10% Russell 2000 kana duku-cap index fund
- 20% Makuru akawandisa munyika yose index index
- 10% Emerging markets in index fund
- 10% Dudzi rekodhi rekodhi rekodhi
- 10% Real estate index fund
Iwe unogona kuwana mari iyo inokodzera chikamu chimwe nechimwe pamusoro apa mukanakisisa mutsara wemari .
Sezvaunokura, iwe unogona kuderedza chikamu chemari yezvinyorwa zvinowedzera uye uwedzere huwandu hwehuwandu hwekugoverana nehurumende yemari.