Zvinhu Zvikuru Zvikwereti Zvose Vanofanirwa Kuziva Nezvemari Mari
Pasinei nokuti iwe uri muchengeti wemari kana kuti anotanga, iwe unenge uchiziva kuti pane zviuru zvehurumende yemari yaunosarudza kubva uye nezvimwe zvakawanda zvekuziva. Kunyange zvakadaro, pane zvinhu zvishanu zvitsva izvo mutyairi wese anofanira kuziva kuti akabudirira nekutsvaga mari mune zvemari.
01 Kutanga: Kuzvipira Nekutengesa Mari
02 Ziva Ngozi Yako
Chikonzero nei mari yakawanda yemari inowanzopa hutano hukuru pane nguva kupfuura hutano hwakasimbiswa ndeyokuda kwemari inowanikwa mubhadharo kune vashandi. Iyi premium inouya nenzira yakakwirira inobatanidza nekugamuchira misika yemisika, iyo ndiyo ngozi yekurasikirwa chikamu chimwe kana iyo yose yepakutanga inotengeswa.
Dambudziko guru kwauri iwe semurima, kunyange zvakadaro, rinogona kuva iwe . Ngwarira "kutsvaga kushanda," iyo ndiyo tsika yevanhu yekuenderera mberi nekutsvaga nekutenga mari yakanakisisa yokuita mari pavanenge vachitengesa zvisiri pasi. Yeuka kuti kudyidzana hakufaniri kufadza, kunofanira kuva kunetseka. Zvishoma uye zvakasimba zvinokunda munhangemutange!
03 Kutenga mabhasikiti: Dhiversify, Diversify, Diversify!
Mari inowirirana yakafanana nemabhasikiti emari yekutsvaga mari nekuti imwe chete mutual fund inogona kuisa mumazana kana mazana ematokari uye / kana zvisungo, zvinonzi "holdingings." Kune mari yakawanda yemari yakasiyana-siyana yakakwana yoga yekuisa mari yakawanda yemari yako yakagadzirirwa zvakaoma; asi iyo inofanirwa kuparidzira dambudziko rako (diversify) kumarudzi akasiyana-siyana mutual fund types , akadai semari, mari yezvisungo nemari yemari yemari.
04 Ziva Mitoro Nezvinoshandiswa
Iko mari inoshandiswa nekutenga uye kutengesa mari imwechete inogona kuputsika muzvikamu zvina zvinokosha:
Mutoro Wokutanga: Izvozvi zvinokwidzwa mberi (panguva yekutenga) uye inogona kusvika kusvika 5% kana kupfuura yakawanda inotengeswa. Somuenzaniso, kana iwe ukaisa $ 1 000 uine 5% yekutakura mutoro, mutoro wekutakura uchava $ 50.00 uye naizvozvo kushambadzira kwako kwekutanga kuchava $ 950.
Mutoro Wakareka: Izvi zvinowanikwa chete kana iwe uchitengesa mari. Izvo zvinonziwo kutengesa kutengesa zvimhosva, mitoro yekudzokera shure inowanzo mu 5% yepamusoro uye inogona kuderera kana kunyange kuderedzwa kusvika zero munguva, kazhinji mushure memakore mashanu kana kupfuura.
Hapana Mutoro kana Mutoro Wakavezwa: Sezvo zita rinoreva, iyi yezvikwama zvebhadha haina mumiriri wepamberi kana mutoro wekudzokera.
Kubhadhara mari: Haasi mari yose inotakura mitoro; kunyange zvakadaro kune mari iri pasi pekushandisa mari yose. Mari inoshandiswa yakawanda inenge yakapoteredza 1.50% ($ 1.50 yemari ye $ 100) yezvikwata zvemari pamwe uye ndeyekuenderera mberi kwekutarisira kwehomwe. Uyewo, dzimwe nguva inowanikwa muhomwe yebhadharo ndiyo inoshandiswa kushanda, inonzi 12b-1 mubhadharo.
05 Kupera Kwekare Hakusi Himbiso yeZuva Rinozoitika (Asi Zvakakosha Kuziva)
Tose taona kuregererwa kwebasa rekare. Kunyange zvakadaro, mutengi wezvikwata zvezvemari acharamba achifunga nezvekushanda kwekare munguva yekuongorora kwavo kwekutanga vasati vatenga. Ongorora nguva yakareba, yakadai semakore mashanu nemakore gumi, uye oenzanisa kushanda neyeimwe mari mune rimwechete. Zvakakoshawo kuona kuti mutungamiri ave ari mutungamiri wechikwata kwenguva yakareba sei. Kana, semuenzaniso, iwe uchinge uwana mari yekutengeserana nekunakidza kwemakore mashanu ekudzoka asi nguva yemutungamiriri muhomwe, iyo inonzi "mutariri wepamusoro," gore rimwechete chete, mutungamiriri uyu mutsva haagoni kupiwa chikwereti nokuda kwekushanda kwemakore mashanu .