Uye Nzira Yokugadzirisa Nayo Kana Izvo Zvaitika
Hezvino ndizvo zvaunoda kuziva pamusoro pekuti nei vanhu vachirasikirwa nemari mumusika - uye kuti vangatsiva sei kubva kurasikirwa.
Vanhu vanorasikirwa nemari mumisika nokuti havanzwisisi marongerwo emari nemari ekutengeswa kwemashamba .
Bhizimisi nehupfumi zvinowedzera nekuderera. Mhemberero idzi dzinokurudzirwa nehupfumi huri kukura, kuwedzera basa, uye zvimwe zvakasiyana-siyana zvehupfumi. Sezvo inflation inopera, mitengo inomuka, uye kukura kweGDP kunoderera, saizvozvowo mari yekutengesa inoderera mukukosha.
Misika yekutsvaga mari inowedzera uye inowira nekuda kwezviitiko zvenyika. Mushure mokunge 9/11 mushamba wekutengesera wakawira 7.1 muzana, iyo yakanyanya kurasikirwa kwezuva rimwe mukutengesa. Musi weChishanu, Svondo 15, 2001, New York Stock Exchange yakanga yakaderera 14 muzana apo Dow Jones uye S & P 500 vakawira 11,6 muzana.
Kana iwe uchitengesa mukati mevhiki inotevera 9/11, mari yako inowanzove yakarasikirwa nemari.
Asi kana iwe wakabatisisa uye usina kuita chinhu mushure mekuderera, iwe ungadai uchipiwa mubayiro iwe uri iwe hukama: Mukati memwedzi wekurwiswa, Dow Jones, Nasdaq, uye S & P 500 vakadzokera kwavari ivo vasati vatambudzwa.
Kuti urege kudzivirira mari munguva yekudonha-pamakorokera, bheji yako yakanakisisa ndeyokugara zvakasimba uye kumirira kuti zvikwereti zvako zviwedzere.
Vanhu vanorasikirwa nemari mumisika nokuti vanorega manzwiro avo kuendesa kuisa mari yavo.
Nzira dzemari - mararamiro ekuzvibata kwepfungwa uye maitiro ezvoupfumi - anotsanangura kuti vatengi vanoita sei zvisarudzo zvisina kunaka.
Kunyatsonzwisisa maitiro ehutano hwemari zvinogona kukuchengetedza zvakawanda mu kurasikirwa munguva yako yehupenyu hwekutsvaga.
Mukutsvaga, mufudzi wemafungiro ndeimwe yenzira dzakaipisisa dzekunamata mari, uye inotarisa apo iwe unotevera boka revanhu vanoita mari. Kuchengeta pakuisa mari kunoitika kana iwe uchitevera boka, usina kuongorora ruzivo rwezvino.
Mukupera kwema1990, vatungamiri vehurumende uye vashandi vezvemari vainge vachidurura mari mumakambani eInternet com, vachityaira tsika dzavo kudenga. Mazhinji emakambani aya aisava nekusimba kwekubhadhara kwemari. Vatengesi, vachitya kurasa, vakapfuurira kutevera mombe pamwe nemari yavo yekuita mari.
Kutarisa pane zvakaitika kare S & P 500 inotengeswa yemusika inoratidza kuti kutenga nekutengesa nemombe kunogona kukanganisa kudzoka.
Kudzoka kwegore negore kweS & P 500 | |
Gore | Dzokera |
1995 | 37.20 muzana |
1996 | 22.68 muzana |
1997 | 33,10 muzana |
1998 | 28.34 muzana |
1999 | 20.89 muzana |
2000 | -9.03 muzana |
2001 | -11.85 muzana |
2002 | -21.97 muzana |
(Chinhu)
Kuti urege kudzivirira mari mumisika, usatevera boka revanhu uye usatengesa mune zvinhu zvakanyanyisa. Panzvimbo pezvo, ita chirongwa chekuisa mari, uye uitevere.
Vanhu vanorasikirwa nemari mumisika nokuti vanofunga kuti kuisa mari ndeye kuwana-pfuma-nokukurumidza chirongwa.
Iwe unogona kukurumidza kurasikirwa nemari yako yekusimwa nekuteerera zvinyorwa zvinopesana zvepenny stock uye maitiro ekutengesa masikati.
Dare rekuDarbar rakangoratidzwa rakaratidza kuti vatengesi ndivo vakaipa sei. Kubvira muna 1997 kusvika muna 2016, muvhareji anoshanda mubhizimusi wekutsvaga mabhizimusi akawana 3.98 muzana gore negore, nepo S & P 500 index yakadzoka 10.16 muzana muidzo. Zvikonzero zviri nyore: Vashandi vanoedza kubudisa zvikwereti kuburikidza nekutengesa kazhinji kutengesa uye kutengesa mukuedza kuita zvakanakisisa kuwana.
Kuti urege kudzivirira mari mumisika, tanidza kunze kwenyika dzimba dzekutsvaga uye zvipikirwa zvepfuma. Sezvakanyorwa munhoroondo yeTortoise neHarare, nzira "inononoka uye yakasimba" ichakunda: Dzivisai zvinonakidza "hazvikwanise kupotsa" mapoka nemaitiro, uye panzvimbo pacho unamatira nehuwandu hwekutsvaga kwekutsvaga nzira dzekureba kwenguva refu. Kunyangwe iwe unogona kurasikirwa zvishoma munguva shomanana, pakupedzisira nzira inononoka-uye-yakasimba ichakunda mutambo wemari.
Barbara A. Friedberg ndiye aimbova mumiriri wepodfolio uye munyori we Invest and Beat the Pros-Create and Manage Successful Investment Portfolio . Tsanangudzo yake inowanikwa pane mamwe mawebsite akasiyana neRobo-Advisor Pros.com naBarbara Friedberg Personal Finance. com.