Nzira Yokuziva, Kuwana nekushandisa Conservative Mutual Funds
Kana iwe uri mubhadhari anochengetedza, kana kufunga kuti iwe unofanirwa kuva, unoda kuita zvishoma zvekuchikoro kuti uwane nzira yakanakisisa yekushandisa mari nekuchengetedza mari. Iwe unogonawo kuda kudzidza kuti ungavaka sei podfolio yako yakasarudzwa nekusarudzwa kwakasiyana kwemari.
Conservative Mutual Funds Tsanangudzo
Mari dzinowanikwa pamwe chete dzinowanzotumidzwa se "inoshandiswa-inopa mari" nokuti vane mugove (kusanganiswa kwematokisi, zvisungo nemari) izvo zvisinganyanyi kuisa pangozi. Nzvimbo dzekuchengetedza mapurisa dzinowanzoda kutsvaga kuonga kukuru uye mari kune mutyairi. Chekuchengetedzwa kwemari inoshandiswa inowanzoita zviduku zviduku zvemasikirwo kudarika kuenzanisa-kugoverwa zvikwata uye zvakanyanya kuderera mumatambudziko kudarika zvikwata zvehupfumi zvemari .
Zvinongororwa zvekuchengetedza zvinowanzova pakati pe20% uye 50% yepodfolio yemari mumatokari uye 50% kusvika ku80% yezvinhu mumusangano wezvisungo nemari.
Ndiani Anofanira Kuisa muCervidative Mutual Funds?
Imwe nyanzvi yepamusoro inokodzera kumusimusi ane mutsauko wekutambudzika uye nguva yakatarisa kubva pfupi kusvika kune yakareba kupfuura makore matatu. Vashandi vanochengeteka havagoni kubvuma nguva dzekutengeserana kwemahombekiti (zvakakosha uye zvishoma muhutano hwebhuku) uye vari kutsvaga mitsva inofanirana kana zvishoma kunze kwekunamata.
Sample Conservative Portfolio ye Mutual Funds
Vashandi vanogona kuvaka purogiramu yavo yekuchengetedza mari yemari pamwe chete nemafungiro akasiyana-siyana ehurumende yezvikwata zvezvikwata zvakasiyana-siyana kubva muzvikwata zvakasiyana-siyana.
Heano muenzaniso wepodfolio yakagadzirwa nemari shanu. Izvo zvakasarudzwa zvinowanikwa makumi maviri nematatu emadhora, 45% zvisungo uye 30% mari (mari yemusika).
15% Makuru-makirosi (Index)
05% Small-cap stock
05% Foreign Stock
45% Mukatikati-bond Bond
30% Cash / Money Market
Best Conservative Allocations Funds
Imwe yepamusoro yakachengetedza mari inoshandiswa nehuwandu hwekudzoka kwakadzikama kwakambove yakagadzirwa nepamusoro pehuwandu hwekuwedzera kwezvinhu ndeyeVanguard Wellesley Inowanikwa (VWINX). Somuenzaniso, rimwe remakore akaipisisa kwematokari raiva muna 2008, apo S & P 500 Index yakadarika ne 37%. VWINX yakarasikirwa ne 9,8% chete, iyo inokwidza 90% yezvose zvakachengetedzwa zvekugovana mutual funds. Kudzoka kwenguva refu (makore gumi kana kupfuura) inosvika anenge 7%. Mumashoko akasiyana, murimi ane murwere asingafungi kuti kurasikirwa kwese kamwechete kune 10% mugore rimwe chete kubva kune makore anenge 10, asi vachiri kutarisa kushandiswa kwemakore annualized zvikuru kupfuura chiyero chekuwedzera kwezvinhu kunogona kuona VWINX.
Kana iwe uchida kuvaka imba yako pachako seVanguard Wellesley Inowanikwa, nzira yakanakisisa yekuita nayo ndeyokutenga mari yemari uye ugovapa nenzira yakafanana neVWINX. Nhaka yekugoverwa kweWellesley inowanzova yakasvika 35% yematokari, 60% zvisungo uye 5% mari.
Mashoko eUchenjeri paKunamata Kwekuchengetedza
Usati wasarudza kuita kuti chinangwa chako chekutsvaga mari chive munhu anochengeteka, iva nechokwadi chokuti unoziva zvaunoisa pakutanga. Kana chinangwa chako chiri kukura mari yako nekufamba kwenguva, iwe unogona kuwedzera kuwedzerwa kwako kumatokari nekutsvaga mune imwe yemari-kugoverwa mari kana kuti kugadzira kusanganiswa kwemazana emari (kureva 60% matanda, 35% zvisungo uye 5% mari) .
Uye kana chinonyanya kukosha kuchengeteka, uye iwe usingafungi kuwana mari yekuswedera-zero, mari pamwe chete haisiyo yakanakisisa sarudzo.
Asi kana iwe uchida kuramba uine (kana kuti kunze kwepamusoro) kutengesa nemari yako, unoda kutora dambudziko rakadaro uye unoda kuona kuora kwekusingaperi asi kusingadzivisiki.
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.