Zvinhu Zvitanhatu Zvaunofanira Kuzvipa Iye zvino
Mune chikamu chakasiyana-siyana, pfuma yacho haina kuratirana . Apo imwe inomuka, imwe inowira. Inoderedza huwandu hwehuwandu nokuti, zvisinei nokuti chii chakaitwa nehupfumi, mamwe mapoka emakambani achabatsirwa.
Vanokanganisa kurasikirwa kwevamwe. Panewo mukana muduku wekuti nzvimbo yose yepodfolio ichaparadzwa nechiitiko chipi zvacho. Ndokusaka nzvimbo dzakasiyana-siyana ndeyekudzivirirwa kwako kwepamusoro pematambudziko emari.
Muenzaniso wekuti Dhiversification Inoshanda Sei
Nhamba dzinoita zvakanaka apo hupfumi huri kukura. Vashandi vanoda kudzoka zvakakwirira, saka vanokwira mutengo wematokari. Vanoda kugamuchira dambudziko guru rekudengenyeka nokuti vane tarisiro yeramangwana.
Zvikwereti nezvimwe zvakachengetwa zvakachengetwa mari zvinowedzera zvakanaka apo hupfumi huri kunonoka. Vashandi vanofarira zvikuru kuchengetedza kubata kwavo mukuderera. Vanoda kubvuma kudzoka kwakaderera kwekuderedzwa kwengozi.
Mutengo wezvinhu, zvakadai segorosi, mafuta, negoridhe, zvinopesana neropa uye chido. Havana kutevera zvikamu zvebhizinesi rezvebhizimisi zvakanyatsofanana nematokisi uye zvisungo.
Itaiwo Makirasi Aya Ekutanhatu Kuti Dhivize Purofiti Yenyu
Imwe mahofisi epasitikiti akasiyana-siyana anofanira kunge ane chekuchengetedza kubva kumatanho matanhatu easset.
US stocks . Izvi zvinosanganisira zviduku-duku , mid-cap, uye guru-cap .
US yakaronga mari . Iyo yakachengeteka ndiyo US Treasury uye zvisungo zvekuchengetedza . Izvi zvinotsigirwa nehurumende yehurumende. Masangano eMaspala akachengeteka zvakare. Unogonawo kutenga Bhizimisi-Bond Funds uye Money Market Funds dzinoshandisa mari idzi kuchengeteka.
Mabhandi ehurumende anopa kudzoka kwakakwirira nehuwandu hwehutano. Iyo yakakwirira zvikuru inodzoka uye njodzi inouya nezvisungo zvisingabatsiri .
Zvimwe zvikwereti . Izvi zvinosanganisira makambani kubva kumakwenzi maviri akabudirira uye ari kubuda. Iwe unogona kuwana hukuru hwakasiyana-siyana kana ukaisa kune dzimwe nyika. Inyika dzekutsvaga mari inogona kuunza yakakwirira kudzoka nokuti misika yemashambadzi nyika dzirikukura nokukurumidza. Kunyange zvakadaro, iyo inowedzera masimba nokuti inyika idzi dzine mabhuku mashoma ekuchengetedzwa kwebhengi munzvimbo, inogona kuve nokuchinja kwezvematongerwo enyika, uye haina kujeka. Imari yezvekunze kune dzimwe nyika inowedzerawo kutarisana nekuderera kwemadhora . Ndiyokuti makambani eUnited States anoita zvakanaka kana dhora risina simba, nokuti rinokurudzira kutengesa. Makambani ekune dzimwe nyika anoita zvakanaka kana dhora rakasimba, uye kutengeserana kwavo kuUnited States kunodhura.
Kune dzimwe nyika yakasarudzwa mari . Izvi zvinosanganisira mibvunzo yehurumende uye yehurumende. Vanodzivirira kubva kudhora rinoderera. Ivo vakachengeteka kudarika dzimwe nyika.
Commodities. Izvi zvinosanganisira zvinhu zvakasikwa zvakadai segoridhe, mafuta, uye dzimba. Ndarama inofanira kuva chikamu chekutsinhanisa kwekusiyana-siyana nokuti ndiyo nzvimbo yakanakisisa yokurwisana nekambani yematengesi . Kutsvakurudza kunoratidza kuti mitengo yegoridhe inomuka zvinoshamisa kwemazuva gumi nemashanu mushure mekuparara.
Nokuda kwezvimwe, ona Sei Invest In Gold? .
Iwe unofanirwa kusanganisira kuenzana mumba mako mune nzira yako yekusiyana-siyana. Kana kukwana kwako kuchikwira kumusoro, iwe unogona kutengesa zvimwe zvivako zvekumba, zvakadai seRITITS, mune yako portfolio. Unogonawo kufunga nezvekutengesa imba yako, kutora humwe ruzivo, uye kuenda kune imwe imba duku. Izvi zvinokudzivirira iwe kuva pfuma-imba asi mari-yakashata. Mune mamwe mazwi, iwe hauzove nemari yako yekutsvaga mazai mumba mako. Vazhinji varairi vemazano havasi kuverenga kuenzana mumba mako sekuda mari yezvivakwa. Ndiko nokuti vanofungidzira iwe ucharamba uchigara ikoko kwehupenyu hwako hwose. Mune mamwe mazwi, vakaiona sechinhu chinopedzwa, semotokari kana firiji, kwete mari yekutsvaga. Izvozvo zvakakurudzira varidzi vembavha vakawanda kuti vwereke kururamisa mumisha yavo kuti vatenge zvimwe zvinhu zvevatengi.
Apo dzimba dzeimba dzikaderera, vaifanira kukwereta kupfuura imba yakakodzera. Vanhu vazhinji vakafamba kubva kumisha yavo asi vamwe vakataura kuti bankruptcy.
Diversification uye Asset Allocation
Iwe unofanirwa kuva wei yega yega yega yeklasi? Hakuchina huwandu-hunoenderana-huwandu hwakasiyana-siyana hwekutsvaga. Vashandi vanoshandisa mari yekugoverwa kuti vaone kusanganiswa kwakakwana kwematokisi, zvisungo, uye zvinhu. Izvo zvinoenderana nekunyaradza kwako nehutano hwakasiyana-siyana, zvinangwa zvako, uye iwe uripi muupenyu. Somuenzaniso, mashizha ane ngozi kune zvisungo. Kana uchida mari iyi mumakore mashomanana anotevera, iwe unofanirwa kuchengetedza zvisungo zvakawanda kupfuura mumwe munhu angagona kumirira makore gumi. Nokudaro, chikamu chemhando yega yega yega yega inotarisana nezvinangwa zvako pachako. Vanofanirwa kukurudzirwa neine mari yezvigadziri.
Iwe unofanirwawo kuchinjazve zvichienderana neshure rezvino rebhizimisi . Mukutanga kwekudzikinura, mabhizimisi maduku anoita zvakanaka. Ivo ndivo vokutanga kuziva mukana uye vanogona kuita zvakakurumidza kupfuura makambani makuru. Zvikwata zvakakura-mashizha zvinoita zvakanaka mumucheto wokupedzisira wekuwanazve. Vane mari yakawanda yekubuda-kutengesa makambani maduku.
Chenjererai zvinhu zvakasiyana-siyana . Ndiyo apo mutengo weboka chero ipi zvayo yepamusoro inokura nokukurumidza. Icho chiri kuendesa mberi nevatsvakurudzi. Hazvibatsirwi nemaonero echokwadi chaiwo. Nguva dzose kubatanidza kuchakuchengetedza kubva pane zvinyorwa zvemafuta. Iwe unofanirwa kutengesa chero pfuma yakakura zvakanyanya inotora huwandu hwepotepa yako. Kana iwe uchitevera chirango ichi, haungatombogoni kuoma zvakanyanya apo bubble inoputika.
Mune imwe nzvimbo yakasiyana-siyana, pfuma yakawanda haigoni kuwirirana nezvimwe zvinhu. Kubva pane dambudziko rezvemari, mashizha nezvimwe zvinhu zvakabatanidzwa (0.6). Saizvozvowo zvikwata zve US uye zvakashambadzira misika yemarudzi ose (0.93). Saka, kana iwe uine zvikwata zve US, hapana mararamiro ekusiyana-siyana pakuve nekugadzira misika mumapatoti ako. Vanofamba nenzira imwecheteyo matanda.
Maererano nekutsvakurudza kweVanguard , iyo pfuma chete isiri yakabatana nematokari ndeye US Treasurys (-0.3). Asi izvi hazvirevi kuti iwe unofanira kungobata zvigadzirwa zveUS uye US Treasurys. Izvo zvingakudzivirira kubva pangozi, asi hazvizokupi kukupa zvakanakisisa kudzoka. Vanguard yakawana kuti nzvimbo dzakasiyana-siyana dzakashambadza dzakange dzine zvidzidzo zvitanhatu zvataurwa pamusoro apa dzinopa kudzoka kwakanakisisa nehuwandu huwandu hukuru.
Apo Mutual Fund kana Index Index Ndeye Diversified Investment
A mutual fund kana index fund inopa huwandu hwekusiyana kune hutano hwevanhu. Izvi ndezvekuti vanocherechedza bundle yematokisi, zvisungo, kana zvinhu. Sangano rekubatana kana rondedzero raizova shanduko yakasiyana-siyana kana iine makirasi matanhatu easset. Kuti uwane zvido zvako, inofanirawo kuenzanisa zvinhu izvi maererano nezvinangwa zvako. Zvadaro, zvingashandura zvichienderana nechitambo chebhizimisi.
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