Izvo zvinenge zvese munhu wose muUnited States asingazivi ndeyekuti kuunganidza zviwanikwa zvichienderana nezvakaitwa kare hazvisi zvakanaka pfuma yako. Havana kuziva izvi pasinei nokuti mune chero zvikwereti kana muzvikwereti zvinoshambadzira hutano iwe uchaona nyevero "kushanda kwekare hakurevi kuti zvichaitika munguva yemberi".
Ikutsvaga kwekutsvaga kwekutsvaga kwekuita kwave kusina kubudirira kuti zvidzidzo zvakaitwa kuburikidza nekushaikwa kwayo kwekubudirira, zvakadai sepeji ya2010, Worthless Warnings? Kuedza Kubudirira Kwekudzivisa mu Mutual Fund Matangazo, ayo anoti,
"Mutual fund investors inokurudzira mari nemari yakadzoka yakadzoka, pasinei nokuti pane zvishoma, kana zviripo, ukama huri pakati pekudzoka kwekare uye kudzoka kwakadzoka. Nemhaka yokuti mari yekuchengetedza mari inotarisana nehuwandu hwemari inotengeswa mumari yavo, zvisinei, kambani dzemari dzinogara dzichizivisa zvikwereti zvemari yavo yakakwirira-inoita. "
Chimwe chidzidzo chakabudiswa muGeorgia Law Review, Mutual Fund Performance Advertising: Inherently and Materially Misleading? , inoti:
"Mari yekare" inogona kunge iri iyo inonyanya kukosha kuvashambadziri vanosarudza pakati pekubatana kwemari pamwe chete. Mari yezvikwereti inotengesa zvikwereti zvakapfuura zvakare. Asi zvidzidzo zvekuchengetedza zvakakwana zvakakwana mari zvakawana zvishoma uchapupu hwokuti simba rakapfuura rinofanotaura kufanirwa kwakasimba kwemangwana. Kuvhima kushambadzira mutambo webenzi. "
Uye mune imwezve dzidzo, Sei Mutemo WeMutengo Mumwe Uchikundikana? Chiongorudzo PaIndaneti Mutual Funds , varairidzi vakadzidza vakakumbirwa kuti vasarudze pakati peS & P 500 index index (iyo yose inowedzera nenzira imwechete mumatokisi akafanana). Vatori vechikamu vakaratidzirwa zvisingabatsiri zvinyorwa pamusoro pekushanda kwekare zvakadai se "kutanga kusvika zuva rekudzoka" - izvo zvisingabatsiri nhamba kunze kwekuti mari yose yakanga yatanga musi iwoyo.
Mhinduro yakarurama ingadai iri yekutsvaga mari yacho nemari yakaderera, asi makumi mapfumbamwe nezana (95%) yevatori vechikamu vakazviona zvisina kururama - uye havana kuderedza mari.
Pasinei nouchapupu hwakajeka hwokuti kusarudza mari zvichienderana nebasa rekare, kutaura pachena, nzira isina kugadzikana yekutsvaga mari, vanhu vanoramba vachizviita. Sei? Iko kune chisimbiso chinokosha pamusoro pokuti kana kushanda kwakapfuura uye kusina kukodzera. Pasi pane nhungamiro mitatu yekushandisa kana uchifunga nezvekushanda kwekare.
1. Kupera Kwekare Kunobatanidza neChipupuriro cheMutengi weMarikiti Hazvirevi
Mumwe mutungamiri wezvikwereti anokwanisa kuwana mukana, kana mararamiro aanoita ekutsvaga mari angave achida kwenguva yakareba. Zvakanaka kwavari! Izvozvo hazvirevi kuti zvichava zvakanaka kwauri. Uchapupu husingarangarirwi hunoratidza kuti vatungamiri vashandi havakwanise kuwana mari inopfuura yakakosha.
2. Kuitwa Kwekare Kunobatanidza kune imwe Fund Type vs.
Somuenzaniso, kuenzanisa chikwereti chikuru chekambani kune chikamu chemari shoma, kana real estate fund kune imwe nyika inotanga kushambadzira mari. Mamwe mapoka emasikirwo anoita zvakanaka mune dzimwe nzvimbo dzoupfumi; vamwe havaiti. Kuwana zvikwereti zvichienderana nebasa rakapfuura kunogona kukukwevera kune zvidzidzo zvemafasi ayo akaita zvakanaka pamusoro pemakore mashanu kana gumi apfuura, izvo zvingave zvisingaenzaniswi zvidzidzo zvingaita zvakanaka pamusoro pemakore mashanu kana gumi anotevera.
3. Zvinotarisirwa Kudzoka Kubva Mungozi Yemajeri Is Relevant - Kupfuura Nguva Yakareba
Ndinotenda vanhu vanovhiringidza mhando dzepamusoro dzekushanda kwekare nekudzoka kwakatarwa kunobva pane chimwe chinhu chinonzi premium risk.
Semuenzaniso, varimi vakawanda vanotenda kuti pane nguva yakawanda mashizha anofanira kupfuudza zvakanyanya kuchengetedzwa kwezvokuchengetedza sezvisungo. Basa rekare rinowanzotaurwa nezve "uchapupu" hweizvi. Zvisinei, hazvisi basa rakapfuura rinotungamirira kune tarisiro yekuti nguva inosvika mabhizimisi inofanira kupa zvikwereti zvakakwirira kudarika zvisungo. Icho chinhu chinonzi premium yeruzhinji.
Pfungwa yehutano hwemungozi inobva pakusanzwisisa. Ngatiti iwe unogona kuisa $ 10 000 mubhengi rako rekune imwe nyika uye unowana kubhadhara kusachengetedzwa kusingabhadhari kwe1%. Kana iwe unogona kuisa $ 10 000 mune bhizinesi ravimbwa naro. Kana kudyirwa mubhizimisi kwaitarisirwa kubhadhara iwechete 1% sezvo bhengi ipapo pasina chikonzero chekuti iwe uite.
Iwe unoziva bhizinesi raigona kukundikana; iwewo unoziva kana ichibudirira iwe uchawana zvakanyanya kupfuura 1%.
Kana iwe ukatora bhizinesi rekutsvaga iwe unotarisira kudzoka kudarika zvaunogona kuwana mukuchengetedzwa kwakachengeteka - uye iwe unogamuchira dambudziko kuti rinogona kuwana zvishoma kana kuunza kurasikirwa. Iwe unoita kuti iwe uwane mari nokuti unotarisira kubhadharwa nekuda kwekutengesa - iyo ndiyo inokonzerwa nehuwandu hwepamberi.
Icho chirevo chepambisi yepangozi iyo inopa mamwe mashizha emasikirwo yakawanda yakatarwa yekudzoka kune vamwe. Uye mune dzakawanda (asi kwete zvose), anopiwa nguva yakakwana (20+ years) riskier masayiti emakambani akatoendesa zvakadzoka zvakakwirira kudarika kusarudzwa kwekutsvaga mari shoma .
Mhinduro dzinotarisirwa kubva pamakambani ezvikwereti zvinokonzera chimwe chinhu chakasiyana zvakasiyana nekusarudza mari yekutengeserana kana yekutengeserana inobva pane kudzoka kwekare.
Kuwedzera kwehuwandu hwehutengo ndiyo chigoni chinogona kushandiswa kuvaka purofimiti yemari inoshandiswa iyo inofanirwa kudzoka yakatarwa kwenguva yakareba kupfuura dzimwe zvingasarudzwa zvishoma.
Kushandisa mukana wekuenzanisa mukana wekukwanisa kuumba purofikodhi yakanaka yakasiyana zvachose pane kutarisa rondedzero yemari pamwe chete uye kutora izvo zvakave nekudzoka zvakanyanya kupfuura zvakaitika kare, 5, 10, kana kutanga kusvika panguva yakatarwa.
Nokuda kwefuma yako, rega kuisa mari kumusikana. Tanga kutora mari yekuchenjera. Kana iwe usingazivi nzira yekuisa mari yakajeka, shandisa mumwe munhu kuti akubatsire. Mari inobhadharwa mazano inokodzera kubhadhara. Mari inobhadharwa mari yekuti mari inofunga kuti inogona "kupararira" yemusika haisi.