Nzira dzaunogona kutanga Kutenga uye Kuwana Mari Yako Kukushandira Iwe
Muchikamu chino, ndinoda kutsanangura dzimwe nzira iyo vatengi vatsva vanotanga rwendo rwavo. Apo patinopinda mukati, ndinovhara zvimwe zvezvigadziriro uye nzira dzaungasarudza kutora matanho ako okutanga. Ndinoda kuti iwe uyeuke izvi: Usashora zuva rekutanga kuduku. Munhu wose aifanira kutanga pane imwe nzvimbo. Iwe uchashamiswa nekuve nani pane iwe unogona kunge uchifamba kwenguva sekunge matanho akaita sediki kuti uvandudze mamiriro ako ezvinhu zvichiguma mumigumisiro mikuru uye yakakura.
Danho Rokutanga Mukuona Kwaungaita Kuita Mari Ndiko Kusarudza Ndezvipi Zvimwe Zvinhu Unoda Kuzvitora
Parikati yayo, kuisa mari kuri kutarisira mari nhasi kutarisira kuwana mari yakawanda zvakare mune ramangwana iyo, kuverenga kwenguva , kugadzirisa njodzi , uye kutengesa muhupfumi , inoguma nehuwandu hunogutsa huwandu hwekuwedzera kwegore , zvikurukuru kana uchienzaniswa nemitemo inofungidzirwa "mari" yakanaka . Kazhinji nguva, izvi zvinowanikwa kuburikidza nekuwana kwezvinhu zvinobudirira.
Zvinhu zvinobudirira zvikwereti zvinowedzera mukati mari mari yakawanda kubva kune rimwe rudzi rwebasa. Somuenzaniso, kana iwe ukatenga mufananidzo, haisi iyo inobatsira. Makore zana kubva ikozvino, iwe uchave uine pikicha chete, izvo zvingave kana zvisingakodzeri mari kana mari shoma. (Iwe unogona, kunyange zvakadaro, uchikwanisa kuzvishandura kuva chinhu chinogutsa-chekuita nekuzarura musamuziyamu uye kubhadhara kupinda kwekuona.) Kune rumwe rutivi, kana iwe uchitenga chivakwa chemba, hauzovi neimba chete, asi mari yose yakabhadharwa kubva kubhadhara uye mari yebasa pamusoro pezana remakore.
Kunyangwe kana chivako chikaparara, iwe uchiri nemari yekuyerera, iyo iwe ungadai wakashandisa kutsigira mararamiro ako, wakapiwa rudo, kana kudzorerwa mune mamwe mikana.
Rudzi rwega yega yezvigadzirwa zvinobudirira zvine zvigaro zvayo uye zvakashata, zvigaro zvepamutemo, mitemo yemitemo, mitemo yemitero, nezvimwewo zvakakosha. Iwe unogona kuzviwana uchikwevedza kune imwe, imwe, kana kumwe kusanganiswa kwemariko zvichienderana nemari yako iripo, ruzivo, unyoro, uye kunyange mikana inowanika mune rimwe boka reasset chero nguva ipi zvayo ichienzaniswa neimwe. Heino kurwisana kunokurumidza kwezvimwe zvingangoita mari iwe unogona kuita sezvaunotanga rwendo rwako:
Bhizimisi Equity - Kana iwe pachako uchienzanisa mubhizinesi, une kodzero yekugovera chikamu chebatsiro kana kurasikirwa kwakakonzerwa nebasa iri rekushanda. Kunyangwe iwe uchisarudza kuva nehutano hwakadaro kuburikidza nekuwana bhizimisi shoma zvakakwana kana kutenga zvigaro zvebhizimisi rekutengeserana pachena nekutenga kwezvikwata , bhizimisi rehutano zvakambove iri rairo rinogutsa chikwata chevatengesi. Zvakanyanya zvokuti zvakanyatsocherechedza kuti bhizimisi yakanaka chipo chinoramba chichipa. Ichokwadi, kuisa mari mune zvebhizimisi kutengesa kunogona kuva nengozi yakawanda-uri kutambira mabhuku ekubudirira kwemakumi makumi emakore uye kamwe-kamwe teknolojia inoguma mukusimudzika kweAmazon asi asi mabhuku emagetsi sezvakaita Kindle, asi iwe unogona kuunza hupfumi - asi inogona kuunza upfumi kunze kwekufungidzira.
Vanhu vakawanda vakangwara vanoomerera pane zvakasiyana-siyana nokuti mune zvimwe zvinokosha zvemasvomhu sezvo iwe usingangoderedzeri kuvimba kwako pane bhizimisi rimwe chete asi kuwedzera mikana yako yekuwana mukana wokuchinja hupenyu. Iwe pachako, semuzhinji wenyu munoziva, ndinoda kuva nemabhizimisi emabhizimisi ega ega, seGomo reOlympus Awards, reAmerican-based letterman jacket awards company, uye mabhizimisi evanhu vose, kusanganisira chikwereti chakazara nezvinhu zvose kubva kuDiageo kusvika kuColgate-Palmolive.
Fixed Secure Securities - Paunotenga chikwereti chekuchengetedza mari, iwe uri kukweretesa mari kune mubhadhadzi webhangi mukutsinhanisa nemari inowanikwa . Kune nzira dzakawanda iwe unogona kuzviita, kubva pakutengesa zvitikiti zvekuisa uye mari yemari kumabatanidzwa emakambani , kubhadhara mitero yemashumo emasitrasi kuhutano hwekuchengetedza kweUnited States seS Series Series EE kuchengetedza zvikwereti kana Bhinda I kuchengetedza zvikwereti , zvisungo zvekutonga zvakadai seU.S. Mari yezvivigiro, zvibvumirano, uye manotsi kumabhandi ehurumende, uye pepanhau rekutengesa kune zvigadziro zvekutengeserana.
Real Estate - Zvichida yakwegura uye inonzwisisika zviri nyore (kunyange iri kure neyo nyore) vashandi vemazana vemazana vanogona kufunga kuti inzvimbo. Kune nzira dzakawanda dzekuita mari kuisa mari muimba yekutengesa asi inowanzosvika kune imwe yekugadzirisa chimwe chinhu nekuitengesa kune purogiramu kana kuva nechimwe chinhu nekurega vamwe vashandise ichitsinhanisa kubhadhara kana kubhadhara mari. Nokuda kwevatengi vakawanda, pfuma yakave iyo nzira yeupfumi nokuti inowedzera zvikwereti, kana ukakanganwira pun, kushandisa shanduko. Izvi zvinogona kuva zvakaipa kana hutsva hunosvika pakuva murombo asi, hunoshandiswa kune hutano hwakanaka, pamutengo wakakodzera, uye pamashoko akakodzera, inogona kubvumira munhu asina mari yakawanda inokosha kukurumidza kuunganidza zvemari, kudzora yakakura zvikuru yeasset base kupfuura iye kana aigona kutora mari.
Zvisikwa Zvisingaonekwi Nekodzero - Ini, ini ndinonamata chikwata chemafasi kana chaitwa zvakanaka nokuti unokwanisa kugadzira zvinhu kubva kune mweya wakaonda unoramba uchinyora mari iwe. Zvisikwa zvisingaonekwi zvinosanganisira zvinhu zvose kubva pamabhizimisi uye zvibvumirano kumimhanzi mitsva uye kodzero dzekodzero. Ini ndinonyanya kuda zvekupedzisira. Pamusoro pehupenyu hwangu, huwandu hwekodzero dzangu ndoga hwakaita mari yakawandisa yandakashandisa kune zvimwe zvinangwa, kusanganisira kubhadhara mari kutenga mabhizimusi, kutora mazororo, kana kugovera kuvhesi yemhuri yangu.
Farmland kana zvimwe Zvokudya-Kubudisa Zvinhu - Kunyange zvazvo zvinowanzobatanidza zvivako zvekumba, kuisa mari mumabasa ekugadzira zvinhu zvakasiyana zvakanyanya pakuti iwe uri kubudisa kana kubvisa chimwe chinhu kubva pasi kana chimiro, kazhinji kuchivandudza, uye kuchichitengesa pane zvaunotarisira inobatsira. Kana mafuta akawanikwa munyika yako, unogona kuitora uye kutora mari kubva kutengesa. Kana iwe uchikura chibage, unogona kuutengesa, uchiwedzera mari yako nenguva dzose dzakabudirira. Njodzi idzi dzinokosha - mamiriro okunze akaipa, njodzi, nedzimwe dambudziko zvinogona uye zvakakonzera vanhu kuti varege kubhadharwa nekutsvaga mari mukirasi ino-asi zvakadaro, zvakare, inogona kuva mubairo.
Icho Chiitiko Chinoitika Mukuona Kubuda Kwokuti Ungashandisa Sei Mari Yako Ndeyekusarudza Maitiro Aunoda Kuti Uve Nezvinhu Zvako
Kana wapedza kugadzirisa pachikoro chesafa iwe unoda kuva nacho, iwe unotevera kusarudza kuti unozoita sei. Kuti tinzwisise zviri nani pfungwa iyi, ngatitarirei mubhizimisi kuenzana. Kana ukasarudza iwe unoda danda mubhizinesi rekutengeserana pachena, unoda here zvikamu zviri pachena kana kuburikidza nesangano rakakonzerwa?
Nzvimbo Yakakwana - Kana ukasarudza pfuma yako pachako, uri kutenga chikamu chemakambani ari oga zvakananga kuitira kuti uvaone pane imwe nzvimbo pane bhadharo yako kana bhadha rebasa raunotarisira. Kune marudzi ese emitero uye urongwa uhwo unogona kushandisa zvakanaka kuburikidza nekuzviita nenzira iyi, kusanganisira yakawanda-yakada kutsika-yakasarudzwa uye kutereta-kurasikirwa kwekukohwa kwemajenya akatsaurwa kuti kuderedze kukohwa kwakaitwa neFederal, state, uye hurumende dzenzvimbo apo iwe unoda kukwidza mari. Izvo zvakaderera ndezvekuti zvinowedzera mari uye zvinongonzwisisika kana iwe ukasimuka mumatare matanhatu, kazhinji $ 250,000, $ 500,000 kana kupfuura. Izvi hazvikwaniseki kune vashandi vakawanda vanotangotanga kunze kunze kwekuti vakave nemhepo huru mune imwe nzira.
Kusarudzwa Uhu - Unosanganisa mari yako nevamwe vanhu uye uchatenga umiridzi kuburikidza nechigadziro chakagoverwa kana sangano. Somuenzaniso, mune imwe nyaya inonzi How a Mutual Fund Is Structured , ndakakutungamira kuburikidza nekugadziriswa kwehurumende yemhuri yakavhara. Vamwe varimi vane hupfumi vanoita mari muhuta mari . Kune vaduku, varombo varombo, zvinhu zvakadai semari yekutsinhanisa-kutengesa mari uye mari yekuenzanisira inoita kuti zvibvirire kutenga mapepafoliyo akasiyana-siyana pamatengo anodhura kupfuura zvaangagona kuzvipa ivo pachavo. Iko kunokonzerwa nekurasikirwa kwepedyo zvachose kwekutonga. Kana iwe ukasimudza mune chimwe chinhu chakadai seS & P 500 index index, iyo isingaiti seyekuti vamwe vatengesi vauya kutenda asi, pane kudaro, vakanyatsogadzirirwa nekomiti inogadzira nzira dzekugadzirisa nguva nenguva, iwe unofanana nekuda kwekutasva, kusunungura zvisarudzo zvako kune boka duku revanhu vane simba rekuchinja sarudzo yako. Iwe unayowo mukana wekupinza mari yakawanda iyo isina kumbova dambudziko kusvika iye zvino,, kana makambani makuru ekutsvaga achinzwa kuchinja kwekushanduka kwemari, sekuda kwekugadzirisa mazano ekupedzisira pane imwe nguva kana imwe mune zvakare, zvinogona kureva kubatana nemutero wemumwe munhu .
Danho rechitatu Mukuona Kubudiswa Kwokuita Kwokuita Ndiko Kusarudza Kwamunoda Kubata Zvinhu Zvesa
Mushure mekunge masarudza nzira yaunoda kutenga mari yako yekutsvaga, inotevera, unofanirwa kusarudza kuti unoda kubata sei zvinhu izvozvo. Izvi zvinogona kuva nemigumisiro mikuru, dzimwe nguva yeupenyu-inochinja kumhuri yako, kusanganisira vana vako, vazukuru, uye dzimwe vagari venhaka. Zvishoma zvekugadzirira zvakanaka, pakutanga, zvinogona kureva zvibereko zvinobatsira zvikuru gare gare. Mifananidzo yakajeka ndeyeWalton Enterprises, LLC, iyo ndiyo mhuri yega yega yekambani yekambani yeSam Walton. Nekuita kuti nhengo dzemhuri yake dzigone kudyidzana pamwechete kuburikidza nesangano rakasimbiswa , akakwanisa kupa 80% yeupfumi hwake kuvana vake pasina kutarisana nemitero yeimba. Nenzira iyo, akaparadzanisa ugove wezvakazove Wal-Mart Stores, Inc. kuvana, vachiichengeta kuburikidza nehurumende yaaitungamirira, kudzoka apo kambani yacho yakanga isina zvishoma kana ichienzaniswa neyo yakazopedzisira yave. Akakwanisa kuparadzanisa kutonga kubva kune zvido zvezvemari, zvichiita kuti mhuri yeWalton ive kure, yakapfuma kwazvo kupfuura iyo ingadai isina.
Zvisarudzo zvaunoita zvingangove zvakakosha. Paunenge uchiita sarudzo, iwe uchaitora sei?
Mitero Inokweretwa - Kana ukasarudza mabhadharekiti akanganisa, akadai sekambani yekubhadhara , iwe uchabhadhara mitero iri munzira asi mari yako hairegi. Iwe unogona kuripedza pazvose zvaunoda, zvisinei, iwe unoda. Iwe unogona kuitenga iyo yose uye kutenga imba yegungwa. Iwe unogona kuwedzera zvakanyanya sezvaunoda kuriga gore negore, pasina chikamu. Icho ndicho chakakosha pakugadzirisa asi iwe unofanirwa kupa Ambuya Sam wake akacheka.
Matero Emitero - Kana iwe ukadyisa kuburikidza nezvinhu zvakadai se 401 (k) chirongwa chebasa uye / kana Roth IRA pachako, kune zvakawanda zvekuchengetedzwa kwemari uye kubhadhara mitero. Zvimwe zvirongwa zvekurega basa uye zvigaro zvine ruzivo rwekudzivirira kusingagumi, zvinoreva kana iwe uchitambura nedambudziko rezvokurapa kana chimwe chiitiko chinotsvaga bhadha rako rega, iwe unogona kubva nemari yako yekutsvaga ichiri kuwedzera kune iwe kudarika kusvika kune vanoita chikwereti. Vamwe vane zvisingakwanisi kugadziriswa kwezvinhu zvakachengetwa asi vachiri kusvika kumatanhatu manomwe. Zvimwe zvinotarirwa mutero, zvinowanzoreva kuti iwe unotora kubhadhara mutero panguva yaunoisa mari iyo muakaiti kuti uwane mari uye uzobhadhara mitero mune ramangwana, kazhinji makumi emakore gare gare, uchikubvumira gore negore rekutere-kutengesa kukura. Vamwe havatori mutero, zvinoreva kuti iwe unozvibhadhara nematare emitero asi iwe haungambobhadhara mitero kune imwe yezvibereko zvekutsvaga inowanikwa mukati mekambani kana pamari kana iwe ukabvisa mari yacho gare gare muupenyu, kana iwe ukasangana nekodzero. Kuronga kwakanaka kwemitero, kunyanya pakutanga kwebasa rako, kunogona kureva hupfumi hwakawandisa mumugwagwa sezvo zvikomborero zvinowedzera pavari.
Zvitendero kana dzimwe nzira dzekuchengetedza mararamiro - Imwe nzira yekuchengetedza zvikwereti zvako kuburikidza nemasangano kana zvivako zvakadai semari yekutenda . Sezvawakadzidza mune Chii Chinonzi Trust Trust? , kune humwe hukuru hwekugadzirisa uye kubatsira kwekuchengetedza kwekushandisa kushandisa idzi hutano hunhu, kunyanya kana uchida kudzivisa kuti mari yako inoshandiswa nenzira ipi. Somuenzaniso, kana iwe ukawana inshuwarisi yehupenyu, unogona kuda kutumidza fund trust semupi webumbiro remutemo. Izvi zvichaita kuti mubhadharo weinishuwarenzi uende ku trust. Ndaizoenda kune imwe nzvimbo kuti ndiite chimwe chinhu chakadai sokusarudza dhipatimendi rebhanki rekuchengetedza sehutungamiri wepamutemo panzvimbo yekumutarisira wekozvino-nherera vana. Izvi zvinofanira kuita kuti zvive zvakaoma zvikuru, kana zvisingaitike, kuti muchengeti aparadze pfuma yakaitirwa mwana wako; nhau yamunonzwa kakawanda mumari yekugadzira denderedzwa. Hongu, mari yekubhadhara ichave yakakwirira zvikuru asi kuwira shure kwemusika hakusi iwe unonyanya kukoshesa. Chaizvoizvo, zvinopesana. Kana iwe uine chivimbo chakanaka ne $ 500 000 kana zvakadaro mukati maro, hapana zvido zvakakosha, uye iwe unotarisira kuti ichatorerwa mukati anenge makore gumi mushure mekufa kwako, ini, iwe pachako, funga kutarisa kuVanguard's trust department. Mari inobhadhara inenge inenge 1.57% pagore nekufungidzira kwangu. Nezvauri kuwana, icho chinhu chikuru. Handifungi kuti zvakakosha kune vashandi vemari vepfuma kana varimi vane mimwe mitemo asi asi, iyo inoita kuti basa riitike.
Kana uine zvakawanda zvekushandisa zviwanikwa kana zvivako zvekutengesa, iwe unogona kutaura kutaura nemhosva yako nezvekugadzira kambani inobata.
Muenzaniso Wekuti Mutengesi Watsva Anotanga Kutanga Sei?
Nekugadzirisa nzira, ngatitarisei kuti mushandi wekutsvaga angatanga sei kuisa mari.
Chokutanga, achifunga kuti iye haasi iye oga, nzira yakanakisisa yekuita ichave yakanyoresa 401 (k) , 403 (b) , kana mamwe mazano ekurasikirwa nemari kumashandiro nokukurumidza. Vashandi vakawanda vanopa imwe nzira yekufananidza mari kusvika kune imwe nzvimbo. Zvinonzwisisika kushandisa zvakanaka izvi. Somuenzaniso, kana waunoshandira akapa 100% mutsara pa 3% yekutanga yebhadharo, uye iwe unowana $ 50,000 pagore, izvo zvinoreva pa $ 1 500 yekutanga iwe wakadzivisa kubva pahomwe yako uye ukaisa muhodhi yako yekusimwa, waunoshandira achakupa chipo imwezve $ 1,500 mumutero usingabhadhari uri iwe pachako. Kunyangwe kana iwe wose waunoita urikuisa pane chimwe chinhu chakafanana nehutano hunoshandiswa mari , ndiyo yakakwirira, yakachengeteka, yakakurumidza kudzoka iwe unogona kuwana kupi zvako mumusika wekutengesa. Kubva pasina mari yakaenzana patafura inenge nguva dzose iko kukanganisa kukuru.
Zvadaro, achifunga kuti akawira pasi pemubhadharo wemari yekukodzera kudiwa , mutyairi wedu angangodaro anoda kubhadhara Roth IRA kusvika kumiganhu yakawanda yemipiro inobvumirwa . Iko $ 5,500 kune mumwe munhu muduku kudarika makore makumi mashanu, uye $ 6 500 kune mumwe munhu mukuru kune makore makumi mashanu ($ 5,500 kubva mubhadharo + $ 1 000 yekukohwa-mupiro). Kana iwe wakaroora, kakawanda, iwe unogona kukwanisa kubhadhara Roth IRA yako pachako.
Mushure mekunge izvi zvapera, chirongwa chakanaka chekusimbisa mari chinogona kunge chinosanganisira kuvaka shanduko yemari yekuchengetedza kusanganisira yakawanda mari yekuchengetedza mari. Vazhinji varimi vasina ruzivo mune zvekuita vane kusaremekedzwa kwemari. Hazvirevi kuti uve wekutsvaga mari, sezvawakadzidza mukuchengetedza nekutsvaga . Ndosaka zvakakosha kuti iwe ushande kuti uwane mari yakakwana pamaoko usati wafunga kufunga nezvekuwedzera mari. Kuti uwane mamwe mashoko pamusoro pehuwandu hwaunofanira kunge uchiponesa, verenga Sei Ndinofanira Kuponesa Zvakawanda Zvakadini? Pamusoro penyaya inofanirwa, iwe unofanirawo kuverenga Iko Mari Yakadini Ndinofanira Kuchengetedza MuPodfolio Yangu? . Yeuka kuti mari haisi yega yezvigadziriswa, inogona kuderedza kusagadzikana uye, panguva yekuda kwekuda kwezvinhu, kupa zvibereko zvakanaka, zvakare.
Kana izvi zvapera, iwe unogona kutanga kutanga kushanda pakubhadhara chikwereti chako chose. Bhadhara kadhi rako rechikwereti chikwereti. Bvisa chikwereti chako chemari chikwereti chako. Kana iwe uchida kuva wakachengetedza zvikuru, kuripa chikwereti chako, zvakare. Hazvisi izvo zvisingafungi. MuUnited States, 1 kubva pavatatu vembavha haafaniri kubhadhara penny pamusoro peimba yavo.
Mushure mokunge izvi zvapera, iwe unoda kudzokera kune yako 401 (k) uye wobva wabhadhara zvakasara pane chikamu chakafananidza iwe watove wakabhadharwa uye chero zvipi zvacho zvishoma iwe unobvumirwa kushandiswa mugore iroro.
Pakupedzisira, iwe unotanga kuwedzera kuisa mari yezvekwereti kumabhengi ako ekubhadhara, zvichida kupinda muchikwata chekutenga zvakakwana , kuwana dzimba, nekubhadhara mamwe mikana.
Yakaita zvakarurama pamusoro pebasa rakareba, pamwe nekusima kwekugadzirisa kwakanyatsogadziriswa, zvinenge zvingangove zvemasvomhu hazvibviri kuti kurega kurega zvakanyanya kufanana kupfuura mushandi wenguva dzose. Icho chaingova chimiro chekuwedzera.
Vamwe Vatsva Vanotsvaga Vanogona Kuda Kufunga Kuwana Chekuita Kwemari, Asset Management Firm, kana Other Professional
Kana uchida rubatsiro, unogona kufunga nezvekuita zvinowanikwa nevashambadzi vakawanda uye kushanda nebhareji yekubhadhara mari , kubhadhara mari, kana mamwe mashizha. Kuwana chakanaka chako kunogona kunge chiri chekuedza uye kukanganisa asi ihwo hukama hwakakosha saka unoda kuhuwana. Zvinosuruvarisa, vashandi vakawanda havazoshandi nevatengesi vashomanana. Zvinonzwika zvisina kururama asi pane zvikonzero zvayo, izvo zvandinokwanisa kuzvionera kubva pane zvakaitika. (Gare gare gore rino, ini nomurume wangu tiri kutarisa pasi rose rekuchengetedzwa kwemahofisi.Ndakatsanangura zvishoma pamusoro payo mumushure mekunge-in-scenes Vazhinji vatsva vepari havazokwanisi kuva vateereri vedu kana vachida kuita saka nokuti isu tinoronga kuisa mari yedu shoma pa $ 500 000. Imwe, iyo yatinoshevedza Kennon-Green & Co., ichapa nhaurirano dzakachengetwa dzakachengetwa nevechitatu mubatsiri wevashandi.Tinoda kuronga, kuvaka, kuongorora, nekuchengetedza mapuritoriki kune vatengi uye kuronga pamusoro pekugadzirisa zvigadziriswa pane zvishomanana zvemasimba anopa kukosha kwekuita mari nekuda kwekutadza.Asi kunyange ndanga ndichiedza kutsvaga nzira yekuderedza zvishoma zvakarongwa kusvika $ 250,000, zvakaoma nokuti Zviri nyore kuti tibate nemari yakawanda yemari.Icho chikonzero ndechokuti hachisi kunze kwechido chekuisa pachena nekuda kwechikonzero chazvo sezvo ichi chirevo chebhizimisi che pragmatic.Tanga tichiongorora kutanga hurumende mutual fund pane imwe nguva mumakore anotevera a s nzira yekugadzirisa zvinhu zviduku zvinyorwa.)
Mamwe mapoka ekutungamirira masangano ave achiedza kuenda "kumusika", sezvainozivikanwa, kushanda nevatengi vane mari shoma se $ 50,000 muzvikwereti zvavo. Vashandi vatsva mundima iyi Vanguard, iyo yakakanda mucheriri mukuedza kukwikwidzana nemichina yakasarudzwa pakati pevapfumi, yakaderedza mari yavo shoma inotengeswa kusvika panguva ino (kubva pa $ 500 000 kare) uye yakasiya kubhadhara mazano kune 0,30% mari yekubhadhara uye mari yezvokutengeswa kwepamberi inowanikwa nevabereki. Chaizvoizvo, mutungamiri weVanguard, uyo, maererano nezvimwe zvinyorwa zvinongororwa nefoni paunodana nguva yokutanga, zvinokubatsira kuti uwane mari yekugoverwa uchishandisa teknolojia yekugadzirisa iyo inogadzirisa yakawanda yekusimudza kwakakura.
Charles Schwab ane basa rakawanda rinoshandiswa pamunhu muhutano hwakarongedzerwa hwakasarudzwa nehuwandu hwekutsvaga mari ye $ 100,000 uye mari inotanga pa 1.35%. Izvo zvinozviisa pakati pezvinodhura zvikuru mumabhizimisi pamutengo wekutengo iwoyo webasa rekushanda, kunyanya kana uchizvienzanisa nemakambani makuru emakambani ekufambisa nzvimbo. Kunyanya, saApril 30th, 2016, purogiramu yaro yekubhadhara yakaita seyotevera:
- Pasi pe $ 500,000: 1.35% 1
- $ 500,000- $ 1,000,000: 1.33%
- $ 1,000,001- $ 2,000,000: 1.30%
- $ 2,000,001- $ 5,000,000: 1.25%
- $ 5,000.001- $ 10,000,000: 1.10%
- Inopfuura $ 10,000,000: 1.05%
1. Imari inoshandiswa pamari inosanganisira mari yekuchengetedza uye kutengeswa kweSwab. Iyo haifaniri kuvhara (i) zvimwe zvikwereti kana zvikwereti zvakagadziriswa nevatatu, kusanganisira zvisingaenzaniswi zvakasiyana-siyana, mari yeAmerican Depositary Receipt, mari yekuchinjana, uye mitero yekuendesa inotarisirwa nemutemo; (ii) zvikwereti zvemashoko anokosha akasarudzwa newe, kusanganisira mari yekupa nguva, kushandiswa kwemari uye kushandiswa kwematare, mari yekubhadhara, uye mari yekugadzirisazve; (iii) mutengesi anofambisa uye anoona nezvekuchengetwa kwemari yakagadziriswa; uye (iv) kugadziriswa kwekutengeserana mune zvivimbiso kune vamwe vatengesi-vatengesi.
Mamwe mapikisi ave achiedza kune avo vanonzi Robo Advisors, izvo chaizvoizvo zvinongova automated software shanduko dzema1980 zvakare zvakare kuuya kuzotarisa kumisa misoro yavo yakaipa mune dhirume yakasiyana. (Kana iwe usingakwanise kutaura, ini handizi fanasi ini handingasimudzi mari yangu nenzira iyo.Ndingadai ndisina kuisa mari yemhuri yangu nenzira iyo.Ndingaisa mari yevamwe shamwari yangu nenzira iyo. usafunga kuti nhoroondo yakashandura uye kuisa upenyu hwako hwose kuchengetwa mukuvimba kwepurogiramu yeprogram, kana kuti kunyanya, mitsara shomanana yekhodi inondirova sezvinonyangadza benzi maererano nezvinobatsira.Nokuti nekuda kwechido, ndaiva mufananidzo wekufananidzira wakavakwa neimwe yezvinyorwa zvepamusoro zvepodfolio mapuratifomu uye yakadzoka ichirumbidza hukuru hwekugoverwa kwevanoshandiswa kune dzimwe nyika dzehurumende dzehurumende dzisingatauri zvisina kukodzera kuburikidza neinoti "yakachengeteka" ETFs. kubatanidzwa mune chimwe chinhu chakadai asi kune kutaura kwekare pamusoro pemapenzi nemari yavo.Vanhu vanodzinga zvinhu zvoupenzi nguva dzose.hupenyu hwevanhu hahuchinje.)
Dzidza Zvakawanda Pamusoro Pokuti Ungatanga Sei Kutenga
Kuti ikubatsire kutanga pane rwendo rwako rwekutsvaga, apa pane zvimwe zvandaisunganidza pamwe chete:
- Mufambiro Wese Wekutanga wekutsvaga muStock
- Inyoyo Mutsva Wekutsvaga Kwekutsvaga Muzvikwereti
- Mutungamiri Wekutanga wekutanga wekutsvaga mu Mutual Funds
- Mutungamiri weMutangi wekutsvaga mu Real Estate
- Nyoyo Mutsva Wekutsvaga Kwekugadzira Pfuma
- Mutungamiri weMutangisi weGwaro rekugovera nekugoverwa kwekutsvaga
- A 10-Chikamu Chekutungamira Pakutsvaga Mari
Mukuwedzera, kune zvinyorwa zvinopfuura 1 000 zvandinenge ndiri paIndaneti yeInvesting for Beginners uyewo zviuru zvezviuru pabhandi rangu rega rinotarisana nezvinhu zvose kubva mundane kusvika kune esoteric. Kana iwe uri kutsvaga chimwe chinhu, maitiro acho akanaka kuti ndakazvifukidza pane imwe nguva, pane imwe nzvimbo. Iwe unogona kunditumirawo mharidzo mune chikamu chemashoko chebhuku rangu uye pane mukana wandinoona uye ndinokwanisa kupindura. Panguva ino, rombo rakanaka! Kutanga rwendo rwako rwekutsvaga ndeimwe yezvinhu zvinonakidza zvaunogona kuita.