Kuunganidza: Kwete Kuwedzera, Hapana Kuenzanisa Kwekudzoka Njodzi
Ngatiti iwe wakapa mari $ 100 000 muna 1996, muS & P 500 Index.
Pasi apa index inodzoka.
- 1996 23.10%
- 1997 33.40%
- 1998 28.60%
- 1999 21.0%
- 2000 -9.10%
- 2001 -11.90%
- 2002 -22.10%
- 2003 28.70%
- 2004 10.90%
- 2005 4.90%
Yako $ 100 000 yakakura kusvika $ 238,673. Kusaipa. Mari yako ye $ 100,000 inowanikwa zvinopfuura 9% annualized mutengo wekudzoka. Iye zvino fungidzira kuti maitirwo akaratidzwa pamusoro apa akaitika mune zvakasiyana (sezvinoratidzwa pasi apa munyaya ino) ... iwe wakaguma nemari yakafanana yemari: $ 238,673. Urongwa huripo hunodzoka hunova nemigumisiro pamigumisiro yako kana iwe usingave uchiisa mari nguva dzose (kutenga mari) kana kubvisa nguva dzose (kutengesa zvikwereti).
Kubvisa Mari uye Kuwana Zvakadzoka Zvimwe
Iye zvino fungidzira, panzvimbo yemamiriro ekutanga iwe wakasiya basa muna 1996. Iwe wakapa mari $ 100 000 muS & P 500 Index, uye iwe wakasiya $ 6,000 pakupera kwegore negore. Kwemakore gumi, iwe wakagamuchira $ 60,000 yemari uye iwe une $ 162,548 yemukuru wekweseri. Wedzera izvozvo zviviri uye iwe uwane $ 222,548.
Zvakare, iwe wakagamuchira chikamu che9% chekudzoka.
Kudzoka Kunowanikwa Mukusarudzwa Kuto
Iye zvino funga kuti iwe wakasiya basa muna 1996, iwe unotora mari imwe chete ye $ 100,000 uye unodhonza 6 000 imwe chete pagore - asi mitsara yakanyorwa pamusoro apa yakaitika mune zvakatarisana zvakatarisana, sezvinoratidzwa pasi apa.
- 1996 4.90%
- 1997 10.90%
- 1998 28.70%
- 1999 -22.1%
- 2000 -11.90%
- 2001 -9.10%
- 2002 21.0 %%
- 2003 28.60%
- 2004 33.4 %%
- 2005 23.10%
(Yakawedzerwa inodzorera dhesi inowanika mumakorikori emakakatengesheni emakore .
Kana iwe uchinge uchitora mari iyo shanduko muhutano iyo yakadzoka yakaitika yakakubata iwe. Iye zvino pamagumo emakore gumi, iwe wakagamuchira madhora makumi matanhatu emakumi maviri emadhora uye une $ 125,691 yakasara. Wedzera izvi pamwe chete uye iwe uwane $ 185,691. Izvi zvinokwana kusvika pa7,80% muzana yekudzoka. Kwete zvakaipa, asi kwete zvakanaka se $ 222,548 ungadai wakagamuchira kana kudzoka kwaitika kune imwe nzira yakapoteredza.
Munguva yemakore ekurega basa, kana huwandu hwakanyanya hwekudzokera hunoitika mumakore ekutanga ekurega kwako, huchava nemigumisiro inogara nokusingaperi uye kuderedza huwandu hwekuwana iwe unogona kubvisa nguva yako yeupenyu. Izvi zvinonzi kusangana kwekudzoka kune ngozi.
Paunenge wapedza basa, nokuti unoda kutengesa mari yako nguva nenguva kuti ubatsire kudiwa kwemari yako, kana kusadzoka kusina kuitika kutanga, unopedzisira uchitengesa zvimwe zvigaro, uye nokudaro uchideredza zvikamu zvaunazvo zvinowanikwa kuti zvivepo pane zvinozoitika-zvinoitika zvakanaka kudzoka.
Kuenzanisa Risk Icho Chimwe SaDhora Chinodhura Kuchinja muReverse
Chiyero chekudzoka pangozi ndechimwe chinopesana nedhora rinodhura kuwandisa .
Ne dollar inodhura kuti iwe unotora mari nguva dzose uye kutenga mamwe mashomanana apo zvikwereti zviri pasi (pane izvo zviitiko kusarudzo kwakaipa kwekudzoka kutanga pamabasa kunobatsira iwe apo iwe unotenga mamwe maitiro). Asi kana uri kutora mari, uri kutengesa nguva dzose, kwete kutenga. Iwe unofanirwa kuva nechirongwa munzvimbo kuti uone kuti hauna kukamanikidzwa kutengesa zvikwereti zvizhinji kana zvikwereti zviri pasi.
Kudziviririra Kubva pakuenzanisa Ngozi
Nemhaka yehutano hwehuwandu hunobata purogiramu yakajeka yekudzoka muInternet retirement planning tool haisi nzira inobatsira yekuronga kubhadhara. Iko inoshandiswa paIndaneti inofunga kuti iwe unowana kubhadhara kumwe chete gore negore. A portfolio haishande nenzira iyo. Iwe unogona kuisa iyo chaiyo nenzira imwechete uye munguva yemakore makumi maviri emakore iwe unogona kuwana 10% pamwe nekudzoka, uye mune imwe yakasiyana yemakumi maviri emakore nguva iwe waizowana 4% inodzoka.
Avhareji inodzoka haishande pamwe. Hafu yenguva inodzoka ichava pasi pevhareji. Iwe unoda chirongwa chekurega basa chinongoshanda hafu yenguva yacho here? Chinhu chakanaka pane kushandiswa kwemashoko ndekushandisa kudzoka kwakaderera mukugadzirira kwako; chimwe chinhu chinoratidzira mamwe emakore akaipisisa munguva yakapfuura. Nenzira iyo kana iwe ukawana kuipa kwakaenzana (hupfumi hwehupfumi) iwe wagadzirira kare.
Kuva nehutano hwekurima huripo munzvimbo kunogonawo kubatsira kugadzirisa dambudziko rekuenzanisa. Kubhadharwa Kwemari Mitemo Yekuumba Kurasikirwa Mari Inopa mirayiridzo mitanhatu yaunogona kushandisa kuti ubatsire kugadzirisa kubuda kwako sezvaunenge uchienda. Imwe nzira ndeyekuti kushandisa mari inopa mari yakawanikwa. Nzira 7 Dzakagadzira Goro reZvimbiso Yokurasikirwa Mari Inokupa mamwe mazano ekutaura nayo izvi.
Iwe unogonawo kugadzira chikwereti chechikwama chikwereti kuitira kuti gore roga roga bhandi rinokura kuti usangane nemari yako inoshandiswa mumari (iwe unogona kuvhara makore ekutanga mashanu kusvika kune gumi ekukwira kwemari inodikanwa). Nenzira iyi, mamwe mahofisi ako ega anogona kunge ari muhutano uye ichi chikamu chikamu chiri muchiripo chiri muchikamu chekuunganidza - iwe unogona kusarudza kukohwa kubva kune iyo kutenga mamwe matanho mumakore panguva kana mushure mokutengesera kwemashamba emabhiza.
Chinhu chakanakisisa chaungaita ndechokuti zvose zvisarudzo zvinosanganisira kubhadhara pakati pengozi uye kudzoka. Ita chirongwa chemari yekubvisa mari , tevera nguva-yakarongedzwa nzira yakarangwa, uye uronga pane zvimwe zvinogadziriswa.