Investment Strategies to Outpace Rising Costs
Ichokwadi, iwe unogona kunge uchingorasikirwa nekutengesa kwezvinhu kunyange iwe ukachengetedza mari yako mubhengi rebhangi kana Chiremba cheDhipatimendi (CD).
Semuenzaniso, mavhareji ematongerwo ematongerwo ematongerwo emitengo inokwana 3.40%. Ngatiti uri kunzwa uine mari uye unoisa mari yako yakaoma yakawanikwa mune CD, uchiwana 2.00%, pamabhandi emunharaunda. Kuita mamwe mashoma anokurumidza, iwe unogona kuverenga musiyano (3.40 - 2.00 = 1.40) uye ona kuti iwe uchiri kurasikirwa nekutengesa kwezvinhu ne 1.40%.
Izvi hazvikwanisi kunyange pamigumisiro yemitero paunenge uchichengetedza, iyo inogona kuderedza yako chaiyo yezinga rekufarira (mushure mekuwedzera kwekutengesa nemitero) kusvika ne10,10%, zvichifungidzira huwandu hwehurumende huwandu hwehuwandu hwe25%. Nokudaro, mukuderera kwechikwereti chekugara, iwe unogona kuchengetedza mari muCD asi uchiri kukoshesa nekuda kwekutengesa kwemitero nemitero - uri kuita zvandinonzi "kurasikirwa nemari zvakachengeteka." Nzira yakanakisisa yokuti vanhu vakawanda varove kutengesa kwezvinhu - kuti vabudirire kudzoka vachienzanisa zvinodarika 3.40% - ndeyekutsvaga mune kumwe kusanganiswa kwezvikwata uye zvehutano pamwe chete.
Dzidza sei Kuvaka Chikamu cheMutual Funds
Kuvaka chikamu chemari pamwe chete kwakafanana nekuvaka imba: Kune marudzi akasiyana-siyana emagadzirirwo, zvirongwa, zvishandiso uye zvinhu zvokuvaka; asi chimiro chega chega chinowedzera zvimwe zvinhu zvinokosha.
Kuvaka purogiramu yakanakisisa yemari yemari inofanirwa kuenderera mberi kune mazano ekuchenjera, "Usaisa mazai ako ose muhomwe imwechete:" Chimiro chinogona kumira nguva yekutsvaga chinoda kugadzirwa kwemazano, nheyo yakasimba uye kushamwaridzana nyore yemari pamwe chete inoshanda zvakanaka nekuda kwezvaunoda.
Kunzwisisa zvinyorwa zveDissification ne Mutual Funds
Diversification pamwe chete nemari ndeyekungopfuura kuisa mazai ako muzvimedu zvakasiyana. Vazhinji vatengesi vanoita kukanganisa kwekufunga kuti kuparadzira mari pakati pezvikamu zvakasiyana-siyana zvemari zvinoreva kuti vane zvakakwana zvakasiyana-siyana. Zvisinei, zvakasiyana hazvirevi zvakasiyana. Iva nechokwadi kuti iwe unotarisana nemhando dzakasiyana dzemari pamwe chete .
Shandisa Kukura Stock Funds
Sezvo zita racho rinoreva, kuwedzera mari yemari pamwe chete inowanzoita zvakanakisisa mumatanho akakura, zvakadai sekuperera kwemazuva, emusika wekutengeswa apo hupfumi huri kukura nehutano hwakanaka. Kukura kwezvirongwa kunoratidza kuti zvikwata zvipi, vatengi, uye vatyairi vose vari kuita panguva imwechete mune hupfumi hwehutano - kuwana zvakanyanya kuwedzerwa zvido zvekukura mune ramangwana uye kushandisa mari yakawanda kuti iite.
Shandisa kunze kweStock Funds
Apo kuwedzera kwepamukira kunowedzera, kukosha kwedhora reUnited States kunogona kuwira. Saka mari yekushambadzira mari inogona kuita sekudzivirira kamwe chete semari inotengeswa mune mari dzedzimwe nyika inoshandurwa mune mamwe madhora kumba.
Bond Best Bank Fund Types For Rising Interest Rates and Inflation
Mari yeBond inogona kurasikirwa nehuwandu mumamiriro ekuderedza kwezvinhu nokuti mari yekutengeserana inofambidzana nenzira dzakasiyana sezvibereko zvezvibereko, izvo zvinokwira pamwe chete nemafashamo.
Kunyange zvakadaro, muzvinyiriri akachenjera acharamba achingosiyana nemari yezvisungo uye, naizvozvo, achawana mari yakanakisisa yebhadharo yekusimudzira zvikwereti:
- Bhizimisi Bhizimisi Zvishoma: Kukwidzwa kwezvikwereti zvinokonzerwa nemitengo inoita kuti mitengo yezvisungo iende asi asi nguva yakakura, iyo inowedzera mitengo inowira. Nokudaro, maturities maduku achaita zviri nani mukukwira kwechido chekugara.
- Pakati pepakati-bhizimisi Bonds: Kunyange zvazvo maturities ari mazhinji nemari iyi, hapana mutengesi anonyatsoziva kuti chido chekuda uye kutengesa kwenyika kuchaita sei. Semuenzaniso, kunyange vatungamiri vemari vemari vaifungidzira kuti kutengesa kwezvinhu zvingadzoka mugore ra2011, izvo zvinouya nepamusoro pemari yekutora uye kuita bhizimisi kwenguva refu zvinokwezva. Vakanga vasina kukanganisa uye mari yevamiririri vakarasikirwa nekunyorera mari.
- Iko Kunotengeswa Kwemabhadharo: Inozivikanwa seMarivha yeZvivigiro-Kudzivirirwa Kuchengetedzwa (MAZANO) , idzi mari yezvisungo inogona kuita zvakanaka kare uye munguva yezvakakonzera zvoupfumi, iyo inowanzoenderana nekuwedzera kwezvibereko uye hupfumi huri kuwedzera.
Funga nezve "Kutarisa" Nzira yeZvivheti zveDhipatimendi (CD)
Kana zvikwereti zvinowedzera, vatengesi vanoda kuti kuchengetedzwa kwemaCD kuve nekutarisa kumatanho ekutarisa, izvo zvinoreva kuti CD idzva dzine nguva shoma dzokudzikinura, dzakadai segore rimwe kana kuti zviduku, uye dzinotengwa nguva nenguva, dzakadai kamwe chete pamwedzi kana kamwe kamwe mwedzi mishoma , kutora mazinga akakwirira sezvavanomuka. Iko pfungwa ndeyekukwira makanho ekufananidzira achikura zvishoma nezvishoma. Pashure pemwedzi inoverengeka, CD yako itsva inogona kuwana yakareba. Kana chido chekufarira chichiita sechigadzirisa, unogona kufunga kuvhara mumatunhu akakwirira kwenguva refu.