Iko mari shoma inodhura zvinoreva zvakawanda kwauri.
- Mari yebhadharo inobhadhara mari yekutenga 1.10 madhora 1.10% pagore yezvinhu zvose zvaunazvo muhomwe.
- Mari yebhadharo ine uwandu hwemari yema .20 mhosva .20% kana 1/5 ye1% yemari yawakapa.
Dzimwe nguva iwe uchanzwa zvinodhura zvinorehwa zvinotaurwa maererano ne "nheyo dzepamusoro". Nheyo yepamusoro inokwana .01%. Mari inobhadhara 30 nheyo dzemitemo inoshandiswa .30% kana iri pasi pe1 / 3rd peresti pagore. Mari inoshandiswa haisati yakabviswa kubva kuakaunti yako kana kutyara. Pane kudaro, dzinodonhedzwa kubva kuzvinhu zvose zvehutano husati wawana mugove wako. Izvi zvinoreva kana zvikwereti zvakapiwa nehomwe yacho zvakabhadhara kudzoka kwakakwana kwe10%, uye mari yacho ine chiyero chemari ye1%, kudzoka kwako, mari yemari, 9%.
The Average Expense Ratio
Maererano neCommunity fund inotsvakurudza nyanzvi inonzi Morningstar, muna 2015 mavhareji eUnited equity fund akabhadharwa .58% , inowanikwa pasi rose inowanikwa mari .77 %%, uye mamwe mari akatengesa 1.31% pagore pahuwandu.
Mari dzinenge dziine makambani maduku uye kudyara kwepasi pose kuchava nemari yakawanda yakadhura kupfuura mari ine makambani makuru eUnited States. Izvi zvinotora humwe hutano uye tsvakurudzo yekutsvakurudza uye kutengeserana mune zviduku zviduku uye kutengeswa kwemari kune dzimwe nyika.
Kana uchifananidza zviyero zvemari, zvakakosha kuve nechokwadi kuti uri kuenzanisa mari ine mhando dzakasiyana dzemari. Zvingava zvisina kunaka kuenzanisa chiyero chekutengesa kune mari inotanga kushambadzira mari kune iyo ye US fund guru fund. Zvingava zvakanaka kuenzanisa chiyero chekutengesa kweimwe mari inotanga kushambadzira mari kune iyo imwe inotengeswa mari yemari.
Kwamungawana Mutengo Wenyu Wekuda Mari
Pane nzira dzakawanda dzaunogona kuwana muhomwe yebhadharo yevamwe mutual fund:
- Iwe unogona kutsvaga ruzivo pamusoro pechikwata neikiti chayo chekiti (chinyorwa chetsamba shanu). Semuenzaniso, Vanguard ya500 Index Investor fund ine chiratidzo chekiti cheVFINX. Pandinonyora iyo muIndaneti, chinhu chekutanga chakaratidzwa chaive cheGoogle Finance. Paunotarisa kuburikidza nemashoko akapiwa iwe uchaona chikamu chinonzi "key statistics," iyo inoratidza kuti mari yehutengo ndeye17%
- Iwe unogona nguva dzose kutarisa chikamu chemari yekubhadhara mari iri muchikwata chemufambisi . Inotumirwa kwauri gore rega rega, kunyange mune dzimwe nguva ikozvino inogona kuendeswa kwauri kwekombiyuta. Iwe unogona kutora chikwereti cheko mari kubva pawe mutual fund web site. Tarisa mutafura yezviri mukati pane chikamu chinonzi "Mari uye Matengo," uye ichakutaurira chikwereti chemari yehomwe yako.
Sei Uchidhura Maitiro Akakosha?
Mari inoshandiswa inobatsira yekuderedza kudzokera pane iwe wekutsvaga. Iwe unofanirwa kutarisa kubhadhara kwekutsvaga kwekutsvaga kwekwereti yemari yemari uye mitero kuti uite kuenzanisa kwakanaka
Mari imwe neimwe inobatanidzwa ichave nechinangwa chekutsvaga mari uye inogona kutevera kushanda kana kushingaira kwemazano ekutsvaga mari.
Mari yakashanda inopedza mari pakutsvakurudza uye kutengeserana kuedza kusarudza zvakanakisisa zvekutsvaga mari mukati meboka ravanotarisa, uye nekuda kwebasa rakawedzerwa rinobatanidzwa, vane mari yakakwirira. Mari yakasarudzwa inosarudzwa kusarudzwa kwezviwanikwa uye ine mari shoma shoma. Zvidzidzo zvinoratidza kuti mushure mokuverenga mari nemitero, kazhinji pane mari isingasviki nemari shoma inopfuura yekushandiswa kwemari nemari yakakwirira.
Vasingazivi, varimi vakawanda vanobhadhara zvakawanda nokuda kwekutsvaga kwavo. Kuteerera kubhadharo yemari yekutsvaga kunogona kuwedzera mararamiro ako munguva. Semuenzaniso, kana iwe ukwanisa kuwana zvikwereti zvakafanana zvemari nemari inoshandiswa mari yaive yakangwara .50% kudarika zvauriripo iye zvino, pa $ 100,000 inoponesa $ 500 pagore. Kwemakore gumi, izvo zvinowedzera kusvika ku $ 5,000 zvekuchengetwa.