Sei chikwata chekugadzirisa chikwereti chichida kuva nemashamba maviri uye zvisungo?
Zvichitaura zvishoma, vamwe vatyairi havadi kutarisana nekusarudza kubva kune zvakasiyana-siyana zvekubatana mari. Vanoda chisarudzo chimwe chete, chakakomberedza chose chavanokwanisa kutenga nguva dzose, chinopa mukana wakanaka pakudzoka kwakanaka pamari yavo , uye zvinowanzoita kuti usanyanya kushaya simba apo nyika inoparadzana, kunyange zvazvo izvi zvinoreva kuderera zvakanyanya patinenge tiri mune misika yemombe . Sangano rakachengetedzwa zvakanaka, rakakosha rine mukana wakanakisisa pakuzadzisa zvinangwa izvi nokuti zvisungo zvinowanzoita kuti kukoshesa kwavo kuve nani apo matengo emotokari anowira. Misika yemabhizimisi inowanzogadzirirwa nzvimbo dzakaderera dzezvibereko pamabatanidzwa, zvichibereka zvikwereti zvekugoverana zviri kukwikwidzana nekambani yehutano huripo .
Ngwarira Kutarisa Mutengo Wose Mutual Fund Expense Ratio
Imwe yezvinotyisa zvikuru zvekutsvaga mari mune mari yakaenzana ndiyo inogona kuti mari yehurumende yekubhadhara mari , iyo ndiyo mari inobhadharwa nehurumende yekutengeserana kune mutual fund shareholders, ingave yakakwirira kudarika kana iwe waizotenga mari mbiri dzakasiyana , imwe inokwana (stock) fund uye imwe yekusagadzikana (bond) fund.
Izvi zvingasakuvhiringidza kana iwe uchifunga kuti iri mari isingakanganisi - shure kwezvose, iwe unongotarisana nemari imwe chete, iyo inofanirwa nayo. Icho chinhu, zvisinei, icho chinofanirwa kuonekwa.
Sezvo mutemo wehurumende, yose-inosanganisira, vatengesi vanofanira kuedza kubhadhara mari shoma pasi pe150% pagore mumari yekufambisa, mari, nezvimwe zvikwereti pavanenge nenyaya yakagadzirirwa yega inotevera nzira imwechete yakarongeka (chimwe chinhu chakanaka chete zvinogona kuita).
Panguva iyi, vatengesi vanofanira kuedza kubhadhara pakati pe125% ne150% apo vanoita mari kuburikidza nekutengeserana kwepaguru, mari yakarongeka yakaenzana, iyo inogona kuuya nemitemo yakawandisa yematero uye matanho ematambudziko kana iwe usingachenjeri.
Semuenzaniso, Vanguard Balanced Index Fund Investor Shares (ticker chiratidzo VBINX), iyo inochengetedza 60% yemari muAmerica mashizha uye 40% muhutano hweUnited States, ine mubhadharo wezvinodhura we225% chete gore negore asi inewo yakawanda yakaiswa muhomwe , zvinoreva kuti zvingave zvoupenzi kuzvitenga mukambani inotengesa kubhadhara . Mune misha yemitero yakadai saRoth IRA , mari yakadaro yakaratidza kuva hutsva hwakanaka pakati penguva dzakadai sa2000 na2012 apo yakaparadzanisa Dow Jones Industrial Average sehutano hwehutano, huchiita sekuchengetedzwa kwekuchengetedza mushure mokuputsika kwemusika wekutengesa kwakabatana ne kuputika kwe dot-com bubble.
Kunzwisisa Nzwisisiro Yenjere Inoshandiswa Pakutengesa Mutual Funds
Ruramisiro yezvinyorwa yekugadzirisa chikwereti chinodarika zvinopfuura kungwarira mutual funds. Kubudirira kukuru kwemaitiro akaenzana ndezvepfungwa, yakadzika mukuranga kunonzi sehupfumi hwehupfumi. Ita mumashoko ayo ezvinyorwa, vatengesi havasati vava nekutya uye vanoita chimwe chinhu chisina maturo kana chikwereti chavo chinowedzera kubata kukosha kwayo.
Sekusafunga sezvakangoita, vashandi vakawanda vangasarudza kudzoka zvishoma kudarika kwakasvika munguva dzakatsvaira kupfuura kudzoka kwepamusoro kwakasvika nematonho makuru uye kuwedzera kwekukosha. Kugamuchira chokwadi ichi pamusoro pehupenyu hwevanhu kunogona kubata chikonzero chekurara zvakanaka kweusiku uye hupfumi hunobudirira.