Nzira dzinowedzera vatengesi vanogona kuenzanisa maitiro avo nemari yavo
Kushandiswa kwekutsvaga - kuisa mari inowirirana nemafungiro ako - inowanzofungidzirwa sechikonzero chevapfumi zvikuru. Icho chidikanwi hachisi ichocho. Kana iwe uine zvikwereti, iyo mari ine kuchinja. Mubvunzo ndewokuti, ichokwadi here kana chakaipa? Mari yako chii? Mari yako inofananidzwa nemitemo yako here kana kushanda navo?
Iwe haufaniri kuva pakati pevapfumi vepfuma kuti ushandise kushandisa mari yako nekunyatsoziva kuti uwane mari yekudzoka uye unhu hwakanaka hwemagariro evanhu kana hwekugara kwezvakatipoteredza.
Munharaunda yemari yemari, vatengesi vanowedzera kufarira mune zvemagariro evanhu uye nezvezvakatipoteredza zvezvisarudzo zvemari yavo.
Sangano rezvematongerwe enyika rinoshandiswa kwekutsvaga mari muAmerica rakakura 76 muzana pamakore maviri akapfuura, iri $ 6.57 trillion sector pakutanga kwe 2014, maererano ne US SIF foundation. Mushumo weSIF wakatarisa zvinhu zvose zvinowira pasi pe "sarudzo, yakagadzikana uye inowedzera kuisa" -chikamu icho zvino chinomiririra imwe chete pamadhora matanhatu ese pasi pehutungamiri hwehutungamiri muUnited States
Mireniyadhi nevakadzi vari kunyanya kuda kutora mari yekuita.
45 muzana yezviuru zvemakore vane mararamiro vanoda kushandisa pfuma yavo kubatsira vamwe uye inenge hafu yeGen X neGen Y vashandi "vanogona kunge" kana "zvichida" kuti vaite zvikwereti zvinotarisirwa nevamwe.
Pax World Investments yakabudisa tsvakurudzo inoratidza kuti mumakore makumi mana apfuura, kubatanidzwa kwevakadzi muhupfumi hwepasi rose kwakagadzira zvinopfuura $ 3.5 trillion.
Pakazosvika 2030, zvinoratidzwa kuti vakadzi vachabata chikamu chetatu chepfuma yeAmerica. Izvi zvinosvitsa zvakanaka nekuda kwekutsvaga mari nokuti 53 muzana yevakadzi vane ruzivo vanofarira zvikwereti zvinokonzerwa nezvakatipoteredza zvichienzaniswa ne 33% chete yevarume, 47 muzana vanoda kuisa mari mune zvehupfumi hwevanhu, uye vanofananidza ne 33% yevarume.
Sezvo vakadzi uye vane zviuru zvemakore vachidzora hupfumi hwakawanda, kuda kwekutsvaga kwekutsvaga mari kuchakura. Kunyange zvazvo zvisarudzo zviri kuwedzera, mari zhinji dzichiripo chete kune vapfumi uye mapurogiramu akawanda evanhu vanogadzirisa mafambiro vanhu vakapfuma, masangano kana nheyo.
Izvi zvinokusiya kupi kana iwe usina mamiriyoni akawanda akaomeswa nechisimba zvokuti haufaniri
kuwana mari inodzoka kana kuti hauna kukwanisa kuwana zvikwereti zvakanyanya-zvishoma? Funga nezvekutsvaga kwako pamwe chete nekuenderera mberi.
The Continuum of Values Based Based Investment
- Usava Nengozi. Chimbofunga: une mari mumakambani nemabhizimisi maitiro hamuna kubvumirana here? Chengetedza zvikwereti zvinoita zvinhu zvausingawirirani nazvo. Zvimwe zvezvakanyanya kunaka zvakasvibirira zviputa fodya kana kubhejera uye, munguva pfupi yapfuura, fossil fuels.
- Ita Zvakanaka. Kuchengeta muzvikwereti zvinoita zvinhu zvakanaka. Izvi zvinogona kusanganisira tsika dzakanaka dzezvakatipoteredza, kana kusiyana kwakasiyana mukati me sangano. Iwe unogona kufunga nezvekuisa mari muB Corporations - iyo yose inosangana zvakazara zvehutano uye yezvakatipoteredza mitemo.
- Ita maererano nemitemo yako pachako. Pano uwandu, hupfumi hunowana humwe humwe hunoenderana nemitemo yako uye inogona kunge yakanyatsogadziriswa kupfuura yakawanda "ita zvakanaka" zvakanyorwa pamusoro apa. Unowedzera unogona kuwana zvakakonzerwa mari pamwe chete uye hupfumi hwehupfumi (kunyange hupfumi huzhinji huri nehupamhi huri nani). Iwe unogona kutsvaga zvakasiyana-siyana zvemakambani ekusimbisa masimba neImpactAssets50.
Bhuku MaBhuku: Mabhengi mashoma matsva akadai seNew Resource Bank, Beneficial State Bank uye First Green Bank yakagadzirirwa kukwezva kune vatengi vanoita zvevanhu. Kunyanya nekuuya kwebhengi rekuInternet, kuswedera pedyo uye nhamba yenzvimbo dzemuviri zvingasava chekutengesa kana uchifunga nezvebhengi rekushandisa.
Mutual Funds : Mari zhinji pamwe chete inotarisa pfungwa kana kuongorora mazano emitemo. Mimwe mari yekubhadhara mhuri inopa zvikwereti zvekutsvaga mazano-based based Calvert, PAX, Parnassus, uye Domini. US SIF ibasa guru rekudzidza zvakawanda pamusoro pemigumisiro kana hutano hwemagariro ehurumende.
401k Zvirongwa: Social K isango re 401k rine sarudzo dzekutsvaga mari. Uye iwe unogona kukumbira mushandirwi wako kuti awedzere mamwe masarudzo akazvimirira mune zvekuita mune 401k yako. RLP Wealth Advisors inonyanya kukosha mukana wekupa rutsigiro rwekutevedzera 401k kutsigirwa pakushandisa makambani (uye apo Cary Krosinsky anochera peji ino nezve About.com akave mutariri).
Community Investment Notes: Makira akaita seCalvert uye nheyo dzemunharaunda dzemunharaunda dzinopa zvikwereti zvekutsvaga nehutano hwakasiyana-siyana uye mikana yekutora chikamu mumapuritoriti akachengetedzwa zvakagadzirirwa pakuumba mabasa, kuvaka imba dzinodhura, kuchengetedza mamiriro ezvinhu, nekugadzira zvimwe zvinetso zvevanhu.
Nhepfenyuro Impact Investments - Kusvikira munguva pfupi ichangopfuura, huwandu hwemadhora ($ 250K kana $ 500K) uye kudiwa kwekubvumirwa kwakaita zvikwereti zvakakosha zvemari zvakagadzirirwa zvakakwana kune vashandi vane pfuma kana masangano. Izvozvo zviri kuchinja. Chengetedzo dzepachivande uye dzevanhu vane zviduku zvishoma zvinogona kuita kuti uswedere kune dzimwe nyaya dzingakosha kwauri. ImpactAssets 'nokukurumidza-to-be-launched-microfinance uye inochengetedza zvekurima chikwereti chikwereti chiyeuchidzo ndeimwe muenzaniso wemikana yekubuda yakagadzirirwa kuwedzera kukwanisa kwekutsvaga mari
Impact Kuisa kune imwe lensi yekuongorora mari yekutsvaga - inogona kuva chinyorwa chakanaka kana kuti chairo chaiyo. Funga nezvekugadzirisa mafambiro senzira yekugadzirisa zvinangwa zvako zvekutsvaga-sekufanana kwemazuva ekugadzirisa uye mafairo ekugoverwa-kwete kuvasimudza.
Vatariri vezvemari vanogona kuva mudziyo; vamwe vari kuvaka miitiro yakapoteredza mazano-based investment. Zvose zvinofanira kufungisisa zvido zvako zvekutsvaga uye zvido zvako.
Nhanho inonyanya kukosha ndeyokutanga kutarisa kuti mari yako inowanikwa sei uye kuti mari yako iri kuitei munyika. Kwamunoda, unogona kutora matanho ekugadzirisa zvakanyanya nemari yako. Sezvo kushandiswa kwekutsvaga kwekutsvaga kwekutsvaga kunowedzera zvakanyanya, pane mikana mitsva uye inobuda yekushandisa yako pfuma kuitira kuti uwane hutano hwakanaka hwehupenyu uye hwekugara kwehupenyu, zvose zvese zvichiita zvekubhadhara mari.