Imwe 10 Yakanakisisa Yakaparadzaniswa Mari dzeViwani Vose

Mari yekuparadzanisa inogona kushandiswa nokuchenjera chero nguva muhupenyu hwemari. Ichokwadi, vazhinji vashandi vekutsinhanisa vanopa mazano kuti mari yakanakisisa yekutenga ndiyo iyo inotengeswa mumatokari anobhadhara zvikamu.

Kunyange zvazvo vatengesi vari kutsvaga mari inoparadzaniswa kazhinji vanotsvaka zvibereko zvepamusoro, pane zvimwe zvikonzero zvingafunga nezvekuwana mari yakanakisisa.

Nokuda kwatakanyora mari yakanakisisa yemari, tinosanganisira chete kwete-mutoro wekubhadhara mari nemari shoma.

Kune vamwe vashandi, zvinogona kuuya kusishamisi kuti mari iyo inoita mapepa edu akaparadzaniswa pakati pemakambani ekubatana, Vanguard uye Fidelity .

Nei Tichifanira Kuisa Mukudhura Mari?

Vazhinji vatengesi vanotenga chikwereti chezvikwata kana mari yemugovera kuitira chinangwa chekugamuchira mari yakawanda yemari inowanikwa kubva kune chikamu chekugovera, iyo inowanzoitika nechechina. Izvi zvinokonzera mari inoparadzanisa kushandiswa kwakakodzera kune vashandi vekurasikirwa.

Zvisinei, vamwe varimi vanosarudza kudzorera zvikwereti, dzimwe nguva zvinonzi segoveranisi rekugadzirisa chirongwa, kana DRIP. Kana zvikwereti zvadzorerwa zvakare, zvikwereti zvinoshandiswa kutenga zvimwe zvikamu zvekutsvaga, pane kubhadhara kune wekusimbisa mari.

Vamwe varimi vanofarirawo kushandisa mari inobhadharwa inobhadhara zvikamu munzvimbo dzezvemari apo kusungirirana kwemari kusingatengi. Semuenzaniso, apo chido chekuderera chiri pasi asi mamiriro ehupfumi anowanzova akanaka, mari yezvisungo inogona kuva nezvibereko zvishoma kudarika kugoverana mutual funds.

10 Yakanakisisa Kugoverana Mari kune Wose Anopa Mari

Zvose zvezvikamu zveparadhiso kubva kuVanguard neFidelity zvakaderedzwa mari, pasina-mari yemari. Zvisinei, mari yacho ine michina yakasiyana-siyana, iyo imwe neimwe inogona kuva neyokuita kune varairi. Mune urongwa husina hanya, heino gumi yepamusoro-soro yemari inoshandiswa kumunhu anenge ari kupi zvake.

1. Vanguard International High Dividend Kuburitsa Index (VIHIX) ibasa rakachengetedzwa rinoshandiswa rinotevedzera FTSE AW kunze kweUnited States High Dividend Kuburitsa Index, iyo ine nhamba yakawandisa yakawanda ine mazana 800 emakambani epasi rose anotarisirwa kuti ave nemuganhu wepamusoro zvibereko. VIHIX inopa hurumende yakagadzirwa uye yakabuda kunze kweU.S. uye mari yefaira ndiyo yakakura-cap value. Izvo zvishoma zvishoma kutanga kushandiswa kwekutengesa VIHIX ndeye $ 3,000 uye chikamu chebhadharo chiri 0.42 muzana kana $ 42 ye $ 10 000 inotengeswa.
2. Vanguard High Dividend Index (VHDYX) yakakosha kune vashandi vanotsvaga mari yekuwana mari iye zvino nezvibereko zvakakura zvezvikwata. Ipapoti yacho inowanikwa nehombe-cap inokosha yezvikwata zvemakambani muUnited States inobhadhara zvikwereti zvakaenzana nekuenzaniswa nemakambani akadaro. Nhamba yebhadharo yeVHDYX inonyanya kuderera 0,1 kubva muzana kana $ 15 ye $ 10 000 inotengeswa, uye kushandiswa kwekutanga kutenga $ 3,000.
3. Vanguard Utilities Index (VUIAX) inotarisa pamatokari munharaunda yevashandi, iyo inonyanya kutsvakwa nemiganhu yayo yakakwirira. Nzvimbo idzi dzinosanganisira mabhizimusi makuru eAmerica emakambani anobatsira, akadai seDuke Energy Corporation (DUK) uye Southern Co (SO). Nhamba yebhadharo yeVUIAX inokwezva zvakanyanya 0.10 muzana kana $ 10 ye $ 10 000 inotengeswa. Zvisinei, cherechedza mupfungwa kuti iyi mutual fund inongowanikwa muVanguard Admiral chikoro chekugovana, iyo ine zvishoma zvishoma kutanga kutenga $ 100,000. Hapana hutengo hushoma hweTFF version yechikwama (ticker: VPU), iyo ine mukana wezvinodhura zvakafanana.

1. Vanguard High-Yield Corporate Fund (VWEHX) inotungamirirwa nesimba; saka, iwe haugoni kuwana ETF version yegwaro iri. Izvo zviitiko zvepamusoro-bhizimisi mari inobata zvidhinho zvehutano hwemari, iyo inozivikanwawo sezvisungo zvisingabhadharwi, asi mutungamiri wechikwama ichi anotsvaka zvikwereti zviri pahupamhi hwepamusoro hwehutengo hwechikwereti zvichienzaniswa nehuwandu hwehuwandu hwekubhadhara mari yechikwata. Saka iwe unogona kutaura kuti zvisungo zveVWEHX hazviiti se "junky" sevamwe mari isina kubhadhara mari-vatengesi vanogona kuwana muchero pasina mari yakawanda kana vachienzaniswa nedzimwe mari yakawanda. Nhamba yebhadharo yeVWEHX iri 0.23 muzana kana $ 23 ye $ 10 000 inotengeswa, uye kushandiswa kwekutengesa kwekutanga kune $ 3,000.
2. Vanguard High-Ipai Mutero-Wakaregererwa Mari (VWAHX) ihurumende inobatanidza iyo inogona kupa mari kana ichiita zvishoma pamutero. Nemhaka yokuti inobata chikamu chemari yehupfumi, mari inenge isingabhadharwi ku federal level. Vashandi vanobhadhara mari dzisingabhadharwi nemitero yakafanana neVWAHX vanowanzoita mari yepamusoro yevanhu vane makero ekubhadhara. Mariro yeVWAHX inongova 0.19 muzana kana $ 19 ye $ 10 000 inotengeswa, uye kushandiswa kwekutanga kunotenga $ 3,000.

1. Vanguard Real Estate Index (VGSIX) inzira yakanaka yevatengesi kuwana ruzivo rwekugara kwemaimba, iyo inozivikanwa nokuda kwekubhadharwa kwayo kweruzhinji uye chikamu chiri pakati pezvakanakisa kutenga mune izvi. Kunyange zvazvo kuwedzera kwezvibereko zvekudarika kunogona kuisa kumanikidzwa kwezvinoshandiswa pamakadzo ekudzorera zvivako zvekutsvaga kweimba, nzvimbo yakaderera-inharaunda inogona kugara ichikweretesa mari shoma kune vashandi vekumba nevatambi. Mariro yeVGSIX iri 0.26 muzana, kana $ 26 ye $ 10 000 inotengeswa.
2. Kutendeseka Equity Income (FEQIX) ihomba yakasimba inogadzira kushanda kwepamusoro asi pamusoro-yehuwandu hwezvibereko. Mari iyi inobata mari yakawanda yeU.S.-cap value stocks. Nhamba yebhadharo ye FEQIX yakaderera 0.67 muzana uye zvishoma zvishoma kutenga pakutanga $ 2,500.
3. Kuvimbika uye Equity Dividend Income (FEQTX) ndeyeimwe fidelity fund iyo inowanzoita kuti vezera ravo vaite basa asi ndeyechokwadi yekuita mari nemari. Iko yehuwandu hwemahofisi inenge inenge 90 kubva muzana yeUS inoshambadza uye 10 muzana yezvimwe zviwanikwa. Kuvapo kwepakati-cap-stocks, kuwedzera kune-big-caps, kunopa FEQTX chikamu chekutsamwa kukuru. Nhamba yebhadharo ye FEQTX yakaderera pa 0.72 muzana uye zvishoma zvishoma kutanga mari yekutenga iri $ 2,500.
4. Kuvimbika Strategic Dividend & Income (FSDIX) ndeimwe yezvakanakisa mari inowanikwa muFidelity lineup. Ipapoti yacho inowanikwa nechetatu-huru yepamusoro-soro yeUnited States yakawanda-mashizha uye zvasara zvebato zvakagoverwa kune dzimwe nyika, mabhandi, mari uye chekuchengetedzwa kwenyika. Nhamba yebhadharo yeFSDIX yakaderera pa 0.78 muzana uye zvishoma zvishoma kutenga kutanga $ 2,500.
5. Fidelity Capital & Income (FAGIX) iganda rakarongeka rinogona kupa ruzivo rwakasiyana-siyana nekubatanidza maitiro ekukura uye mari. IFAGIX chikwereti chinosvika makumi maviri kubva muzana pamatokisi, 70 muzana zvisungo, uye 10 muzana mari. Icho chikamu chekuenzanisa chikamu chikuru chekukura kweAlfabheti (GOOG), Skyworks (SWKS), neAlly Financial (ALLY) uye kusanganiswa kwekuwana mari inosanganisira zvikwereti zvakakura zvezvibereko. Mari inoshandiswa inenge 0.73 muzana.

Izvozvi ruzivo rwepaiti ino inopa mazano ekukurukurirana chete, uye haafaniri kusanganisirwa sekupa mazano ekutsvaga mari. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.