Inotora Njodzi Yekutsvaga Mari Kununura Kudzoka Kwepamusoro Here?

by Dana Anspach

Nyaya idzi yemarografia inoratidza kuti mari shoma dzekutsvaga mari inotarisana nehuwandu hwekutsvaga mari kune makore makumi matatu kubvira muna 1980 - Asi pane nguva shomanana, iyo haisi nguva dzose.

01 Kuenzanisa Nengozi Dzakasarudzwa Kuzvipinza KuHupuri Hwokukwirira

Pamusoro Penguva Yenguva Yakareba Kuwedzerwa Kwekutsvaga Nengozi Delieverd Kudzoka Kwakakwirira Dzai pamufananidzo uri pamusoro pamusoro pemufananidzo wakajeka, wakawedzerwa unoratidza kuti $ 100 inotengeswa makore makumi matatu yapfuura ingadai yakakura sei muzvikwereti nematambudziko akasiyana-siyana. Dana Anspach

Mutsetse wega wega uri pamusoro pegrafu kumusoro unoratidza iwe zvakaitika kana iwe wakapa $ 100 muna 1980.

Mutsetse wegirini unoratidza mhedzisiro kana iyo $ 100 iri muzvikwereti zvakachengeteka , sezvikwangwani zvenguva pfupi zvekuisa.
Rwonzi rwebhuruu runoratidza mhedzisiro kana ichitsvaga mumashekete mashanu emari ekuchengetedza mari , inofungidzirwawo kuti inowanikwa pangozi yekutsvaga.
Mutsara wemaruva unokuratidza iwe mugumisiro kana mari yako yakaiswa mune chimwe chinhu chakafanana nechikwata chakachengetedza , pamwe ne50% muzvisungo uye 50% muhomwe index index.
Mutsara wakatsvuka unokuratidza kuti $ 100 yako yaizokura sei kana iwe uine mari muS & P 500 Index fund .

Mune mairafu anotevera, unogona kuona mamwe mashoko ega yega yehutano hwekutsvaga.

02 Kuchengetedzwa, kwete Ngozi dzekutsvaga

Imari Yakachengeteka Isina Mungozi Dzai pane grafu pamusoro apa kuti mufananidzo wakajeka, wakawedzerwa unoratidza gore negore inodzoka kuti mari shoma dzekutsvaga mari, zvakadai sechidzidziro chekanguva chekuisa mari, chingave chakaendesa pamakore makumi matatu apfuura. Dana Anspach

Mariyamuro yakachengeteka haina mungozi yekurasikirwa kwevakuru. Iko kushandiswa-ndeyekuti iwe haugone kuwana mari yekudzoka. Uine pangozi yakaderera, mari yako yakachengeteka iwe haufaniri kushushikana nekurasikirwa nemari, asi iwe unogona kusaita zvakawanda.

Dambudziko rako guru nderekuti rako rekutsvaga kwekutsvaga richave riri pasi pehuwandu hwekutengesa. Muna 2009 somuenzaniso, mari yepfuma yakaipa yakadzoka kudarika imwechete yehafu yezana, asi kutengesa kwezvinhu, sekuyerwa nemutengo wekutengesa nhamba, kwaive ne2,5% gore iroro. Zvakaoma kurarama kubva hafu yezana yezvibereko pagore apo mari iri kuwedzera.

Kuti uwane mhinduro dzakakwirira, unofanirwa kuva wakagadzirira kushandisa zvikwereti zvakakosha zvekutsvaga, izvo zvinoreva iwe ungave nemakore apo iwe usina kudzoka. Girafu inotevera munyaya dzino inokuratidza kuti mari yezvipimo ine ngozi shoma yakaenzaniswa sei nemari inenge isina ngozi.

03 Low Risk Investments

Low Risk Investments, As Not Guaranteed, Asi Stil Zvakanaka Zvakachengeteka patafura iri kumusoro pamusoro pemifananidzo yakajeka, yakawedzerwa iyo inoratidza makore makumi matatu ekupedzisira ekudzoka kwekutsvaga kwekutsvaga kana ichishandiswa mumatare emakore mashanu epfuma. Dana Anspach

Kuzviisa pasi pengozi, sehupfumi hurumende, hurumende uye hurumende zvisungo, kubvisa kudzoka kusingagumi uye zvishoma. Nenzira yakawanda, izvi zvinoreva kudzoka kwakakwirira kudarika dzimwe nzira dzakachengeteka, dzakavimbiswa. Kuratidzwa pamusoro apa ndezvekudzoka kwegore negore kwekutsvaga kwemari mugore rechishanu mabhengi emari.

Zvose zvinowanikwa mumatambudziko makuru ndezvezvisungo. Kana zvasvika kune zvisungo, heino zvinhu zvishoma kuti uchengete mupfungwa:

Hurumende yehurumende - Iyi inofanirwa kutengeswa kwakachengeteka, sezvo mukuru uye vanofarira vanovimbiswa neHurumende yeUnited States.
Zvisungo zvehurumende - Mutungamiri uye nharaunda inotsigirwa nesimba rezvemari rekambani rakabudisa, saka kana kambani yacho ikasvibisa, mari yako inogona kuva pangozi.
Kusungwa kweMasisita - Mutungamiri uye chido chinotsigirwa nehurumende kana guta rakabudisa musungo. Kunyange zvazvo zvisingawanzoitiki, pane zviitiko apo masunharaunda akasarudzwa pazvisungo zvavo.

Kuti uwane zvikwereti zvakakwirira nehuwandu hwehuwandu hwekutsvaga mari, iwe unogona kusarudza kuisa chikamu chemari yako mukutengesa kwepakati pengozi uye chikamu muzvikwereti zvine huwandu hwehuwandu hwemungozi. Migumisiro yegadziriro yakadaro inoratidzwa pane girafu inotevera munyaya dzino.

04 Mamiriro Ekutengeswa Kwemari

Kubhadhara Injodzi uye Kudzoka Kwechirongwa Chekuenzanisa Chikamu Ichi chinoratidza kudzokera kwehupfumi weputikeji ye 50% yegore rekuchengetedzwa kwepfuma uye 50% mashopu, izvo zvingave zvichiratidza hutengo hwekutsvaga hutsva hwevatatu pamwero umwe kubva kune umwe. Dana Anspach

Iwe unogona kugadzira chikwereti chepfeti uye nehuwandu hwehutano hwekutsvaga mari nekusarudza kusanganiswa kwakanaka kwezvisungo nematokisi.

Girafu riri kumusoro rinoratidza kuti gore rekarenda rinodzoka kubva muna 1980 - 2009 mune imwe nzvimbo yakasimwa 50% muHurumende yehupfumi nemakore mashanu ekuberekwa (sezvakaratidzwa murafu yapfuura), uye 50% muU.S. makungu makuru emakosheni anomiririrwa neS & P 500 chinyorwa (sezvakaratidzwa pane inotevera girafu).

Iwe unogona kugadzira kushandiswa kwakafanana kwekutsvaga kwekushandisa kuburikidza uchishandisa mari yakaenzana , kana kutenga nokutenga mari mbiri ; bhandi index fund uye stock index fund.

Uine zvikwata zvishoma zvishoma zvekutsvaga mari, iwe uchava nemakore apo zvikwereti zvako zvinowira pasi mukukosha, asi kana iwe uchida kubatisisa nehupfumiro yako, zvinogona kunge iwe uchava nenguva yakakwirira

Kana iwe uchida kuti mukana wekudzoka kwakakwirira, iwe unofanirwa kuwedzera hutsinye. Inotevera girafu inoratidza migumisiro yepodfolio yemari inotengeswa 100% muzvikwata.

05 High Risk Investments

Kuda Kwekutsvaga Kwengozi Kwaizove Iko Stock Index Fund Chengetera pane grafu pamusoro apa kune chifananidzo chakajeka, chakareruka chinoratidza chikorodho gore rinodzoka kune S & P 500 Index ye makore makumi matatu apfuura. Dana Anspach

Girafu riri kumusoro rinokuratidza iwe gore rekarenda rinodzoka iwe wakaona kana rakapiwa muS & P 500 Index fund pamusoro pemakore makumi matatu kubva muna 1980 - 2009.

A stock index index inonzi inofanirwa kubhadhara mari; iwe unogona kuva nekudzoka kwakakwirira kwazvo mugore rimwechete, uye kurasikirwa kukuru mugore rinotevera; zvisinei, kunze kwekuti Amagedhoni isvika uye mazana emapoka emakambani akanyorwa mubhuku rekubuda kunze kwebhizimisi panguva imwe chete, hausi kuisa njodzi yekurasikirwa nemari yako yese (iyo inowanikwa hutano hutano hwekutsvaga).

Pane zvimwe zvingasarudzwa zvinowira munharaunda iyi yengozi, yakadai semari yakawanda yezvibereko , izvo zvinopa huwandu huwandu huripo hwemari yezvino kune dzimwe nzira dzakachengeteka.

Pamusoro perafu inotevera mumakwikwi aunoona ose mazana mana ekuchengetwa kwekutsvaga kwekutsvaga mari yakarongwa pamwe chete, zvichikupa mufananidzo wakaisvonaka.

06 Enzanisa Kuda Kwekutsvaga Kuda Kuda Kuwedzera Kwekutsvaga

Zvitatimiti zveDhipatimendi, Pfuma, Kuenzanisa Kwepasitodhe, kana Zves Zvose Dzai pane grafu kumusoro pamusoro pekuwedzera, mufananidzo wakajeka unoratidza kuti gore rekarenda rinodzoka kubva muna 1980 - 2009 nokuda kwekutsvaga mari nekusiyana kwematambudziko. Dana Anspach

Ticherechedza iri yakachengeteka kana kutora imwe yengozi yekuisa mari? Girafu riri pamusoro rinoratidza kudzokera kune zvikwereti zvakachengeteka kana zvichienzaniswa nedzimwe nzira dzakakwirira.

Rwonzi rwakasvibirira rinoratidza kudzoka kwemwedzi umwe zvigwaro zvekuiswa; iyo inonyanya kuisa mari yekutsvaga.
Mutsetse webhuruu unoratidza kudzokera kwemari yezvivigiro zvemakore mashanu; imwe inowanikwa panjodzi yakaderera.
Mutsara weRondon unoratidza kudzokera kwehuwandu hwepodfolio yemakumi makumi mashanu kubva kune mashanu kubva kune imwe yegore Mari yehupfumi yehupfumi, uye makumi mashanu kubva muzana yeUnited States yakawanda mashekisi (anomiririrwa neS & P 500 Index); kuenzaniswa kwekuchengetedza ngozi.
Mutsara wakatsvuka unoratidza kudzokera kweS & P 500 index; kune ngozi yakawanda yekutsvaga.

Zvakadini nemisarudzo ye riskier yakadaro yokutengeserana? Ini ndinovhara avo pane inotevera uye nekupedzisira girafu munyaya dzino.

07 Extreme Risk Investments

Mari yepamusoro yemari inogona kuunza kudzoka kunoshamisa, asi iwe unotorawo njodzi iwe unogona kurasikirwa nezvinhu zvose zvawakapa.

Mari yepamusoro yemari inosanganisira zvinhu zvakadai sokuva nematokari, kutanga bhizinesi, kutamba pamusika wekusarudza , kana kufungidzira pane imwe chivako cheimba.

Hazvina kufanana nekubhejera, nokuti uri kuisa mari mukana waunofunga kuti wakatora nguva yekutsvakurudza zvakakwana, asi ruzivo rucharamba ruchiita zvishoma nezvezviwanikwa zvako.

Kuti uwane mari, kana vashandi vezvinhu zvakanyanyisa, zvisarudzo izvi zvakanaka. Asi kune avo vese vane mari shoma uye vanoziva kuti muchafanira kuvimba navo mukurambira, iwe unoda kunge uchida kusarudzwa nehutano hwakasarudzwa.