3 Mapepati Emuenzaniso Kwevatengi Vepasi Pose
Muchikamu chino, tichatarisa zvimwe zvikwata zvinyorwa zvinosanganisira dzimba dzenyika dzakawanda dzichibva kune vanoita zvemari uye zvinangwa.
Vechidiki Vanotengesa: Kusvikira 35
Vazhinji varoyi vezvemari vanokurudzira kuti vashandi vemadiki vafungire njodzi yakawanda mumahofisi avo sezvo vane nguva yakareba. Kunyange zvazvo inotengesa riskier - kufanana nemari - inogona kuwana nguva shomanana yekusagadzikana, inowanzoita zvishoma nezvishoma kudyara kwezviitiko zvisingabatsiri - sezvisungo - pamusoro pezvenguva refu. Vashandi vechidiki vasiri kuronga kutengesa kwemakumi emakumi emakore zvinowanzova nani nechekuchengetedza mashizha ekutsvaga zvikonzero izvi.
Kana iri kuuya kunekutsvaga kwenyika dzose, masimba aya anotyisa anowanzobatanidza misika yemakambani uye yepamhenderekedzo yemisika yemari uye zvisungo. Nyika dzinowira muzvikamu izvi dzinokurumidza kuwedzera mari kupfuura nyika dzakabudirira, asi inogona kuwana nguva shoma shomanana kubva pakuwedzera kwezvematongerwe enyika , mari yakawanda , nezvimwe zvinhu.
Vashandi vechidiki vanogona kubatsirwa kubva pamatambudziko aya kuburikidza nekuwedzera zvikamu zvezvikwata zveasset.
Muenzaniso muenzaniso wechidiki wekusimba mari inogona kuisa:
| ETF | Chikoro | Kugoverwa |
| Vanguard Total Stock Market ETF (VTI) | US Equities | 40 Percent |
| Vanguard FTSE Yakashambadzirwa Makambani ETF (VEA) | International Equities | 40 Percent |
| Vanguard FTSE Emerging Markets ETF (VWO) | Emerging Market Equities | 10 Percent |
| iShares Emerging Market Bond ETF (EMB) | Emerging Market Bonds | 10 Percent |
Middle Age Vashandi: 35 - 65
Pakati pezvikwereti vatengesi vanofanira kutarisa kuenzanisa pakati pekukura uye mari. Kunyange zvazvo vachiri nenguva yekukwira kunze kwekutsvaga, chinangwa chiri kutanga kutama kubva kubva kuhomwe mari kusvika pakuchengeterwa kwekuchengetedzwa sezvo kusarirwa kuswedera pedyo. Zvikwereti nezvimwe zvikwereti zvakasimbiswa zvekuwana rubatsiro zvinobatsira kupa hukuru hwechokwadi, nepo bluu-chip dividend uye kukosha kwezvikwata zvingave zvakafanira kuderedza dambudziko uye kusagadzikana mune chikamu chechikamu chepodfolio.
Muchirevo chekuisa mari kune dzimwe nyika, vatengesi vepakati pepakati vangada kufungidzira kuderedza kusvikiswa kune mararamiro ari kubuda uye emiganhu uye kuwedzera kuwedzerwa kumisika yakagadzirwa. Vangadawo kufunga nezvekuvaka maitiro ehurumende kune dzimwe nyika senzira yekusiyana-siyana kwezvikwereti zvinokonzera mari kubva kure neUnited States. Iyi nzira inowanzoita kuti pfupa rekunyanya kushandiswa zvishoma uye nguva inoramba ichinakira mari.
Mumwe muenzaniso wepakati pezera rekusima mari wehupfumi angasanganisira:
| ETF | Chikoro | Kugoverwa |
| Vanguard Total Stock Market ETF (VTI) | US Equities | 45 Percent |
| Vanguard FTSE Yakashambadzirwa Makambani ETF (VEA) | International Equities | 15 Percent |
| Vanguard US Total Bond ETF (BND) | US Bonds | 25 Percent |
| Vanguard Total International Bond ETF (BNDX) | International Bonds | 15 Percent |
Kubhadhara Imari: 65 nepamusoro
Vashandi vekugara muhurumende vanowanzotanga kukonzera huwandu hwehuwandu hwemari yekuwana mari inopa nguva yavo pfupi. Munguva ino, chinangwa chekutsvaga mari chinoshandiswa kubva kune mari yepamusoro kusvika kune kuchengetedzwa kukuru kubva kune chinangwa ndechekuona kuti kune mari yakakwana yekuwana mari yekusarirwa. Bonds ndiyo nzira inonyanya kufanirwa yekuzadzisa zvinangwa izvi sezvo isingawanzoitiki uye inopa mari yakasimba yekuwana mari kupfuura nguva.
Pakuisa mari kune dzimwe nyika, vashandi vekugara muhurumende vangada kufunga nezvekutsvaga kune dzimwe nyika dzisina kubhadhara mari. Izvi zvikwereti zvinogona kusiyanisa kure nemari inowanikwa nehuwandu hwehuwandu muUnited States, kunyange zvazvo zvichikosha kuongorora chero mungozi yekunze kwenyika. Vashandi vanoda mari yeUnited States pavanenge vasarirwa kunze - kunze kwekugara kune imwe nyika - izvo zvinoreva kuti mari yekushandurwa inogona kuve yakadhura kana mari dzedzimwe nyika dzichiderera neodhora.
Mumwe muenzaniso wepakati pezera rekusima mari wehupfumi angasanganisira:
| ETF | Chikoro | Kugoverwa |
| Vanguard US Total Bond Market ETF (BND) | US Bonds | 80 Percent |
| Vanguard Total International Bond ETF (BNDX) | International Bonds | 20 Percent |
Kufunga Kukosha
Hapana hukama hunogamuchirwa nenyika yose pamusoro pehuwandu hwenyika dzakasiyana-siyana dzinofanirwa kubhadhara chikwereti. Vamwe vadzidzisi vezvemari vanogona kuona zviyero zviri mumapepati aya ekuenzanisira sokunge zvakapararira kune dzimwe nyika, asi vamwe vanozviona sezinga rakakodzera rekusiyana. Vashandi vanofanirwa kunyatsoongorora mamiriro avo ega uye kunyaradza huwandu nemari yepasi rose asati aita chero zvisarudzo.
The Bottom Line
Vazhinji varairimi vanoziva zvikomborero zvekudyidzana kwenyika dzakasiyana-siyana, asi zvinogona kuva zvakaoma kuisa chidzidzo ichocho. Nhau dzakanaka ndeyokuti nyika dzeEFT dzakawanda dzichiita kuti zvive nyore kupfuura kare kare kuvaka zvikwata zvepasi-zvakasiyana-siyana. Ne mienzaniso iri munyaya ino, vatengesi vanogona kuwana pfungwa yekuti nyika dzakasiyana-siyana dzakasiyana sei dzinoita sevamwe vakasiyana-siyana vevatengesi vemadhora.
Ichi chinyorwa ndechekuziva nezvechinangwa chete. Hapana chinhu chiri munyaya ino chinofanira kutorwa sezvipo zvekutsvaga mari. Ndapota taurira mutungamiri wezvemari kuti ubatsire kukudziridza nzvimbo yakakosha yepodfolio yako pane imwe mamiriro ezvinhu.