Vanowedzera mari asi mari inowanikwa inogona kunge isina kuwanda.
Yakavharwa nemari yekupedzisira yakasiyana nedzimwe sarudzo dzinopera mutual funds.
Nekuvhara kwekuvhara pachena, chero bedzi iwe uchida kutenga zvikamu, kambani yekutengesa ichavatengesa kwauri. Vachatora mari yako, kuiwedzera kuhofisi yepodfolio, uye kuumba mamwe mashomanana. Iwe nguva dzose unotenga chikamu chekuvhara mari yakazaruka kubva kune yekambani yekambani, haambofi pamusika wechipiri.
Apo kupera kwekuvhara mari inotanga, kambani inokwidza mari yakatemwa, uye inobudisa nhamba chaiyo yezvikamu.
Hapana zvikamu zvitsva zvakasikwa mushure mokunge. Vashandi vanogona kutenga iyo mari inowanikwa chete pamusika wechipiri, kubva kune umwe munhu ari kutengesa zvikamu.
Kana imwe mari yekutanga ichisimudzwa, mutungamiri wezvikwama anochengeta mari yekuita maererano nechinangwa chemari uye zvinangwa. Yakavharwa mari yekupedzisira inogona kuiswa mune chero zvivimbiso zvekutengeserana pachena zvakadai sean equities, zvisungo, zvituko zvakasarudzwa, zvisarudzo, nezvimwe.
Yakavharwa nemari yekupedzisira inogona kupa pamusoro pekubhadharwa kwemari
Vakawanda vakapfigira kuguma mari inobhadhara mwedzi mumwechete kana kuti pamiganhu yechina. Inogona kuva imwe nzira inofadza kune vashandi vanoda mari. Vashandi vanofanira kunzwisisa kuti mari iyi inopiwa sei. Muzviitiko zvizhinji chikamu chemari yebhadharo ichocho ndechokudzoka kwevakuru. Dzimwe mari zvishoma nezvishoma dzinozvigadzirisa zvinopfuura makore makumi maviri nemakumi matatu.
Mutengo wekugovana unogonawo kuva wakanyanya kuoma uye vazhinji vakapedzisa kuguma kwemari vachaona kuti migove yavo inowira pasi apo kuwedzera kwemari inowedzera. Vashandi vanoshandisa mari yekuvhara mari vanofanira kuziva kuti kunyange zvazvo vangawana mari yakakwana, kukosha kwavo kunogona kuenderera kune yakanyanya kukwirira uye kunokera.
Iva nehanya nezvekuwedzera
Iko mutengo wekugoverana wakanyanya kuwanda nokuti vazhinji vakavhara magumo emari vanoshandisa kuvhara, kana kukwereta kune chikwereti, kuti vatenge zvimwe zvigumisiro. Chinangwa chechirongwa ichi ndechekuwedzera mari yekudzorera, kana kuti mari yainowana mari.
Semuenzaniso, fungidzira muganhu wenguva dzose yemari inowana chikamu chekubhadhara zvikwereti.
Sekuvharwa kwekuvhara mari inogona kushandiswa, iyo mari inogona kukwereta kushambadziro yemashesiko kutenga zvimwe zvikamu zvekubhadhara zvikwereti. Kufunga kuti chiyero chaive chikafu chakanga chichikwanika zvokuti mari yavo yekukwereta yaizove iri pasi pezvikamu zvekugovera uye vanogona kuwedzera mubhadharo kunze kwemari kuburikidza nekushandisa mukana uyu.
Uku kushandiswa kwemari, kana kukwereta mari, kunokonzera kuguma kwemari yekuvhara, sezvisungo, kuva nechido chakanyanya kufarira . Kana zvikwereti zvinowedzera, mutengo wekugoverwa kwekuvhara mari inogona kupera. Izvi ndechokuti vatengesi vanotarisira kuti mari iyi ichakwanisa kubhadhara mari yakakwirira pamari yakakweretwa, uye ichi chikwata chapamusoro chemari inotarisirwa inotarisirwa kuderedza kudzoka kwose kwechikwama.
Inogovana zvekutengeserana painotangira kana kutora
Kana chikwereti chichishanda pane zvisingabatsiri, zvinoreva kana iwe uchitenga chikamu, uri kuripa zvishoma kudarika izvo kukoshesa kwemashamba kwezvose zvikwereti zviri pasi pezvikwereti zvakakosha zvechokwadi.
Kana chikwereti chinotengesa pakutanga, chinoreva kana iwe uchitenga chikamu, iwe uri kuripa kupfuura izvo zvinotengeswa pamusika wezvikamu zvose zvekutsvaga mari zviri pasi zvakakosha zvechokwadi.
Kuvharwa kwemari yekupedzisira inoshandiswa zvakanakisisa sekusimbisa kune inowanikwa mari yakawanda inogadzira chikwereti , kana, kune vashandi vane ruzivo chete, kuburikidza nekushandisa nzira yakarongeka yekutengeserana, iyo inosanganisira kutenga mari pakuderedzwa nekuvatengesa pamutengo.
Usavhiringidza magumo ekuvhara nemari yakavharwa. Apo magumo ekuzarura mutual fund anorega kubudisa zvikamu, pane zvenguva pfupi kana zvekusingaperi, zvichanzi "yakavharwa." Panguva iyoyo, iwe haugone kutenga chikamu chegwende; kwete pamusika wechipiri kana kubva kumakambani emari. Idzi mari yakavharwa haisi yakangofanana nevharo rekuvhara mari.
Izvi zvinoratidzika zvakaoma
Funga nezvazvo nenzira iyi - izvo iwe unoziva sekuti mutual fund ndeyokusununguka kugadziriswa mari. Kana iwe ikozvino unobata izvo kambani yako kana mupiridzi wako akadana mutual funds, iwe unogona kunge wakavhara mari. Mahofisi akawanda anozadzwa nemari yekupedzisira.
Yakagadzirirwa kuguma mari inoshanda zvakadai sechitsinhanho chekutengesa mari. Kune zvipo zviduku zvekuvhara mari yekuvhara uye kazhinji, iyo inobatwa nevashambadziri kana vadzidzisi vane ruzivo rwakakosha kana zvimwe zvinangwa nokuti yakavharwa kuguma mari inowanzomiririra njodzi huru