Chinangwa chako chekutsvaga chii?
Mari yako yekutsvaga chinangwa ndicho chinangwa pane imwe nzvimbo yako inoshumira zvido zvako zvemari.
Kune vanhu vazhinji, chinangwa chekutsvaga mari yavo yekushambadzira ndekukura kwenguva refu yekubhadhara mari yekurasikirwa. Vamwe vangave vatotora basa uye vari kutsvaga mari yazvino uye kukura kwenguva refu. Uye vamwe varimi vanoda kungochengetedza izvo zvavari izvo zvino uye vanofarira zvikuru kuchengeteka kudarika kukura kana mari.
Kana imwe nguva chinangwa chichatsanangurira, chii chichareva kuti zvikamu zvakadini zveasset uye kuchengetedzwa kwemarudzi zvinodiwa kuti zvizadzise chinangwa chepodfolio. Zvisinei, zvinogona kunge zvisinei nokuti chinangwa chekutsvaga mari, iwe unoda zvinopfuura rimwe mutual fund kuti uite.
Kutambudzika Kwako Kupi?
Dambudziko rekushushikana nderokutengeserana izwi rinoreva kuwanda kwematengesi emusika, kunyanya kukanganisa (kumusoro uye pasi), mutengesi anokwanisa kutsungirira. Semuenzaniso, kana iwe unoremekedzwa zvakanyanya kune njodzi, zvinoreva iwe unoda kubatisisa kune mari yako pamwe chete kana iri kumira mukukosha uye kunyange pakati pematengesi ane bhere .
Zvinowanzova nengozi kubata mari imwechete kana maviri, pamwe chete kana iri mari yemari, iyo inogona kuita zvakanaka kwenguva yakareba asi inogona kuva nekuchinja kukuru (ups and downs), kana izvo zvinonzi kusagadzikana, munguva pfupi.
Kana iwe usingazivi kushivirira kwako kune njodzi, mubvunzo wekutsungirira kwekukuvadza unogona kubatsira nekubvunza mibvunzo yakawanda nemamiriro akasiyana-siyana emisika, apo iwe unogona kufanotaura zvaunoita kwavari uye nokudaro unobatsira kuziva zvakanakisisa mari inobatanidza mari pamwe chete.
Ndeapi Mhando kana Mapoka Ezvikwereti Waunoda?
Kana iwe wakafanana nevashambadzi vakawanda uye uine huwandu hwekuregerera kune ngozi, zvakanakisisa kubata zvisungo zvitatu kana zvina zvezvemari pamwechete nemhando dzakasiyana uye zvinangwa. Kana zvakanyatsosiyana, zvinoderedza kusagadzikana kuburikidza nekubatanidza zvikwata zvemari zvisingatauri zvakafanana. Semuenzaniso, mumusika webhebhu, mari yemari inogona kuderera zvakanyanya muhutano asi mari yezvisungo inogona kubata kukosha kwayo kana kunyange kukwira kwekukosha mumusika webhebhu.
Pamusoro pehutano hwepamusoro, kune zvikamu zviviri zvakakosha zvemari pamwe chete - mari yemari uye mari yezvisungo. Bhizimisi uye zvisungo zviriwo zviviri zvezvikamu zvitatu zvakakosha masayiti emari. Iwe unogonawo kuisa mari mumari yemari yemari , iyo inomirira yechitatu yefasi yepaiti - mari.
Nokudaro kusiyana kwezvinhu zvakanyanyisa ndekutsvaga mari inenge mari imwechete-mari imwechete mutual fund uye imwe bond mutual fund. Mari yemusika mari inogonawo kuva chikamu chakanaka chepfetifolio, kunyanya kana pane chidimbu chekudzikisa (kukurumidza kuwana mari) uye / kana mubhadhari ane urombo huri pasi pengozi.
Kazhinji, uye uchifunga kuti iwe unonyoresa kusvika pakuregerera kwakanyanya kune njodzi uye chinangwa chekukura kwenguva refu, iwe uchada mari yakawanda yekushambadzira kupfuura mari yezvisungo muhofisi yako.
Mari Mari Yaunayo Inobhadhara Mu Mutual Funds?
Zvichienderana ne mutual fund kambani uye iyo yekodhi yekodhi (kureva IRA, 401k, kana kuti iyo yekodha yekodha yekwereti), unogona kuda kusvika $ 3,000 kuti utenge imwe mutual fund. Heino huwandu hwekutsvaga kwekutsvaga mari yekutengeserana mari kune mamwe emakambani anozivikanwa zvikuru mutual fund uye discount brokers:
- Vanguard Funds : $ 3,000
- Kutendeseka Mari : $ 2,500
- T. Rowe Price Funds : $ 2,500
- Charles Schwab Mari : $ 100
Saka, kana uine $ 3,000 akachengetedzeka uye uchida kutenga yako yekutanga mutual fund, uye iwe unoda kushandisa Vanguard, iwe unogona kunge usina chaunosarudza kunze kwekutsvaga muhomwe imwe chete.
Nenzira yakanaka, Vanguard uye mamwe makambani asingatengi emakambani ehurumende ane mari pamwe chete, inowanzoti mari yemari , iyo inowedzera mune imwe mari. Semuenzaniso, Vanguard's "LifeStrategy" inopa mari imwe neimwe mune mamwe mana mana eVanguard.
Nokudaro, kutenga chikwama chimwe chete sezvizvi kunobudirira mugumisiro mumwe chete sekutenga mari imwechete yemari mumapoka akasiyana-siyana.
Iwe Unogadzira Sei Chikamu cheMutual Funds?
Kunyange zvazvo zvichikwanisika kuisa mari muhomwe imwe chete , vatengesi vanenge vakachenjera kuvaka zvikwata zvavo uye vanozvitarisira maererano nezvavanoda. Iwe unogona kutora makore akawanda ekunyora kwedzidzo yekwidziro yekuvaka chikwereti chakasiyana uye chinokodzera iwe pachako.
Nenzira yakanaka, iyi nyanzvi yemapurisa inogona kuiswa nyore kune iyo inonzi yakakurumbira uye yakatarwa nguva yekugadzira mapikichati inonzi Core uye Satellite . Ichi chimiro chinongonzwika: Iwe unotanga ne "core," iyo inowanzove iyo yakakura-inoshopu index index, iyo inomiririra chikamu chikuru cheporofiti yako uye inovaka kumativi ose ne "satellite" mari, iyo imwe neimwe inomiririra zvikamu zviduku zvepodfolio yako. Heino muenzaniso wekona uye satanho iyo inofanirwa kune vashandi venguva yakareba vane huwandu hwehutano husinganzwisisiki (pakati) huwandu hwematambudziko (iyo inowanikwa yepafa inosvika 65% Nhamba, 30% Bonds, 5% Cash / MMKT):
40% Makuru akavhara (Index)
10% Small-cap stock
15% Foreign Stock
30% Mukatikati-bond Bond
05% Cash / Money Market
Izvi zvinosanganisira mutual fund types uye mari yemari yemari yakawanda-yakasiyana-siyana, zvinoreva kuti rimwe rega rega rine mari yakasiyana-siyana yekutsvaga iyo isiri yakanyanyobatanidzwa (yakafanana) kune imwe mari mumushumoti. Munguva yakareba, iyi chikoro chinowanzoita kuti pave nemari inosvika ye5% kusvika ku8%, zvichienderana nemakore ekutanga. Kune mamwe mahofisi emitambo ona:
Kutaura muchidimbu, uye pakupedzisira kupindura mubvunzo wekuti mari yakawanda inobatanidza chii, zvichida kuti nhamba yakakodzera pane imwe nzvimbo pakati pematatu nemashanu. Hazviwanzodikanwa kuti uve nemari inopfuura 10 yakasiyana.
Zvinonzwisisika: Mashoko ari pawebsite ino anopa mazano ekukurukurirana chete, uye haafaniri kushandiswa zvisina kunaka sekutsvaga mazano. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.