Neiko nhepfenyuro yemari inogona kunge iri iwe chete mari yaunoda iwe
Mimwe yakawanda inoshandiswa mumakisikiti emakemikari anosanganisira Russell 2000, boka rekutengeswa re 2,000 duku-company stocks; Wilshire 5000, iyo inosanganisira mabhizimisi ose eUnited equity anowanikwa nyore nyore; iyo Dow Jones Industrial Average, iyo inorema inorema muvhareji wekutengeserana kwebasa rebhuruu chip stocks (iyo inonyanya kushandiswa), inonzi NYSE Composite, iyo nhamba inosanganisira makambani ose muNew York Stock Exchange, uye NASDAQ Composite, iyo inosanganisira zviuru zvemakambani ari muNASDAQ bhizimusi.
Saka nei iwe uchida mari yekuenzanisira pamusoro pezvimwe zvayo, mari yakachengetedzwa ? Index yemari haisi kuvimba nevamenenja kuti vasarudze matanda. Vanowanzo kutevera kufamba kwemashamba makuru. Mari dzinotarisirwa zvakakwana dzinoda mameneja anonyanya kutsvaga kushambadzira shure kwekurova misika. Vakawanda vavo havaiti. Ichokwadi, zvidzidzo zvakaratidza kuti nekufamba kwenguva, mari yekuenzanisira nguva dzose inoparadzanisa mari yakachengetedzwa inoshanda. Heino chikonzero chikwata chinyorwa chingave chakanaka kwauri.
Index Mahomwe Ane Zvikamu Zvishoma
Nemhaka yokuti hapasina vatori vemasheya kubhadhara, mari yekuenzanisira inowanzoita mari yakawanda kudarika mari yakarongeka. Inotarisirwa mari yekubhadhara mari inoshandiswa inenge inenge 1.25 kusvika 1.5%. Iwe unogona kuwana chikwereti chemari kubva kuVanguard, Fidelity kana T. Rowe Price yebhadharo yegore negore iri pasi pe 0,50%. Imwe nzira yevatengesi vachitsvaga mari shoma ndeyekusarudza mari yekutengeserana (ETF). ETFs zvakafanana nekunyoresa mutual funds asiwo kushandiswa sechinhu.
Zvose mutsara pamwe nemari ye ETFs inokupa mazano ekutsvaga mari kana iwe uri kutsvaga chimwe chinhu chine mari shoma kupfuura mari yakachengetedzwa yakawanda uye yakawanda mari.
Inogona kunge isinganzwi sezvakawanda, asi nekufamba kwenguva iyo mari inowedzera. Uye vanogona kudya kunze kwekudzoka kwako. Kana iwe uine mukana wakawanda wekuwana mari yaunokwidza kushanda kwekambani yakakura ne1%, asi iwe unobhadhara 1% zvimwe zvechikwama ichocho kupfuura iwe unenge uchida chikwereti chekwereti yemusika, iwe unomuka usingarohwi indekisi zvachose.
Chero chero rudzi rwemari yaunosarudza, iwe unofanirwa kutarisa pasina mari yemutoro . Izvi zvinoreva kuti hapana mari inodhura yokutengesa mitoro kana makomba ekubhadhara.
Index Fund Zvimwe Mutero-Zvakakwana
Chimwe chikonzero chekuedza kutengesa nekutengesa akawanda ematokari muedza yekurova pamusika: iwe unotengesa zvakawanda zvekutengeserana. Izvi zvinoshandisa mari yakarongedzerwa zvishoma kushandiswa kwemutero kudarika kuenzanisa mari, iyo inowanzoita zvishomanana kutengesa uye panzvimbo pacho inonamatira kune tswanda yemari inotarirwa kare. Zvakare, mari iyi inogona kuonekwa isingabatsiri kufunga nezvekukura kwemamwe mari, asi vanowedzera. Uye ivo vanogona kukanganisa pasi rako.
Index Funds Inobatsira Iwe Kuparadzanisa
Nemhaka yekuti mari yekuenzanisira inowanzoenderana nemakwikwi akawanda emakakiti, unogona nyore nyore kuonekwa kune zvakasiyana-siyana zvemasitoreti. Semuenzaniso Russell Index Index 3000 inotevera 3000 emakambani makuru muUnited States Wilshire 5000 inozivikanwawo seyoyo yose yemakakiti index, nokuti inotevedzera zvikuru iyo kambani yose iri mumusika.
Mari inotarisirwa zvakanaka inowanzove yakagadzirisa chinangwa kana nzira dzavanoshandisa pakusarudza masimba avo. Semuenzaniso, mari inogona kuve nechinangwa chokudarika S & P 500 nekuisa mari mumakambani asina kukodzera. Izvozvo zvinoreva kuti vatungamiri vanofanira kuwana matanda aya avo vanoona kuti haafaniri kutarisirwa, uye pakati peavo vanofanira kusarudza matanda avanofunga kuti achaita zvakanaka chaizvo.
Kunze kwekuoma kwekutsvaga vahwina nezano rakadai, mutungamiriri anogona kusimudzira kupinza mune boka duku rezvikwata panzvimbo yeboka guru rinoderedza ngozi. Kuedza kuwana kuwedzera kwemahombekiti kuburikidza nemari yakachengetedzwa zvinogona kureva kuva nemari yakawanda - zvinoreva mari yakawanda.
Index Funds Ita SezvaMusika
Yeuka chikamu chekuti mari yakachengetedzwa sei ichaedza nekurova S & P 500? Mari zhinji inotarisirwa zvakarongeka ichaenzanisa maitiro avo pachavo kune index. Nokuti kana iwe usingagoni kukunda misika yakakura, iwe unoda kuita sezvazviri. Mukuedza kwavo kurova S & P 500, vatungamiri vanogona kuedza zvakawanda zvakasiyana siyana, kutenga uye kutengesa mugore rese. Zvechokwadi, vamwe vatungamiri vanofanira kunge vari pamba vachida dzimwe nguva. Iwe unogona kutovaona vachingopinda mukutsvaga magazini.
Asi hazviwanzogadziriswi kwenguva refu. Ichi ndicho chikonzero "mari inopisa" haisi nguva inopisa makore akawanda mumutsara. Zvechokwadi, kana mari yaive negore rakapera gore rakapera, nhoroondo yakaratidza kuti ungangodaro uri nani kuti ugare kure negore rino.
Nhepfenyuro yemari yakagadziridzwa ichagara ichiita pamwe chete nehurukuro yavo. Apo pamusika une gore rakakura, saizvozvowo iwe nhepfenyuro yemari yevatengesi.
Kune zvimwe zvikamu zvemusika apo kuunganidza zvigaro kunogona kuita mutsauko. Paunenge uchitora zviduku-duku kana makambani emakakatani ari kubuda , somuenzaniso, masimba emutungamiri kana ruzivo rwekambani yaanovhara inogona kupa muganhu. Asi kana iwe uchida hurongwa huri nyore, hwokudhura kwekutsvaga mari, iyo mari yehurukuro ingangodaro ndiyo inowanikwa mari yaunoda.