Kuita Izvi Kukanganisa Kunogona Kukuvadzai Mutual Fund Yenyu Inoshandiswa
Ndinoda kutora nguva kuti ndigadzirise idzi shanu mutual fund muchikwereta zvikanganiso kuitira kuti muzvidzivirire muupenyu hwenyu. Pachinhu chiduku, kana vakakuita iwe uchifunga usati waita mari yako yakaoma-yakawanda, ndichafunga basa rangu rakanaka.
Mutual Fund Kuisa Mistake # 1: Kuregeredza Kuda Kwekuda
Ndinoziva ruoko rwekutanga rwevatengesi vanoedza nekushingaira kuisa chikamu chebhadharo yavo muhofisi yezvemari. Asi kana iwe ukavabvunza kuti vari kubhadhara boka rekuchengetedza mari mune mutero nenzira yemari, mufananidzo unowanikwa mune izvo zvinonzi mutual fund zvinodhura , havagoni kukuudza. Ichi chiyero chinokosha zvikuru kwauri. Ndakambonyora hurukuro inotsanangura kuti mari mbiri dzinenge dziine chikamu chimwechete chinokonzera huwandu hwehupfumi hwakaenzana kune wekusimbisa mari kubva pachikwata chekubhadhara mari. Sezvo mutemo wehurumende, iwe unofanirwa kuva wega mutengo wemari pasi pe 10% kusvika ku20% yehuwandu hwemari.
Chikonzero cheizvi chiri nyore. Kune $ 1 yose yaunopedza mukutarisira mari, une $ 1 shoma iri kushanda iwe muhutano hwako. Ndiyo $ 1 zvishoma kudhura zvikamu , mari inowanikwa, uye mari inowanikwa. Nokufamba kwenguva, zvinoita sokuti zviduku zvinogona kunge zvine simba guru pahomwe yako yepamusoro.
Mutual Fund Kuisa Mistake # 2: Kuregeredza Kutenga Mitoro
Kune vashandi vemari, mutoro wekutengesa uri chinhu chakashata.
Mutoro wekutengesa hausi chinhu kunze kwekutumwa kwauri kuripa, kubva muhomwe yako, kune munhu kana sangano rakakukurudzira kuti utenge mutengo wekugadzirisa! Kune marudzi ose ekutengesa mitoro - mitoro yepamberi, mitoro yekudzokera shure, mitoro yakaremberedzwa ... ndicho chikonzero ndakanyora Chii Chinonzi Mutual Fund Sales Load? .
Mutual Fund Kuisa Mistake # 3: Kusingazivi Ndezvipi Zvinoshandiswa Zvisungo Your Mutual Fund Owns
Kana iwe uine mari gumi nematanhatu, asi ivo vose vane zvikamu zvakafanana zvekutengesa, zvisungo, kana zvimwe zvivimbiso, hausi wekusiyana semhando sezvaunofunga. Nhasi, iyo mutual fund inoshandiswa yakawedzera kusvikira pane imwe mari inobatanidzwa inenge inenge sarudzo dzose, dzose dzakachengetedza uye kubhejera zvakakwana, zvaunogona kufungidzira. Iko kune kunyange mari inobatanidza mari inoshandiswa yakasiyana-siyana yakadai seS & P 500 pane 3-1 hwaro!
Mutual Fund Kuisa Mistake # 4: Kusatora Kubatsira Kwekuwedzera Mutual Fund Kugovera Makirasi
Vakawanda vemari pamwe chete vane zvikamu zvakawanda zvekugovera zvidzidzo. Chimwe chimiro chinozivikanwa chinosanganisira zvikamu zvakasiyana zvezvikamu izvo zvinopa mari shoma nezviduku zvishoma. MuChii Mutual Fund Inoshandisa Kirasi? , Ndakatsanangurira kuti imwe yenyika huru yemari inyika ine zvikamu zvakasiyana zvakasiyana siyana zvinoenda zvakanyanya kudhura mari ye $ 200 mamiriyoni.
Pose paunokodzera chikoro chepamusoro, unogona kubhadhara (chaizvoizvo) kutarisa mukushandura kubata kwako mukati maro.
Mutual Fund Kuisa Mistake # 5: Kusingaverengi Mutual Fund Prospectus
Usati wafunga nezvekuisa mari muchikwata chekugadzirisa mari, unofanirwa kuverenga iyo prospectus . Iyi nyanzvi yemutemo inotsanangura nzira yekuisa mari iyo mutual fund management company inoshandisa kuisa mari yako, pamwe nezvimwe zvinhu zvakawanda zvinokosha.
Tsvaga mamwe mashoko nezve Mutual Fund Investing
Kana iwe uchida kuwana humwe ruzivo pamusoro pehurukuro iyi yekutsvaga mari, verenga chidimbu chakakosha chandakaisa pamwe chete kuti iwe udane Mufambiro Wese Wekutanga wekutsvaga mu Mutual Funds . Kushanda nzira yako kuburikidza nayo sequentially kunofanira kupa nheyo yakanaka yezvinokosha.