Kubudirira Kwemitero uye Passively Managed Funds
Kana iwe uchida mari shoma, nyore, kuderedza, uye kuvimbiswa kwenguva refu kwekushanda kwemari yekuongororwa, iwe uchavada zvikuru kana iwe ukadzidza kuti vangaderedza sei mitero inoshandiswa kwekutsvaga.
Izwi rinorondedzera kuti dzimwe dzimba dzekutsvaga dzinobhadhara mitero yakawanda kana kudarika kana ichienzaniswa nevamwe ndeyekubhadhara mutero.
Kana imwe sangano rekudzivirirwa kwemari iri mutero usingabhadhari, zvinoreva kuti haibhadhara mitero yemunhu mumwe nomumwe wezvikwereti kana ichienzaniswa nedzimwe mari.
Nemhaka yekubhadhara mutero, vatyairi vanochengeta mari mumutero wekodha (kwete 401 (k) kana IRA) vanogona kuderedza mitero vachishandisa mari isina kuchengetedzwa.
Nokuda kwechikonzero ichi, mari yekuenzanisira inonzi inoshandisa mari inobhadhara mitero . Heino chikonzero nei:
Index Fund
Chimwe chinhu chinonyanya kukosha chemari inoshandiswa inoita kuti vaite mitero inoshandiswa nehuwandu hwehuwandu hwekutsvaga , iyo inomirira iyo inoratidza chikamu cheimwe mari yekuchengetedza iyo yakatsiviwa (yakashandurwa) mukati megore rapfuura. Semuenzaniso, kana mari inobhadhara inotengeswa mumatokari zana akasiyana-siyana uye makumi maviri ayo anoshandiswa mugore rimwe chete, chiyero chekubhadhara chikava 20%.
Chii chakashata nehuwandu hutsva? Apo mari yekutengeserana ine zvakawanda kutenga uye kutengesa basa, ivo vanofanira kutengesa zvimwe zvigumisiro pamutengo wakakwirira kudarika iyo mutengi wemari akavatenga.
Izvi zvinoreva kuti kune huwandu hwekuwana uye kana mari yekutengeserana ichive nemari inowanikwa, inopfuurira kune iyo inowanikwa kune vashandi vekutsvaga nenzira yehuwandu hwekuwana zvipo . Ndezvipi 'zvisina kunaka nehuwandu hwekugovera kugoverwa? Vanobudisa mari inowanikwa mubhadharo!
Nokudaro chikwata chepamusoro chinowanzokonzera kukwirira kwemitero.
Asi nemasikirwo emari, mari yekuenzanisira ine mari yakaderera zvikuru - inowanzosvika se1% kana 2% - asi mari inogadziriswa yakawanda inowanzova nehuwandu hwehuwandu hunopfuura 20% uye dzimwe nguva inosvika 100% kana kupfuura.
Index Funds Kazhinji Chebha Zvishoma Zvikamu
Kugoverwa kubva kune mari pamwe chete kunotengesa semari uye mari yakawanda yemari inowanzobudisa zvikamu zvishoma pane mari inogadziriswa inoshandiswa mukati memumwechete.
Kunze kwekuti iwe uchitenga chikwereti chinyorwa chakanyatsogadzirirwa kutenga uye kubata mashizha anobhadhara zvikamu kana kunze kwekutenga bhadha index index, iwe haungakwanisi kubata chikwereti chekutsvaga chinounza mutero wemari kubva kune zvikamu kana chikwereti.
Kunyangwe zviri nani, kana zvakakonzera kukanganisa kwako kune njodzi uye zvinangwa zvekutsvaga mari, unogona kutenga kukura kwemari, zvakadai seVanguard Growth Index (VIGRX). Kuwedzera mashizha hazviwanzobhadhari zvikamu (nokuti makambani anovabudisa anovandudza mararamiro avo pane kugovana navo nevashambadziri nenzira yezvikamu).
Chinokosha ndechekuti kana uine kambani yekubhadhara mari yekodha, mari yekuenzanisira inogona kunge yakabatisisa kubata, uchifunga kuti unoda kuchengetedza mitero kune zvishoma.
Zvinonzwisisika: Mashoko ari pawebsite ino anopa mazano ekukurukurirana chete, uye haafaniri kunge akanganisa semazano ekutsinhanisa kana mazano emitero. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.