Kurega Kuda Kwemitemo Ichakubatsira Iwe Kutarisira Mari Yako Mukurasikirwa
Iwe unoda mari yekubvisa mari. Mubvunzo ndoupi mari yaunofanira kutora gore rega rega? Iwe unoda kuve nechokwadi kuti hausi kupedza pasi pasi maakaunti ako nekukurumidza. Mhinduro yacho inotsanangurwa nekuverenga kuvhara kwakachengeteka .
Nhamba yakachengetedzwa yakachengeteka ndiyo chikamu chakafungidzirwa chemari iwe unogona kubvisa kubva mune zvekutsvaga kwako gore rega roga uchisiya zvakakwana kuti mari inotora hupenyu hwako hwose-kunyange kana iwe uchirega basa panguva iyo urombo uye / kana mushambadziro hausi kuita zvakanaka.
Somuenzaniso, kana ukashandisa $ 4,000 pamadhora evanhu 100 000 awakapa, iwe unenge uine huwandu hwekusiya huwandu hwe4%. Nhamba dzezvizvarwa zvinoreva kuti kuregererwa kwekutora kunenge kwakarurama; iwe unogona kupedza inenge 4 muzana yemari yako yemari gore roga roga uye kazhinji haigoni kupera mari.
Zvisinei, kana iwe uchida kubvisa zvishoma, pane mitemo mitanhatu iwe unogona kutevera iyo ichakupa mukana mukuru wekuwedzera mari yako yekusara. Kana iwe ukatevedzera mitemo iyi iwe unogona kukwanisa kubhadharwa nepamusoro zvakanyanya se 6-7 muzana yepakutanga kwepodfolio yako, zvichireva kuti iwe unogona kubvisa $ 6,000- $ 7,000 pagore, nokuda kwemari ye $ 100,000 yawakapa. Ichi hachisi chinhu chaicho. Kana iwe uchizoshandisa mitemo iyi, unofanirwa kuchinja; kana zvinhu zvisingafambi zvakanaka, iwe unogona kunge uchiita zvimwe zvigadziri uye uchitora zvishoma gare gare.
Mitemo Yekutanga Kurega
Nzvimbo yako yeporogiyo inounza huwandu hwekuregererwa kwepamusoro apo misika ine mutengo wakaderera kune mari inowanikwa .
Mutengo wekuwana mari yechikwata (P / E chiyero) isiri iyo inogona kushandiswa kuenzanisa nguva yemberi inouya kwenguva refu (makore gumi nemashanu) kumusika.
Ndapota cherechedzai: hazvibatsiri pakufanotaura nguva shomanana yekudzoka kwemusika.
Nokuda kwekuregererwa, chiyero cheP / E yemusika chinogona kushandiswa mukugadzirisa kodzero yekutanga kuregera; chiyero chinogona kuchengetedzwa zvakachengetwa gore rega rega, nekwanisi yekubviswa kwegore gore rinotevera kuwedzera nekuderera.
- Apo purogiramu yeP / E yemusika wekutengesa (S & P 500) iri pasi pe12, kutora kwakachengetedzwa kwakachengeteka kunobva kubva pa5,7 kubva kune 10,6 muzana zvichienderana nenguva yakadzidza.
- Apo purogiramu yemusika weP-E inotengeserana 12-20, kuvhara kwakachengeteka kunobva kubva pa4,8 kubva kune 8,3 muzana, zvichienderana nenguva yakadzidza.
- Apo purogiramu yeP / E yemusika wepamusoro inopfuura makumi maviri, kuvhara kwakachengeteka kunobva kubva pa4.4 kubva kune 6.1 muzana zvichienderana nenguva yakadzidza.
Icho chiyeuchidzo chokuyeuka, kana iwe ukasimuka kana mushambadziro uine uwandu hwepakati hweP / E, chikoro chako chinogona kutsigira mari yakawanda pamusoro pehupenyu hwako pane munhu ane imwechete iyo inotora mari apo mushamba une puro yepamusoro yeP / E.
Iwe unofanirwa kunge uine chikamu chakanaka chezvikwereti kune mari yakagadzirirwa kuitira kuti mari yako yekusunungurwa inogona kuenderera mberi nekutengesa.
Kunyanya, chikwereti chako chinofanira kuva nehuwandu hwekutengesa kwemazana makumi mashanu uye huwandu hwekuenzanisa huwandu hwe80 muzana.
Kana iwe ukanyanyisa kure nezera iri, iwe unomira dambudziko rekubuda kunze kwemari. Zvakawanda muhutano, uye misika yakawanda inogona kukutyisa iwe panguva yakaipisisa. Zvakawanda mumari yakagadziriswa, uye mari yako yekusasiya haigoni kufambidzana nekutengesa.
Iwe unofanirwa kushandisa shanduro yepasitoresi yepasitikiti kuti uwedzere kukura kwako.
Funga kuvaka chikwata chemahosi yepasitoriki sekwokugadzira kudya kwakanyatsonaka. Chimbofungidzira, somuenzaniso, kugara pasi kune kudya kwemanheru kunofadza, shrimp, nemucheche kumashure. Kunyange zvazvo kudya kwakasiyana, hakusi kwakanyatsokwana.
Munyika yekutsvaga, panzvimbo yezvikwata zvekudya, une ma-asset classes. Iko yakanyatsotarisa podfolio inosanganisira, zvishoma, inoshandiswa kune imwe neimwe yezvikwata zveatset zvinotevera: maUnited States ehurumende yese yekodhi huru uye duku yekodhi yenyika (mashizha kana mari yekodzero yemari), mazamu enyika, uye mari yakasarudzwa (mari, zvigwaro yezvinyorwa uye zvisungo). Gore roga rega iwe unogona kutora chikwereti ichi kumashure.
Kana ukashandisa mari uye / kana vadzidzisi vezvemari vane mari yakakwirira kudarika kuenzanisa mari, iwe unogona kutora kutora kuderedza kubhadharwa kubhadhara mari yakakwirira iwe uri kuripa.
Iwe unofanirwa kutora mari yekubvisa mari inotora zvishoma nezvishoma, zvakatemwa.
Paunotora zvisizvo, mari yako yekubvisa mari inofanira kubva kune imwe nhengo mune imwe urongwa. Kune varairi vatsva, mitemo iyi inogona kuva yakaoma. Kuti uite nyore pfungwa, fungidzira zvitatu.
- Bucket nhamba imwe izere nemari; zvakakwana kuvhara mari yekugara kwegore rimwe chete.
- Mukati bhitakiti nhamba mbiri iwe unoisa mari yako yakasimwa-inowanikwa (dzimwe nguva inonzi bhizinesi yakatarwa.Imwe nhete inomiririra zvekugara kwemari yegore rimwe nerimwe, gore rimwe chete rinofanira kushandisa mari "kukura", uye rinobva kune "yakagadzirirwa mari" kusvika kune "cash" basket. Izvi zvinokuratidza kuti iwe unogara uine mari yakakwana pamaoko kuti uvhare mari yako inouya.
- Bhakiti rechitatu rakazadzwa kumiganhu nemari. Iwe unogona kungotora mari kubva kubheji yekutengesa kana ichikwira. Gore rinoputika gore ripi zvaro kana zvikwereti zviri pamusoro pamusoro penguva yekudzoka; zvinenge zvichidzoka gore negore zvakapfuura 12-15 muzana. Pakupera kwegore rinopfachukira, iwe unotengesa zvikwereti zvakanyanyisa, uye shandisa mari yaunowana kuti udzose mari yakasarudzwa uye mari yemari.
Pachava nemakore akawanda apo kubhengisa kubhengi hakuiti. Zvinotora kurairirwa kuti zvioneke zvakanaka kuti mvumo yekugadzirisa mari uye mari yakasvike kusvika kune yakaderera mumakore aya. Pakupedzisira, gore rinoputika richauya pamwe chete uye zvese zvehupenyu zvichazadzikiswa. Kutevedzera mutemo uyu kuchakudzivirira kuti urege kukuvadzwa iwe pachako, uye kutengesa zvikwereti panguva isina kunaka.
Mazhinji emitemo iyi yakagadzirwa kuburikidza nekutsvakurudza kwakaitwa naJonathon Guyton. Iwe unogona kuwana tsanangudzo yakawedzerwa pane zvaakarayirwa kuti zvipi zvekuti zvinhu zvipi zvingashandise kutanga, munyaya inonzi Hurongwa neMitemo uye Maximum Initial Kubhadhara Mitengo pawebsite yake. Nyaya iyi yakatanga kubudiswa mumagazini yaMarch 2006 ye Journal of Financial Planning.
Unofanirwa kutora mari yekubhadhara mari yekubhadhara pamisika yebhebhe.
Mutemo uyu unoshanda senhare yekuchengeteka kuti uchengetedze mari yako yekusarura mari inouya kubva pakukura kwevhu munguva yemisika yebhebhe. Iko kunokonzerwa apo yako ikozvino yekudzoka kwehuwandu iine 20 muzana yepamusoro pane yako yekutanga kubvisa. Inonzwika ichivhiringidza? Nzira yakanakisisa yekutsanangurira mutemo uyu ndeyokushandisa muenzaniso.
Fungidzira iwe une $ 100,000 uye iwe unotanga kubvisa 7 muzana kana $ 7,000 gore roga roga.
Imusika inowira kwemakore anoverengeka uye kukosha kwepodfolio yako iko zvino kune $ 82,000. Izvo chete $ 7,000 kuregera ikozvino 8.5 muzana yeiyo podfolio yako inokosha. Kubva paunenge watora kubva zvino unomiririra chikamu chakakura chepodfolio yako, iyi "mutengo wekupera" mutemo unopinda mukati, uye unoti iwe unofanira kuderedza kusvitsa kwako kwegore rino ne10 muzana. Mumuenzaniso uyu, kubvisa kwako kunobva kubva $ 7,000 kuenda ku $ 6 300 zvegore.
Zvakawanda sehupenyu chaihwo, apo mamwe makore iwe unogamuchira bhonasi uye mamwe makore mubhadharo unodiwa, mutemo uyu unowedzera kuchinja kwaunoda kuti utsungirire kuchinja mamiriro ehupfumi.
Apo nguva dzakanaka, iwe unokodzero yekusimudza.
Uyu mutemo wokupedzisira ndiwo unofarira vanhu vakawanda. Kusiyana nemutemo wekubhadhara mubhadharo, unonzi hutongi hutongi. Inotaura kuti chero bedzi iyo porefidho yaive nekudzoka kwakanaka mugore rakapera, unogona kuzvipa.
Kuwedzera kwako kunotarirwa nekuwedzera kuwedzerwa kwepamwedzi pamwedzi zvichienderana nekuwedzera kwemutengo wekutengesa index (CPI). Kana iwe waive uchibvisa $ 7,000 pagore, mutengesi wakadzoka zvakanaka, uye CPI yakakwira ne3 muzana, uye gore rakatevera iwe waizotora madhora 7,210.
Kutevera mitemo iyi kunotora kurangwa. Mubairo inzvimbo yakakwirira yekusunungurwa mari, uye kuwedzerwa kukwanisa kuchengetedza simba rekutenga.
Zvakakosha kuita zvisarudzo zvakajeka pamusoro pemari yako. Kana izvi zvose zvinotengeswa "mumbo jumbo" zvinowedzera simba, tora danho shure, uye funga nezvazvo sechinhu chitsva. Zvinotora nguva kudzidza zvidzidzo zvitsva. Yeuka, zvisarudzo zvakanaka zvichakubatsira iwe kuti uwane mari yekubvisa mari iyo ichagara.
Usati waita hurongwa hwekubvisa mari yako pachako, tora nguva yekudzidza zvakawanda iwe unogona. Edza imwe yezvikamu zvekutsvaga muIndaneti kuti udzidze zvakawanda. Kana iwe uchitsvaga mazano emhizha kubva kune anokwanisa-iwe chete mupi wehupfumi wehutano uite kuti uwane mumwe munhu anoziva nekutsvakurudza kwakapfuura munzvimbo ino.