The Best Schwab Funds uye Nzira Yokushandisa Mayo
Hazvifaniri kuvhiringidzwa naCharles M. Schwab (kukudzwa kwesimbi uye muenzaniso wenguva dzose wekubudirira wakashandiswa mubhuku rakakurumbira raDale Carnegie, 1936, Maitiro Okukunda Shamwari Nevanhu Vanopikisa ) Schwab muvambi Charles R.
Schwab iri pakati pemapiyona e-do-it-iwe pachako iwe unotengeswa nehuwandu hwake nehuwandu hwekudhura kwemari kushandiswa kwemari uye kusarudzwa kwakanyanya kwemutoro wekutengeserana mari .
Anonzi mushure mutevedzeri wayo, Charles Schwab Corporation isiri yekutengeserana ikambani inopa hurumende mari pamwe nemari yemari kune umwe wevatengesi. Yakatangwa muna 1971 pasi pezita rokuti First Commander Corporation, Schwab akatanga kupa rubatsiro rwekutengeserana kune vamwe vanhu pakuderedzwa muna 1975. Nguva iyoyo isati yaitika, kuisa mari mumusika wekutengesa kwaionekwa sokutanga somunhu akapfuma.
Asi ndeipi mari yakanakisisa yaCharles Schwab uye angaita sei mubhadhati kuvaka chikwata chemahofisi navo? Iwe wakasvika panzvimbo yakakodzera yepinduri!
Tanga neIyo Best Portfolio Structure
Tisati tasarudza mari yakanakisisa yeSchbbb inoshandiswa kuhofisi yedu yepodfolio, tichadzorera hurongwa huri nyore asi hunobudirira hwehupfumi, hunoti hukuru uye sataneti , izvo zvinonzwika: Inzvimbo yepamusoro inovakwa nepamusoro pe "kubata," guru-cap stock index mutual fund, iyo inomiririra chikamu chikuru chepodfolio, nemamwe marudzi emari-iyo "satellings holdings" -kunge iine zvikamu zviduku zvepapotipoti kuti apedze yose.
Ma satellite anowanzova nemari kubva kumarudzi akasiyana-siyana, akadai sekunze kwenyika, madiki-cap stock, mari yezvisungo, uye dzimwe nguva mari .
Chinangwa chikuru chekugadzirwa kwepodfolio iyi ndechokuderedza dambudziko kuburikidza nekusiyana-siyana (kuisa mazai ako mumabhasiki akasiyana) paunenge uchiwana kudzoka kwakakwana kusangana nemagariro ezvenguva refu yevatengesi.
Muenzaniso wePortfolio yeCharles Schwab Zvikwereti
Iye zvino zvati tine unyanzvi hwekugadzirisa mapurisa edu eT. Rowe Price mari, tinogona kutarisa muenzaniso unogona kushanda semuenzaniso wekuvaka nzvimbo yako yekusimudza:
- 40% Schwab S & P 500 Index (SWPPX): Makuru-edzi-stock index
- 15% Schwab International Core Equity (SICNX): Sangano rekunze
- 10% Schwab Small-Cap Equity (SWSCX): Zviduku zviduku
- 35% Schwab GNMA (SWGSX): Hurumende Dzepakati Pakati-Bonds
Izvi zvakasanganiswa neSchwab mari muenzaniso wepodfolio , iyo yakakosha kune mutyairi ane rurerekedzo (pakati) ruregerero rwekutambudzika uye nguva yakatarwa yemakore anenge mashanu. Vashandi vemazana vanozvipira kugamuchira nguva dzekutengesa misika kusinganzwisisiki (ups uye pasi mu kukosha kwebhuku) mukutsinhana kwekugona kukwanisa kudzorera kudzoka kwekunze kwema inflation nemuganhu wakakura. Izvo zvakasarudzwa kugoverwa kuputika 65% ematokari uye 35% zvisungo.
Kushandiswa kwemari yezvikamu kunosarudza. Schwab haina sarudzo yakasimba yemari yezvikamu, ndicho chikonzero ivo vasina kubatanidzwa muchikwata ichi. Kana mutengi achisarudza kuwedzera zvikamu, vanofanirwa kuve nechokwadi chekuchengeta kugoverwa kunenge 5% kune imwe neimwe yega uye edza kusapfuudza zvikamu zve15% zvakagoverwa kune zvikamu (kureva 5% yakagoverwa nemari 3 yemari yakasiyana).
Iwe unogona kuonawo kuti iyi chikwereti ine mari ina mairi. Mari idzi ina dzakasiyana zvakasiyana-siyana zvokuti hakuna chido chemari yakawanda muhopetiyo. Kazhinji iyi pfungwa yakanaka kuva nemari mitatu asi kwete kupfuura makumi manomwe kana masere mune imwe mbiri.
Pasi Pasi
Schwab Funds inogona kunge iri yekutengesa imwe chete yekutengesa yepamusoro-soro mari yekutengeserana mari yekutenga chete $ 100 chete . Hazvina mhosva kuti Schwab mari ipi yaunosarudza, ingova nechokwadi kuti uri kushandisa kusanganiswa kwakasiyana-siyana kwekutengeserana kwezvikwata zvekutevera uye kutevera mitemo iyi pakutsvaga mari pamwe chete .
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.