Zvikonzero Zvokufungidzira Kuwedzera Pakaderera-Indekisi Indekisi Yezvikwereti kuNyaya Yenyu
Maererano nevarume vari kuMotley Fool, vane gumi chete pamakumi gumi emakambani akabatanidzwa akashanda akakwanisa kurova S & P 500 nguva dzose pamusoro pemakore gumi apfuura. Nhoroondo inotitaurira kuti zvishomanana kana imwe yemari iyi ichatarisa zvimwechetezvo mumakore gumi ari kuuya.
Chidzidzo chacho chiri nyore: kunze kwekuti iwe uchigutsikana iwe unokwanisa kusarudza 0.001% yevamwe mari iyo inenge ichirova mushamba mukuru, iwe unofanirwa kushandiswa nekutsvaga mumusika pachako.
Unozviisa sei mumusika pachako? Nokutanga dhora rinodhura hurongwa huwandu hwehuwandu hwezvinodhura mari yemari , unogona kuva nechokwadi kuti iwe uchabuda kunze kwekuita mari yakawanda yakagadzirirwa pamwe chete kwenguva refu.
Zvechokwadi, muzvinabhizimisi akabudirira zvikuru munhau, Warren Buffett, anotsigira kuti avo vasingadi kana vasingakwanisi kuongorora nenjere munhu mumwe nomumwe zvikwereti vanofanira kuisa mari yakaderera yemari yakadai seiyo inopiwa neVanguard.
Sei? Nhepfenyuro yemari inoratidzira zvikwereti zvitatu zvakajeka pamusoro pevamwe vanogadzirirwa zvakasimba :
- Hazvirevi kuongororwa kwekambani kana kunzwisisa kwekugadzirisa, nhepfenyuro yezvemari, kana hurongwa hwepodfolio.
- Vanenge varipo vasina mari yekuenzanisa mari, vachipa kukwikwidza kunokonzera mari pamusoro pemari yakarongedzerwa uye inenge iri kunyatsogadzirisa kushanda kwenguva refu.
- Izvo zvakagadzirwa nezvizhinji kana mazana emakambani. Izvi zvinoderedza kukanganisa kwekambani.
Chii Chinonzi Index Index?
Iwe usati wawedzera chikwereti chekutsvaga kuhofisi yako, zvinotarisirwa kunzwisisa kuti chii. Imwe nyanzvi yemari inoshandiswa pakuratidzira inoratidzira kuratidzira kushanda kweimwe yemakwikwi makuru (eg, Dow Jones Industrial Average , S & P 500 , Wilshire 5000, Russell 2000) , kuongorora uye kuwana pfuma yemunhu mumwe nomumwe, mari yekuenzanisira haisi kunyatsogadziriswa.
Chaizvoizvo izvi zvinoreva kuti zvinosanganisira boka rakasarudzwa risati raasarudzwa risingawanzoitiki, kana rikasadaro.
Mumwe mutengesi akatenga chikwangwani chekambani chakagadzirirwa kuratidzira Dow Jones Industrial Average, somuenzaniso, aizowana mafambiro emitengo inenge yakakwana zvakakwana mukuenzanirana nehuwandu hunotsanangurwa hweDow Jones Industrial Average anonzwa pamashoko eusiku. Saizvozvowo, muridzi wezvikwata akavaka chigaro munharaunda yekuenzanisira yakagadzirirwa kutevedzera S & P 500, chaizvoizvo, kuwana chikwata mune mazana mashanu emakambani anoita iyo index.
Index Funds Haufaniri Kuda Kuongorora Kwekambani uye Zvemari
Nhepfenyuro yemari yakakosha kune avo vasina ruzivo rwekuongororudza zvinobudirira zvekukwikwidzana kwekambani dzakasiyana-siyana, kusiyanisa chirevo chekuwana kubva mubhadharo , kana kuverenga kuderedzwa kwemari inoyerera. Nemhaka yokuti ngozi yekambani yakasiyana-siyana nekuda kwezvizhinji kana mazana emakambani anogadzira chimwe chezvinyorwa zvikuru, kuongorora kwakadaro hakuna kudiwa. Uyezve, inorondedzero yemari inzira inobhadhara yekuwana mazana ematokari paunenge uchidzivirira zviuru zvemadhora mumabhadharo emakwereti ayo angazoita.
Index Funds Kazhinji Ive yakaderera Mutual Fund Expense Ratios
Kunyatsogadziriswa pamwe chete mari inofanirwa kubhadhara mamenenja emapatoti, vaongorori, tsvakiridzo yekubhadhara mari uye zvimwe zvakadaro.
Izvo zvikamu zvehomwe mari yose inoshandiswa kusanganisira iyo 12b-1 mari inopatsanurwa nemavhareji ayo emitengo inoshandiswa inozivikanwa sehuwandu hwemari. Nemhaka yekuti index yemari haisi yepamusoro (uye haifaniri kutora chimwe chezvinhu zvataurwa pamusoro apa), chiyero chebhadharo chinenge chisingaenzaniswi nechengeti mutual fund. Zvinoreva kuti mari shoma yemurimari inoenda kubhadhara pamusoro, kubhadhara, uye kutengesa mari. Pamusoro pemakore akawanda, mari shoma inobatanidza nehurongwa hwemari inogona kuita kuti kuve nekuvandudzwa kwekushanda.
Chimbofunga zvinotevera: Kuona nokukurumidza paRinvest Finance kunoratidzira kuwandisa mari yehuwandu hwekukura uye mari yekuita mari mutual funds ndeye 1.29%. Somugumisiro, inenge $ 1,883 yemari ye $ 10 000 inotengeswa pamusoro pemakore gumi ichaenda kune yekambani yekambani nenzira yemari. Enzanisa izvozvi neVanguard 500 fund, yakagadzirirwa kuratidzira nhamba ye S & P 500, iyo inowedzera chikamu chebhadharo gore negore che 0.12% chete, zvichiita kuti makore gumi akawedzerwa mari ye $ 154 ye $ 10 000 inotengeswa.
Mune mamwe mazwi, kuburikidza nekutsvaga mari muVanguard fund, mubhadhari achava ne $ 1,724 akawanda anomushandira. Kuwedzerwa pamusoro pehupenyu hwekutsvaga hupenyu, musiyano unokosha.
Index Index Kubhadhara Mishandira Yakanakisa Paunenge Uchitaridzana Nenguva Dzebhadha Kuda Kushandisa
Pakukwirira kwekutengesa kwemari yemakore ema1920, Dow Jones Industrial Average yakazosvika pakakwirira ye 381.17. Muna 1932, Dow yakaputika kusvika 42.22. Yakatora makore makumi matatu nematatu (1929 kusvika muna 1955) kuti idzoke kumwero we1929. Mumwe munhu aisimudza mari yake yose pakakwirira angadai akamirira makore anopfuura makumi matatu kuti aparadze kunyange! Kana, kunyange zvakadaro, akanga atanga dhora rinodhura purogiramu yakawanda, angadai akaita mari yakawandisa nemhaka yeavo yakaderera mashizha ehovha yepamusoro apo nguva yemusika yakadzokera kune imwe yenhamba yapfuura. Akabatanidzwa nezvikomborero zvakare, angadai akaputsa kunyange mumakore mashomanana chete, uye nenguva iyo mumusika wakazosvika pakatarisana nawo, wakaita zvakanaka kwazvo.
The Drawbacks of Index Funds
Imari yose inoshandisa zvigaro zvezvikwereti uye zvinetso, uye izvo zvinosanganisira mari yekuenzanisa. Pasinei nekuva sarudzo yakanaka kune varairi vemazana.