Kuparadzira Ngozi Yenyu kuburikidza NeApaid Allocation

Diversification ndiyo inowanzoita kuti zvibudirire mune zvemari

Ngatitii pakupera kwema1990 iwe uri we tech-self yakaziviswa. Basa rako raiva mu tech. Iwe wakavaka basa mu tech. Waiziva teknolojia yakanaka pawakaiona. Iwe wakadururwa kupinda munharaunda ye tech, uye iwe waiva mutendi wechokwadi mune ramangwana re tech. Pakauya nguva yekuisa mari yako, iwe wakaisa kupi mari yako? Mu tech, hongu.

Vanhu vakawanda vakaita chinhu chimwe chete uye vakapfuma kwazvo papepa.

Asi gong yakaenda kune imwe nzvimbo pakuguma kwe2000 ichiratidza chikwata chekambani ye tech, inozivikanwa se dotlick kana tech tech iyo shure. Kukosha kwematanda iwayo kwakawira zvakanyanya zvokuti vanhu vazhinji vaisagona kutenda kuti zvaive zvichiitika. Saka vakaiona ichidonha uye vakatarisa kuchengeta kwavo kuenda nayo.

Iko kwakange kuri kuve nekunyangadza kwepabonde munyika yekutsvaga sezvo dutch yakatanga kutengesa tulips. Asi apo mabhudzi iwayo akaputika aive vatengesi vaiva nemari yavo yose mune izvo zvinhu izvo zvakatambura zvikuru. Vanhu vakashandisa chimwe chinhu chinonzi Asset kugoverwa kumahofisi avo kazhinji kacho zvakanyanya kubudirira.

Paridza Pfuma

Nhaka yekugoverwa ndeyekuparadzira huwandu hwekutsvaga mari yezvikwata pakati pezvinhu zvakasiyana-siyana, zvakadai sematokisi, zvisungo, uye mari. Iyo nzira inokosha yekuchengetedza pangozi yekurasikirwa nemari yako, iyo inowanikwa mukutsvaga mari. Kune vashandi vezvemari vane hutano, mumwe anogonawo kufunga kugoverwa kwezvinhu pakati pezvikwereti uye kushandiswa kwemunharaunda semufananidzo wenhaka yekugovera.

Iwe unopa sei zvinhu zvako mukati mezvikamu zvinotarisa kwaunenge uri muupenyu hwako. Unofanirwa kubvunza mibvunzo miviri: nguva yangu ndeyekupi kwekutsvaga kwangu uye ingozi yakawanda yandingaita sei.

Time Horizon

Pane pane chinangwa chemari chaunenge uri kuchengetedza here? Kurega ? College tuition ? Kutenga imba ?

Ipapo nhamba yemwedzi kana makore yaunenge uri kure nemari iyo ndiyo nguva yako yekutsvaga nguva. Kana iwe uchinge usati wasvika pane izvozvi, iwe unowedzera kukwanisa kutora dambudziko guru uye yakawanda mubairo wako unogona. Nguva yakareba inotenderera inobvumira mubhadhari kutarisa matanho nekuderera kwebhizinesi rezvebhizimisi uye yemisika. Munhu ari mumakore makumi maviri nemakumi maviri ekuponesa kwekurega basa ane makore makumi mana ekuvaka dendere mazai. Mubereki anotanga chikoro chekoroji yemwana ane makore gumi ane makore masere kana mapfumbamwe chete.

Dambudziko rekutsungirira

Vashandi vanoita utsinye ndivo vanhu vanogona kurarama nemukana mukuru wekurasikirwa mari mukutsinhanisa zvingava nemigumisiro yakakwirira. Munhu iyeye aizoisa mari yavo yakawanda mukukura kwematokisi, somuenzaniso, panzvimbo yebhadharo yebhadharo yebhadharo. Mutevedzeri wekugadzirisa mari kune mumwe munhu ane urombo huri pasi pengozi uyo anofarira zvikwereti zvinopa mari yakagadziriswa, zvakadai sezvisungo pamusoro pemari yekuonga. Vatorwa, avo vari kunze kwebasa uye vanovimba nemari yavo yekuwana mari, kazhinji vane chikamu chikuru chezvisungo kana zvimwe zvikwereti zvinowedzera mari muzvikwereti zvavo.

Nhoroondo yezvikamu zvitatu zvakakura zvezvinhu - zvikwata, zvisungo , uye mari - hazvina kufamba pamwe chete pamusika gyrations.

Chinhu chipi nechipi chiri kuitika munyaya dzeupfumi chinokonzera kuti munhu aite zvakanaka kazhinji ane chinetso chakaipa kune umwe. Nekubatanidza zvose zvitatu mumapatotikiti, unogona kukanganisa chero kukanganisa kwakanyanya kunogona kuitika mukirasi. Nzira yekuita mari kuburikidza nemari yekugoverwa ndeyokutarisa nguva yako iri mberi, unzwisise kushivirira kwako kune njodzi uye wozogovera mari yako pakati pezvinhu zvechisimba kana zvekuchengetedza. Iyo yakareba nguva yakatarisa, inonyanya kushungurudzika kune imwe nzvimbo inofanira kuva.