Kurwisa Kuzvipira Nemari Yakanakisisa Yakarongeka

Iko Mari Yakaringana Inogona Kuderedza Njodzi yeMusika

Kana iwe uchida kutenga mari yakanakisisa yemusika unonyangadza, mari yakaenzana inogona kuva chinhu chakanaka chokufunga.

Uye apo mutengesi wemombe unotanga kuwana kururamiswa, kana mushambadzi wakazara webere , kushaya simba (izvo zvakasara uye zvishoma mumatoro ezvigadziro) zvinowanzova zvakanyanya kuzivikanwa uye mari yakaenzana inogona kushandura kunze kumativi ekuderedza kusagadzikana.

Asi chii chinokwana mari uye iyo inobatsira sei vatengesi kuderedza misika yemisika uye kuramba vachiita zvishoma?

Mari Yakaringana Definition

Inonziwo hybrid funds kana asset allocation funds, mari yakaenzana mari inobatanidza mari iyo inobatanidza kusanganiswa kwezvinhu zvinotengeswa, zvakadai sematokisi, zvisungo, uye mari. Iko kushandiswa kwezvinhu , kana kuti "kuenzanisa" kwezvinhu, inoramba yakarongeka uye inoshandisa chinangwa chakataurirwa kana chikwata chekutsvaga mari. Semuenzaniso, mari yekuchengetedza yakawanda inogona kuisa mari inosungirirwa (inowanikwa pasi pengozi) yezvinhu zvakasara zvekutsvaga, zvakadai se 40% mashizha, 50% zvisungo, uye 10% mari yemusika.

Iko Mari Yakarongeka Inoderedza Njodzi yeMusika

Mari yakaenzana inoshandisa mari isingagari nguva dzouchenjeri hwekusiyana-siyana. Kana iwe ukasiyana nemari, iwe uri kutenga nekuchengetedza zvigadziro nehutano hwekuita maitiro uye purogiramu dzengozi. Nzira dzakanakisisa dzekusiyana-siyana dzinowanzobatanidza kubata zvikwereti zvisinganyatsobatanirana kune mumwe nemumwe. Mumashoko akasiyana, kuita basa rakanaka rekuvaka chikamu chemahofisi ehurumende yemari , iwe unoda kusanganiswa kwezvikwata zvemari, zvakadai sematokisi uye zvisungo zvemuenzaniso wakajeka, izvo zvisingaiti zvakafanana kune mumwe.

Izvi ndizvo zvinoshandiswa mari yakaenzana kune vanosimudzira mari: vanovabvumira kutenga imwe yehomwe iyo yakatove yakasiyana-siyana. Basa roga roga rinoshandiswa kune vashandi vekutsvaga nderokusarudza mari yakanakisisa-yakarongeka yakaenderana nechinangwa chekutsvaga kwekutsvaga uye kushushikana kweruzhinji.

Mhando dzeBalanced Funds

Kune matatu matatu makuru emari yakaenzana:

1. Mari inochengetedza mari yakachengetedza: Mari idzi dzinowanzobata mari yezvikwereti, zvisungo, uye mari yakakodzera kune vashandi vanochengeteka - avo vasinganzwisisiki nehuwandu hwekutsvaga mumatengo. Imari yekugoverwa kwemari yakachengetedza mari yakawanda inowanzokomberedza 35% yematokari, 60% zvisungo, uye 5% mari.
2. Mari Yakaenzana Yakananga : Mari idzi dzinowanzobata mari yezvikwata, zvisungo, uye mari yakakodzera kune vashandi vemahara vasingafungi zvimwe kuchinja kwematengo asi kwete zvakadai sehomwe ine 100% inogoverwa kumatokari. Chimiro chekugoverwa kwemari kune imwe yeruzhinji yakaenzana mari ndeye 65% mashizha, 30% zvisungo, uye 5% mari.
3. Mari Inokurudzira Kuenzanisa : Mari idzi dzakarongeka dzichava nekugoverwa kwepamusoro kwezvikwata uye zvakakodzera kune vashandi vanogara vakagadzikana nehuwandu hwemashamba. Zvisinei, kugoverwa kuduku kuzvisungo kunogona kupa huwandu hwezvinhu zvinogona kukonzera kutengesa kwekutengesa kwakaderera kudarika mumusika wekutengesa, sekuenzaniswa neS & P 500 index. Sangano rine utsinye rinokonzera ruzhinji ruchava nekugoverwa kweanenge 85% mashizha uye 15% zvisungo.

Vashandi vanofanirwa kuchengeta mupfungwa kuti kugoverwa kwemari kune mari yakaenzana inoramba yakagadziriswa. Nokudaro, havafanire kuvhiringidzika nechinangwa-chezuva rekubhadhara mari , iyo inoshandiswa inoshandiswa pane nguva.

Yakanakisisa Mari Yakaderedzwa Yokuderedza Kusagadzikana

Nokugadzirwa kwavo kwakanyatsogadzirwa, marudzi ose emari yakaenzana anogona kuderedza kusagadzikana, kana ichienzaniswa nepapotipoti iyo ine 100% inogoverwa kumatokari. Nokudaro "mari yakanakisisa-mari" kune mumwe munhu anokwanisa kuisa mari inobva pane iyo inowanzoita mari yekutsvaga mari uye kushivirira kune njodzi.

Zvisinei, kazhinji, mari iyo inogona kuita zvakanakisisa mumisika yebhebhe, kana mitengo yezvikwata ichiwa kupfuura 20%, inoshandiswa mari yakajeka.

Chimwe chezvinhu zvakanakisisa mari inoshandiswa mumutengo wemari pamwe chete ndeyeVanguard Wellesley Inowanikwa (VWINX) . Muna 2008, apo nhamba yeS & P 500 yaiva nedonho guru re -37%, VWINX yakanga iine kudzoka kunokwana -9.8%. Kunyange zvazvo kudzoka kusina kunaka hakusi chiitiko chakanaka kune vashandi vanochengeteka, iyi yekudzoka kwa2008 yakarova 90% yeimwe mari inoshandiswa mari inoshandiswa.

Nokuda kwepfungwa yakajeka, makore gumi nemashanu anodzokorora kuburikidza naDecember 31, 2015, inoshamisa 6.8%, iyo inokwidza 97% yekuchengetedza mari inoshandiswa.

VWINX ine nhaurirano yekugoverwa inenge 38% yematokari, 60% zvisungo, uye 2% mari.

Kana iwe usingafungi kutora ngozi yakawanda, imwe yepamusoro yakakwana yekugoverana mari ndeyeVanguard Wellington (VWELX) , iyo inogoverwa inenge 65% yezvikwata, 34% zvisungo, uye 1% mari.

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.