Kukura vs Kukosha: Ziva Kusiyana uye Kupa Mari Zvakanaka
Mumashoko akasiyana, vashandi vanobudirira vanonzwisisa zvavanenge vachiita uye nei vachiri kuita. Hezvino izvo zvingaziva kana zvinosvika pakukura kwemari nemari mari.
Chii Chinokura Mutual Funds uye Vanoita Sei?
Kuwedzera mari yemari ndeye mari iyo inobata zvikwata zvekukura, izvo zvinosungirirwa zvekambani dzinotarisirwa kukura pamwero wekukurumidza maererano nevose mushambadzi wekutengesa.
Kuwedzera mashizha kunowanzoita zvakanaka apo hupfumi huri pakati pekupedzisira-gore rebhizinesi rezvebhizimisi, apo mari yekambani ine hutano. Tsika dzekombiyuta , dzakadai seAppl ( AAPL ) uye Facebook ( FB ) , uye mabhizimisi emagetsi , zvakadai saDisney ( DIS ) uye Home Depot ( HD ) , mienzaniso yakanaka yeikuwedzera stock mutual fund mameneja kutenga zvigodhi zvavo. Asi kuwedzera kwemari yemari havasi vose vanotenga mabhii makuru, makuru-aka akadai. Vanotengawo zviduku-uye mid-cap cap stock stock yekambani dzamunogona kunge musati munzwa nezvazvo asi inogona kunge iri guru rinotevera kukura kambani.
Kukura kwemari kunobhadhara zvishoma kana zvisingabatsiri kuitira kuti kudzokera kumudzimai kuonekwe kuburikidza nemutengo kukoshesa kwekutsvaga kwekutsvaga; nepo kudzokera kumudzimai wekukoshesa mari / mari inogona kuve kusanganiswa kwekutengo kuonga nekuzvipira (zvikamu).
Kuwedzera mari nguva zhinji (asi kwete nguva dzose) kune izwi rokuti "kukura" mumazita avo. Mienzaniso inosanganisira Vanguard Growth Index (VIGRX ) uye Fidelity Growth Company (FDGRX) .
Chii Chinonzi Mutual Funds uye Inoshandisa Sei Mari?
Kukosha kwemari mutual funds inonyanya kuisa mari muzvikwama, izvo zvikwereti izvo mutengi anofunga kuti anotengesa pamutengo unenge wakaderera maererano nemari yekuwana kana zvimwe zvidzidzo zvinokosha.
Muchirevo chisinganzwisisiki, kukosha kwevatengesi kana kuti maneja wemari ari kutarisira zvikwata zvinotengesa pane "kutengesa;" ivo vanoda kuwana chinhu chakanaka. Vaya varairidzi kana vatungamiri vanowanzoshandisa kuongorora kwekutanga kunosvika pakutsvakurudza uye kuongorora makambani kuti vaone kana sara (s) inofanira kutengwa - kuona kana iri "kukoshesa."
Asi panzvimbo yekuita zvose tsvakurudzo uye kuongorora, nzira dzinobatsira dzekuwana kuonekwa kune kukosha kwezvikwata ndeyokutsvaga mutual fund pamwe nechinangwa chinokosha. Vazhinji vanokoshesa mari yemashezi vane shoko rokuti "kukosha" muzita ravo. Mienzaniso inosanganisira Vanguard Value Index ( VIVAX ) uye Fidelity Value ( FDVLX ) .
Nheyo uye mari yemari inobhadhara chikamu inowanzoonekwa semari inokosha uye iyo inobhadhara zvishomanana kana zvisingabatsiri inonzi inowedzera mari. Saka chinangwa chikuru chekushandisa mari yekukosha ndeyekuwana mari kana kugovera. Mumashoko akasiyana, mutengi anoda kana kuti anoda chikamu chekugoverwa semugove wekuwana mari. Ichi ndicho chikonzero mari inokosha mari inowanzonzi "mari yemari." Vanhu vakapinda muhurumende ndivo vanowanzoita mari yekushambadzira mari inokosha yemari yekuwana mari.
Value fund investors vanogonawo kusarudza kuva nezvikwereti zvakagadziridzwa kutenga zvimwe zvikamu zvehomwe. Iri sarudzo inowanzoonekwa kune vanhu vanofarira kukosha kwekutsvaga mari asi havadi kuwanikwa mari (vanoda kukura mari yavo yemari).
Nokudaro kukoshesa mari yekoti inogona kutengwa kuitira chinangwa chekureba kwenguva refu, kunyange zita kana chinangwa hachisi chaizvoizvo "kukura."
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.