Nzira Iri Nyore uye Iwe Unoshanda Zvakananga neChikwama
Mupepeti wekunyora: ichi ndicho chimwe munyaya dzezvinyorwa zvichitarisa mari pamwe chete uye basa ravo mukuisa mari.
Vashandi vanogadziriswa kutenga mumwe munhu mashomanana vangawana kuisa mari mune mutual funds zvisinganyanyi kuvhiringidza. Muzviitiko zvakawanda, mutengo wemari unotengeswa uye unotengeswa zvakasiyana pane zvigadzirwa zvemunhu mumwe nomumwe.
Kuti tinzwisise nzira iri nani, ngatitangei nemari iyo mutengo wemari inotengeswa.
Zvimwe zvikwata zvinodzokodzwa nguva dzose panguva dzekutengesa zvichienderana nehuwandu hwekupa uye kudiwa.
Paunotenga chikwata, iwe uri kuve muridzi wega wekambani.
Kana iwe uchitenga muchikwata chekutengeserana iwe uri kutenga chikamu chakanaka muchikwereti chezvinhu (kazhinji mashizha, zvisungo, uye zvigadzirwa) Zvigadzirwa zvemunhu mumwe nomumwe zvinodzokodzwa nguva dzose panguva dzekutengesa zvichienderana nehuwandu hwekupa uye kudiwa.
Paunotenga muchikwata chemari iwe uri kutenga chikamu chakanaka muchikwata chezvinhu (kazhinji mashizha, zvisungo, uye zviwanikwa.
Zvimwe zvikwata zvinodzokodzwa nguva dzose panguva dzekutengesa zvichienderana nehuwandu hwekupa uye kudiwa. Paunotenga chikwata, iwe uri kuve muridzi wega wekambani. Paunotenga muchikwata chemari iwe uri kutenga chikamu chechidimbu muchikwata chezvinhu (kazhinji zvikwata, zvisungo uye zvigadzirwa.
Stock price
Zvimwe zvikwata zvinodzokodzwa nguva dzose panguva dzekutengesa zvichienderana nehuwandu hwekupa uye kudiwa. Paunotenga chikwata, iwe uri kuve muridzi wega wekambani.
Paunotenga muchikwata chemari iwe uri kutenga chikamu chakanaka muchikwata chezvinhu (kazhinji mashizha, zvisungo, uye zviwanikwa.
Mari inowirirana inotengwa zvakasiyana pane zvikwata. Imwe mari yakawanda inobhadhara mari yakawanda sezvo vanhu vanoda kuitenga, asi nhamba dzezvikamu zvakakwana zvesaiti dziripo.
Iyi mari inozivikanwa semari yekuvhara pamwe chete. Semuenzaniso, kana mari inokonzera mamiriyoni maviri egovana uye ine $ 30 mamiriyoni muzvinhu, mugove wega wega unotengeswa pa $ 15 per share. Kune mari imwe neimwe ye $ 15 inotengeswa, mari yemari yacho inowedzera nemari iyoyo uye mutengo wemugove unoramba uri pa $ 15 nokuti mari yacho inotora zvigaro zvitsva pamutengo uno ($ 15). Mutengo iwoyo ndiwo unotaurwa mumapepanhau uye paIndaneti uye unozivikanwa sewe net assets value.
Nhamba yekutengeserana kwenyika ndiyo kukosha kwezuva rimwe nerimwe rekubatanidza mari iyo inosanganisira zvinhu zvose zvisingakwanisi chikwereti chemari chechikwata chinoshandurwa kusvika pamutengo wekugoverana. Uyu ndiwo mutengo waunotenga uye unotengesa mutual fund mitsva paunotarisana zvakananga nekambani.
Iko kuverenga kwehuwandu hwekushandisa mari yakanyanya kuoma kupfuura muenzaniso uyu wakajeka nokuti mari haisi kungotengesa zvikamu - iri kutenga uye kutengesa mashizha uye / kana zvisungo, kugadzira uye kutengesa zvimwe zvikwereti uye kugovana zvikamu zvevatengesi vanoda kutengesa.
Mukuwedzera, kukosha kwemusika kweko mari yekuchengetedza kunoshandura zuva rega rega uye kunofanirwa kugadziriswa apo mushamba wekutengesa unovhara uye mari yose yekusungira mari ine chivharo chekuvhara. Heino chimiro chisinganzwisisi chinoratidzira kuverenga kwehutengo hwekutengeswa kwemari:
Kutanga kukosha kwemari mari
[plus]
Chero hupi hupfumi hutsva
[plus]
Kugoverwa, kufarira, mari inowanikwa [plus]
Pfuma ipi zvayo mumutengo kana kukosha kwemari yemari
[minus]
Chero kuderera kwekutengesa kana mutengo wemari mari
[minus]
Chero zvikamu zvakadzikinurwa kune varairidzi (zvinhu zvakatengeswa kana mari zvakaderera)
[minus]
Zvikamu, chikwereti kana mari inowanikwa mubhadharo kune vatinhi vemari
[minus]
Fund cost
[zvakaenzana]
New Net Asset Value
Kana iwe uchida kutenga kana kutengesa zvikamu zvehupfumi mukati mezuva, uyu ndiwo mutengo wauchabhadhara kana unogamuchira. Mari iyi inoyera iyo zuva rega roga mushure mekunge magetsi ava pedyo.
Imwe mhando yehurumende yekutengeserana inonzi chivharo chekuvhara-shanduka inoshanda zvakasiyana. Chimwe chikamu chakavhara pamwe chete chinopa nhamba yakasarudzwa yezvikamu. Izvo zvikamu zvinoshandiswa pamakakatani ematengesi akaita sendima yakawanda yemakambani. Nemhaka yokuti kuguma kwakapfigwa kushandiswa kwekutengeserana pamusika wakashama, mutengo wavo wekugovera unotsanangurwa nekutengeswa uye kudiwa.
Kunyange zvazvo magedhi ekuvhara pamwe ekugadzirisa aya ane NAV, vanogona kutengesa pamusoro kana pasi pemutengo uyu zvichienderana kana vatengesi vane chivimbo mune ramangwana rechikwata kana kwete. Iko kune mari yakawanda yakazaruka kune mari yakavharwa.
Iwe uchaziva kuti uri kutenga chikamu chemapfumi chakavhara nokuti inofanira kutengwa kuburikidza nemuthengesi uye iwe unogona kutarisa kuchinja kwemutengo masikati.
Kusiyana nehurumende yekutengesa, iwe unogona kungotenga kana kutengesa chikamu chakavharwa kana magetsi azaruka.
Kutenga uye Kutengesa Mutual Funds
Chimwe chezvakanaka zvekutsvaga mari mumutengo wemari ndeyekushambadzira kwavo, zvichireva kuti unogona kutengesa zvikamu zvako kana kutenga zvakawanda nekuzorora. Mari zhinji inoita kuti kuisa mari nyore, uye zvishoma nezvinyorwa zvepa pepa uye zvingasarudzwa zvekubhadhara.
Mutual fund share inotengwa kubva kune imwe mari uye inotengeswa kumashure. Kunze kwemamiriro ezvinhu apo mutengesi kana vatengesi vanobatanidzwa, iwe unogara uchitarisana zvakananga nehomwe.
Mari inowanikwa pamwe chete haina kunetseka nekutengesa zvikamu zviduku. Kusiyana nemafungiro akafanana, iwe unotenga mutengo wemari mumadhora uye chikwereti chinoshandura huwandu hwekutsvaga kwako muhuwandu hwezvikamu zvinoenderana neAV panguva yekutsvaga kwako, kunyange kana izvozvo zvichiguma nehuwandu huwandu hwezvikamu.
Mazhinji emakambani makuru ekubhadhara mari anoshandisa nzvimbo dzakawanda dzeIndaneti uye mabhendi efonhare yemasitendi kuti apindure mibvunzo uye nzira yekutenga uye kudzikinurwa.