Kuvaka Classic 3-Fund Portfolio ne ETFs

Nzira Yakakosha Yakavaka Dhipfactfolio

Zvikamu zvitatu zvezvikwata zvemari zvakave nzira yakakurumbira yekuisa mari mumisika yezvemari, zvichipiwa kuve nyore kwavo uye kubhadhara mitero kune mamwe ose-mune-imwe mari. Nenzira yakawanda, zvikwata izvi zvinosanganisira imwe yezvinyorwa zvekuchengetedza mari, imwe yenyika yemari inowanikwa mari , uye imwe bond index fund. Pfungwa iyi ndeyekuti vatengesi vanowanikwa kune makirasi makuru easset muzvinyorwa zvisiri zvitatu zvekuchengeteka.

Zvichienderana nechikwata chemuwemari wehupenyu, zvakasiyana-siyana zvigaro zvinogona kusarudzwa pane imwe neimwe yezvikamu zvepodfolio. Vashandi vechidiki vanogona kupa mari yakawanda kune riskier equities, asi vashandi vekare vanogona kuwedzera zvimwe kune zvakachengeteka zvehutano hwehupfumi. Nokufamba kwenguva, izvi zvakagadzirirwa zvingashandurwa kuitira kuti zvive nechokwadi chokuti mutengesi anoramba ari mukana wekuda kwezera ravo.

Muchikamu chino, tichacherechedza kuti tingasarudza sei mari yakakodzera apo tichivaka chikwereti chepamusoro kuti tive nekudzokorora maitiro ekugadzirisa njodzi kwenguva refu.

Nzira Yokusarudza Mari

Izvo zvikamu zvitatu zvemari zvingaratidzika sechirevo chiri nyore pamusoro pepamusoro, asi pamwe nezviuru zvemari yakasiyana-siyana yokusarudza kubva, inogona kukurumidza kuita basa rinotyisa kune vashandi vanoita. Nenzira inofadza, pane mitemo iri nyore iyo vashandi vanogona kushandisa kuitira kuti vave nechokwadi chokuti vari kuwana zvakanakisisa kugadzirisa, izvo zvinoita kuti zvive nyore kuderedza pasi rose rezvemari mukati mavanotarisirwa kuverenga.

Zvinhu zvakakosha zvinoshandiswa kutarisa mune imwe ruzivo mari ndezvi:

• Kubhadhara mari - Mari iyo muteja wechikwama anozvipira semuwandu wezvinhu gore negore inozivikanwa sehuwandu hwemari (zvichida, nhamba iyi inofanira kuva yakaderera).
• Kudyidzana - Kunofanira kunge kune nhamba yakakwana yezvikamu zvakatengeswa zuva roga roga kuti udzikise dambudziko rekusagona kutengesa zvikamu zvako .

• Kufukura Chikanganiso - Chikwata chinofanirwa kunyatsoratidzira huwandu huri pasi nepfupi zvikuru nenzira yezvikanganiso zvekutevera (kunyanya muTFF dzenyika dzakawanda).

Vazhinji vatengesi vanoita basa rechitatu-fund portfolio strategy vanowanzobatana nemumwe mupi we ETF pakusarudza mari. Semuenzaniso, Vanguard naSchwab vari vaviri vanotengesa ETF vasingakwanisi uye vane zvakawanda zvingasarudzwa. Kubatsirwa kwekushandisa iyecheteyo mupiro ndechokuti zvinoita kuti zvive nyore kutarisa mari iyo nguva, sezvo michina inosvika panguva imwe chete nezvose.

Muenzaniso mukuru unogona kuva chikamu cheVanguard chinosanganisira Vanguard S & P 500 Index Fund (NYSE: VOO), Vanguard FTSE Yese-World Ex-US ETF (NYSE: VEU), uye Vanguard Total Bond Market ETF (NYSE: BND ). Iyi mari yose ine chikwata chakanyanya kudhura , yakakura zvikuru, uye yakaderera pakuteerera kukanganisa, iyo inoita kuti vatengesi vaonekwe zvakakwana kumisika.

Ndezvipi Chikwereti Chakusarudza

Kune marudzi akawanda akasiyana ehurukuro dzeEFF kusarudza kubva paunenge uchinge watora chikwereti chezvikamu zvitatu. Semuenzaniso, vatengi vanogona kusarudza S & P 500 ETF , yakadai seSSPDR S & P 500 ETF (NYSE: SPY), kana mushamba mukuru Russell 2000 ETF, yakadai saRussell 2000 Index ETF (NYSE: IWM).

Zvose izvi zvinopa maonero eUnited States, asi nenzira dzakasiyana-siyana, izvo zvinoita kuti zvive zvakaoma kusarudza zvakanakisisa.

Mamwe mazano ekusarudza mari yekushambadza anosanganisira:

• Diversification - Vashandi vanofanira kusarudza mari ine zvakawanda zvakasiyana-siyana, zvose maererano nehuwandu hwekuchengeteka uye kupararira pakati pezvikamu zvakasiyana-siyana zvehupfumi. Mukuwedzera, vatengesi vangave vachida kufunga nezvemari isingaenzaniswi nemaketeni emari sezvo iyo inofadza makambani makuru.
• International Bond ETFs - Vashandi vanofanirwa kufunga nezvematongerwo enyika eEFs, sezvo vachipa rutivi rwekuda kwehuwandu hwemamiriro ezvinhu, pane kuvimba nehupfumi hweUnited States. Zvisinei, vatengesi vanosvika pakubhadhara mari vangasarudza kugadzikana maererano nedhora reU.S., izvo zvingaita kuti mhuri dzeEFF dzive dzakanakisisa kusarudzwa.

• Ex-US International ETFs - Vashandi vanofanirwa kuve nechokwadi chokuti kushambadzira kwavo munyika yose hakusanganisi mashizha eUnited States, sezvo ivo vaine hutano hunoenderana nemusika iwoyo kune chimwe chetatu chepodfolio yavo. Saka, izvo zvinonzi "vekare veUnited States" ETFs dzenyika dzakawanda dzinowanzonyanya kunzwisisa.

The Bottom Line

Vashandi vanofanira kuva nekambani yakawanda yemakambani eU.EF equyano, yekare yeUnited States yose-yakakwana ETF, uye yeEt international bond ETF. Nzvimbo dzepaIndaneti dzakadai se ETFdb.com dzinogona kubatsira pakusarudza nzira dzakanakisisa mune imwe neimwe yezvikamu izvi, apo varairidzi vanofanira kuchengeta mazano ataurwa pamusoro apa pavanenge vaita zvisarudzo kuitira kuti vawedzere kudzoka kwavo kwenguva refu.