Kuwana Mari Yakanakisisa Inowanikwa Nekuregedza Zvakaipisisa

Ndezvipi zvakanakisisa gumi zvakanakisisa mari yekubatana nguva yose? Nyora yakaita seyi inogona kunge yakaoma kupedzisa nokuti kune mari inopfuura 30 000 inowanika kune vashandi, kana iwe unosanganisira zvose zvikamu zvekugovera uye Exchange Traded Funds (ETFs). Asi, kana iwe uchiziva chatinofanira kutarisa mune imwe mari , kubhadhara pane zvakanakisisa kungava nyore. Iwe unogonawo kutevera nzira yakafanana apo uchitsvaga mari yakanakisisa yepodfolio yako.

Tsvaga Mari Yakanakisisa Nokubvisa Zvakaipa Kwazvo: Hezvino Zvamunofanira Kudzivisa !

Sezvo chero munyori akanaka werwendo rwakadai saizvi aizodaro, ndisati ndapa runyora chaiyo , ndichatanga nyaya neyangu yekugadzirisa zvigadziro zvekusarudza gumi. Uyewo, zvakafanana nemumwe muvakiti akachenjera achaita kuti awane mari yakanakisisa pamabasa avo, vanobvisa mari yakaipisisa .

Cherechedza: Handikurudziri kuputsa chikamu ichi, asi kana usina imwe maminetsi mashomanana, unogona kutevera hukama huno kune yangu Top 10 Best Mutual Funds.

Heano maitiro uye unhu hwemari yandakabvisa pakarepo kubva pane zvakanyorwa:

• Usashandisa Load Funds: Mutual fund mitoro imisheni kana mari inobhadharwa kune vatengesi kuti vatenge (mutambo wokupedzisira-mberi) kana kutengesa (mushure mokunge mutoro) zvikamu zvemari pamwe chete. Chikonzero chega (uye hachisi kunyange chikonzero chakanaka) kutenga chikwereti chemari nemutoro ndechokuti iwe unoda kushandisa mupi wezano kana kuti mutengesi unobhadharwa nemakomisheni kukupa mazano. Asi kune zvakawanda zvakasara zviripo--mari mari yekusarudza kubva muzvinhu zvekutsvaga uye mhando dzakanakisisa dzevadzidzisi vekutsvaga mari havabhadharwi nemakomisheni; ivo chete vanobhadharwa newe; ivo chete vanoshandisa mari yakanakisa ye--mari yemari uye mari -yaived money . Nokudaro, mari iyo inobhadhara mutoro haizoiti nzvimbo yangu yepamusoro gumi.

• Cherechedza Mari Yakavanzwa: Kana ukanyatsoteerera, iwe unogona kuraswa nyore (uye naizvozvo kuripa) zvisina kukodzera mari. Mhedzisiro inonyanyozivikanwa yakavanzwa ndeyemari 12b-1, iyo inofanirwa kuvhara mari yekuchengetedza mari yakadai sekutengesa uye zvekushandisa mari. Mari yacho inogona kunge yakareba se100%, iyo yakakwana kukubhadhara mazana emadhora munguva! Hapana nhamba yegumi 10 yemari inobhadhara mari yakakodzera yekubudiswa inosanganisira mari pamwe nemari 12b-1.

• Dzivisa Kuwedzerwa Kwezvokudhura Mazano: Kutenda kana kwete, vamwe vakatakura mari vane mari shoma uye vamwe vasina mari-nemari vane mari yakawanda. Pasinei nehuwandu hwemari kana kuti kuvapo kwemutoro, iwe unofanira kubvisa mari iri pamusoro pemari yekuenzanisa mari , iyo inonyanya kukosha kwekutarisira chikwereti. Pano mamwe mazana akawandisa:

Makuru-Cap Stock Funds: 1.25%
Mid-Cap Stock Funds: 1.35%
Small-Cap Stock Funds: 1.40%
Kune dzimwe nyika Nhamba dzeMari: 1.50%
S & P 500 Index Chikwereti: 0.15%
Bond Funds: 0.90%

• Rega Short Performance History: Izvi zvinofanira kuva zvisina-brainer. Kushanda kwenguva pfupi , izvo zvandichazozvitsanangurira pasi pemakore matatu, hazvina kupa chero zviratidzo zvehutano hwekutengeserana. Isu tose tinoziva kuti kushanda kwekare hakuna chivimbo chezviitiko zvemunguva yemberi asi kana chikwereti chinotangira zuva chairo kana makore maviri apfuura, hauzove nehuwandu hwekuita sarudzo pamusoro pokutenga chikwereti. Semuenzaniso, kana mari yacho ine makore maviri emakore uye makore maviri adarika ave misika yemombe , hapana chinoratidza kuti mari iyi ingagone sei mumisika yebhebhu . Zvisinei, mitemo yeruzhinji rwangu rwepamusoro gumi ndeyepamusoro: Ndakabvisa mari yose nechepasi pemakore gumi emakore. Chikonzero apa ndechekuti mavhareji akazara-kutengeserana (nguva iyo inosanganisira zvose mumakambani emombe uye mumusika webhebhe) makore mashanu kusvika kune manomwe. Zvakanyanya kuwedzerwa kuva nechikwama nepamakore gumi-gumi ekugadzirisa kwepamusoro kune chikwereti chinonyanya kushanda makore mashanu.

• Usatenga Mari Yakashanda-Yakatarirwa Nayo Brief Manager Maitiro : Kufunga pamusoro pehutano husina kunaka hwakafanana nehupfumi hwemakore. Kana iwe ukawana mari inotaridzika zvakanaka mune imwe neimwe nzira asi mutungamiri wezvikwama wange achingova pachigaro kwemwedzi 6, hauna kuratidza kuti maneja achaenderera mberi nenzira yakafanana nemutungamiriri wekare. Nokudaro mari yakanakisisa, kunyanya mari yakachengetedzwa , ichava nemutungamiriri wemakore akawanda, zvinopfuura makore mashanu.
• Exotic Fund Types Haisi Yakakodzera kana Inodiwa kune Vashandi vakawanda: Mazita angu haazobatanidza mari ipi zvisiri kukodzera kuisa mari yevanhu vose. Semuenzaniso, nhamba yepamusoro 10 inenge isingasanganisi mari yemakabheti kana yehedge funds .
• Usaisa Dambudziko reDhiversification Dzakashata: Muchidimbu ichi chekuregererwa, ndiri kutaura nezverwendo (kana kuti chikwereti chezvikwata zvako), kwete mari pachavo. Nyaya yangu yepamusoro gumi yemari yakanakisisa, yakadai sepodfolio, inosanganisira mari yakasiyana-siyana kubva mune zvikwereti zvakasiyana siyana , kwete mari shoma shoma.

1. Best Best-cap Stock Index - Vanguard 500 Index (VFINX): Mari iyi iri panzvimbo yakakwirira nekuda kwehupenyu hwayo husingaperi. Iine mari shoma uye inonyatsogadziriswa, iyo inoita kuti ive sarudzo yakakosha yekubata kwekutakura munharaunda chero ipi zvayo yehupfumi. Kana imwe yega yemari mamiririri ari kuedza kurova index, sei usiri kungova pachedu? Izvi ndizvo izvo Vanguard muvakidzani Jack Bogle akanga achifunga makore makumi mashanu apfuura apo akatanga rondedzero iyi yekambani yekambani yekambani. Nyaya yekuenzanisira vateereri: Zvizhinji zvezvakasara zvepamusoro 10 mari yakanakisisa inogadzirirwa.
2. Best Large-cap Stock, Inoshanda-Inotungamirirwa - Fidelity Growth Company (FDGRX): Kune zvishoma zvishoma zviduku zvakakura zvema US equity fund izvo zvinopararira FDGRX asi hapana chimwe chazvo chine rekodhi rekodhi yekuita, pamwe chete nemari shoma, uye anogara kwenguva refu mutariri. Sezvakanyorwa izvi, Steve Wymer akakwanisa FDGRX kwemakore anopfuura 17, maitiro ekushanda kwemakore 1, makore matatu, makore mashanu, gumi, gumi nemakore gumi zvose zviri nani (pasi) kupfuura 10th percentile, uye iyo yehodha yezvikamu inenge 0.83% chete.
3. Best International Stock Fund - Dodge & Cox International Stock (DODFX) yave iripo kubva muna 2001 uye boka revatungamiri rave riri panzvimbo yemakore anopfuura gumi. Munguva yehutano ihwohwo, ivo vakaramba vachiwedzera 90% kana kupfuura emari yavo muboka ravo guru rekudzivirira kune dzimwe nyika .
4. Best Mid-cap Stock Fund - T. Rowe Mutengo weMidhi-Growth (RPMGX) yakatungamirirwa naBrian Berghuis kwemakore makumi maviri nematanhatu, sekunyorwa kwegore iri muna 2014. Kubudirira kunopfuura 96% yemadhora ekukwirirana kwemakore gumi inodzoka uye inofadza 80% yemakore gumi nemashanu anodzoka. Zvisinei, iwe unogona kunge uri kunze kwemakambani ekutenga mari nokuti ikozvino yakavharwa kune varairi vatsva. Tariro, ichazarurirwa kune vashandi vatsva munguva pfupi, saka iva nechokwadi chekutarisa, kana uri kutsvaga yakanaka mid-cap fund.
5. Best Small-cap Stock Fund - Fidelity Small-cap Discovery (FSCRX) yakavharwawo nevashambadzi vatsva asi ihwohwo huchapupu hwomutungamiriri akanaka. 10-year annualized inodzoka nzvimbo iyo inotangira 99% yemari shoma-shoma munharaunda yayo. 2014 yave yakagadziriswa shure mukushanda asi makore matatu nemakore mashanu ekushanda nzvimbo FSCRX mberi kwevanenge 90% vezera rezera.
6. Best Bond Index Fund - Vanguard Total Bond Index (VBMFX) inokudzwa pano nekuda kwehuwandu hwayo hwemadhora pasi pe 0,20% uye yakawanda uye yakasiyana-siyana uye inoparidzirwa kuBarclay's Capital Aggregate Bond Index , iyo inomiririra zvisungo zvinenge 16 000!
7. Best Fund-Multi-Sector Bond Fund - Loomis Sayles Bond (LSBRX) , yakagadzirirwa kwemakore anopfuura makumi maviri nemugove wezvisungo, Dan Fuss , inokwidza 91% yeimwe mari yose mune zvematongerwo enyika boka rekudzoka kwemakore gumi, iyo yaiva 8.46% seyikunyora iyi muna 2014. Ingo ichengetedzwe kuti kudzoka kwema-stock kunouya nehuwandu hwehuwandu kupfuura huwandu hwehutano bhengi nokuti hunogona kubata zvisungo zvekune dzimwe nyika uye zvisungo zvejunk.
8. Best Sector / Alternative Asset Class Yechikwata - Tocqueville Gold (TGLDX) inotungamirira nhumbi dzinokosha dzekudzoka kwemakore gumi nemashanu, ichirova 99% yeboka rezera. Vamwe vatungamiri vemari vanobatanidza mari vanobatanidza hutano hwehutano uye mashizha emagetsi asi hapana mari mune iri boka rine mutambi wemakore akawanda. Ramba uchifunga mupfungwa kuti goridhe inogona kuva chinhu chakanaka chekusiyana-siyana asi hachina kukurudzirwa kune vanotanga. Basa rakakura pane rimwe boka revatungamiri veTGLDX makore gumi nematanhatu.
9. Best Balanced Fund - Dodge & Cox Inokwana (DODBX) : inotungamirirwa neboka, iro rine mavhareji emakore gumi anopfuura gumi neyakareba kwenguva refu kupfuura makore makumi matatu. DODBX inogoverwa kugovana kwematokisi mabhandi nemari. Iyi mari yakaenzana inokwidza 97% yeboka rayo vezera yegore remakore gumi neshanu, 86% yemakore gumi yekushanda uye inopfuura 99% yemari inokwana-allocaiton yemakore 1, makore matatu, uye makore mashanu anodzoka. Kana iwe waifanira kutora chikwereti chimwe chete kwemakore gumi nemashanu pawakagara pane chimwe chitsuwa chisina kurega, Dodge & Cox Balanced yaizova sarudzo yakanaka.
10. Best Target Date Retirement Funds - Vanguard Target Retirement Funds: Mari yakanakisisa-zuva rekubhadhara mari haigoni kuiswa kune rimwe chete mari kana chinangwa chekurega basa. Ndinopa kukudzwa uku kune Vanguard Investments nekuda kwekusarudzwa kwavo kwebhadhari, mari yakasiyana-siyana. T. Rowe Mutengo unofanirwa kutaurirwa kukudzwa pamusana pekushanda kwavo kwakakosha mune ino. Zvisinei, zvisarudzo zveVanguard zvinoumbwa nemari yemari uye inowanzova yakanyanya kuchenjerera kudarika zvipiriso zveT. Rowe.

Iyi nhamba yepamusoro gumi yakagadziridzwa munaApril 2015.

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