Kana iwe uchitarisa zviwanikwa zvinoratidzika kubhadhara zvakanyanya iwe unofanira kusvika kwavari seSherlock Holmes, nehutano hwakanaka hwekusava nechokwadi sezvo pane zvikonzero zvechokwadi uye hukama hwehukama. Kudzoka kwakakwirira nokuti njodzi yakakwirira.
Iva nechokwadi chekubvunza mibvunzo yese uye teerera kune zvese.
Kuita muchengeti wako basa kunoreva kuziva kuti mari yakakura yekutsvaga inokonzera kubhadhara kwayo uye chii chinogona kuita kuti vaya vakadzoka vadzoke (kana kumusoro.) Munofanirwa kungotenga kutenga mushure mekunge munonzwisisa zvinhu izvi zvakadai semari yekushanda kwemamiriro, makambani makwikwi, uye zvizere zvehupfumi mamiriro.
Mubayiro wezviitiko zvakadaro? Kugovera kunonyanya kukosha kune dzimwe nzira dzakachengeteka dzakadai sehupfumi hwehupfumi (iyo inotsigirwa nehurumende yeUnited States). Tanga tsvaga yako kutsvaga zvibereko neinorongwa pasi apa. Ingo usakanganwa, kunyange zvazvo zvingaita mari yakawanda yepamwedzi (kana kuti yega roga) mari, nehuwandu hwekutsvaga mari, tarisira kuti mukuru wako achinje, dzimwe nguva zvakanyanya.
1. Kubudirira Kwezvikwereti
Mahombekiti ekubvumira zvakapiwa nemakambani ane simba rezvemari haisi dombo rakasimba. Kazhinji zvinonzi " zvisungo zvisingabatsiri ," vanofanira kubhadhara zvibereko zvakakwirira kune dzimwe nzira dzakachengeteka kuitira kuti vakweve vatengesi.
Iwe unogona kutenga mumwe munhu wepamusoro wezvibereko zvisungo, asi varairi vemazana vakawanda vanowana huwandu hwezvibereko zvehutano hwemari pamwe chete kuti huve humwe hunoyevedza uye hwakasiyana-siyana. Dzidza zvakawanda pamusoro pezvibereko zvakakura zvezvibereko pa:
- Kuyera Njodzi Vs Makomborero MuHurumende Yakakosha Kubudirira
- Kuzvipira Mukukurumidza Kuzvipira Zvikwereti
2. Imba yekutengesa Imari (REITs)
Funga nezve REIT sezvakaita mutual fund iyo inofanirwa neimba.
IRAIT zvino inopfuurira nemari inobhadhara kubva kune iyo imba yako kune iwe, mubhadhari. MITSA inogona kutengeswa pachena kana yega, uye inogona kuva nenzvimbo yakakura yepurazi kana imwe yakamanikana. Kupfurikidza ne REITS unogona kuisa muzvivako, mahotera, nzvimbo yehofisi, nzvimbo yekutengesa, utano hwehutano hwakabatana, zvikwereti, kuchengetwa uye mamwe marudzi eimba yeimba yepamusoro. Dzidza zvakawanda pamusoro pekutswa kwezvibereko zvakakura nemaRIT pa:
- Tsvaga Mahombekedzo Anokwidzwa
3. Zvikwereti zvakasarudzwa
Nenzira yepamusoro shanduko yakasarudzwa ndeyekutsinhanisa kwekuenzanisa, asi inowanzoenzaniswa nezvisungo sezvavari ivo vanofarira zvikuru. Nzvimbo dzinosarudzwa dzinotengesa zvikwereti pane imwe yakasarudzwa uye kambani inofanirwa kubhadhara chikamu kune avo vanogadziriwa vashandi vasati peni imwe inobhadharwa kune avo vanogara vanogara. Izvi zvinogona kuita kuti zvive zvakakonzera nzvimbo yakakwirira yezvibereko mari yekuwana mari. Izvo zvinhu zviviri zviri pasi apa zvinopa ruzivo rwakakwana uye ruzivo rwakanyanya pamatokari aidiwa:
- A Primer Pamakosheswa Inotengeswa neInvestopedia
- Simba Rakasarudzwa Zvitoro neMotley Fool
4. Kugoverwa Kubhadhara Zvikwereti
Kugoverwa kubva mumatokari kunogona kupa chikonzero chemari yekubvisa mari iyo inogona kuchinja. Kana ikambani inopinda mune dambudziko rezvemari, inogona kuderedza kana kubvisa chikamu chose pamwe chete.
Iwe unogona kuita iwe pachako kutsvaga mashizha ane nhoroondo yekusimudzira uye kuwedzera zvikamu kana iwe unogona kutenga chikamu chekuwana mari. Tsvaga zvibereko zvakakura zvikamu uye mari pa:
- Chimbo Chakutsvaga Maresitori Ane Rudzikinuro Yakanakisisa Inobereka
- Dive In Dividend Income Funds
5. Yakagadzirirwa Mugumo Mari
Chigadziro chekuvhara chikwereti chimiro chekubatana mari. Kungofanana nehurumende yekutengeserana , ine mudziyo wemari yevatengi. Kusiyana nehurumende yekutengeserana, kana chikwereti chakatora imwe nhamba yezvikamu, inovhara kune vashandi vatsva, saka kutenga zvigaro zvaunofanira kuzvitenga sezvaunotenga chikwata; pane shanduko kubva kune umwe munhu ari kutengesa zvikamu zvavo. Vakawanda vakavhara kupera mari kushandisa mari yekushandisa (vanogona kukwereta pamushumoti kuti vawane dzimwe mari) izvo zvingaita kuti zvibereko zvavo zviwedzere. Haasi yose yakavharwa mari yekupedzisira yakagadzirirwa kubhadhara mari, uye vamwe vanogona kugovera gurukota sechikamu chekugovera kwavo kwegore negore kana kwegore, saka tsvagai.
Paunoshandisa kupera kwekuvhara mari inoramba uchifunga mupfungwa yakanakisisa kutenga iyo mahombekiti ekurehwa kwezvibereko apo ivo vachitengesa pane zvishoma. Dzidza zvakawanda pamusoro pemari yekuvhara kwekupera:
- Yakagadzirirwa Kupera Fund Basics
- CEF Connect - Nzvimbo Yekutsvakurudza Yakagadzirirwa Kupera Mari
6. Retirement Revenue Funds
Isa pamwe chete nehurumende yehurumende yemari, kubhadhara mari yekubhadhara mari inoshandiswa nechinangwa chekugadzirisa nguva dzose pamwedzi kana pamwedzi. Vanopa imwe nzira inofadza pakugadzirisa podhopu yako uye inogonawo kushanda seimwe nzira kune imwe nguva yakasununguka iyo inodzorera mukuru wako pamwe nekufarira kwenguva. Tsvaga mashoko pamusoro pemari yekubvisa mari:
- Kubhadhara Chikwereti Chikamu Kuongorora Uye Maitirwo Anotarisirwa
- Bhizimisi Yevhiki: Kubhadhara - Mari yekuchengetedza Mari Inopera
7. Ezera kune Vezera Kuisa
Kukura kwevamwe vashandi vekutsvaga masheji vari kutsvaga mari yekutsvaga mari yakawanda ndeyekutsvaga muzvikwereti zvakabva pamakweretheni emakero ekuIndaneti. Izvi zvinonzi "vezera rekutarisa" kukweretesa, kana kuti P2P, sezvinongoita sekukweretesa mari kumuvakidzani kana vezera. Inzvimbo yepaIndaneti inobatanidza vatengesi nevakwereta uye inopa chikwata chinoisa maranho emari yezvikwereti. Vanokweretesa paIndaneti vanokwanisa kuderedza mari inowanzoita mari yekubhadhara mari yekuita mari iyo inowedzera chikwereti chevakweretesa pasi kudarika tsika dzedzimba dzakaoma mari yemari. Iyi zvikwereti zvinogona kuiswa pamwe chete kana kubhadharwa nemumwe munhu, zvichireva kuti iwe unogona kukweretesa zvishoma kune vanhu vazhinji, kana kuti muhomwe mukuru kune mumwe munhu. Mukufungidzira, akakwereta anodzosera chikwereti kubva kubhangi ravo rebhangi zvakananga neA-akhawunti yako inotungamirirwa nayo. Kungofanana nechikwereti chipi nechipi, iwe unotora pangozi kuti akakwereta haagoni kubhadhara chikwereti. Iwe unogona kudzidza zvakawanda pa:
- Mutungamiri weMari Mutevedzeri weP2P
- The Lending Club.
8. Master Limited Partnerships
A master limited partnership (MLP) inobatanidzwa nehurumende, iyo yakasiyana nekambani, inopa mari yayo kuburikidza newe, mubhadhari. Iyi sangano inobvumira kambani kuti irege kubhadhara mutero pahutano hwehutano, iyo ndeimwe yezvikonzero zvinoita kuti zvikwekwe zvibereko zvekutsvaga kwepamusoro. Kuwanda kwemari inokonzerwa nenyanzvi yehutano hushoma ichave yakatarisana nemutengo uye mutengo wechibereko kana basa ravanoshandisa; kazhinji ivo vari mune bhizinesi remafuta uye gas. Iwe uchawanawo tenzi mashomanana mashoma anobereka propane, matanda, uye kugadzirisa mapaipi. Dzidza zvakawanda pamusoro pemudzidzisi zvishoma kubatana:
- Tenzi Mashoma Kubatana - Chitsuwa Chekugadzikana Kwevashandi Vanoparadzirwa
9. Zvikwereti zveCanada
Ndakawana Iko Inoshambadza Hutori kuti ive yakatendeseka inobva kune ruzivo pamusoro pekurima kwezvibereko zvezvibereko; Vanoshandisa tsanangudzo inotevera yeCanada Income Trust, "Zvikuru tinogona kutsanangura mari yekuwana mari semotokari inobata zvakananga kana kuti zvisingaenzaniswi mumari inobhadhara mari zvichienderana nechinangwa chekubhadhara zvikwereti zvakakwirira, zvakagadzikana uye zvisingatariswi zvekusvika kune vashandi." nyaya mbiri iri pasi apa uchadzidza zvakawanda pamusoro pekuti ungaita sei pakuchinjana kwemari uye mitero yekunze kune imwe nyika paunotsvaga maTrust Revenue Canada semukana wekukohwa kwekutsvaga kwekutsvaga:
- Dhip Detective's Dividend Tora kuTanitary Income Trusts
10. Mikopo Yakatsigirwa neDeseds of Trust
Nzvimbo dzakawanda dzekutengesa dzimba dzekugara (uye kunyange dzimba dzekugara dzekugara) dzinochengetedza mari yavo yekutanga kubva kumapato ega. Kune zvishoma kusvika pakati pezviuru zvemakambani ega ega anonyanya kuenzanisa nevashambadzi nevatengi kana vatengi vanoda mari. Mashoko akanaka; apo iwe uchikweretesa mari pamhando idzi yemapurogiramu iwe unofanira kunyoreswa pane chiito chekutendwa sechibvumirano, saka kana uyo akakwereta achirega kubhadhara, iwe unogona kutanga. Mashoko akaipa; Kufananidzira kunogona kuva yakatora nguva uye iwe hauzive kuti chimiro chichave chiripi kana iwe uchizopedzisira uchitorazve. Iyi maitiro ekutsvaga mari dzimwe nguva anonzi kuisa mari mumabasa ekutenda. Kukweretesa pachedu kunogona kubudisa zvibereko zvakanyanya, asi ramba uchichenjerera. Makambani mazhinji kwazvo anotengesa rudzi urwu rwekukohwa kwekutsvaga kwekutsvaga se "kuchengeteka". Mari yako inotsigirwa nekutengesa asi hapana kukohwa kwakanyanya "kwakachengeteka". Dzidza zvakawanda pa:
- Kuvimba Kuda Kuisa Inotanga Kutangira
- Prosper - Yepanhau Inobatanidza Vanokweretesa Vavamwe Nevamwe Vanokweretesa
Zvinonzwisisika: Nyaya iri pamusoro apa haisi kurumbidzwa kwebasa rega rega kana rekutsvaga. Pane kudaro, iyo inyanzvi; nzvimbo iyo iwe unogona kutanga iwe pachako kutsvakurudza uye kuongororwa kwezvibereko zvakakura zvezvibereko.