Maitiro Angingaita Mari Kana Ndisingakwanisi Kutenga Munhu Mumwe Chete

Diversification, Asset Allocation uye Indekisi yeAll-Cost Index Zvikanzi Zvive Zvakakosha

Kuisa mari iri nyore, kunyanya kana iwe uchitarisa pakutenga mari yekudhura mari yakaderera kana mari inobhadharwa kubva kune imwe kambani yakadai seVanguard, iyo inoshanda nenzira yekufananidza kuitira kuti mari yakawanda iende kune vatengi panzvimbo kune vadzidzisi vega. Heano mafungiro angu pamusoro pekugadzirirwa kwevatengesi avo vasingadi kutarisana nekusarudza mumwe munhu mabhesi kana zvisungo.

Kana ndaifanira kutanga zvakakwana uye ndisingabvumirwi kuva nemabhizimisi ega ega ega anondipa nguva yakawanda yemari kuti ndidzokezve, semakambani evhareji yekutengesa, kana kuti ndingatora zvimedu, ndingaitei?

Ndingazogadzira sei mari yangu kuitira kuti ini ndive nekunakidzwa nekunakira kubatanidza nekutarisa mambure angu akakodzera kukura, nekuderedza dambudziko? Nheyo dzakanaka asi iwe haufaniri kuisa mune imwe pfuma kuti uwane pfuma .

Kwemazuva mashomanana apfuura, ndakafungisisa mubvunzo iwoyo nokuti ndakaona kuti iyi ndiyo mamiriro ezvinhu ekuti vazhinji vevadzidzi vangu vanozviwana ivo mumazuva ose. Iwe hausi kuda kudzidza kuverenga rhumo rwegore kana kutsva ne 10K . Iwe hausidi kuti uwane chikamu chekubhadharwa mubhadharo kana sarudzo yekugoverana . Saka, iwe unogona sei kubatsiririra mukana wenguva refu yekuvaka pfuma mikana, masangano, uye zvivako zvinopa kunze kwekufunga nezvepodfolio yako kupfuura nguva shoma pagore?

Kuvaka Chikamu Chingave Chakanaka

Sezvandakatsanangurira pamusoro pemakore aya, pachikamu chayo, kuisa mari zviri nyore chaizvo. Kutaura zvazviri, kuisa mari yakajeka zvokuti inouya kune zvishoma zvinyorwa zvinyorwa zvandainyora pamusoro paIyo Kana Uri Murairo Wenguva refu, Unogona Kuregerera Iko Economy .

Iyi mitemo ndeyikuti:

• Shandisa mari shoma pane iwe unowana
• Dzivisa chikwereti
• Chengetedza zvakakwana mari uye mari iripo kuti ubhadhara zvikwereti zvako mwedzi mitanhatu kana kupfuura kana iwe ukarasa basa rako
• Isa mari yakawanda iwe unogona kunze kwekutora mararamiro aunoda iye zvino. Kuwana kuenzana kwakanaka pakati pezvino kushandiswa uye pfuma yepamusoro chinhu chimwe chete iwe unogona kuzvipindura iwe pachako.

• Funga nezvekudzivisa kurasikirwa uye kuderedza ngozi.

Wall Street inoita kuti iwedzere kupfuura esoteric asi iyo ndiyo chete iyo mapurisa ekuchengetedza pfuma anogona kukubhadharai mari yakakwirira.

A Tarisa Pane Zvimwe Zvokutanga MaPorfolio Asset Allocation Models

Sezvandaifunga pamusoro pemhinduro kumubvunzo wangu wekutsvaga, ndakaenda kune dzakawanda zvinonzi mazai ekugoverwa mafungiro aya andakanyora pamusoro pezvinyorwa zvemari (zvimwe zvadzo zvinoshandiswa mune imwe nzvimbo yekugovera chikamu chebindu rangu), kusanganisira iyo yakadai seTalmud asset allocation model, iyo inobva pane yakakodzwa yekare ye 1/3 pfuma, mabhii matatu, uye 1/3 mari.

Pakupedzisira, ndakazosvika pakugadzirisa kuti sarudzo yakanakisisa yekambani yakabatana, yakadai seVanguard, iyo inowanikwa newavo shareholders uye inopa mari-pasi mari saka mari yangu yakawanda yakagara muhomwe yangu uye haina kuenda kumari. Dai ndakanga ndiri muduku uye ndakanga ndisingadi mari, ndingadai ndakaisa:

• 5% yepodfolio mu sirivha negoridhe
• 5% yepodfolio yemari nemari uye yakaenzana nemari
• 20% muzvikwata zvepamusoro-grade zvakasimwa zvisingasviki makore 8 munguva yemberi
• 30% muhupamhi hwepamusoro, chikamu chinotenga bluji chip chips pano muUnited States
• 20% muhupamhi hwepamusoro, chikamu chekubhadhara mari dzepasi rose dzisina kukonzerwa zvakare kudhora kuitira kuti ndive nerumwe rudzi rwezvikomborero zvinouya kubva kune dzimwe mari

• 20% mu-grade-grade real estate inowanikwa mari

Kunyanya zvose izvi ndinozoita kuburikidza neVanguard, uye ndinongoramba ndichiratidza kuti ndaiva nemari yakabviswa mubhadharo yangu kwemaakumi emakore, ndichiregeredza kutengesa kwemakethe nekutenga kunyanya panguva yekuputsika. Pamusoro pemhando yepamusoro yeblue chip stocks, ndinotarisa zvinhu zvakadai se Dividend Appreciation Index Fund (ticker chiratidzo VDAIX), iyo inoshandisa mari mune makambani anowanikwa muAriginal Achievers Select Index. Aya makambani akawedzera zvikamu zvavo mune imwe neimwe yemakore gumi apfuura. Nhamba yebhadharo inongova 0.35% uye huwandu hwekutsinhanisa huri $ 3,000 chete. Mari yakakura zvikuru inosanganisira McDonald's, IBM, Coca-Cola, Pepsi, Chevron, ExxonMobil, Procter & Gamble, Johnson & Johnson, Wal-Mart, uye United Technologies.

Uyezve, Vanguard haaizobhadhara mari yangu yekubhadhara mari yakawanda yemari yavo (kana kunyange mashizha, zvichienderana nehuwandu hwematengo yeiyo total account).

Kugadzirisa kwakadaro kunofanira kuunza migumisiro inogutsa pane 30, 40 kana 50 yemakore pasina basa chero ripi zvaro kana kukwidza.