Nzira Yokugadzirisa Sei Kana Uri Mumakore ako makumi maviri nemakumi matatu
Muchikamu chino, tichatsanangura kuti sei mari yega inogona kuva yakanakisisa yekutsvaga mari yevaduku uye kutanga vatengesi uye kunyanya iyo mari inobatanidza inonyanya kukosha kune vashandi mune makore makumi maviri nemakumi matatu.
Chikonzero nei Mutual Funds Ndiyo Yakanakisisa KwaVaduku Vaduku
Heino zvikonzero zvakakonzera kuti mari yekubatana ive yakanaka kune vechidiki nekutanga vatengesi:
- Kunyoresa : Kwete kuti vechidiki havagone kubata pfungwa dzakaoma dzemari, ndeyekuti vashandi vakawanda vane makore makumi maviri nemazana makumi matatu uye makumi matatu vasina mari yakaoma. Uye nokuti mari pamwe chete iri nyore kutsvakurudza uye kutenga, vanoita sarudzo dzakanaka kune vechidiki varairi.
- Diversification : Sezvo mari inobatanidza mari yakawanda kana mazana ezvimwe zvivimbiso, zvakadai sematokisi uye / kana zvisungo, mumwe mudiki anokwanisa kutangisa uye kuita zvakanaka neyo chete kana maviri mari.
- Kubatikana : Kune mari shoma kana unyanzvi hwezvemari hunodiwa kutenga mutengo wemari. Zvechokwadi, kune mari shoma-shoma kuti atange kuisa mari ne $ 100 chete uye mari iyi hairevi mutengesi kana mupiridzi wekutenga. Chinhu bedzi chinodiwa kuisa mari mumutengo wemari mari shoma uye nguva shomanana yekuzarura account.
Asi mari pamwe chete haisi yevokutanga kana vechidiki. Inoshandiswa nevadzidzisi vemari vadzidzisi uye nyanzvi vatengesi munyika yose.
Best Fund Mhando dzeVarimi mumakore avo makumi maviri nemakumi matatu
Kufunga kuti vashandi vemazana vari kuchengetedza chinangwa chenguva refu, sekusarura, pane nguva inenge iripo kusvika kumakore makumi matatu kana kupfuura.
Kunyange zvazvo varairi vese vanofanirwa kunge vachiziva nezvezvinangwa zvavo zvekutsvaga uye kushushikana kwengozi , kana iwe uine nguva refu kusvikira iwe uchida mari yako, iwe unogona kukurira zvakanyanya.
Heino maitiro makuru emari iyo vechidiki vemazvikokota vanochenjera kufunga nezvazvo:
- Target Date Mutual Funds : Sezvinorehwa nezita, Target-Date Mutual Funds inoshandisa mukusanganiswa kwematokisi, zvisungo uye mari yakakodzera kuti munhu aite mari kusvikira imwe gore. Sezvo zuva rekutarisana richiswedera pedyo, mutungamiri wezvikwata achaderedza zvishoma nezvishoma kutengesa kwemazimusi nekuchinja zvinhu kubva mumatokari uye kuva zvisungo nemari, izvo ndizvo zvinotarisirwa nemunhu mumwe nomumwe. Saka, chinangwa-zuva mutual funds ndeye mutauro we "sarudza uye ukanganwe" kushandiswa. Semuenzaniso, kana iwe uri kuchengetedza zvekurega basa uye uchifunga kuti ungasara kure negore 2045, chisarudzo chakanaka iwe unogona kuva Vanguard Target Retirement 2045 (VTIVX). Zvino iwe unokwanisa kupedza tsvakurudzo yako, nguva nenguva uwedzere mari itsva muhomwe, uye tarisa dendere rako raikura kana uchienderera mberi nekurarama hupenyu hwako! Itai izvozvo uye muyikanganwe!
- Mari Yakaringana : Inonziwo hybrid funds kana kuti asset allocation funds, izvi ndezvemari inoshandiswa mune imwe nyika inoshandiswa mumari, masangano nemari. Kugoverwa kunowanzosimbiswa uye kunotengesa maererano nechinangwa chekutsvaga mari kana chimiro. Semuenzaniso, Fidelity Balanced Fund (FBALX) inofanirwa kugoverwa kwemafaji makumi matanhatu nemakumi mashanu ematoro, 30% zvisungo uye 5% mari. Izvi zvinonzi sechiitiko chepakati pepamusoro kana chikamu chepamusoro .
S & P 500 Index Chikwereti: Mari yekuenzanisira inogona kuva nzvimbo yakanaka yekutanga kuvaka purofigore yemari yemari yakawanda nokuti vazhinji vavo vane mari yakaderera zvikuru uye vanogona kukupai pachena kune vakawanda kana mazana ematokari anomiririra maindasitiri akasiyana mune imwe mari. Saka, iwe unogona kusangana nechinangwa chekutanga chekuwana mari yakaderera, yakasiyana-siyana mutual fund. Kuti uwane zvakawanda pamusoro pemari yekuenzanisira, tarisa Index Index Yedu Investing FAQ peji. Zvakare, Vanguard, Fidelity uye T. Rowe Price ndezvakanaka makambani ekubhadhara mari yekodzero dzemari. Iwe unogonawo kutarisa Charles Scwhab .
Where Young Investors Can Buy Mutual Funds
Vose vanoita mari, vachifunga kuti vane makore gumi nemasere, vanogona kutenga mari pamwe chete kune imwe yekambani yekambani kana kuti firm brokerage iyo inovapa. Nzvimbo yakanakisisa yekutenga mari yekubatana kune ani anoda kuisa mari pasina mupi wezano, anofanira kushandisa imwe yemakambani akanakisa kwete-load mutual fund makambani .
"Hapana-mutoro" mari ndeye iyo isingakwanisi kutenga mishoni, iyo inongodiwa chete kubhadhara kana uri kushandisa mutengesi.
Iwe uchada kufunga nezvekambani dzemakambani ehurumende ane zvakasiyana-siyana zvekutengeserana zvikwereti uye mhando nokuti iwe uchadikanwa kuramba uchivaka imwe mutual fund yako kuitira zvinangwa zvekusiyana . Mamwe emakambani akasiyana-siyana asingabatsiri mutual fund anosanganisira Vanguard Investments , Fidelity uye T.Rowe Price .
Zvinonzwisisika: Mashoko ari pawebsite ino anopa mazano ekukurukurirana chete, uye haafaniri kushandiswa zvisina kunaka sekutsvaga mazano. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.