Chero upi zvake wekutsinhanisa kwekutsvaga wekushanda pamwe nekufanirwa nekushanda anofanira kunge achida kutsanangura, muchiShona Chirungu, marudzi ese akasiyana-siyana ekubhadhara mari yauchabhadhara. Kana iwe usingashandisi nemudzidzisi, iwe ucharipira muripo. Iwe uchafanirwa kuita kuburikidza ne prospectus uye mari yezvikwereti mawebsite uye zvinyorwa kuti uone kuti ndeyei mari iyo.
Paunobvunza nezvekubhadhara mari , kana mumwe munhu akati, "Shamwari yangu inondipa ini," kuwana mamwe mashoko. Iwe une kodzero yekuziva zvauri kuripa, uye kuti mumwe munhu ari kubhadharwa sei kukurudzira kushandiswa kwauri.
Hewa mhando mitanhatu yemari yekubhadhara mari yekubvunza pamusoro.
1. Kushandisa mubhadharo kana kuti mari
Zvinotora mari kuisa pamwe mutengo wekubatana. Kubhadhara mari iyi, mari inobhadhara mari yekushandisa mari. Mari yose inoshandiswa muhomwe iyi inoratidzirwa senhare yebhadharo.
- Mari yebhadharo inoshandisa mari yekudhura ye9090% inoreva kuti mari imwe neimwe ye $ 1 000 inotengeswa, inenge madhora 9 pagore ichaenda kune yekushandisa mari.
- Mari yebhadharo inobhadhara mari inosvika 1,60% inoreva kuti mari yose ye $ 1 000 inotengeswa, inenge madhora 16 pagore ichaenda kune zvinoshandiswa zvekushanda.
Nhamba yebhadharo haibvumi kubva ku-akhawunti yako, asi mari yekudzorera yaunowana inenge isati yawana mari.
Muenzaniso: Funga nezvekubhadhara mari yakafanana nehombodo huru yekoji yekasi; kushanda mari kunodonhedzwa kubva muhupfu gore negore.
Iyo yakasara bundu inogoverwa mukiki kana zvikamu. Kukosha kwemugove wega wega zvishoma nokuti mari yaive yatotorwa.
Iwe haugoni kuenzanidza mari yezvinhu zvose zvemari yakaenzana. Mimwe mhando yemari, semari yepasi rose, kana mari shoma shoma, ichava nepamusoro mari kudarika chikwereti chikuru chemari kana bhadha mari.
Zvakanakisisa kutarisa mari maererano nehuwandu hwepodfolio yako yemari yekubatana. Iwe unogona kuvaka chikwereti chikuru chemari yekodzero uye usabhadhara kupfuura zve50% pagore mu mutual fund yekushandisa mari.
2. Mari yekubhadhara inotora zvikwereti kana mari yekuripira mari
Mari yekubhadhara mari inotambirwa inopomerwa se peresenti yemari yose inotarisirwa. Izvo zvikwereti zvemari zvinowanzove zvisingabhadharwi kubhadharwa nemutero usati watere kana kuti mutero wakabhadhara .
Muenzaniso: Anopa mazano ekutsinhanisa uyo anokwereta 1% zvinoreva kuti mari imwe neimwe ye $ 100,000 inotengeswa, iwe uchabhadhara madhora 1 000 pagore mumari yekupa mazano. Iyi mari yakawanda inowanzobvumiranwa kubva kubhuku rega roga roga; mumuenzaniso uyu, ingadai iri $ 250 nehafu.
Vazhinji vapeki kana mafekitari ekudhinda vanobhadhara mari yakareba kupfuura 1% pagore. Mune zvimwe zviitiko, vari kushandisawo mari yakawanda yekubhadhara mari pamwe chete iyo iwe ungadai uri kubhadhara mari yose ye2% kana kupfuura. Izvo zvinowanzoitika kune zvinyorwa zviduku kuti ubhadhe mari yakakwirira (zvakanyanya se 1.75%) asi kana iwe une hurukuro yepamusoro yepodfolio ($ 1 000 000 kana kupfuura) uye uri kubhadhara mari yekupa mazano kune anopfuura 1% saka iwe zviri nani kuwana humwe huripo huri pamwe nekuwedzera kumatongerwe emari. Zvimwe zvebasa zvinogona kusanganisira yakakwana yekugadzirisa mari, kubhadhara mutero, kugadziriswa kwemba, kubhadhara mari, nekubatsira.
3. Kutengesa Mari
Nhoroondo dzakawanda dzekweretesa dzinotengesa mari yekutengesa nguva imwe neimwe nguva yekuraira kutengesa kana kutengesa mari yekutengeserana kana shamba inowanikwa. Iyi mitero inogona kubva kubva ku $ 9,95 pamabhizimisi kusvika kune $ 50 pamabhizimisi. Kana uri kupa mari shoma shoma, mari iyi inowedzera nokukurumidza.
Muenzaniso: Mari yekubhadhara $ 50 ye $ 5,000 inotengeswa ne1%. A $ 50 transaction pa $ 50,000 ndeye .10%, iyo ishoma.
4. Front-End Load
Mukuwedzera kune inoenderera mberi yekushanda mari uye "A share" mutual fund mashandiro epamberi yekugumira, kana mutungamiri.
Muenzaniso: Kana iwe waizotenga homwe ine mari yekupedzisira ye 5%, inoshanda seiyi: Unotenga zvikamu pa $ 10.00 pagoga, asi zuva rakatevera chairo zvikamu zvako zvinokwana $ 9.50 nokuti .50 masentimiti pamusi akatongerwa semutoro wekutanga.
5. Dzose rekupedzisira-Mutoro kana Kuendesa Mutero
Mukuwedzera kune inoenderera mberi yekushanda mari, "B share" mutual funds inorayira mutero wekupedzisira shure kana kuzvipira .
Mutoro wekupedzisira unopomerwa panguva yaunotengesa mari yako. Iyi mitero inowanzoderera kwegore rimwe nerimwe rinotevera iwe une pesa.
Muenzaniso: Mari iyi inogona kukubhadhara mutoro wekupedzisira we5% kana iwe uchiitengesa mugore rimwe chete, 4% mubhadharo kana uchitengeswa mugore rechipiri, 3% mubhadharo kana uchitengeswa mugore rechitatu, nezvimwe zvakadaro.
Annual annuities and index annuities vanowanzove vakazvipira mhosva. Ichi ndechokuti izvi zvinowanzobhadhara hurukuro huru pamberi pevanhu vanovatengesa. Kana iwe uchinge uchinge wabuda kubva muchigadzirwa kutanga kwekambani yeinishuwarenzi inofanira kuva nenzira yekudzorera kumakomisheni avatoribhadharira. Kana uine chigadzirwa chacho kwenguva yakakwana iyo kambani ye inshuwarisi inowanazve kutengesa kwayo kudarika nguva. Nokudaro kubhadhara mari inoderera kudarika nguva.
6. Mutengo weAkaunti yegore negore kana Chekuchengetedzwa Kwemari
Brokerage accounts uye mutual fund zvingabhadhara mari yemari yegore negore, iyo inogona kubva kubva $ 25 - $ 90 pagore. Munyaya yekubhadhara makambani akadai seIRA's, kazhinji pane mari yekuchengetedza gore negore, iyo inowedzera IRS nhoroondo iyo inotarisirwa pamhando idzi dzeakaunti. Iyi mari inowanzobva kune $ 10 - $ 50 pagore. Makambani mazhinji achapawo mari yekuvhara rekodha kana iwe ukagumisa compte. Mari yekuvhara inogona kubva kubva pa $ 25 - $ 150 pamakero. Kazhinji yenguva kana uri kushanda nemudzidzisi wezvemari anotora chikamu chemari yemari idzi mari yegore negore inodzingwa.