Mitero-Inokwana Mari Mari Tsanangudzo, Mienzaniso uye Mazano
Unonakidzwa nokubhadhara mitero yakawanda kupfuura inodikanwa here? Zvechokwadi iwe hausi iwe! Zvisinei varimi vanozviita nguva dzose. Fungidzira kudzoka kwegore rimwe nerimwe kwewe mutual fund yepodfolio yako mubhadharo. Kana iwe ukagona kuwana nzira yekuchengeta mari yako yakawanda nekubhadhara mitero shoma, iwe ungazviita here?
Zvechokwadi iwe ungadai! Kukundikana kunzwisiswa nekushandisa mazano ekutanga ekubhadhara kwekubhadhara mutero ndeimwe yezvikanganiso zvakakura zvakaitwa nevashambadziri. Iye zvino ndiyo nguva yako yekudzidza kuti ndeipi uye kuti ungashandisa sei mari yekubhadhara mitero kuitira kuti ugone kuchengeta zvakawanda zvekutsvaga mari yako yakaoma dhaka.
Nzira iyo Vashandi vanoita Mutero Mhosva
Mutori wezvemari vatengi vanowanzovhiringidzika uye vachishamisika pavanowana fomu 1099 iyo inoti vane mari kubva kune zvikamu kana kuti vakagamuchira mari inowanikwa mukugoverwa .
Iko kukanganisa kukuru pano nderokutarisira kwakajeka: Mutengi wevatengi vemari vanowanzoona kuti mari yavo inowanikwa sei. Semuenzaniso, mutual funds inobhadhara chikamu (uye naizvozvo inokonzera mutengo wemari inowanikwa mutero) iri kuisa mumakambani anobhadhara chikamu. Kana mutengesi wezvikwata zvekugadzirisa mari isingazivi nezvechibvumirano chekugadzirisa mari, vanogona kushamiswa nezvikwereti kana zvikwereti zvinowanikwa kune muzvikwereti nehurumende yehurumende.
Mune mamwe mazwi, mutual fund inogona kugovera zvikwereti uye mari inowanikwa mari inotengesa pasina ruzivo rwemari. Izvozvo zvinosvika, kusvikira 1099-DIV inouya mumeyili .
Mutori wezvikwata zvekugadzirisa mari inotadzawo kuronga kuti nhoroondo ipi inobata mari yavo zvichibva pakubhadhara mitero - chirevo uye sarudzo inonzi nzvimbo yenzvimbo (kwete kuti irege kuvhiringidzika nemari inoshandiswa ).
Semuenzaniso, vatengesi havabhadharwi mitero yezvino kubva kune imwe chikwereti chezvikwereti kana kuti mari inowanikwa mumatare emitero, zvakadai seIRAs, 401 (k) s uye annuities. Kazhinji, zvikwereti izvi uye / kana zvikwereti zvinowanikwa zvinowanzogadziriswa muhomwe uye mari inoenderera mberi kukura mitero-inoderedzwa kusvikira kusunungurwa kuchiitwa.
Saka chidzidzo chekuita apa ndechokuisa mari iyo inobhadhara mitero mune imwe nhoroondo yakabhadhara mutero kuitira kuti iwe uwane kuchengetedza mari yako kukura. Kana iwe uine nhoroondo dzisingabhadharwi mari, dzakadai sedare rega rega rekweretheni, iwe unofanira kushandisa mutero wemari unobhadhara mutero.
Ndeupi Mutero-Kubudirira?
Sangano rekubatanidza mari rinonzi inobhadhara mutero kana ichitsvaga muzinga rakaderera kune mamwe emari mari. Imari inoshandiswa mari ichaita kuti zvishoma zvikamu zvidimbu zvezvikamu uye / kana zvikwereti zvinowanikwa kana zvichienzaniswa nehuruzhinji mutual fund. Kusiyana neizvi, mari inenge isingabhadhara mari inokonzera zvikwereti uye / kana mari inowanikwa kune imwe yenhamba yepamusoro kune imwe mari inobatanidza mari.
Mienzaniso Yemutero-Zvakakwana Mari
Mari inoshandisa mitero inobhadhara zvishoma kana zvisingabatsiri kana mari inowanikwa. Nokudaro, iwe unoda kuwana mutual fund types dzinofanidza chimiro ichi kana iwe uchida kuderedza mitero mune imwe nguva rekwereti yekwereti (uye kana chinangwa chako chekutsvaga mari chirikukura - kwete mari).
Chokutanga, iwe unogona kubvisa mari iyo inowanzoita zvishoma .
Mari yemari inowanikwa mumakambani makuru, akadai sehomwe huru yemari yemari, inowanzobudisa zvikwereti zvakasununguka zvikwereti nokuti makambani makuru anowanzopfuura zvimwe zvezvikwereti zvavo pamwe nevashambadziri nenzira yezvikamu. Bond mari inowanzobereka mari kubva kune inowanikwa inowanikwa kubva kune zvimbiso zvebambani, naizvozvo haisi mvumo yekubhadhara kana. Iwewo unofanirwa kuva wakangwarira kune mari inobatanidzwa-yakabatana nokuti vari kuedza "kurova pamusika" nokutenga uye kutengesa mashizha kana zvisungo. Saka vanogona kupa zvikwereti zvinowanikwa zvakanyanya kuenzaniswa nemari isina kuchengetedzwa.
Nokudaro, mari iyo inobhadhara mutero inowanzo iyo inokura, yakadai semadhora-mashomanana emari, uye mari isingatarisidziki, yakadai semari inoratidza mari uye Exchange Traded Funds (ETFs) .
Nzira Yokuziva Nayo kana Chikwama Chikwereti-Zvakakwana kana Kwete
Nzira yakakosha yekuziva kana mari inoshandiswa mutero kana kuti isingaiti mutero ndeyokutarisa pane chinangwa chemari. Semuenzaniso, chinangwa che "Growth" chinoreva kuti mari yacho inobata mashizha emakambani ari kukura. Makambani aya anowanzodzorera zvikwereti zvavo zvakare mukambani - kukura. Kana kambani inoda kukura, havazobhadhara zvikwereti kuvashambadzi - vachadzorera mari yavo mukambani. Saka mari inobatanidzwa pamwe nechinangwa chokukura inowedzera kushandiswa kwemitero nokuti makambani ayo iyo mari inopa mari iri kubhadhara zvishomanana kana zvisingabatsiri.
Uyewo, kuratidzira mari uye ETFs zvinobhadhara mutero nokuti kusava nemafungiro emari kwakadai kuti pane zvishoma kana kuti hapana kubhadhara (kutenga uye kutengesa kwematokari) izvo zvinogona kupa mutero kune muzvinabhizimisi.
Chikwata chine chinangwa che "Kuwana" ndeyemhando yekuedza kuunza mari kubva kune zvikamu (mashizha) kana kufarira (zvisungo) kana zvose. Nokudaro mari iyo ine chinangwa chekuwana mari haisati yakabhadhara mitero. Chimwe chikwereti chekubhadhara mari inokweretesa mahombekero ekubhadhara (kwete kutengesa-inoshanda) ndeye Real Estate Investment Trust (REIT Funds), izvo zvinotarisirwa nemutemo kupfuudza mari kune varairi.
Imwe nzira yakananga uye yakavimbika yekuziva kana mari inoshandiswa mutero ndeyekushandisa shanduro yekutsvaga muInternet, yakadai se Morningstar , iyo inopa hutano hwekugadzirisa hutano kana kuti "kutora-kuchinjwa kudzoka" kunoenzaniswa nedzimwe mari. Iwe uchada kutsvaga kudzoka kwemitero-yakagadzirirwa iyo iri pedyo ne "kutanga kuteresa kudzoka." Izvi zvinoratidza kuti mutengesi wekutsvaga kwemari haana kubviswa nemitero.
Muenzaniso weMitero-yakakwana yekuita mabasa
Ngatitii mutengi ane zvikwereti zviviri zvakasiyana-siyana zvekutsvaga: 1) A 401 (k), iyo iyo yeruzhinji yakabhadharwa nekodzero uye 2) Nhoroondo yekodha yekwereti, iyo inotengesa. Achifunga kuti mutengesi ainyanya kutsvaga kukura kwenguva yakareba chinangwa (vane nguva yekureba kwemakore gumi kana kupfuura uye vanoda kukura mairiro avo), ivo vachabata mari shomanana yemitero mumakore avo 401 (k) uye -kukoshesa mari mubhadhiro yavo yezvekwereti. Nenzira iyo zvikamu, zvikwereti nemari inowanikwa zvakakonzerwa nemari isina kukwana mu 401 (k) haigoni kubhadhara mitero yemutengi uye mari inobhadhara mitero mubhadharo rekwereta ichaita zvishoma kana kuti kwete mutero kune muzvinabhizimisi.
Zvakare, sarudzo ndeyekubatana pamwe chete mari isingabhadharisi mari mune imwe nhoroondo yekuteresi uye kubatanidza mari iyo inobhadhara mutero mukodha yakabhadhara.
- Mune 401 (k), mutyairi anogona kuchengetedza mari yezvisungo, mari inogadziriswa, uye / kana mari pamwe chete ne "tarisiro" yezvinangwa.
- Munyaya yekodha yekwereti yezvekwereti, mutengesi anogona kuchengetedza mari yavo shoma yemari, mari yekuenzanisira, ETFs, uye / kana mutengo wemari pamwe nekutaura "kukura" zvinangwa.
Mazano Asingashandisi uye Mienzaniso Yemutero-Kubudirira Kuwedzera
Mukupfupisa, chinangwa chakakosha chemuti wekusimbisa mari ndeyekuchengeta mitero kune zvishoma nokuti mitero inokonzera kudzoka kwese kwe mutual fund. Zvisinei, pane dzimwe nzira shomanana dzisingabatsiri kune mutemo uyu wose. Kana mutengesi chete ane mabhadharo akaremerwa emitero, akadai seIRAs, 401 (k) s uye / kana annuities, hapana kushaya hanya pamusoro pemutero-kukosha nokuti hapana huripo huripo hunokweretwa paunenge uine mari mune imwe kana kuti idzi dzose mhando. Zvisinei, kana mutengesi anongotengesa mabhengi ekubhadhara mari, vanogona kuedza kuisa pfungwa pane kubata chete mari yemari uye ETFs.
Kana mutengesi achida mari yazvino, kukosha kwavo kwekubhadhara mitero kune yechipiri kune zvavanoda kuti vawane mari. Nokudaro mutengesi uyu achange achishandisa mari isingakwanisi kubhadhara mitero, yakadai sebhadha mari uye chikamu chemari pamwe chete, kuti zvizadzise zvavanowana.
Chimwe chikamu kune huwandu hwemitero-kukwanisa mitemo iripo nebhadha mari. Semuenzaniso, kwete mari yose yezvisungo "haina kukwana." Mumwe mutengesi anoda kurerutsa mitero asi anewo chinangwa chekuwana mari inogona kushandisa kamari yehupfumi yemari kana mari yemutero yemari yemusika, iyo inobhadhara chikwereti chisingabhadharwi mutero wemitero yehurumende.
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.