8 Mazano ekutsvaga mu Mutual Funds: Basics for Beginners
Pano ndiyo mazano gumi nematanhatu ekutsvaga kubudirira kuburikidza nemari pamwe chete, kubva kutanga kwehutongwa hwemari, kusarudza, kuongorora kuvaka chikwata chemahofisi, kumitero uye nezvimwe ...
Kuisa mu Mutual Funds Chidzidzo # 1: Ungaita sei Kuti uwane Kuisa mari
Kuisa mari kunotanga kusati watenga kutenga mutual fund (kana kuti asati watenga chinotevera). Kana iwe uchangotanga kuisa mari pamwe chete nemari , iwe unogona kuedza kuedza kutanga nemari yakaenzana . Iwe unodawo kubvunza mibvunzo: Ndeipi iyo iwe unoda kuita neuchawana? Iwe une zvinangwa zvakananga, zvakadai sokuchengetedza kubhadhara, kana kuti une zvimwe zvinangwa zvakatsanangurwa, zvakadai sekuunganidza hupfumi nokuda kwechinangwa chikuru chekusimbisa mari yako yekuchengeteka? Inguva yako ndeyei ? Gore rimwechete? Makore mashanu? Makore gumi?
Kuisa mu Mutual Funds Chidzidzo # 2: Ziva Ngozi Yenyu Yokutambura
Usati wasarudza mari yako, iwe unofanirwa kuva nepfungwa yakanaka yehuwandu hwemungozi iwe unogona kuzvitsungirira. Kushingirira kwako kune ngozi kune chiyero chekuchinja kwehuwandu (aka kusagadzikana-ups uye pasi) kana njodzi yemusika waunogona kuita. Semuenzaniso, kana iwe uchinetseka zvikuru apo $ 10 000 yekodha yemari yako inowira ne 10% (kusvika $ 9,000) mugore rimwe chete, kukundikana kwako kune ngozi kune yakaderedza-haugoni kushivirira zvikwereti zvakanyanya .
Kuisa mu Mutual Funds Chidzidzo # 3: Sarudza Zvawakapiwa Asset
Kana uchinge waona huwandu hwako hwekutsungirira kwengozi, iwe unogona kusarudza yako kugoverwa kwemari , iyo inosanganiswa yezviwanikwa zvekutsvaga-zvikwereti, zvikwereti nemari-iyo inosanganisira chikwereti chako. Nzvimbo yakakodzera yekugoverwa icharatidza hutano hwako hwekutambudzika, izvo zvinogona kurondedzerwa sechisimba (kuremekedzwa kukuru kune njodzi), kuenzanisa (kurema kwehutano husinganzwisisiki) kana kuchengetedza (kukurumidza kushivirira kusangana).
Kuisa mu Mutual Funds Chidzidzo # 4: Ongorora Matongerwo Emhando uye Zvikamu zve Mutual Funds
Mari inobatanidza yakarongeka muzvikamu nemasikisi yechikwata (mashizha, zvisungo nemari) uye zvinozoendeswa mberi nechirongwa, chinangwa kana zano. Kudzidza kuti mari inobatanidza mari inobatsira sei mutyairi kudzidza kudzidza mari yakanakisisa yekugoverwa kwemari uye zvinangwa zvekusiyana . Semuenzaniso, kune mari yekutengeserana mari, mari yekutengeserana mari uye mari yemari yemari pamwe chete. Sangano uye bhadha mari , sepokutanga mari yemhando, ine zvikamu zvakawanda zvezvikamu izvo zvinowedzera kutsanangura nzira yekutsvaga kwechikwama.
Kuisa mu Mutual Funds Chidzidzo # 5: Dzidza Maitiro Okusarudza Mari Yakanakisisa
Nezviuru zvemari pamwe chete yekusarudza kubva kune mazana edzimba dzakasiyana nedzimwe mhuri dzichivapa, mutyairi anogona kunetseka nekusarudzwa kusarudza uye zvichida kuita zvikanganiso zvisingadi. Pasina mubvunzo, hapana-mutoro wemari ndiyo sarudzo yakanakisisa yekutengeserana kwevatengi vemari.
Iye zvino zvaunoziva nhumbi yako yekugoverwa, iwe unotanga kutanga kusarudza mari yakanakisisa yekubhadhara iwe uye zvinangwa zvako zvekutsvaga. Kana iwe uine sarudzo yakawanda yekutengeserana kwemari iwe unotanga nekushandisa mari yekugadzirisa kana iwe unogona kungofananidza kushanda nechinangwa. Iwewo unoda kufunga nezvekukosha kwehutano hwemari pamwe chete, yakadai semari mari yekubhadhara uye mari (ona Mari Inoshandiswa Ratio ), uye mutariri wekugara .
Chinonyanya kukosha kuva nechokwadi chekusarudza kusarudzwa kwakasiyana siyana kwemari inobatanidza kusangana nekukanganisika kwengozi yako nekutsvaga zvinangwa.
Kuongororwa kwemari pamwe chete kunogona kuitwa nyore nyore neshandiswa yakanaka yekutsvakurudza iri paIndaneti. Kunyangwe iwe uri wekutanga kana kuti purogiramu uye kana uri kutsvaga kutenga zvakanakisisa mari yekutengeserana, rongororai mari iripo iripo, kuenzanisa uye kuvhara mari yakasiyana-siyana kana uri kungoedza kudzidza chimwe chinhu chitsva, idzi mutual fund yekutsvakurudza nzvimbo dziri pakati pezvakanakisisa.
Basa rekare rebato rekubatana pamwe haringavi chivimbiso chemigumisiro yeramangwana asi kana iwe uchiziva kuongorora kushanda - kana uchiziva kuti chii chaunotarisa uye chii chaunofanira kudzivisa - unogona kuita zvisarudzo zviri nani zvekusimudza.
Kana iwe uchifungidzira kuti yakanakisisa S & P 500 Index mari ndeyaya ine maAllest Expense Ratios, iwe unonyanya kururamisa. Zvisinei, kuwedzera kune kudhura mari, kune huwandu husina kusimba hwezvesayenzi uye unyanzvi hwokuenzanisira hunoita kuti mashomanana emakambani emakambani ehurumende akwanise kugovera zvakanakisisa index index .
Kuisa mu Mutual Funds Chidzidzo # 6: Kuvaka Purofiti Yenyu yeMutual Funds
Kuvaka chikamu chemari pamwe chete kwakafanana nekuvaka imba: Kune marudzi akasiyana-siyana emagadzirirwo, zvirongwa, zvishandiso uye zvinhu zvokuvaka; asi chimiro chega chega chinowedzera zvimwe zvinhu zvinokosha. Kuvaka purogiramu yakanakisisa yemari yemari inofanirwa kuenderera mberi kune mazano ekuchenjera, "Usaisa mazai ako ose muhomwe imwechete:" Chimiro chinogona kumira nguva yekutsvaga chinoda kugadzirwa kwemazano, nheyo yakasimba uye kushamwaridzana nyore yemari pamwe chete inoshanda zvakanaka nekuda kwezvaunoda.
Kuisa mu Mutual Funds Chidzidzo # 7: Ziva Zvinonyoreswa paMutual Fund Mitero
Imwe inoderedza sei mitero pamutengo wemari ? Ndeapi mapepa emari ari nani kune mabhadhareti eakawanikwa ? Sei wakagamuchira 1099? Kunzwisisa mutual fund taxation kuchakubatsira kuti uwedzere kubhadhara kwako kuburikidza nekuve muchengeti ane masimba. Sezvavanotaura vachienda, "Hapana chine chokwadi muupenyu asi rufu nemitero." Zvisinei, mitero inogona kuderedzwa kana kutodzivirirwa maererano nekutengeserana kwemari . Nokudaro, neruzivo rwezvakakosha pamutual fund taxation, iwe uchagonesa kuwedzera yako yakawanda yekutsvaga mari yezvemarikiti .
Kuisa mu Mutual Funds Tip # 8: Dzivisa Dave Ramsey Mistake
Dave Ramsey muchengeti akanaka uye anoita semunhu akanaka chaizvo. Zvisinei, maererano nekutengeserana kwemari mune zvakananga, ruzivo rwake rwekutsvaga ruzivo rwakapinda kune ngozi. Mutual fund investors vanogona kuwana mazano akanaka kubva muhurukuro yake yehurukuro asi ivo vakachenjera kunzwisisa mutsauko pakati pevaraidzo uye maitiro ekutsvaga maitiro.
Iva nechokwadi chekutarisa nyaya ino pane izvo Dave Ramsey anokanganisa nemari pamwe chete .
Zvine mazano mashomanana ezvesarudzo, vashandi vanokwanisa kuita zvakanaka kuvaka mahofisi avo. Asi yeuka kuti mutual fund research, analysis and portfolio management is not for everyone. Kana iwe usingafariri kuzviita, mikana iwe haungashamisi pairi.
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.