Nzira Iyo Vadzidzi Vokutanga uye Nyanyanzvi vanosarudza Mari Yakanakisisa
Kunyange zvazvo mari inobatanidza imwe yeiyo inowanikwa uye yakajeka mari yekutsvaga mari kune varairi vezviitiko zvose, hakuna chinhu chakadai se-size-inokodzera-dzose mazano ekutsinhanisa. Ichi ndicho chikonzero kune mabhuku asingaverengeki uye mawebsite anopa mazano uye mazano pamusoro pekuti sei uye kupi kwaunogona kuisa mumari pamwe chete.
Muchikamu chino iwe uchapiwa zvose zvakananga uye zvakananga mazano, pamwe nekubatana kune mamwe mashoko pamusoro pekugadzirisa mari inowanikwa. Mushure mokuverenga nyaya ino iwe unogona kukwanisa kusarudza kana iwe uchida kushandisa mutungamiri wekutsinhanisa kana kana uchida kuzviita iwe pachako.
Chinangwa chako chekutsvaga chii?
Chinangwa chei mari yako? Unodei kuti iite? Unenge uine nguva yakawanda sei iwe uchida mari iyi? Ingozi yakawanda yaunoda kutora kuti upiwe pamusoro-kurereji inodzoka? Iwe unoda kuti mari yako ikure kana iwe unoda kuichengeta iri kukosha ikozvino?
Mhinduro dzemibvunzo iyi dzichakubatsira iwe kusvika panguva yako yekutsvaga kwekutsvaga uye kubvumira kusangana nematambudziko , iyo ndiyo nheyo dzinokosha yekugadzirisa chinangwa chako chekutsvaga mari.
Sarudza Nhaka Yenyu Yakapiwa
Kana ukangosarudza chinangwa chako chekutsvaga mari, iwe unogona kugadzirisa kugoverwa kwemari yako , iyo inosanganiswa yezviwanikwa zvekutsvaga-zvikwereti, zvisungo uye mari-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). Iyo inowedzera kukurira kwako kwengozi yezvikwata zvakawanda zvaunenge uine nazvo maererano nezvisungo nemari mune chikwereti chako; uye yakaderera kukundwa kwako kwengozi, kuderera kwako kuwandisa kwematanda maererano nezvisungo nemari.
Ona idzi mienzaniso yekugadzirisa mapepa ekutungamira humwe hutungamiri: Aggressive Mutual Fund Portfolio Sample , Moderate Mutual Fund Portfolio Sample uye Conservative Mutual Fund Portfolio Sample .
Dzidzai Mhando uye Zvikamu zveMutual Funds
Mushure mekugadzirisa chimiro chekutanga chemafa enyu, iwe unogona kutanga kutarisisa mhando dzakasiyana dzemari uye mararamiro avo. 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 mari yebhasi, semari yemari yemhando, ine zvikamu zvakawanda zvezvikamu, zvakadai semabhizimisi emisika, mahombekombe makuru, mashomanana-mashizha, mabhizimisi ehurumende, mari yehupfumi, nezvimwe zvakadaro, izvo zvinowedzera kutsanangura mafambiro emari mari.
Dzidza Maitiro Okuongorora Mutual Fund
Pane zvakawanda zvinowanikwa, zvikamu uye zvikamu zvehutano mari. Zvisinei kune zvimwe zvishoma zvinhu zvinokosha zvekuziva, zvakadai sekuti ungaongorora sei mutual fund nekuita uye zvinhu zvinogona kukanganisa kushanda, zvakadai semari yebhadharo yemari. Zvisinei, kune zvakawanda zvakawanda zvokubhadhara mari kusarudzwa kupfuura kungoita basa uye mari. Kune vamwe vanozviita-ivo-selfers nevarayiridzi vekutsvaga kwekutsvaga, kufanana kwekutsvaga kwekutsvaga mari kunoita kuti basa rekuongorora rive nyore nyore.
Dzidzidzise paNzira dzakanakisisa dzekutsvaga mari
Hapana "yakanakisisa yekuisa mari" kunze kweiyo inokubatsira iwe . Uyewo hausi kuda kutanga nzira uye unoona kuti iwe unoda kuregera nekuda kwechimwe chiitiko chinotyisa chawakawana mune imwe nyaya yepa magazine. Usavhiringidzwa nezvose zvakare-zvakanaka-to-be-wechokwadi mazano emwedzi uye unamatira kune zvidzidzo zvenguva yakaedzwa.
Somuenzaniso, kana iwe usingadi kutsvakurudza uye kuongorora uye uchida kuchengeta zvinhu zviri nyore, iri nyore, ine mari inodhura yakasvibisa mapikicha ako inogona kushanda zvakakunakira iwe. Asi kana iwe uchida kutarisa pamusika nekuongorora zvinhu, iwe unogona kuongorora tsanangudzo kana tactical asset allocation . Saka kuisa maitiro uye maitiro akangofanana nenguvo dzinokukodzera iwe zvakanakisisa. Iwe haunoda chinhu chakakosha kana chakagadzirwa; unoda chimwe chinhu chisina kunaka chinogara kwenguva yakareba, kunyanya kana chinangwa chako chekutsvaga mari chinogara kwenguva refu (makore gumi kana kupfuura).
Dzidza sei Kuvaka Chikamu cheMutual 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. Muenzaniso wekugadzirwa kwakadaro kwakadanwa kunonzi core uye satellite .
Itai mari muIndaneti Pasina-Load Mutual Funds
Pasina mubvunzo, hapana-mutoro wemari ndiyo sarudzo yakanakisisa kune vose vanoita-iyo-iwe pachako boka uye avo vanonyanya kukosha mazano avo. Asi ndeipi mari yakanakisisa isina-mutoro uye inogona kuwanika kupi? Nezviuru zvemari pamwe chete yekusarudza kubva kune mazana edzimba dzakasiyana nedzimwe mhuri dzichivapa, mutyairi anogona kunetseka nekusarudzwa kusarudza uye zvichida kuita zvikanganiso zvisingadi.
Vazhinji vatyairi vemari vanoziva kuchengetedza mutero wekutengesa mari kana vachida kukwanise kudzorera kuburikidza nekuderedza mari yekutengesa mari . Vashandi vakawanda vanozivawo kuti vangasarudza sei mari yakanakisisa. Zvisinei, mutengi akachenjera zvikuru anoziva kuti kuve nyore, kuwedzera kune frugality, ihwo simba rakanaka mune unyanzvi hwekugadzirisa mari pamwe chete: Zvose izvo zvinodiwa kuti zvivakwe zvakanakisisa mutual fund chikwereti ndosarudza imwe yakanaka isina-load fund mhuri uye sarudza mashanu kana nhanhatu dzemafuta avo vasina-mutoro kubva kumarudzi akasiyana-siyana ekubatanidza mari.
Sarudza: Unozviita Iwe pachako Here kana Kuti Uchitsvaga Mupi wezano?
Iwe unozviita iwe pachako kana kusarudza nyanzvi yezano rezvemari, uri kusarudza mutariri . Tanga sarudzo yekubhadhara mupi wezano kuburikidza nekubvunza mibvunzo shomanana yekufungisisa: Kana shamwari yaida mupi wezano, iwe ungakurudzira iwe here? Iwe unoda kukupa iwe semudzidzisi kana iwe unoda kukwereta mumwe munhu here? Chii chinokosha nguva yako kana ichienzaniswa nemari yemari yekushandisa mutariri? Unofara here nekutsvakurudza kwekutsvaga kwekutsvaga kwekutsvaga nekugadzirisa mari kana iwe unotya kuzviita kusvika pakusatarisa mari yako?
Dzidza Nezve Marudzi Ekubhadhara Mari
Kana iwe ukasarudza kuhaya mutungamiri, ndeipi inonyanya kushandisa mari yako uye yekutsvaga mari? Unofanirwa kushandisa RIA here kana kuti mutengesi wemabhizimisi ari nani? Chii chinonzi CFP uye chii chakanakira kuishandisa?
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.