Zvaunoda Kuziva Pakutsvakurudza uye Kuongorora Mari
Hezvino chaunofanira kuongorora kana uchitarisana pamwe chete nekutsvakurudza:
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Mari yemuviri haifaniri kumhanya. Vanoda kutarisirwa uye avo vatungamiri havazi vakasununguka! Mari inoshandiswa kushanda pamwe chete mari inogona kunge yakabatanidzwa senhengo. Asi zvose zvaunoda kuziva ndezvokuti zvepamusoro mari hazviwanzoshanduri muchikwereti chechipiri chekubhadhara mari. Ichokwadi, kuderera kunodhura kunowanzoshandura muidzo dzakakwirira, kunyanya kwenguva yakareba kwenguva.
Asi mari yei inodhura yakareba? Ndeipi yakanaka? Paunoita tsvakurudzo yako, gara uchifunga mupfungwa inoshandiswa mari yakaenzana yekutengeserana mari. Heano mienzaniso mishomanana:
Makuru-Cap Stock Funds: 1.25%
Mid-Cap Stock Funds: 1.35%
Small-Cap Stock Funds: 1.40%
Kune dzimwe nyika Nhamba dzeMari: 1.50%
S & P 500 Index Chikwereti: 0.15%
Bond Funds: 0.90%Usambofa uchitenga chikwereti pamwe chete nemari yakawanda yakakosha kupfuura iyi! Cherechedza kuti mavhareji anoshandiswa anoshandiswa nemari. Chikonzero chakakosha cheizvi ndechokuti kutsvakurudza mari yekufambisa mabasa kwepamusoro kwepamusoro kune dzimwe niche dzenzvimbo, zvakadai seduku duku-mashizha uye dzimwe nyika, apo mashoko haasi nyore nyore kuenzaniswa nemakambani makuru emisha. Uyewo inotarisa mari inenge isingatungamiri. Saka mari inogona kuchengetedzwa zvakanyanya.
Mutungamiri Mukuru (Kubatsira-Kutarisirwa Mari)
Mutungamiri wekutora zvinoreva nguva yakawanda, inowanzoyerwa mumakore, mutual fund manager kana boka rekutungamirira rave riri kutarisira imwe mutual fund.
Mutungamiri wehurumende ndiyo inonyanya kukosha kuziva kana kuisa mari mumari inobatanidzwa yakabatana. Vatungamiri vemari yakachengetedzwa zvakashanda vari kuedza nekushingaira kuparadzanisa imwe nharaunda, yakadai seS & P 500; asi mutungamiri wepaspose-managed fund iri kungoisa mari muzvivako zvakafanana nechechi.
Kana uchitarisa chikamu chekutengeserana kwepachikoro, iva nechokwadi chekusimbisa mutungamiri kana timu yekutungamirira ave ari kutarisira chikwereti chenguva yaunenge uchiongorora. Semuenzaniso, kana iwe uchikweverwa kumakore mashanu ekudzoka kwebato rekutengeserana asi mutungamiri wekugara ari gore rimwechete, kudzoka kwemakore mashanu hakusi kwekutaura pakuita sarudzo yekutenga mari iyi.
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Imwe chikwereti chekuchengetedza mari inomiririra zvivimbiso (zvigadzirwa kana zvisungo) zvakachengetwa muhomwe. Zvose zvebato rinobatana zvinosangana nekugadzira chikwereti chimwechete. Fungidzira bhaketi yakazadzwa nematombo. Bhuku ndiro mari yekutengeserana uye rimwe dombo ndiro rimwechete kana bhizinesi. Nhamba yematombo ose (mashizha kana zvisungo) zvakaenzana nenhamba yose yekubata.
Muzvizhinji, mutual funds ine nzvimbo yakakwana yehuwandu hwekubata uye urwu hunoenderana nechikamu kana rudzi rwemari . Semuenzaniso, mari yekuenzanisira uye imwe mari yezvisungo inotarisirwa kuva nenhamba yakawanda yekubata, kazhinji mumazana kana kunyange zviuru zvematokisi kana zvisungo. Kune mamwe akawanda mari, kune zvisingabatsiri kuva nemadhora mashoma kana akawanda.
Kazhinji, kana mari iine masangano makumi maviri kana makumi matatu chete, kusagadzikana uye njodzi inogona kunge yakakwirira kwazvo nokuti kune zvishoma zvigaro zvine huwandu hukuru mukushanda kwebato rekubatana. Zvimwewo, kana mari iripo ine 400 kana 500, iyo yakakura kwazvo zvokuti basa rayo rinogona kunge rakangofanana nehurukuro, yakadai S & P 500. Munyaya iyi, mutengesi anogona kungotenga imwe yepamusoro S & P 500 rondedzera mari panzvimbo pekutakura chikamu chikuru chemari pamwe nemazana edzimba.
Mari iyi ine zvikwata zvishoma zvakadai sechikepe chiduku pagungwa chinogona kufamba nokukurumidza asi chinogonawo kuchinjwa kune dzimwe nguva mafungu makuru. Kunyange zvakadaro, mari iyi yakawanda kwazvo inogona kunge yakakura zvikuru inogona kunge isingakuvadzi zvakawandisa nemvura inoshanduka asi haikwanise kubva kune ganda rinogona kubvarura uye rinyura seTitanic.
Tarisa homwe yekodha ine zvinyorwa makumi mashanu asi pasi pemakumi maviri. Izvi zvinogona kuvimbisa "kurudyi" ukuru hwuri duku kana kuti hukuru. Yeuka hutongi hwemaapuro-to-aples uye tarisa mazamu epepa inopiwa ye mutual fund . Kana chikwereti chauri kuongorora chiri chakanyanya kuderera kana chakakwirira muwandu huwandu hwekubata kune huwandu hwemagariro akaenzana, iwe ungada kutsva zvakadzika kuti uone kana mari iyi yakakunakira iwe.
Uyezve, iwe unoda kuona kana mari yauri kuongorora ichienderana nemamwe mari muhomwe yako. Chikwama chine mabhizimisi makumi maviri chete chinogona kuva pangozi pachako, asi chinogona kushanda senhengo imwechete yekusanganiswa kwakasiyana-siyana kwemari pamwe chete mukati memugovera wako.
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Apo kutsvakurudza uye kuongororwa kwemari, kunyanya mutengo wemari, zvakanakisisa kutarisa kushanda kwenguva refu, iyo inogona kuonekwa semakore gumi kana kupfuura. Zvisinei, "nguva refu" inowanzoshandiswa kushandiswa mukureva nguva dzisiri nguva pfupi, yakadai segore rimwe kana kuti pasi. Izvi ndezvokuti makore ane makore 1 haajekese ruzivo rwakakwana pamusoro pekugadzirisa mari yehurumende kana kukwanisa kukwanisa kubhadhara chikwereti chekutsvaga mari kuburikidza nemhepo yakakwana, iyo inosanganisira nguva dzekutengesa pamwe nekukura uye inosanganisira mhando yemombe uye kutakura misika . Kushandurwa kwemusika wose kunowanzotora makore matatu kusvika mashanu. Ichi ndicho chikonzero zvakakosha kuongorora kushanda kwemakore matatu, makore mashanu nemakore gumi ekudzoka kwemumwe mutero. Iwe unoda kuziva kuti mari iyi yakaita sei kuburikidza nepamusoro uye pasi pemusika.
Kazhinji vashandi venguva refu vanoshandisa kutenga uye kubata sarudzo , uko mari yekutengeserana inosarudzwa uye yakatengwa asi haina kuchinjwa kusvika kumakore akawanda kana kupfuura. Iyi sarudzo yakave yakanyatsorondedzerwa zvakanyatsorongwa nehupenzi hwepasitosti .
Mumwe muzvikwereti kwenguva refu anogona kukwanisa kutora mari yakawanda yemusika nemari yavo. Nokudaro, kana vasingatarisiri kutora dambudziko risina kukwana, vanogona kusarudza kuvaka dambudziko rekugadzirisa mari yemari .
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Shanduro yekudzoka kwechikwata chekugadzirisa chikwereti chiyero chinoratidza chikamu chechimwe chikwereti chezvikwata zvakatsiviwa (zvakashandurwa) mukati megore rapfuura. Somuenzaniso, kana mari inobhadhara inotengeswa mumatokari zana akasiyana-siyana uye makumi mashanu ayo anodzorerwa mugore rimwe chete, chiyero chekubhadhara chikava 50%.
Chiyero chechibhadharo chakaderera chinoratidza kutenga uye kubata urongwa hwemari inobatanidzwa pamwe chete nemari asi inowanzoenderana nemari yakasarudzwa-yakarongwa , yakadai semari yekuenzanisira uye Exchange Traded Funds (ETFs) . Nenzira yakawanda, uye zvimwe zvinhu zvose kuenzana, mari inoshandiswa nehuwandu hwekubhadhara mari ichava nepamusoro yekutengesa mari ( Imari Ratio ) uye yepamusoro mitero yemutero, kupfuura mari yebhadharo. Mukupfupisa, kutengesa kwechidiki kunowanzoshandura kuva yakakwirira yehutano .
Zvimwe mutual fund types kana zvikamu zvemari zvakadai semari yebhadha nediki-cap stock fund ichave yakakonzerwa nehuwandu huwandu (kusvika kune 100% kana kupfuura) apo mamwe mhando dzemari, dzakadai semari yekuenzanisira, dzichava nechechi yepamusoro inowanikwa (inopfuura 10%) zvichienzaniswa nezvimwe zvikamu zvemari.
Kazhinji, kune marudzi ose ehutano hwemari, chikamu chechibhadharo chakaderera chiri pasi pe20% kusvika ku30% uye kuwedzerwa kwepamusoro kunopfuura 50%. Nzira yakanakisisa yekugadzirisa mutengo wakanaka wekupa mutual fund type ndeyokuita "maapuro nemaapuro" kuenzanisa kune imwe mari mune imwechete yevheji. Semuenzaniso, kana svondo rehomwe yehomwe yehomwe yehomwe ine chikamu chekutsvaga ye 90%, unogona kusarudza kutsvaga mari shomanana nemakashanduki akawandisa zvakanyanya pasi peyero yevhareji.
Kubudirira Kwemitero (Taxable Accounts)
Iyi tsvakurudzo yehutsananguro ndeyekutsvakurudza mari iyo ichaiswa mukodha yekwereta inotengesa (kwete yekodhesi yakaremberedzwa, yakadai seIRA kana 401k). 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. Izvo zvinosvikira 1099-DIV inouya mumeyili .
Chidzidzo chekutanga 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.
Sangano rekubatanidza mari rinonzi inobhadhara mutero kana ichitsvaga muzinga rakaderera kune mamwe emari mari. Mari inoshandiswa mutero ichaita kuti uwandu huri pasi huwandu hwezvikwereti uye / kana kuti mari yakawanda inowanzoenzaniswa neyvesuzhinji mutual fund. Kusiyana neizvi, mari inenge isingabhadhara mari inokonzera zvikwereti uye / kana mari inowanikwa kune imwe yenhamba yepamusoro kune imwe mari inobatanidza 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 inowedzera-yakakosha, yakadai sediki-cap stock stock, uye mari isingatarisidziki, zvakadai semari inoratidza mari uye Exchange Traded Funds (ETFs) .
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.
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.
Chinangwa chikuru chemuti wekugadzira mari ndeyekuchengetedza mitero kune zvishoma nekuti mitero inokwevera pane zvadzo zvachose zve mutual fund portfolio. 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.
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Paunotsvakurudza mari, zvakakosha kuziva kuti ndeupi chikwereti kana chikamu chaunoda kutanga kana kupedza chikwereti chako.
Mari inobatanidza yakarongeka muzvikamu neatset class (masitokisi, zvikwereti, uye mari) uye inowedzera zvakarongwa nemutauro, 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.
Mari yekosi inotanga kuenzaniswa nemutauro maererano nemavhareji emari yemari (ukuru hwebhizimisi kana sangano rakaenzana nemutengo wekugovana nguva iyo inhamba yezvikamu zvakakosha):
Mhando dzemari yezvisungo uye kuti dzinorongwa sei dzinogona kunzwisiswa zvakanakisisa kuburikidza nekudzokorora zvinyorwa zvezvisungo . Zvikwereti zvinonyanya kukosha IOUs yakabudiswa nemasangano, akadai sehurumende yeUnited States kana makambani, uye mari yezvemabatanidzwa ehurumende inonyanya kusarudzwa nemamwe masangano anoda kukwereta mari nekubvisa zvisungo:
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Nzira yekudonha ndiyo inonyanya kuzivikanwa dambudziko rekubatana kwemari, kunyanya mari yakachengetedzwa zvakakwana, iyo iyo mutariri wemari inotengesa kunze kweimwe rudzi rwekuchengeteka uye inotenga zvimwe zveimwe rudzi rwakanga rusingave rutivi rwechinangwa chepakutanga chesimba. Semuenzaniso, hombe-cap stock mutual fund inogona "kutengesa" kusvika mukatikati memutambo wepakati kana maneja anoona mikana yakawanda munzvimbo dziduku.
Paunenge uchiita tsvakurudzo yako, iva nechokwadi chekutarisa nhoroondo yemutambo wemari. Mambakwedza anoita basa rakanaka rokupa ruzivo urwu.
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R-squared (R2) ndiyo inowedzera inhamba yevatori vanogona kushandisa kusarudza kushandiswa kwekutsvaga kwekutsinhanisa ne (kufanana ne) chidimbu chinoratidzwa. Vatangadzi havafaniri kuziva izvi pakutanga asi zvakanaka kuziva. R2 inoratidza huwandu hwekufambisa kwechikwama chinogona kutsanangurwa nekufambisa mune purogiramu yechiratidzo. Semuenzaniso, R-squared yezana rinoratidza kuti kufamba kwose kwehomwe kunogona kutsanangurwa nekufamba mumutsara.
Mumashoko akasiyana, mufananidzo wehurukuro, yakadai seS & P 500 , iyo inopiwa kukosha kwezana 100. Rimwe chikwereti che R-squared chinogona kufungidzirwa kuenzanisa kunoratidza kuti yakafanana sei nehomwe mari inoenda kune index. Kana semuenzaniso, mari yeR-squared ndeye 97, zvinoreva kuti 97% yemafambisirwo emari (ups and downs in performance) zvinotsanangurwa nekufamba mumutsara.
R-squared inogona kubatsira vatyairi pakusarudza mari yakanakisisa nekugadzira kuparadzanisa kwemahofisi avo emari. Semuenzaniso, murimi anotora S & P 500 Index fund kana chimwe chikwereti chakakwirira R-squared kuS & P 500 , chichatsvaka kuwana mari pamwe nechechichechi (pasi R-squared) kuti vave nechokwadi chokuti vari kuvaka portfolio ye diversified mutual funds .
R-squared inogonawo kubatsira mukudzokorora mari iripo mune imwe nzvimbo yemahofisi kuti ive nechokwadi chokuti chimiro chavo hachina "kutama" kune icho chekuenzanisa. Semuenzaniso, pakati pe-cap stock fund inogona kukura muhukuru uye mutariri wezvikwama angaramba achitenga mabhizimusi makuru emakore panguva. Pakupedzisira, chii chaive chiri pakati pehomwe mari yekutengesa mari pawakatenga iko zvino mari inofanana neS & P 500 Index fund.
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Paunowedzera mari itsva, iva nechokwadi chokuti hauri kuisa mari kune imwe nzvimbo yaunenge uine muhofisi yako. Kuwirirana kunowanzoitika apo mumwe mukoti ane zvikwereti zviviri kana kupfuura zvakabatana zvinoshandisa zvikwereti zvakafanana. Nokuda kwemuenzaniso wakajeka, kana muine wekushandisa mari mbiri yemari pamwe chete uye ivo vari vaviri vanoisa mari mumatokisi akawanda, kufanana kunobatsira kugadzirisa zvakakosha zvekusiyana-siyana kuburikidza nekuwedzerwa kune zvikwereti zvakafanana - kuwedzera kusingadi kutengeswa kwemisika .
Chimbofungidzira mufananidzo weVenn ane mativi maviri, imwe neimwe inomiririra mutero wekubatana, uchibatana mukati. Somurimaiti, iwe haunoda zvakawanda zvepakati-kati pakati pemakwikwi - unoda zvishoma zvishoma zvaunogona kuita. Semuenzaniso, edza kuti usapinda kune rimwechete-guru-cap stock kana index fund, imwe yekunze mari yemari, imwe imwe-cap stock fund, one bond fund, nezvimwe zvakadaro.
Kana iwe uchida kuva nemari yakawanda, kana iwe une 401 (k) urongwa husina zvarudzo, unogona kuona mari iripo nekutsvaga pane imwe nzvimbo dzakanyanya kutsvakurudza nzvimbo yekuongorora mari pamwe chete uye kutarisa R-squared (R2).
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.
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Zvikanganiso zvakajairika kutanga vatengi vanoita ndekukanganisa mutengo nekokukosha uye kukanganisa mutengo ne Net Asset Value (NAV). IAV yehurumende yekutengeserana haisi iyo mutengo asi panzvimbo yehuwandu hwekuchengetedzwa kwemari muhomwe yezvikwereti zvinokanganisa, zvakagoverwa nemiganhu yakawanda. Nokuda kwezvinangwa, zvisinei, NAV inogona kuonekwa se "mutengo." Kunyange zvakadaro mutengo wakakwirira haurati kukosha kwepamusoro uye mutengo wakaderera hauratidzi hurombo husina kunaka kana hutengo. Chinokosha: Rega NAV; hazvina chokuita nehuwandu kana kukwanisa kwehurumende yega yega.
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Vazhinji vanotengeserana mari vanofanirwa kuchengetedza nguva shoma pabasa pavanoita tsvakurudzo yavo nokuti mari zhinji pamwe chete haina kukodzera nguva shoma dzekutsvaga; iyo yakagadzirirwa kuwirirana kwenguva refu (makore matatu kusvika kune gumi kana kupfuura) zvinangwa zvekutsvaga. Nguva pfupi, pamusoro pekutsvaga mari, kazhinji inoreva nguva inopfuura makore matatu. Izvi zvinowanzoitikawo pakuisa zvikwata kune vashandi pamwe nekuchengetedzwa kwezvisungo. Kutaura zvazviri, zvikwereti zvizhinji zvekutsvaga mari, kusanganisira mashizha, mari pamwe chete, uye dzimwe zvikwereti uye mari yehutano, hazvikodzeri nguva dzekutsvaga mari pasi pemakore matatu.
Semuenzaniso, kana mupi wezano wekutsinhanisa anobvunza mibvunzo kuti aone kushaiwa kwako kwengozi, vari kutsvaga kutsvaga zvipi zvekutsvaga mari zvakakodzera iwe uye zvinangwa zvako zvekutsvaga. Saka, kana iwe uchiudza mutungamiri wako chinangwa chokutsvaga ndechekuchengetedza kwezororo iwe uri kuronga kutora makore maviri kubva ikozvino, iwe unogona kuve sarudzo semushambadziri wenguva pfupi. Saka zvishoma zvishoma zvekutsvaga maitiro zvingave zvakanaka kune iyi chinangwa chokuchengetedza.
Mari yebhadha uye yezvisungo inoshandiswa sechinguva chiduku kana kukura kwakakwana (kana kunyanya kune izvo zvinonzi kureba kwenguva) iri pakati pemakore 1 ne3,5.
Apo kutsvakurudza uye kuongororwa kwekutsvaga mari, kunyanya mari yakabatanidzwa yakabatanidzwa , gore remakore 1 harina kupa chero ruzivo rwakavimbika mune imwe mari yeruzivo yekuita zvakanaka mune ramangwana. Izvi ndezvokuti nguva yemakore 1 hairatidzi ruzivo rwakakwana pamusoro pekugadzirisa mutevedzeri wezvikwereti kugadzirisa chikwereti chekutsvaga mari kuburikidza nemutengo wose wemusika, unosanganisira nguva dzekutengesa uye pamwe nekukura uye inosanganisira mhando yemombe uye kutakura misika .
Kushandurwa kwemusika wose kunowanzotora makore matatu kusvika mashanu. Ichi ndicho chikonzero zvakakosha kuongorora kushanda kwemakore matatu, makore mashanu nemakore gumi ekudzoka kwemumwe mutero. Iwe unoda kuziva kuti mari iyi yakaita sei kuburikidza nepamusoro uye pasi pemusika. Nokudaro, nguva pfupi (pasi pemakore matatu) haisi kuongororwa apo kutsvakurudza kuwirirana kwemari kwekutsvaga kwemazuva akawanda.
Manager Tenure (For Index Funds)
Hongu, chiyeuchidzo chako chakarurama: Zvakachenjera kuongorora mutariri wekutora kana achitsvakurudza mari inobatanidzwa yakabatana, iyo inoita zvakananga. Kunyange zvakadaro hazvina maturo kugadzirisa mumiririri wekutora mari . Rega nditsanangurire ...
Nhepfenyuro yemari haisi kunyanya kutarisirwa, izvo zvinoreva kuti hazvina kugadzirirwa "kurova pamusika;" iyo yakagadzirirwa kuenzanisa nhamba yekuenzanisa, yakadai S & P 500. Saka iyo mutevedzeri wemari haisi mutungamiriri chaiye; ivo vari kungotenga uye kutengesa zvikwereti kuti zvienzanise chimwe chinhu chiripo.
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.