Kana uri kungofunga kuchatenga mutual funds kana kuedza kusarudza nzira yekugovera yako 401K, iwe unogona kunge uchishamisika nezvemhando dzakasiyana dzemari pamwe chete. Zvinogona kuvhiringidza kusarudza nzira yekugovera mari yako kana iwe usinganzwisisi musiyano pakati pekukura kwechikwata uye mari inokosha. Kana ukangonzwisisa musiyano mumhando dzemari, iwe uchiri kutarisa kutarisisa pane imwe mari yaunosarudza. Iwe unofanira kufananidza kukura kwenguva refu, chiyero chekudzoka, uye mari inosanganiswa nechikwama chimwe nechimwe. Zvakakosha kuziva kuti mutual fund haisi chinhu chakafanana ne 401 (k). A mutual fund ndiyo inoshandiswa mari inogona kuve chikamu chekutsvaga mari yako yezvekutsvaga mari uye akawanda 401 (k) inoshandisa mari pamwe chete. Kana iwe wakavhiringidzika, nguva dzose iri pfungwa yakanaka yekukurukurirana nemudzidzisi wezvemari anogona kutarisa mamiriro ako ega uye zvinangwa.
01 Growth Funds
02 Value Funds
A value fund ingirozi inotenga mashizha kana isingatarisirwi uye inobata pavari sezvavanokura. Iyi haisi mari yavanotengesa nayo mashizha kakawanda. Matanda ayo vanotenga kazhinji ane zvikomborero zvakanaka, iyo ndeimwe yenzira dzavanoita mari. Mari inoshandiswa nekambani iyi yakaderera nokuti inobata pamatokari kwenguva yakareba. Njodzi dzinosangana neizvi dzakaderera zvikuru. Kukosha kwemari kunofungidzirwa kuva chiyero chekuchengetedza.
03 Index Funds
Imwe nyanzvi mari yehomwe inoedza kuenzanisa kukura kwezvikamu zvakasiyana-siyana, zvakadai seNASDAQ kana S & P 500. Iyi mari inoshanda nenzira mbiri dzakasiyana. Zvimwe zvemari pamwe chete zvinoshandisa mabhizimisi kubva kumakambani ose akanyorwa pamusoro pezverwe, asi vamwe vanosarudza uye vanosarudza mashomanana mashomanana pamusoro pemararamiro akareba. Mari inowanikwa pane idzi inowanzove yakaderera zvikuru sezvo makambani asingawanzozvitengesa mashizha.
04 Blend Funds
A blend fund ndeyekubatanidza mari iyo inobatanidza kubata kwayo nezvikamu zveimwe mhando dzemari. Vanogona kuwedzera kune dzimwe nzira dzekutsvaga mari, zvakare. Dambudziko racho rinowedzera kupararira, asi rinogonawo kugadzirisa kukwanisa kuwedzera kuripo. Zvakakosha kuti iwe usarudze homwe yekodhi nekodhi rakanaka rekuita, kuitira kuti uite zvakanakisa kuunganidza mari mari iwe unogona.
05 Kusarudza Nzira Yakanakisisa Yezvikwereti Kwemari Yako
Paunenge uchitsvaga mari yakanakisisa, unofanirwa kuyeuka kuti kiyi yemusika wekutengesera ndeyekusiyanisa chikwereti chako. Kunyangwe iwe unogona kutanga nemhando imwe yemari, iwe unogona kubuda kune vamwe. Iwe unogonawo kukwanisa kusarudza mhando dzakasiyana dzemari yaunoshandisa mukati mako 401 (k). Kana usinganzwisisi kuti unoda sei kuisa mari, taurirana nemudzidzisi wezvemari uyo anofanira kunge achigona kutsanangura iyo ins uye kunze kwekutsvaga mari.