Mutual Funds Inogona Kubhadhara Mitero Mikuru Yezvemitero Mukutakura Makambani

Nzira yekuzvidzivirira nayo mitero yakaipa zvikuru inoshamiswa kubva mumari yako

Vashandi vakawanda vanobatana mari imwe chete kunze kwekambani yakabhadharwa nekodzero yakawanda yakadai 401 (k) kana Roth IRA vari kugamuchira kusagadzikana kusununguka apo mutengesi wavo anovatumira magwaro ekupedzisira emitero. Avhareji yevanhu vakarasikirwa ne30%, 40%, uye kunyange 50% kana kupfuura vanogona kuwana kuti vane chikwereti chekuwana mitero kune avo vanorasikirwa. Usafunga kuti zvinobvira? Zvinosuruvarisa, nekuda kwenzira iyo mari yekutengeserana yakarongeka, ichokwadi chechokwadi kuti vakawanda vatsva vesairi havazivi kunyange.

Kudonha muDziva Renyu Rezvinhu

A mutual fund haisi chinhu chinongova padzimba yezvinhu zvinotarisirwa nechepamhidziri wemari maneja. Mitemo yemitero inotaura kuti chikwereti chinoda kubhadhara chikamu chayo, kubhadhara mari inowanikwa, uye imwe mari inowanikwa kune vashandi vemari mari gore negore pane puro-rata. Mari zhinji, kunyanya avo vane makambani ekurairidza avo vanoda kutora nzvimbo dzenguva refu, vanogona kudzivisa mitero kwemakore nokuti vanotenga zvikamu zvebhizimisi uye vanongozvitsvakira mubhangi yebhangi. Izvi zvinovabvumira kuchengetedza mari yakawanda kushanda kune avo vanochengetedza mari. Mhedzisiro ndeyemakore, dzimwe nguva makumi emakore, emari isingabatsiri mari inowedzera kukosha kweko mutual fund yako mutengo wekugoverwa asi hauna kumbogoverwa-uye nokudaro, haubhadhara mutero pavari.

Mukutya kukuru kwakaitika pamusoro pemwedzi gumi nemasere akapfuura sezvo dambudziko rekwereti rakapinda kuburikidza nemari yezvemari uye muhupfumi hwakawanda, chimwe chinhu chisingatarisirwi chakaitika.

Avhareji yevatengesi, vasingakwanisi kugadzirisa kushungurudzika kwemaviri-digit digit kuchinja kwezvinhu, vakasiya mari yavo pamwe chete. Izvi zvakamanikidza vashandi vanogadzirisa mari iyi kutengesa pamatokari avo vaiziva kuti vaikodzera zvakanyanya kudarika zvino mutengo wemusika kuitira kuti vauye nemari kune avo vaida kubva mune mari.

Apo ruregerero rwakava rukuru, vazhinji vavo vakamanikidzwa kutengesa zvikamu zvevaya vainge vakunda kwenguva refu vakange vane zvikwereti zvikuru zvisingabatsiri. Pasinei nokurashikirwa kukuru kwegore, kubudirira kwezvivimbiso zvekugara kwenguva refu kwaiwanzokosha. Sekudzikinurwa kwakazara mukati uye zvikamu zvakatengeswa, kuwanikwa kwakazadzika kunokonzera - iwe wakazvifungidzira - mutero mukuru wawanikwa.

Kuenzanisira pfungwa, regai ndive muenzaniso. Fungidzira kuti ndakakwanisa kubhadhara mari inonzi Super Value Fund 500. Makore makumi maviri akapfuura, iyi fictional fund inotengeswa muMicrosoft IPO. Takashandura mari inosvika madhora mazana mashanu emadhora mazana mashanu emadhora madhora mazana mashanu emadhora emadhora emadhora mazana mana nemakumi mashanu emadhora. Iye zvino, hatina kumbobvira tatengesa chero yemaoko kuitira kuti pasave nemitero yakabhadharwa pfuma iyoyo. Dai taifanira kutengesa zviyero uye kugovera pfuma ye $ 499,500,000 kune mutual fund shareholders pro-rata, ivo vose vaizove nehanya nemitero yavo. Izvo zvakachengetedza mari yavo kuburikidza nemubhadharo kana kuti mutero-zvakabhadhara kero hazvikwereti chinhu, asi avo vaive nezvikamu zvavo zvakabatwa kuburikidza nekodha rekwereti yekwereta vaizozviisa pasi pemutero wekuwana mari (ikozvino 15% seyenguva yenyaya ino).

Vaizopawo mvumo yeHurumende pamusoro peiyo.

Sezvo mutungamiri wegadziro, ini ndingasava nechinangwa chekutengesa iyo shamba. Kana misika inoputika uye vashandisi vemari vanovhunduka, zvakadaro, ini ndichatofanira kumanikidzwa kuuya nemari kuti ndidzikinure zvikamu zvavo. Somugumisiro, ini ndinogona kukamanikidzwa kutengesa zvimwe zveMicrosoft, zvichikonzera huru, yakavakwa mari inowanikwa mubhadharo. Izvo zvinotyisa ndezvokuti dai wainge watenga mari yako masvondo mashomanana isati yaitwa chisarudzo uye kugoverwa kwaibhadharwa pamagumo egore, iwe unobhadhara kubhadhara makore anopfuura makumi maviri emitero yekubhadhara kune mumwe munhu akawana mari kunze kwemavara-pasina. Saka, iwe hausi kungotarisa kuti maitiro ako awire pasi apo misika inowira, asi iwe unotora kutora tende kune mumwe munhu akave nekukwira kwemakore ekumazana emakore mumakambani software.

Chaizvoizvo chinosuruvarisa nemamiriro ezvinhu ose ndechokuti varume nevakadzi vanoita zvakanyatsoitwa nehuwandu hwemakore, kureva kuti, vachienderera kudhora mari inodhura , kudzorera zvikwereti , uye kutarisa pane zvakasimba zvehupfumi, vakarangwa nekuda kweupenzi hwevamwe. Ndosaka zvakakosha kuzvizvidzivirira pamberi pechinhu chakadai chakaitika. Sei? Nokutevera mitemo miviri iri nyore.

• Usambofa uchitenga mutero wekutengeserana usati waparadzirwa kunze kwekuti uri kuburikidza nenhoroondo isina mutero.
• Usambofa uchitenga mari yekutengeserana kunze kwemutero usingabhadharwi kana kubhadhara mitero yakadai sa 401 (k), Roth IRA, SEP-IRA, Simple IRA, Purogiramu Sharing Plan, uye izvi kunze kwekuti iwe unoda kutora ngozi mutero kubhadhara.

Tevera mazano maviri aya uye iwe unenge uine mukana wokurwisana wokudzivisa kusaruramisira kwekubhadhara mitero.