International Equity Funds Ndiyo Nzira Yakakura Yokuwana Kunze kwekune dzimwe nyika
Kunyange kana iwe usingazivi zvakawanda pamusoro pekubhadhara mari, iwe unogona kunge wakakwaniswa kune imwe nyika yekutengesa mari mune yako 401 (k) kana IRA. Saka chii chinonzi mutual fund mutual fund, uye ndiani anoda imwe?
Chokutanga, ngatitorei chikamu chekuenzana. Kuenzana kunoreva chikwata . Chikamu kana zvikamu zvekambani yaunogona kutenga kana kutengesa. Yakawanda mari yemari iyo isiri iyo mari yezvisungo inobata chikamu chemazana. Izvo zvinowanzova nengozi kuva nehana kupfuura zvisungo, asi muchiitiko chekupa zvikwereti zvakakwirira.
(Zvakawanda zvepfuma - kusanganisira Warren Buffett - yakavakwa kuburikidza nekutenga matokisi.)
Nharaunda dzenyika dzakawanda matanda emakambani asiri eUnited States. Maererano nemushumo weVanguard, makambani asiri eUnited States anomiririra zvinopfuura hafu yepasi rese yemari . Izvo zvinoreva zvinopfuura hafu yezvinhu zvose zvemakambani ari munyika zvakakosha. Inenge 73 muzana yemakambani makuru eFondune muna 2011 akanga ari kunze kweU.S., maererano neshumo raEdward Jones. Kana iwe usingaiti mari mumakambani epasi rose, iwe uri kurasikirwa nekutsvaga mari mumakambani akawanda anokosha.
Kuva nemafungiro emarudzi akawanda kunogonawo kubatsira kusimbisa kudzoka kwako. Pakazosvika 1970 kusvika muna 2016, chiyero chegore negore chekudzoka kubva kune dzimwe nyika mumatengesi akakwidziridzwa waiva 8.6%. Munguva iyichete nguva kudzoka kwemahombekombe makuru eSU aiva 10.3%. Uye nokuti misika yeUnited States nemakethe emahombekombe haasi nguva dzose kufamba nenzira imwechete (nyika yose inorova US mashizha muma1970 nema1980, US inotungamirirwa muma1990, nyika dzakawanda dzakaita zvishoma zvishoma muma2000), kuva nematokari enyika yose kunogona kubatsira kuderedza chikwata chenyika yose.
Apo rumwe rutivi rwemisika yemunyika huri kutsika, imwe inogona kunge ichiita zvakanaka. Kuita zvose zviri zviviri kunobatsira kuunza mararamiro kune chikwereti.
Izvo zvikwereti zvehutano zvepasi rose hazvifaniri kuvhiringidzika nemari yakaenzana mari. Chii chakasiyana? Mari yakaenzana yemari yakawanda inoumbwa nematokari emakambani chero kupi zvako.
IAmerica uye vasiri vemuAmerica Kana iwe ukasimudza mune mari yepasi pose kuti uwane kusununguka kwenyika yose, unogona kuona kuti vazhinji vehomwe yezvikwama iri mumakambani eSU. Uye iwe unogona kunge uine makambani iwayo mune imwe mari yehutano. Kana iwe uchida kusiyanisa, nyika dzakawanda ndiro shoko rokutsvaga.
Kune marudzi maviri emari yepasi rose. Izvo zvinowedzera mune dzimwe nyika dzakabudirira uye izvo zvinowedzera mune misika yakabuda . Misika inosvika kune dzimwe nyika kana zvikamu zvine zvishoma zvoupfumi asi huzhinji hwakawanda hwekuwedzera. Asi nokuti vazhinji venyika idzi kana mazimusi avo haatongorongedzereki, zvinogona kuve nenjodzi inobatanidzwa mukutsvaga imomo. Nengozi huru, kazhinji inouya kukura kwekudzoka. Uye misika inotanga kudzoka inodzoka mumakore makumi maviri nemashanu kubva 1987 kusvika muna 2012 yaiva yevhareji 12.5% pagore.
Nenzira yakawanda mari yekuenzanisa kwenyika dzakawanda inowanikwa mune 401 (k) chirongwa chemazana makuru-cap equity funds inowedzera munyika dzakabudirira. Kufanana neJapan, Germany, United Kingdom. Kana chirongwa chichipa hurumende inotanga kuwanda, iyo inogona kunge iri mune imwe chikwereti. Vashandi vezvemari vanowanzokurudzira kuti vashandi vanozvisarudzira kuva nemashambadziro emakambani anotengesa vanofanira kuvhara kusvikidzirwa kusingasviki 5 kusvika ku10 muzana yehuwandu huwandu.
(Onai Zvakawanda Zvipi Munyika Yose Unofanira Kuve nazvo? )
Ngozi dzekutsvaga muInternational Equities
Kune marudzi akawanda ematambudziko ekubatana nekutsvaga mari kune dzimwe nyika.
Mari yengozi : kukosha kwedhora kuchasiyana nekukosha kweropa iri pasi penhenda. Izvi zvinogona kubatsira kukurudzira kudzoka kwako apo dhora risina simba, pasinei nemari yekuita mari. Asi apo dhora rakasimba, rinogona kuva nechinopesana naro.
Dambudziko rezvematongerwe enyika : Kuramba nekuchengetedzwa kwehurumende dzemunharaunda kunokosha kumisika. Chero nguva ipi zvayo iwe uri kuisa kune imwe nyika (kana iwe pachako) kune ngozi yokuti hupfumi kana hurumende inogona kutarisana nematambudziko asingatarisirwi.
Kuchengetedzwa kwehuwandu hunokonzera : Mari yekuAmerica inoshandiswa zvakanaka. Zvinoreva, guru guru rematanda rinotengwa uye rinotengeswa pamusoro paro zuva rimwe nerimwe.
Izvo zvinorevei kumushambadzi wevatengesi ndeye apo iwe unoda kutengesa chikwata, kazhinji kacho unotenga mutengi. Zvakadini kana pakanga pasina mutengi uye iwe usina kana sarudzo yekubata pairi kusvikira imwe yauya? Icho ndicho chikwereti chisingabatsiri. Misika yevatorwa kune dzimwe nyika inotengeserana mabhizimusi kupfuura maAmerica.
Kune zvimwe zvinhu zvekufunga nezvedzimwe nyika. Ndiyo maitiro ekuzvidavirira uye ekupa maitiro emitemo yakafanana yatinayo muUnited States here? Ndiyo mari yekubhadhara mumatanda aya makuru kudarika avo vanopomerwa kudyara mumatoro eSU? Mari inotarisirwa zvakanaka inotarisira uye inonzwisisa zviitiko izvi kune imwe nzvimbo. Kuisa mari kune dzimwe nyika kunonyanya kuitika mukati memumwe mutero.
Inonyanya kukosha kune varairidzi
- Kana iwe uchida nzvimbo yakasiyana-siyana yakasarudzwa, kuva nekutsvaga mune zvekune dzimwe nyika kunokosha.
- Kunyange zvazvo kune dzimwe njodzi, uye vamwe varimi vanotya izvo zvisingazivikanwi, mararamiro emarudzi akawanda anoita chikamu chikuru chekambani yepasi inogona kukura kwekutsvaga.
- Nyanzvi dzinowanzokurudzira kuti hapana chikamu chinopfuura 20% kusvika ku 35% cheporofiti inopiwa kune dzimwe nyika, kana zvishoma zvichienderana nekutarisana kwako kwengozi uye kuisa pfungwa pakukura.
- Vashandi vanochengeteka vachachengetedza misika yakagadzirwa pamisika inotanga kubuda.
- Tarisa shoko rokuti "nyika dzakasiyana-siyana" kusiyana ne "pasi" pakusarudza kune imwe nyika yekushambadzira mari.
Zvinonzwisisika: Zviri pamusoro pepaiti ino zvakapiwa ruzivo uye zvinokurukurwa chete, uye hazvifanirwe kushandiswa sezvinoitwa mazano ekutsvaga mari. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.