Vakawanda Vanokurudzira Vanoti Pakati Pakati pe15% uye 25%
Mune chikamu, mhinduro yacho inobva pane kuda kwako kwengozi uye urefu hwekutsvaga kwako kwekutsvaga. Kunyange zvazvo pasina "mhinduro" yevanhu vose, kune mitsara miviri inogona kubatsira kutungamirira sarudzo yako, iyo inokosha yekufunga.
Muchikamu chino, tichatarisa zvimwe zvinokosha paunenge uchitarisa kuti kutengeswa kwepasi rose kwakakosha sei podfolio yako.
Kuronga Up Pie
Imwe nzira yekutanga ndiyo kutarisa ukuru hwemahombekiti eAmerica maererano nemamwe nyika yose. Fungidzira chati yepadhi yemisika yose yekutengeswa munyika, necheka rimwe nerimwe rinomiririra mushambadzi weimwe nyika. Iko yakakura pamusika mumwe nomumwe, yakakura chikamu chayo chechi.
Nhoroondo dzeUnited States dzinenge imwe-yechishanu yenyika yose yekutengeswa kwemari. Saka kana iwe uchida kuparadzanisa chikwereti chako nenzira imwecheteyo seyedu yekufungidzira, iwe unongotora chikamu chemari yako muAmerica mashizha, uye imwe hafu mumisika yekunze.
Mukuita, zvisinei, 80% inopiwa kune dzimwe nyika mashomanana inogona kunge ine hasha kune varairi vese, kunyanya avo vari vatsva kumari yekutsvaga kwenyika dzakawanda. Izvi ndezvokuti misika yemarudzi ose inowanzoratidza kuratidzira kudarika kuUnited States, iyo inogona kuita kuti vaparadze mune dzimwe nzira.
Asi usanyara. Kana iwe chete uchinge waita mari shoma - uchiti 5% kana 10% - kunze kwemhiri, haugone kushandisa zvakakwana zvikomborero zvakawanda zvinowanikwa mumisika yepasi rose, kusanganisira kukwanisa kusiyanisa kune chero upi zvake wekumba kwekumba.
The 20% Solution
Sezvo nezvinhu zvakawanda, chokwadi chiri pakati nepakati.
Vazhinji varoyi vezvemari vanokurudzira kuisa mararamiro e15% kusvika ku25% emari yako mune dzimwe nyika. Ndinofunga kuti 20% ndiyo nzvimbo yakanaka yekutanga. Zvinoreva zvakakwana kuti uite mutsauko kune chikwereti chako, asi kwete zvakanyanya kuti akukuvadze kana misika dzekunze dzisingachafariri. Kunze kwaizvozvo, iwe unogona kugara uchinge uchinge uchinge wanyanya kufanana nemisika yepasi rose.
Kunyange zvazvo zvakananga kugoverwa kune dzimwe nyika zvingave zvakasiyana nemumwe mutengesi kune mumwe, chinhu chakaipisisa chinogona kuitwa nomunhu chinoputika pakati pekuve nezvakawandisa uye hazvina kukwana. Saka kana wagara pane imwe nhamba inofanirwa kunyaradza kwako, tora nayo. Usaita chikanganiso chekuedza kupedzisa misika kuburikidza nekukwira mukati nokunze kune dzimwe nyika.
Chimwe chinhu chekupedzisira: zvakakosha kuve nechokwadi chekuti kudyara kwako kwepasi pose kwakapararira kunharaunda dzakasiyana siyana nenyika. Kuisa 25% yemari yako mukutaura, China , uye vamwe vari muDow Jones , haisi izvo zvakasiyana-siyana zvekudyidzana kwenyika zvese. Iva nechokwadi chokuti iwe unofananidzwa zvakakwana pakati peEurope, Asia uye misika yakabuda .
Nzira dzekutsvaga
Kune nzira dzakawanda dzakasiyana dzekuparadzira mari yako yepasi rose munyika dzakawanda. Kakawanda nguva, kushandiswa-kutengeserana mari (ETFs) uye pasi rose mari ndeye nzira dziri nyore, sezvo dzisingasanganisi kutenga mabhizimusi ega kana kushandiswa kwekodhinari dzekwereti.
Vanguard FTSE Yese-World Ex-US ETF (NYSE: VEU) ndeimwe yezvinhu zvakakurumbira uye zvakaderera zvakasarudzwa nezvibvumirano pasi rose. Pakusarudza mari yakafanana neyiyi, vatengesi vanofanira kuve nechokwadi kuti havasi kutenga zvakawanda kutengesa kumisika yeUnited States, sezvo ivo vatotanga kuwedzera kuisa pachena mune mamwe mabasa avo. Gara kune "mari yekare" yeU.S. kuti uite kudaro.
Vashandi vanofanira kuchengetedza maonero ekubhadhara mari pavanosarudza mari iyi, sezvo iyi inoshandiswa ndiyo inonyanya kutaridzika pazvinouya pakuunza kudzoka. Zvakaita semari shoma inogona kuwedzera nokukurumidza kusvika makumi ezviuru zvemadhora kana kupfuura pamusoro pehupenyu hwose hwekutsvaga.
Key Takeaway Points
- Kutenga zvikwereti zvekunze inzira yakanaka yekusiyanisa chikwereti.
- Dzimwe nyika dze ETFs kana mutual funds ndiyo nzira iri nyore kuwana.
- Vazhinji vauri mazano vanokurudzira 15% kusvika ku25% kutaridzika kune misika.
- Nhamba chaiyo yekusununguka inobva kune mumwe munhu wemari.