Kuisa mu Mutual Funds Hazvikwanisi kuve nyore kana zvimwe zvisingabhadharwi
Nokupindura mibvunzo mitatu inotevera, ndeyo tarisiro yangu kuti uchawana kunzwisisa zviri nani zvekubatana kwemari, mararamiro avanoita, uye kuti vanogona kuwedzerwa sei mune rako rekutsvaga mari.
Mutual Fund chii?
Sezvakaitwa nekutsvaga kwekutsvaga, mutemo wekutanga webhizimisi ndewokuziva kuti chii chiri iwe uri kufunga kuwana. Kune zvose zvinangwa uye zvinangwa, mari inoshandiswa inoshandiswa seimwe nzira kune vashandi vasingakwanisi kutenga mari yakachengetwa pane imwe neimwe . Mari inobatanidza inoumbwa apo vashandi vane mari shoma yehombe yavo mari yavo pamwe chete uye vozoshandisa maneja wemapatotikoti kuti vashandise nzvimbo yakasimbiswa yemadzimai, kutenga zvigadzirwa zvakasiyana, zvisungo, kana zvimwe zvivimbiso nenzira inopindirana netariro yechikwata . Murimi wega wega anotora chikamu chavo chechipiri paanenge achitaurirana mari, iyo inoratidzira mune chimwe chinhu chinonzi mutual fund expense ratio . Mari inobatanidza inogona kuumbwa nenzira dzakasiyana-siyana; Mari inotarisana nemari yakavharidzirwa vs yakavharwa mutual funds ndiyo imwechete yakakosha zvikuru .
Kuti udzidze zvakawanda pamusoro penzira iyo mari yekutengeserana yakarongeka, verenga Sei Mutual Fund Yakagadzirwa . Unogonawo kuverenga Kuita Mari kubva kuMutual Funds , iyo inotsanangura kuti vatengesi vanowana sei (kana kurasikirwa kurasikirwa) kubva pakugovera danda mumutengo wekugadzirisa mari.
Ndingasarudza Sei Mutual Fund?
Apa ndipo paunoda kuisa pfungwa dzako pane izvi uye kuita zvishoma zvekutsvaga nekutsvakurudza.
Nhamba yemari yemari inowanika kune vatengesi ikozvino inopikisa nhamba yematokari kuNy America yekukurukurirana; chimwe nechimwe chakasiyana asi chinogona kugoverwa zvichienderana nemhando yezvivimbiso zvakachengetwa mukati mavo. Pamwero wakawandisa, mari inowira mune imwe yezvikamu zvitatu, kuenzanisa (mashizha), kusagadzikana mari (zvisungo), nemari yemari (yakafanana nemari). Equity nemari yakagadzirirwa mari ine zvikamu zviduku, izvo zvichabvumira mutengesi kuti aise mambure mashoma nemari yavo yekutsvaga. Semuenzaniso, mubhadharo wezvikwereti wezvikwata angasimudza mune imwe teknolojia yekushandisa mari inoshandiswa chete mumakambani e teknolojia. Saizvozvowo mutengesi wemari yebato iri iri kutsvaga mari yezvino inogona kuisa muhurumende yehupfumi yehupfumi inongobhadhara mari yehurumende. Izvo zvinonzi chiyero chekuchengetedza mari ndeyekubatanidza mari inoshandisa zvikwama zviviri uye zvisungo.
Njodzi inofanirwa kuongororwa paunongoronga mutero wemari. Sezvo uri murima, iwe unofanirwa kuita zvose zvaunogona kuti unzwisise ngozi yakawanda yaunoda kutora uye wozowana mari inowira mukati mekutambudzika kwako kwengozi. Nenzira, iwe uri kuisa kune chimwe chinangwa mupfungwa, saka udzikise pasi iwe urongwa hwevatsva kuburikidza nekufungisisa nezvemari inosangana nezvido zvako zvekutsvaga kwekutsvaga iwe uchigara mukati mematambudziko ako.
Mukuwedzera, chengetedza kuti uone kuti zvishoma zvishoma ndezvipi kuisa mari mune mari. Dzimwe mari dzichave dzakasiyana-siyana zvishoma zvichienderana nekuti iri rekushandira mari kana kuti kwete yekusarura.
Ndotenga Sei Mutual Fund?
Nzira yekutsvaga mutual fund shares inoputirwa-yakadzika sei Ndingatenga Sei Zvimwe zve Mutual Fund? asi muchidimbu chirevo ndeichi: Mutengo wemari inonyanya kutengwa muudhora yakaenzana nematokisi, anotengwa muzvikamu. Mari inowanikwa pamwe chete inogona kutengwa zvakananga kubva kune imwe mutengesi yekambani, bhangi, kana kuti bhizimisi rekwereti. Iwe usati waita mari iwe unoda kuva nekambani neimwe yezvikoro izvi usati waisa murairo. Imwe mari yekutengeserana inenge iri "mutoro" kana "hapana mutoro" chikwereti, iyo inyaya yezvemari yekubhadhara komisheni kana kubhadhara komisheni.
Kana uri kushandisa nyanzvi yekubvisa mari kuti ikubatsire, iwe unogona kubhadhara mutoro. Kunzwisisa kuti "hapana mutoro" mari haisi yekusununguka. Zvose mari yemari inoshandiswa mukati, izvo zvinoreva kuti chikamu chemari yako yekusimwa mari inobhadhara kambani yemari, iyo mutevedzeri wemari, nezvimwe zvikwereti zvinosangana nekushanda pamwe chete. Iyi mitero inowanzove yakajeka kumudzimai uye inotorwa kunze kwezvinhu zve mutual fund. Iwe unofanirwa kutarisa zvikwereti zvose uye zvikwereti kana iwe uchinge uine mari mumutengo wemari
Nzira yekutenga chikwereti chekugadzirisa mari inogona kuitwa pamusoro pefoni, paIndaneti, kana mumunhu kana uri kutarisana nemumiri wemari. Kuti uise urongwa, iwe unogona kuratidza mari yakawanda yaunoda kuisa uye chii chinobatana mari yaunoda kuitenga. Hazvina mhosva kuti mutual fund, mutengo wamunobhadhara pamiganhu ichagadziriswa nekutengesa mutengo wekugoverwa pakupera kwezuva iroro.
Nyaya iyi yakanyorwa naMarc Pearlman munaMuvhuro 2011. Yakazogadziriswa pakugadzirisa nekujekesa kwaJoshua Kennon. Iko Balance haisi kupa mutero, utsvaga, kana mari yemari uye mazano. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kubvumira kusangana nematambudziko kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru.