Nzira Nhatu Vashambadziri Vatsva Vanogona Kutenga Zvikamu zve Mutual Fund
Muchikamu chino, tinoda kuisa pfungwa pazviri chaizvo. Kunyanya, iwe waizoenda sei kutenga chikamu chekubatana mari apo iwe waita chisarudzo chaunoda kuva nehomwe mari.
Nokuita kudaro, tinotarisira kukupa kunzwisisa kwakakwana kwema mechanics inobatanidzwa.
Iwe Unogona Kutenga Zvikamu zve Mutual Fund kuburikidza neMutengi Wako
Kana iwe uine kambani yekubhadhara , Roth IRA , Traditional IRA , kana imwe nhoroondo muchitoro chematoro akadai saCharles Schwab kana Merrill Lynch, unogona kutenga mari yakawanda pamwe chete sezvaunogona kugovera chikamu chemari . Iwe unongoenda kune webhusaiti yemubhengi, enda kune hofisi yebazi iri pedyo, kana kuti kudana mutengesi wako patefoni uye uvaudze chiratidzo chetikiti chekubatana mari yaunoda kuitenga uye mari yose yaunoda kuisa. (Chiratidzo chekatsva ndicho chidimbu chitsva chinogoverwa nemari yekutengesa kuratidzira kubhadhara.Kana iwe uri kutenga chikamu cheCoca-Cola, somuenzaniso, chiratidzo chetikiti ndiKO. Mutual funds, sematokari, vane mazita avo akaiswa mavara. )
Vazhinji vatengesi vachakubhadhara komisheni kana zvimwe zvikwereti zvekutenga zvikamu zve mutual fund.
Kakawanda, kana mutual fund yakagadzirirwa semari yekutsinhanisa-yekutengeserana kana ye ETF, ivo vachishandisa basa rimwechete ravanowanzoita pamatokari. Mune zvimwe zviitiko, ivo vachaongorora mari yepamusoro, kazhinji $ 49.95 kana chimwe chinhu chakafanana, chaungagona kubviswa kubva mukutsvaga kukuru kwaunenge uchida kuita kana kuti kuwedzerwa kuitira kuti huwandu hutsva hwekutsvaga huwanikwe.
Mune mamiriro ekubhadhara mutengo wemari, mapatimendi anogona kumhanya zvakasvika 5.75 kubva pagore nemamwe mari. Zvisinei, mumamiriro ezvinhu ekutengeserana mari, zvinogona kuitika kuti mutoro unoderedzwa nehuwandu hwemari yehurumende yemari yekuti mutengi ave nani pane kwenguva yakareba yenguva, izvo zvinokosha kana uri kutora nzira yekutenga-uye-kubata, asi isu tinopfuurira ipapo inenge isati yambova nechikonzero chekubhadhara chikwereti chekutengeserana mutoro munyika yanhasi apo iwe unogona kuwana mukuru kana akaenzaniswa nemuchina usina mari yakawedzerwa.
Zvakakosha kuziva kuti, pane dzimwe nguva, mutengesi wako angave ane mhuri yemari yepfuma, kana ruzivo rwemari inobatanidza nenzira imwe neimwe, iyo inoita kuti vave nechikurudziro chokuti iwe uise mari mavari. Kuti inotapira chibvumirano chacho, vazhinji vatengesi vachapa mari iyi pasina nhume. Mune zvimwe zviitiko, kutsamwa kwakatsva kwakave kuri kupawo izvo zvinoratidzika sehuwandu hwemadhora-pasi asi hunoda kuti mari iri pasi payo ive nehuwandu hwemari - ichiti, 5 muzana kana-kuti iyo mutevedzeri wemari inowana zvakanaka kuti ishandise sechinhu chekufamba-famba, chikwereti chekufarira chiri chekutanga chekubhadhara.
Kunyange zvazvo izvi zvisingazivikanwi nevashambadziri panguva ino nekuda kwechikwata chechikwereti chemari, takanga tadzokera kune chikwata chekuda kufanana nemamiriro ezvakaitika, zvinogona kuva mhepo inofambisa makambani ekutungamirira apo varairi vakavimbisa kuti vachiri kubhadhara mari shoma uye mari; chiitiko chekunaka kwakanyanyisa kubhadhara kunobatsira zvishoma vanhu vakawanda vakagadziriswa kuisa pfungwa pazvinotsanangurwa zvakasiyana pane mari yekuwana mukana.
Iwe Unogona Kutenga Zvikamu zve Mutual Fund Zvakananga kubva kuMutual Fund Company
Kana iwe uchiziva kuti iwe unoda kuti mari yako iwane mari mune imwe sangano rekudzivirirana kana mune zvekugadzirisa mari iyo inoumba chikamu chikuru chekutengesa mhuri, iwe unogona kazhinji kuzarura kambani zvakananga ne mutual fund pachayo. Unozadza mapepa paIndaneti, uiendese necheki (kana, mazuva ano, tanga kuendesa mberi kwekutsvaga paIndaneti), uye udza kambani kana iwe uchida kuzarura gwaro rega rega, kana imwe nhoroondo yakadai sekusarura Roth IRA kana Traditional IRA .
Iwe unokwanisa kuchigadzirisa kuitira kuti mari yekutengeserana iite zvinowanzoita kuti iwe uwane mari yako nekugara uchibvisa mari kubva kuongororo yako kana kuti gwaro rekuchengeta mwedzi mumwe nomumwe! Iyi nzira, iyo inonzi dollar inodhura kuwanda , inogona kuva nzira inobatsira yekuisa mutengo wemari yaunobhadhara iwe mutual fund share uye, sezvo mafungiro anoenda kunyange pane imwe yedzidzo yezvidzidzo kune iyo, kubatsira kuderedza ngozi yaunoisa yako yose mari mumusika pachikwata chepamusoro, chakadai sezuva risati rasvika-dot-com kuputsika kana Wall Street kugumburwa kwakatanga Kubwinya Kukuru muna 2008.
Chinhu chikuru chekushandisa mutual fund chinowanikwa zvakananga kubva kune mutual fund kambani pachayo ndeyekuti iwe kazhinji haugoni kutengesa mutero wakatarwa wekutengeserana, zvichireva kuti mari yakawanda inopinda mumari yako uye iri kushanda iwe. Izvo zvakaderera zvekutenga mutual fund zvinowanikwa zvakananga kubva kune mutual fund kambani pachayo ndeyokuti zvinogona kuva zvakaoma kutumudza maitiro ako gare gare kana kuisa mutsauko kune zvimwe zvigumisiro zvekuchengetedza, kusanganisira kutenga zvigaro zvemamwe mari pamwe chete anopiwa nemamwe masangano emari.
Kutenga Zvikamu zve Mutual Fund kuburikidza ne 401 (k) kana Rimwe Rongwa Rekushandira Pabasa
Kana iwe ukashanda kune kambani ine vanopfuura vashomanana vashandi, maitiro akanaka iwe une 401 (k) chirongwa kana chimwe chinhu chakafanana. Munenge mamiriro ezvinhu ose, kambani ichakutendera iwe kuisa mari muzvikamu zvehutano mari kuburikidza neurongwa. Icho chinonyadzisa iwe unogona kunge uchiona mamiriyoni mashoma emubatanidzwa wemari pamwe chete, mamwe acho angave ari pasi-par. Kunyange zvakadaro, kuvapo kwemuchato mukana kunogona kuita kuti zvive zvakanaka pasi pemamiriro ezvinhu akanaka kunyange kana iwe usingakwanise kuwana mari yakaderedzwa index index iyo inotevera huru yekodhi yemakero yakafanana neDow Jones Industrial Average kana S & P 500 .