Nzira Yokuwana Nayo Yakanyanya Kushanda-Inoshandiswa Mari
Mapurisa emapatokota emari yemari yakabatanidzwa inobata -bata inowanzove nechinangwa chimwechete chekuperesa chinangwa chechinangwa.
Vashandi vanotenga mari iyi vachagovera chinangwa chimwechete chekuwana pamusoro-kuwedzerwa kwekudzoka.
Asi iyo inowanzozivikanwa kuti mari yakawanda-yakachengetedzwa mari haigoni kurova mararamiro ekuenzanisa kwenguva refu, zvakadai semakore gumi kana kupfuura. Izvi zvinonyanya kukonzerwa nekuti kunyanya kushandiswa kwekutsvaga kunoda nguva yakawanda, mari yemari, uye misika yemisika . Somugumisiro, mari inowanzosvitsa kudzoka shure kwechinguva uye dambudziko rinowedzera rinowedzera mikana yekurasikirwa nechinangwa chekutsvaga. Asi pane nguva yakanakisisa yekuisa mari mumari yakagadzirirwa inoshanda here? Vanokwanisa here kuva vakachenjera pane zviduku zviduku zviduku kana zvinoshandiswa pamwe chete nemari yekuenzanisa?
Apo Chekuita-Kutarirwa Mariki Inogona Kuda Index Index
Kunyange zvazvo nhepfenyuro yemari inogona kukwidza mari inogadziriswa yakagadziriswa kwenguva yakareba, kune dzimwe nzvimbo dzemisika apo mari inogadziriswa inobatsira inobatsira zvikuru pamusoro pevamwe vavo vanochengetwa passively:
- Kutakura Masoko: Apo vashandi vari mukutya mamiriro uye zvinotengeswa zvinenge zvese zvese munzvimbo yose zviri kuwira zvinoshamisa, zvakasiyana-siyana zvakasiyana-siyana zvemari, zvakadai sekuisa mari muS & P 500 index, inowanzoenda pamusoro penzvimbo pamwe chete nemusika. Asi maneja ane unyanzvi ane mari inoshingaira yekuita mari anogona kutarisira kukanganisa kukuru kwemashamba kana kugadzirisa kugadzirisa kuipa kwekutengeswa kwebere. Semuenzaniso, muna 2008, mune imwe yemabhizimisi akawanda ekutakura munhoroondo, kunyange yakanakisisa S & P 500 Index Index yakawira 37%. Zvisinei, mari yakakosha yakakosha mari yakadai seVanguard Equity-Income (VEIPX) , yakawa 31%. Icho chichiri chakaipa asi kwete pedyo nechakaipa sehurukuro.
- Masoko ekutanga eBull: Pakarepo mushure mokutengeserana kukuru kwebhebhu, kana mashizha ari mukutora zvakakwana mafashoni, mari inogadzirirwa zvakasimba iyo inowedzera mukukura kwematokari inogona kupora kunyange nekukurumidza, zvinoreva kureva kukuru kune zvikwereti zvikuru zvemisika. Semuenzaniso, muna 2009, apo mashizha ainge atanga kudzokera shure kubva kumabheji emakemikari ebere, chikwama chikuru chekutsvaga , Fidelity Growth Company (FDGRX) yakakwira 41%, asi S & P 500 yakakwira 26%.
Nezvose zvakati, zvakaoma kuziva nguva yakakodzera yekutenga mari yakachengetedzwa zvakashandiswa. Uye sezvo kusarudzwa kwemasarudzo nguva isingakuvadza kunotora zvinyorwa zvepamusoro, vashandi vakawanda vanochenjera kutora zvakawanda zvekusava nehanya nekuisa mari yavo.
Kusawirirana kwakanaka kunogona kunge kubatanidza zvinhu zvekutsvaga kwekutsvaga kwekutsvaga nekushanda kwekushanda nesimba nechokuita uye chetaneti chikwata chemahofisi . Sezvinorehwa nezita racho, nzvimbo yacho inowanikwa ne "core," yakafanana nehombe-stock index index mutual fund, iyo inomiririra chikamu chikuru chepodfolio, nemamwe marudzi emari-mari "sataneti" -mwe neimwe ine zviduku zvikamu zveiyo portfolio kuti zvive zvose. Ma satellite anogona kusanganisira mari yakachengetedzwa yakabatanidzwa kubva kumapoka akasiyana-siyana.
Chinonyanya kukosha ndechekuti vashandi vanofanirwa kuchenjerera nguva yepamusika uye kuvaka chikwata chemahofisi pamwe nekubatanidzwa kwekushaya mari uye kushandiswa kwemari kunogona kuva pfungwa yakachenjera.
Zvinonzwisisika: Mashoko ari pawebsite ino anopa mazano ekukurukurirana chete, uye haafaniri kushandiswa zvisina kunaka sekutsvaga mazano. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.