Nheyo dzeMutual Funds

Zvavari uye Zvavanoita Kuti Uwane Mari

Mari yekubatana ndiyo inenge iri nyore uye isinganyanyi kunetseka nzira yekuisa mari mumusika. Ichokwadi, mari yakawanda yakave yakatorwa mumari mumakore mashomanana akapfuura kupfuura chero nguva ipi zvayo munhoroondo. Usati wapinda muhova uye uchitanga kukanda mari yako pamwe chete nemari, iwe unofanirwa kuziva zvavari uye kuti vanoita sei. Sechikamu cheMutungamiri weKekutanga weKutsvaga wekutsvaga mu Mutual Funds special, nyaya ino inogona kukupa nheyo yaunoda kutanga kutanga mutual fund inowanikwa.

Chii chinonzi mutual fund?

Taura zviri nyore; mari yekutengeserana iri dziva remari inopiwa navarimi vega, makambani, uye mamwe masangano. Imwe nyanzvi yemari inobhadharwa kuisa mari iyo vatengi vakapa, uye chinangwa chemufambisi wemari chinoenderana nemhando yemari; iyo yakagadziriswa-mari yekuwana mari, somuenzaniso, inogona kuedza kupa zvibereko zvakanyanya pane pangozi yakaderera. Mukana wenguva yakareba wekukura, kune rumwe rutivi, anofanira kuedza kurova Dow Jones Industrial Average kana S & P 500 mugore rebasa (mari shoma shoma chaizvo inozadzisa izvi; kuziva kuti nei, verenga Index Funds - Dumb Money Pedyo Nguva dzose Anobata ).

Yakavharwa vs. Open-Ended Funds, Load vs. No-Load

Mari inowirirana inoparadzaniswa pamiganhu mina: kumapfigiro ekuvhara uye mari yakasununguka; iyo yekupedzisira inoparadzaniswa mumutoro uye hapana mutoro.

• Mari Yakavharwa-Kupera
  Rudzi urwu rwemari rine nhamba yakagadzirirwa yezvikamu zvakatumirwa kuvanhu kuburikidza nekutanga kwehupfumi hwevanhu. Izvi zvinoshandiswa kutengeserana pamusika wakashama; izvi, zvinosanganiswa nechokwadi chokuti chikamu chemapfiguru chakavhara hachidzikinuri kana kupa mitsva mitsva seyakarembedzana mutual fund, inotungamira iyo mari inowanirwa kumitemo yekugovera uye kuda. Somugumisiro, zvikamu zvekuvhara kwemari yekuvhara zvinowanzotengeserana pane zvisingabatsiri kusvika pamutengo wemari.

• Open-End Funds
  Ruzhinji rwemari pamwe chete rwunoguma. Muchirevo chepfungwa, izvi zvinoreva kuti mari yacho haina huwandu hwezvikamu. Pane kudaro, mari yacho ichabudisa zvikamu zvitsva kumudzimai anotengesa zvichienderana nemari yakasikwa yenheyo yekutengeswa uye achidzikinura zvikamu apo muzvinamisi anosarudza kutengesa. Mari yekuzarura nguva dzose inoratidza kukosha kwemari inotengeswa yezvikwama zvekutsvaga kwezvikwama nekuda kwekokugoverwa kunoshandiswa uye kuparadzwa sezvinodiwa.
  • Morosi vs. No Load
    Mutoro, mutual fund inotaura, inotengeswa komiti. Kana chikwereti chibhadhara mutoro, mubhadhari achabhadhara mutengo wekutengeserana pamusoro pekodzero yekutengeswa kwemari yemari. Hapana-mari yemutoro inowanzoita kuti zvikwereti zvakakwirira kune varairidzi nekuda kwemari shoma inosanganiswa nehuwandu.

Ndezvipi zvinobatsira zvekutsvaga mune imwe mari?

Mari inowanikwa pamwe chete inotungamirirwa nemumwe mudzidzisi wemari mumiriri uyo anogara achicherechedza matanda uye zvisungo muhopetiyo yemari. Nokuti iyi ndiyo basa rake guru, vanogona kupa nguva yakawanda nguva yakawanda yekusarudza zvikwereti kupfuura mumwe wevatengesi. Inopa rugare rwepfungwa runouya nekutsinhanisa ruzivo pasina kushungurudzika kwekuongorora zvinyorwa zvemari kana kuverenga kuwanda kwemari.

Ndinosarudza sei mari yakandikodzera?

Mari yega yega ine sarudzo inonyanya kuisa, chimiro kana chinangwa; vamwe, semuenzaniso, chengetai chete mumakambani e-blue-chip . Vamwe vanoita mari mumabhizimisi anotanga-kutanga kana mamwe mapoka. Kutsvaga mari yekutengeserana inoenderana nemitemo yako yekutsvaga mari uye chimiro chakakosha zvikuru; kana iwe usingazivi chinhu pamusoro pe biotechnology, iwe hauna bhizinesi kuisa mari mune imwe bhazich bank fund. Iwe unofanirwa kuziva uye kunzwisisa zvauri kuita .

Mushure mekunge makagara pane imwe yemari, shandisa Morningstar kana Standard uye Varombo (S & P). Zvose izvi makambani anotora chikwereti chekugadzirisa kubva pane zvakaitika kare. Iwe unofanirwa kutora zvikwereti izvi nehuyo yemunyu. Kubudirira kwekare hakuratidzi remangwana, kunyanya kana muchengeti wechikwama achangobva kuchinja.

Ndinotanga sei kuisa mari muchikwama?

Kana iwe uine kambani yekubhadhara, iwe unogona kutenga mutual fund mitsva sezvaunenge uchigovera chikamu chesaiti. Kana iwe usingaiti, unogona kushanyira peji yebhusi yepaji kana kuvashevedza uye kukumbira ruzivo uye shanduro. Mari zhinji inoshandiswa zvishoma nezvishoma kushandiswa kwezvikwereti zvinogona kuchinja kubva pa $ 25 - $ 100,000 + uye yakawanda mu $ 1 000- $ 5,000 mararamiro (iyo zvishoma zvishoma inotengeswa inogona kunge yakaderedzwa kana kuregererwa zvachose kana iyo inotora chikwereti ndeyekambani yekurega mari yakadai se 401k, kana Roth IRA, uye / kana kuti mutengesi anobvumirana kubvisa zvinyorwa zvisingabvumirwi, zvekare kubva kune chekuongorora kana kuti kuchengeta kambani yekuisa mari muhomwe.

Kukosha kweDorlar-Mari Inoshandiswa

Dhora-mari inoshandiswa pakugadzirisa nzira inoshanda chete sezvinobvira kune mari imwechete sezvinongoita kune imwe shamba. Kugadzira hurongwa hwakadaro kunogona kuderedza zvakanyanya mararamiro ako emakore akawanda uye huchaita kuti mari yakakwirira inokosha pane imwe makore gumi kana kupfuura.

More Information

Kuti uwane mamwe ruzivo, ona mutengo wekugadzirisa chikwereti kana kutarisa Mutangi weConer.