01 Nei Unofanirwa Kutenga Hapana-Mutoro Mutual Funds
Nezvizhinji zvakakanganiswa, chii chinofanira kufarira muzvikwereti mune imwe mari? Ichi chinyorwa chegumi-chinotungamirira gwaro, icho chikamu cheMutevedzeri Wese Wekutanga wekutsvaga mu Mutual Funds inogona kuita kuti hurongwa huve nyore nyore uye hukupa rugare rwepfungwa sezvo iwe uchipeta nezviuru zvezviwanikwa zvinowanikwa. Sezvaunogara uchiita, tora kapu yekofi, gara pasi, uye pasina nguva iwe unogona kunzwa sewa mutual fund pro!
Imwe mari inobhadhara mari inokwidza izvo zvinozivikanwa sekutengesa mutoro. Iyi ndiyo mari, inowanzotarisana ne5% yezvinhu, iyo inobhadharwa kune munhu anokutengesa iwe mari. Iyo inogona kuva nzira yakanaka yekuita mari kana iwe uri mutungamiri wepfuma, asi kana uri kuisa pamwe pikodhopu , iwe haufaniri kutenga chete mutoro wemari pamwe chete. Sei? Zviri nyore mathemati!
Fungidzira iwe wakagara nhaka ye $ 100,000 yemari yemari uye unoda kuiisa. Iwe une makore makumi maviri nemashanu. Kana iwe uchinge uine mari yekutengeserana mari, mari yako ichapinda muhomwe uye mari imwe neimwe-iyo yakazara $ 100,000-ichakurumidza kukushandira. Kana zvakadaro, iwe unotenga chikwereti chemari, uchiti, ye575% mutoro wekutengesa, chikero chako chekambani chichatanga pa $ 94,250. Uchitora 11% kudzoka, nenguva iyo iwe paunosvika pakubhadhara, unopedzisira uine $ 373,755 mari shoma sechikonzero chemari yakarasikirwa nemutoro wekutengesa. Saka, dzokorora shure kwedu: Nguva dzose urege kutenga-mutoro mutual funds. Nguva dzose urege kutenga-mutoro mutual funds. (Ramba Uchichengetedza!)
02 Chenjerera Kubhadhara Kwakawanda-Kunogona Kugadzira Kana Kukuputsa!
Zvinotora mari kuti ishandise mutual fund. Zvinhu zvakadai semakopi, mahofisi ekuchengetwa kwemahofisi uye muongororori wemari, kofi, mahofisi emahofisi, uye magetsi dzinofanira kutarisirwa mari yako isati yawana iwe! Izvo zvikamu zvezvinhu zvinotarisa kune zvinhu izvi-mazano ekugadzirisa mazano uye zvekushandisa zvekushandisa-inozivikanwa sehuwandu hwemari. Muchidimbu, ndiyo mari yekutora chikwereti. Funga nezvazvo sehomwe yekuti mutual fund inofanira kuwana mari kuti iparadze kunyange isati yava kutanga kutanga kukura mari yako.
Zvimwe zvose zvakaenzana, iwe unoda kuva nemari ine chikamu chepamutengo chinogona kuderera. Kana mari mbiri dziine mari yakaenzana ye 0.50% uye 1.5%, zvichienderana, iyo yekupedzisira ine dambudziko rakaoma kukurova mari isati yatanga kupinda muhomwe yako. Nokufamba kwenguva, iwe ungashamisika kuona kuti zvakakura zvakasiyana sei zvikamu zvinoratidzika zvakaoma zvinogona kukonzera pfuma yako.
03 Dzivisa Mutual Funds NeHurumende Dzokuchinja
Zvakakosha kuisa pfungwa pahuwandu hwekubhadhara-kureva, chiyero chepfetifolio iyo inotengwa uye inotengeswa gore rega-kune chero mari yekubhadhara iwe uri kuifunga. Chikonzero chacho ndechokuti kane makore ane makore ekuvapo kwedu: Mitero.
Kana iwe uri kutengesa chete kuburikidza nenhoroondo isina mvumo yakadai se 401k , Roth IRA, kana Mutambo IRA, izvi hazvisi kuongororwa, uye hazvina basa kana iwe uchitarisira zvikwereti zvekusina purofiti. Kune mumwe munhu wose, zvisinei, mitero inogona kutora kukura kukuru kubva muchirevo chemavara, kunyanya kana iwe uine ruzivo rwakakwana kuti uwane mhando dzepamusoro dzemakero ekuwana. Iwe unofanirwa kuve wakangwarira nezvemari inowanzobereka chikwama 50% kana kupfuura zvepodfolio yavo.
04 Tsvaga Chiitiko Chekuziva, Chirongwa Chekuita
Muzuva rino rekuwana nyore kuwana ruzivo, hazvifaniri kunge zvakaoma kuwana ruzivo pamusoro pemutungamiri wako wepodfolio. Kana iwe ukazviwana uchibatisisa mari yekutengeserana nemutungamiri ane zvishoma kana zvisingatomborevi rekodhi kana, zvakatoipisisa, nhoroondo yekurasikirwa kukuru apo misika yepamusoro yakazara yakaita zvakanaka iwe unofanira kufungidzira kushanda nekukurumidza sezvaunokwanisa mune imwe nhungamiro.
Mamiriro ezvinhu akanaka ndechimwe chakasimba chinowanikwa pane imwechete kana kupfuura yakawanda yekutsvaga mabhizimisi / vashandi vemapatotikiti avo vakavaka boka revanhu vane tarenda uye vane tsika dzakapoteredza avo vari kufamba zvishoma nezvishoma mumabasa ezuva nezuva, vachiita kuti kuchinja kwakanaka. Ndiyo nzira iyo makambani akadai saTweedy, Browne & Company muNew York vakakwanisa kutora makore gumi mushure memakore gumi ekudzoka kwemakethe-kutengesa asi pasina kuva nekunze kwemukati.
Pakupedzisira, iwe unoda kusimbisa kuti vatungamiri vane chikamu chakakura chemari yavo inobhadhara mari pamwe chete nevaridzi vemari. Zviri nyore kubhadhara muromo kune varairi vemari asi chinhu chakasiyana zvachose kuva nemugove wako pangozi pamwe chete navo.
05 Tsvaga Unyanzvi Hwakaenderana Newe Wako Pakusarudza Mutual Fund
Kufanana nezvinhu zvose muhupenyu, kune maitiro akasiyana efilosofi ekugadzirisa mari. Somunhu, ini ndiri mubhadharo wekukosha. Nokufamba kwenguva, ndinotarisira mabhizimisi ayo ndinotenda kutengesa pane zvakanyanya kuderedza. Izvi zvinoita kuti ndigone mabhizinesi mashomanana gore roga rega uye, nokufamba kwenguva, zvakatungamirira kumigumisiro yakaisvonaka kwazvo.
Mune zvemabhizimisi, mune mari pamwe chete inoshandiswa muhuwandu hwemari yekuisa mari - Tweedy, Browne & Company, Third Avenue Value Funds, Fairholme Funds, Oakmark Funds, Muhlenkamp Funds, nezvimwewo.
Vamwe vanhu vanotenda mune izvo zvinozivikanwa se "kukura" kuisa mari zvinoreva kungotenga makambani akakurumidza, anokurumidza kukura zvisinei pasina mutengo. Vamwewo vanotenda muine makambani chete ebhuruu-chip ane hutano hwakanaka huripo . Zvakakosha kuti iwe uwane mari yekutengeserana kana mhuri yemari inobatanidza mari iyo inowirirana nehutano hwekutsvaga hunoita.
06 Tsvaga Diversification Yakawanda yeAsset
Warren Buffett, anozivikanwa nekuisa pfungwa dzake mumikana mashomanana makuru, ataura kuti kune avo vasingazivi nezvemisika, kuparadzaniswa kwakanyanya kunonzwisisika. Zvinonyanya kukosha kuti kana iwe usiri kukwanisa kuita kutonga kunoshevedza kukosha kwekambani, iwe unoparadzira zvinhu zvako kunze kwemakambani akasiyana, makambani, nemabhizimisi. Kungoshandisa zvikamu zvina zvakasiyana-siyana zvekugadzirisa mari inonyanya kuzivikanwa mumari yemari, somuenzaniso, haisi kusiyanisa. Zvaiva chimwe chinhu chokurova iyo mari pamwero wekugadzikana kwekugara kwemakore ekutanga kwema1990, chikoro chako chaizotorwa zvakaoma.
Chii chinoonekwa sekanakasiyana-siyana? Heano mamwe mazano akaipa:
- Usava nemari inoita kuti nhepfenyuro inorema kana kuti indasitiri inobhadhara. Kana ukasarudza pasinei nenyevero iyi, iva nechokwadi chokuti hauna chikamu chikuru chemari yako inowanikwa mazviri.
- Usachengetedza mari yako yose mukati memhuri imwechete yemari. Nokuparadzira zvinhu zvako kunze kwekambani dzakasiyana, unogona kuderedza dambudziko rekudengenyeka kwemukati, maitiro ekuputsa, uye mamwe matambudziko emunharaunda.
- Usangofungidzira matanda. Iko kunewo mari yemuzinda, mari yepasi rose, yakagadziriswa mari yekuwana mari, arbitrage mari, mari inoshandiswa, uye zvakawanda, zvakawanda. Kunyange zvazvo zvichida kuchenjera kuva nenheyo yepodfolio yako muimba yevashandi pane nguva refu, pane zvimwe zviitiko zvinogona kupa mhinduro yakanaka.
07 The Case for Index Funds
Kune wekudyara mutengo ane makore ane gumi kana nguva yakareba kuti atsire uye anoda kugara achiisa mari pfupi kuti iwedzere nguva yakawanda, mari yekuenzanisira inogona kuva sarudzo yakanaka. Vanobatanidza zvisinganzwisisiki kutsika kwehuwandu hwemari nemadhora-pasi ekubhadhara mari uye kupararira kwekusiyana-siyana; mune mamwe mazwi, iwe unogona chaizvo kuva nekako rako nekudya, zvakare.
Kufarira? Tarisa Vanguard uye Kuvimbika sezvavari vatungamiri vasingafungidziki mune mari shoma ine index. Kazhinji, tsvaga S & P 500 fund kana zvimwe zvikamu zvakadai seWilshire 5000 kana Dow Jones Industrial Average.
08 Shoko kuneZvenyika Zvose
Paunoisa mari kunze kweU.S., mari inowedzera. Asi munguva yakapfuura, mashizha emamwe nyika akange ari kuratidza kuwirirana kwepasi neavo vari muUnited States. Paunogadzira zvigwaro zvekugadzira upfumi kwenguva, dzidziso ndeyokuti zvikamu izvi hazvikwanise kuomeswa zvakaoma apo maAmerican equity ari kushungurudza (uye visa versa.)
Kutanga, kana iwe uchizoenda kune misika yepamakambani yekutengesa nekutora chikwereti, iwe unofanira kunge uri wega chete iyo inowedzera mumisika yakagadzirwa seJapan, Great Britain, Germany, Brazil, nedzimwe nyika dzakagadzikana. Izvo zvinoshandiswa zviri kutengesa misika inowedzera njodzi yezvematongerwo enyika nehupfumi, kunyange zvazvo inopa kudzoka kwakakwirira.
09 Ziva Nhamba Yakakodzera Yezvikamu Zvako Zvemari
; Mari imwe neimwe ine nzira yakasiyana uye chinangwa. Ndosaka zvakakosha kuti uzive zvaunofanira kuzvifananidza nazvo kuti uzive kana maneja wako wepodfolio ari kuita basa rakanaka. Semuenzaniso, kana iwe une purogiramu yakaenzana inochengetedza 50% yezvinhu zvayo mumatanda uye 50% muzvisungo, unofanirwa kufara nekudzoka kwe 10% kunyange kana misika yakakura yakaita 14%. Sei? Chigadziriswa nekuda kwengozi yawakatora nehurukuro yako, kudzoka kwako kwaiva stellar!
Zvimwe zviratidzo zvinozivikanwa zvinosanganisira Dow Jones Industrial Average , S & P 500 , Russell 2000, Nasdaq Composite, uye S & P 400 Midcap. Zviri nyore mazuva ano kutsvaga paIndaneti kuona kuti zvikwereti zvipi zvinosungirirwa. Iwe unokwanisa kutsvakurudza mitsara pamari yakasiyana-siyana uye uone kuti vanoiongorora sei, kuona nhoroondo yezvakaitika kare, uye kunyange kutora pfungwa dzevanokurudzira pamusoro pehutano uye tarenda yeboka rekuchengetedza mapepa.
10 Nguva dzose Dollar Inodhura Avhareji
Iwe unoziva, iwe unofunga kuti tinenge taneta nokuzvitaura asi dhora rinodhura kuwanda zvechokwadi ndiyo imwe nzira yakanakisisa yekuderedza dambudziko rako kwenguva yakareba uye kubatsira kuderedza mari yako yose yezvikwereti zvako. Zvechokwadi, iwe unogona kuwana ruzivo rune dhora rinodhura kuwedzerwa-kuti chii, iwe unogona sei kushandisa purogiramu yako pachayo, uye kuti ingakubatsira sei kuderedza dambudziko rako rekutsvaga kwekutsvaga kwenguva yakareba-muhurukuro Dollar Cost Averaging: A Technique iyo Kunokanganisa Kunokonzera Ngozi yeMusika . Tora kanguva wozviongorora. Nzvimbo yako yepamusoro inogona kushandiswa zviri nani nokuti iwe wakapa mari maminetsi mashomanana ezuva rako.
Mhedziso ...
Kune tine yezvimwe zviwanikwa kunze uko pamusoro pokusarudza nekusarudza chikwereti chekutengeserana kusanganisira Mutual Fund site iyo inopinda mune zvakadzama zvakanyanya pane zvose zvenyaya idzi nezvimwe. Mambakwedza isuwo rakanaka chaizvo. Ingoyeuka kuti chinhu chinokosha ndechokuti urambe uchirayirirwa, unyanzvi, uye usarega kutungamirirwa nekufamba kwenguva kwemazana emusika. Chinangwa chako ndechekuvaka upfumi pane kwenguva refu. Iwe haugone kuita izvozvi zvichifamba uye zvichibva kune mari, zvichiita kuti zvikanganise mari uye kuunza zviitiko zvemitero.
Rombo rakanaka!