Ndakasarudza kutora mamwe emitemo yemugovera wekukurumidzira uye kuashandisa kuchengeta zvinhu zvandinoda kuita zvakawanda - kufanana nekufamba.
Heyi ndiyo nzira yandakavaka nayo mari yangu yekufambisa kunzvimbo iyo zvingaita kuti ini ndiende kwose kwose kwandinoda, kubva kune rimwe zuva remazuva matatu kuenda kune rimwe vhiki-refu rwizi cruise kuDanube.
Sei Ndichishandisa Account Account?
Chokutanga, ini ndinoshandisa iyo yekutsvaga mari yekufambisa mari yangu. Iyi nzira inogona kunge isiri yevose, asi inoshanda kwandiri. Imwe yekwereti inotengesa mari inokubvumira kukura mari yako nekukurumidza. Handisi kusununguka kushandisa rimwechete 90/10 stock / bond split Ndinoshandisa nguva yangu yekutsvaga mari, kunyange zvakadaro. Panzvimbo pandinoshandisa 65/35 chikwata / bhandi zvakaparadzaniswa kuti zvigadzikane zvishoma mubhuku. Nhaka yangu yekugovera inoshandiswa achishandisa ETFs dzinodhura.
Iwe unogona kusarudza iwe pachako mutengesi, sezvo vazhinji vavo vachikubvumira iwe kuvaka yako podfolio yako uchishandisa mutual funds uye ETFs . Ndinoda kushandisa mari yakaderera yakananga ETFs nokuti unowana kuwedzera kukuru kwemusika. Kugona kwako kutora zororo hakuzomboregi kana imwe kana maviri matangi tangi.
Ndinoda kushandisa robo-mazano kune account yangu, pane kusarudza yangu ETFs yangu. Pane imwe nguva ndasarudza pfuma yangu yekugoverwa , humwe huri nani huri humwe humwe, kusanganisira kuwirirana kwekuchengetedza hupenyu hwangu hwakasarudzwa.
Ita Asiri Yakagadzirirwa Nyaya Mwedzi Woga Woga
Sezvo iwe uchida nehomwe yezvokukurumidzira , sarudza mari yakawanda yaunokwanisa kuisa pamwedzi wega wega nekuda kwekufambisa mari yako.
Pakutanga, iwe unogona kungokwanisa kuisa parutivi ruduku shoma. Pandakatanga ini, ndakaisa $ 80 pamwedzi. Zvisinei, sezvo nguva yakafambira mberi uye ini ndakasunungura mari yakawanda mubhajethi, ndakawedzera zvandaisa. Iye zvino ndaisa $ 350 muhomwe yangu yekufambisa mwedzi mumwe nomumwe.
Itai kuti zvive nyore kuitira kuti musafanirwa kufunga nezvazvo. Ndinoshandisa purogiramu yekutsvaga mari yekutsvaga kuti ndive nechokwadi chokuti mari inofamba kwainofanira, pasinei nezvimwe zviri kuitika kuti zvinditadzisire. Ndinoda kutarisa chikwereti chekufambira chichikura - uye uite saizvozvo pachidimbu zvakakurumidza kupfuura zvaizoita mune imwe gwaro rekuchengeta mari.
Kubvisa Mari
Nemhaka yokuti iyo inotengesa mari yakabhadharwa, haufaniri kunetseka pamusoro pekutanga kubvisa chirango uye imwe tape tsvuku. Zvisinei, zvinogona kutora kusvika pavhiki (uye dzimwe nguva zvimwe) kuwana mari mubhangi. Ndinopoteredza izvi nekushandisa kadhi rechikwereti kuti ndibhadhere nekuda kwekufamba kwangu - uye kukohwa mibayiro. Ndinokwanisa kuisa mari yakakwana yemari kubva ku-akhawunti yangu uye kushandisa mari iyo kubhadhara kadhi rechikwereti mari isati yawanikwa.
Handisati ndapedza zvachose mari yangu yekufambisa rwendo. Pandakatanga ini, ndakaronga nguva shomanana, dzisina mari. Ndakashandisa mari iyi kuchengetedza makambi kana kubhadhara mahotera pamugwagwa wegore rekumuka nemwanakomana wangu.
Pakupedzisira, ndakavaka mari yekufambisa kuenda kunzvimbo iyo, kunze kwekufamba zviduku kune gore rose, ini nomwanakomana wangu tinogona kufamba rwendo rukuru gore rimwe nerimwe.
Mitero neKwendo Rwako Mari
Zvakakoshawo kuva akagadzirira mitezo yemitero yekushandisa bhadha rekutsvaga rekufambisa mari. Kana iwe uchitengesa kuti uwane mari, pakupera kwegore iwe uchabhadhara mutero wemari yakawanda. Mari yangu yekufambisa yakasimbiswa kwenguva yakareba zvokuti kana ini nditengesa, ndeye pfuma yakareba, yakabhadhara pamutengo wakaderera. Asi gadzirira kugadzirisa mutero, kunyange mumatambudziko mazhinji mitero haifaniri kuva yakakura.
Kana iwe uchitengesa pakurasikirwa, unogona kuona mutero unobatsira. Gore rapera, ndakatengesa chikamu chiduku chepodfolio yangu pakarasikirwa. Handina kunzwa ndakashata pamusoro payo nokuti ndakanga ndichiri nemari yakawanda mubhuku rangu rekutsvaga, ndaiva nezvandaida kubhadhara rwendo rwangu, uye, nokuda kwekuderedza mutero kwekurasikirwa kwekutsvaga kwekutsvaga, mazuva mana ezuva revhiki getaway pakarepo mutero-deductible.
Iva Nechokwadi Kuti Une Huru Hwokutambura Kushushikana
Paunoshandisa iyo mari inotengeswa yekushambadzira yefambi yako yekufambisa (kana chero chinangwa chenguva pfupi) zvakakosha kuva nesimba rakasimba. Pane nguva dzose yekuti mikana yemisika ichangotanga kuenda muzororo.
Unogona kutenderera izvozvo nekuteerera kwemwedzi miviri kunze. Kana mumusika uri kuita zvakanaka mwedzi mitatu usati waenda, uye iwe unetseka pamusoro pezvakangoita iwe usati waenda, funga kufambisa mari yaunoda yezororo kune mari. Zvose zvinoramba zviri muchikwata chekufambisa kunotora kukura kwekugona, uye une rugare rwepfungwa kuti rwendo rwako rwakavharwa.
Iyo inotengesa kubhadharwa kwekutsvaga mari yekufamba fund method haisi yevanhu vose. Asi kana iwe uine dumbu nokuda kwaro, inzira yekuchengetedza yezororo nekukurumidza apo uchivakira mari kune zviduku, rwendo rwenguva pfupi munzira.