Dambudziko nderokuti hatisi kudyidzana shure; isu tinotarisira mberi uye kune zvakawanda kuongorora imwe mutero kunze kwekuongororai kushanda kwekare. Zvechokwadi, zvakanakisisa zviratidzo zvekushanda kwemangwana zvinosanganisira zvinowanikwa nevashambadzi vakawanda.
Pane zvimwe zvinhu zvakakosha, zvakadai semutungamiri wenheyo , chiyero chebhadharo, chiyero chekubhadhara , uye kukwanisa kwemitero kuongorora nekuenzanisira vasati vatenga mari yekubatana:
Ongorora Mutual Fund Performance
Kana iwe uchizoongorora zvadzo zvekare, unofanira kuzviita zvakarurama. Basa rekare harisivimbisi misi yeramangwana asi zvine basa kana uchitarisa mari yakachengetedzwa . Zvisinei, varimi vakawanda vanobatwa mumusungo wekudzingirira basa nekugara vachitenga mari iri kuita zvakanaka uye kutengesa iyo iri kuita zvakaipa. Iyi inongova imwe yerudzi rwematengesi nguva iyo inoita kuti mutengesi ave achigara ari kutenga nekukwirira uye kutengesa pasi-zvakasiyana nemafambiro evanhu vane masimba ekuchenjera. Kana uchitarisa kushanda kwekare, funga zvakanyanya pamakore mashanu uye makore gumi kudzoka nokuti izvi zvikamu zvenguva inoratidza hukuru hwekambani yemakambani ekugadzirisa unhu hunochinja huri mune zvehupfumi.
Ongorora Manager Gumi
Kana iwe uchikweverwa kune chikwereti chemakore mashanu nemakore gumi anodzoka, zvingava kukanganisa kutenga zvikamu zvegadziriro iyi kana maneja ave achingova pachigaro chegore rimwe chete. Izvi zvinoratidza mutungamiri akapfuura ndiye ane basa rekushanda kwenguva refu yakasimba asi maneja mutsva haana kuzviratidza.
Saizvozvowo, iwe haungazobhadhara mari kana mari yemakore gumi ichiona yakashata, ichienzaniswa nedzimwe mhando dzemari , kana basa remakore mashanu rinoratidzika zvakanaka uye mutariri wekutora makore mashanu. Muchiitiko ichi, maneja wezvino anofanira kuwana chikwereti pamakore mashanu anouya asi asingagamuchiri mhosva yemakore gumi. Muchidimbu, iva nechokwadi chokuti nguva dzauri kuongorora dzinofanana nehutano hwemaneja wezvino. Iwe unogonawo kuedza zvachose kudzivisa mari nemutungamiri wekutora zvishoma pasi pemakore matatu.
Tsvaga Mari Yakaderera Mairi:
Kudhura kunodhura kupa mari yekutengesa musoro kutanga kutarisana nemari yakafanana nemari yakadhura yakawanda. Mamashoko akasiyana, kukwirira kwedzimwe mari ndeyekukwezva pabasa. Semuenzaniso, zvimwe zvinhu zvose zvakaenzana, mutengo wekubatana pamwe nekodzero yebhadharo ye 0.50 ine simba rakakura pane imwe yakafanana nehomwe ine chikwereti chemari ye100.
Kana mari iyo yose iine mitsara yakawandisa (isati yatengwa) ye10,00% mugore rakapiwa, mari yekutanga yaizoita mari yekudzoka (pashure pemari) kumudziri we 9,50% uye yechipiri mari inenge iine mvumo yekudzoka ye 9.00%. Kuchengetwa kuduku kunoshandiswa kuva mari huru nguva.
Ichokwadi kuti, maneja wezvikwama anokwanisa kuunza zvigumisiro zvakasimba munguva pfupi yenguva (pasi pemakore mashanu) nepamusoro-soro yemari mari asi izvi zvisingabatsiri zvakaoma kuti zvibudirire nguva dzose kwenguva yakareba (kupfuura makore mashanu).
Ichi ndicho chikonzero vatengesi vanosarudza mari yekufungidzira: Mari inodhura uye yakadzoka kwenguva refu inowanzoenderana nehuwandu kupfuura yehuwandu hwemari yakarongeka.
Tsvaga Kuchinja Kwishoma Kudarika:
Kudzoka kwechikwama kunomiririra chikamu chemari yekuchengetedza mari iyo yakatsiviwa mukati megore rapfuura. Somuenzaniso, kana mari inobhadhara inotengeswa mumatokari zana akasiyana-siyana uye makumi mashanu ayo anodzorerwa mugore rimwe chete, chiyero chekubhadhara chikava 50%. Mutengo unobatanidza nemari inokonzerwa nokuti mari yepamusoro yekutengeserana (kutenga nekutengesa) inoshandura muzvikwereti zvakakwirira, zvakadai semabhizimisi emakambani uye mari yekutsvakurudza. Nhengo yakaderera inoshandiswa nehuwandu inoratidzawo "kutenga uye kubata" hupfumi hwekutsvaga mari, iyo inowanzosarudzwa kune vashandi venguva refu uye inoratidza chivimbo kune chikamu chemugadziri wemari, asi zvinopesana nehuwandu hwemakambani ekugadzirisa nguva , iyo inogona kupa zvishoma zvakasimba -mamiridzo anouya asi anowedzera dambudziko rekunze.
Ramba uchitarisira maapuro-ap-aples kutonga pano uye uenzanise mari kune imwe nzvimbo yepamusoro-soro nokuti mamwe mari, akadai sehurumende yemari, inowanzova nehuwandu hwepamusoro kupfuura mamwe akawanda emhando yemari uye zvikamu.
Tsvaga Mutero-Zvakakwana Mari dzeAptable Account
Mitero yepasi inowanzoshandura kune mhinduro dzakakwirira nokuti iwe uri kuchengeta mari yako yakawanda uye uchiwana chikwereti pairi apo iwe unobata utsva. Vazhinji vatyairi vangave nekodha imwe yekero-yakasarudzwa, iyo yeIRA, 401 (k), 403 (b) kana annuity, asi kana uine imwe munhu kana kuti joint joa rekwereti, iwe kazhinji unoda kuwana mari imwe chete isingaiti mari yakawanda yemutero wemitero kubva kune zvikamu uye kugoverwa kwemari kunowanikwa. Nokuda kwechikonzero ichi, iwe unogona kutsvaga kubvisa chikamu chekutengeserana mari uye mari yezvisungo mubhuku rako rekubhadhara mari, kana zvichibvira. Iwe unogona kuisa mari idzi mumakero ako akambomira musero. Iyi nzira yekugadzirisa uye kuparadzanisa mari muzvikwereti zvakasiyana-siyana zvichienderana nehuwandu hwemitero inonzi nzvimbo yefa .
Funga Index Index
Zvose zviri pamusoro apa zvinongororwa pakuongorora mari pamwe chete ndezvokusarudza mari yakachengetedzwa . Zvisinei, kuongororwa kwemari yekusarudzwa -mari inotarisirwa inenge isingakoshi, zvikurukuru nokuti inotora mari zvayo zvakasikwa uye ine mari shoma yehuwandu uye huwandu hwehuwandu hwehutano uye mutariri wekugara haisi kunyanya kufunga. Paunenge uchitarisa huwandu hwemari, iwe unoda kuva nechokwadi chokuti chiyero chebhadharo chakaderera nokuti kudhura mari ndiyo inonyanya kubatsiridza mari iyi. Semuenzaniso, iyo yakanakisisa S & P 500 Index Funds iriwo pakati pemari yakaderera mari yemari. Kana iwe uchingoshandisa chete mari yekuenzanisira, ungada kuzarura kambani kuVanguard Investments, uko iwe uchawana zvakanakisisa zvakasarudzwa kushandiswa kwemari uye ETFs inowanikwa mune imwe nzvimbo yemari.
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.