Nzira Yokugadzira Nayo Imwe Mutual Fund

Kusarudza Zvakanakisisa 'Zvose Mune' Mutual Funds

Iwe wakanzi urege kuisa mazai ako ose mudengu rimwe . Iyi iri mazano akajeka asi pane zvisiri izvo kune mutemo uyu pamwe chete nemari. Iwe unogona kuva mutengesi wokutanga kana mumwe munhu ane zvishoma zvishoma zvokusarudzwa kwekutsvaga mune zve 401 (k) chirongwa. Kana iwe unogona kutsvaga chinangwa chakasimba chekubata kuti uvakire zvakapoteredza nzvimbo dzakasiyana-siyana.

Usati waita mari ne "zvose mune imwe" mutual fund, iva nechokwadi chekuvhara zvose zvidzidzo zvekutsvaga mari.

Nzira Yokushandisa Nayo Kubhadhara Mari Mari

Balanced Funds , inozivikanwawo semari yakasanganiswa , inowirirana mari iyo inopa kusanganiswa (kana kuenzanisa) kwepasi pekushandisa mari, zvakadai sematokisi, zvisungo, uye mari. Iyi inofanirwa kugoverwa mune zvinyorwa zvayo zviri nyore. Mari yakaenzana inowanzove nechinangwa chakataurwa chinotsanangurwa sechisimba, chengwero kana chekuchengetedza. Semuenzaniso, Fidelity Balanced Fund (FBALX) inowedzera kugoverwa (midzi inowanikwa mukati mega) inenge inenge 65% matanda, 30% zvisungo, uye 5% mari. Imwe yemari yakanaka kwazvo, Vanguard Wellesley Inowanikwa (VWINX), inowanzochengetedza zvikamu makumi matatu nezviviri zvezvikamu, 50% zvisungo, uye 15% mari.

Mari yakarongeka inogona kushandiswa senheyo yekutengeserana kwehupfumi yemari kana inogona kushandiswa kune vanotanga sevokutanga. Chero nzira, mari yakaenzana yakagadzirirwa zvakasiyana-siyana uye inyanzvi-yekukunda / kukunda kune imwe-fund approach.

Nzira Yokusarudza Target-Date Funds

Target-Date Funds ndeyekuti inonzwika: Ndeye mari inoshandiswa kune rimwe zuva panguva.

Iyi mari inowanikwa muna 401 (k) zvirongwa uye inogona kushandiswa mune imwe nzira yekushandisa mari. Kana uri kuisa mari yekurasikirwa, iwe unogona kufunga imwe yevanguard yekutsvaga mari yekubhadhara mari. Somuenzaniso, mumwe munhu anoronga kupedza basa kana kuti pedyo negore ra2030, angashandisa Vanguard Target Retirement 2030 (VTHRX). Sezvo gore rinotora basa rekurega basa rinoswededza pedyo, mutungamiri wezvikwata uchaderera zvishoma nezvishoma kugoverwa kwemari uye kuwedzerwa hutano uye mari inopiwa (kubva kuchisimba kusvika pakuenzanisa kusvika pakuchengetedza) munguva.

Mutengi ngaachenjere: Target-Date Funds ndiyo yepamusoro "yakasvibiswa chikwereti" asi hapana humwe hukuru-hwakafanana-mari yose. Semuenzaniso, mutengesi anonyatsochengetedza angasave akasununguka nechinangwa-zuva rechikwama chekugoverwa kana kugoverwa kwakanyanya kune utsinye pamusana pekutsungirira kweruzhinji . Saka iwe unogona kuita chikamu chiduku chekuchikoro usati waita mari nekutsvaga kugoverwa kwemafaji ezvidzidzo-date fund. Semuenzaniso, kana iwe uchida kuve wakanyatsogadzirisa, funga zuva rinotarirwa riri pedyo nekuswedera pedyo, zvakadai semakore mashanu kana gumi nekukurumidza pane zuva raunoda. Saizvozvowo, kana iwe uchida kuva nekusanganiswa kwechisimba kwematokisi uye zvibvumirano ne-target-date fund, sarudza zuva rinotarisa riri kure, zvakadai semakore mashanu kana gumi gare gare pane zuva rako rairova.

Sei Uchifanira Kuisa Mukurondedzera Mari?

Kana uchitarisa imwe nzira-fund, mari yekuenzanisira inogona kuva sarudzo yakachenjera nekuda kwekuita kwavo kusarura, kushandiswa kwakasiyana-siyana, uye kudhura mari. Vangangotanga vangave vachida kutanga nehurukuro yekunyorera, yakadai seimwe yepamusoro yeS & P 500 Index Index , iyo inoshandiswa mune imwe nhepfenyuro uye satetiyo yemahofisi ezvo kana inogona kuve yakanyanya kufanana neyoyo yose yemari yemakero index .

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.