Nzira Yokuita Mari Nekutsvaga Mutual Funds

Kunzwisisa Kuti Mutual Funds Inokwira sei Cash

Vanhu veAmerica vakaisa mari mumari yavo kuburikidza ne 401 (k) chirongwa chebasa ravo, Roth IRA s, yavo yeChechi yeIra , 403 (b) s, SEP-IRAs, SIMPLE IRA yavo , kana mamwe marudzi emarenda ekurega basa , zvakanyanya zvokuti dzinomiririra chikamu chakawanda chezvinhu zvakachengetwa mukati mavo. Zvinosuruvarisa, vazhinji vatsva vekutsvaga mari, pamwe chete nevashambadzi vakawanda vanochengeta mari, havagoni kukuudzai izvo mutual fund ndeyekuti, mutual fund inoshanda sei, kana kuti mumwe munhu anoita mari sei kuva nekutengesa mari .

Chii chinowirirana mari

Usati wanyatsonzwisisa kuti vatengi vanoita mari sei kuisa mari mumutengo wemari, iwe unonzwisisa kuti mutual fund chii uye kuti inobatsira sei. Iwe unogona kutanga nekuverenga boka rezvinyorwa, asi kana iwe wakamanikidzwa kwenguva, heino tsanangudzo inoshandurwa.

Zvichitaura zvishoma, mutauro wekutengeserana ndiyo izwi rinoshandiswa kurondedzera rudzi rwekambani risingamboiti chinhu chairo, asi pane iyo inenge iine zvikwereti. Iyo kambani, iyo iyo mutual fund, inoshandisa maneja wemapatotikoti uye inomupa mari yekufambisa, iyo inowanzosvika pakati pe 0.50% uye 2.00% yezvinhu. Mutungamiri wenyika inotengesa mari yakakonzerwa nehomwe yehurumende maererano nesarudzo yakarongwa mumutauro unonzi mutual fund prospectus .

Imwe mari inobatanidza mari inonyanya kuzivikanwa mumatoro, mamwe muzvisungo, vamwe mune zveimba, vamwe mune goridhe. Nhamba yacho inoenderera mberi ichienderera mberi uye pamwe chete nemari pamwe chete yakarongeka kumarudzi ose emararamiro emari kana niche unogona kufungidzira.

Pano pane mari yakagadzirirwa vanhu vanoda kungova nemabhadharo muS & P 500 yakawedzera mugove wegore negore kwemakore 25 apfuura! Zvakachengeteka kutaura kuti pane mari yekubatana kune chero chinangwa chaungada kuita.

Nzira iyo mari yekubatana nayo inogona kukugadzirira mari

Mhando yehurumende yemari yawakasimudza ichagadzirisa kuti unoita sei mari.

Kana iwe uine chikwereti chemari , iwe watotodzidza kuti hurukuro inobva kune inogona kubhadhara inowedzera mumutengo wemari ( inowanikwa muhomwe ) kana zvikwereti zvemari zvakabhadharwa kwauri nokuda kwechikwata chako chepro-rata chemakambani akaparadzirwa. Kana chikwereti chinonyanya kufunga nezvekutsvaga mari muzvisungo , unogona kunge uchiita mari kuburikidza nemari inowanikwa . Kana iyo fund inonyanya kuisa mari muzvivako , unogona kunge uchiita mari kubva kune zvikwereti, kuonga kweimba, uye kubatsirwa kubva kumabhizimisi, sekudai kushandiswa kwemichina muhofisi yehofisi.

Idzi nhatu nheyo dzekuita mari kuburikidza nekutengeserana mari

Iko kune matanho matatu makuru ekugadzira mari kuburikidza nekutengeswa kwemari . Izvi ndezvi:

1. Chengetai Muri Mutual Funds Munonzwisisa
   Kana iwe usingakwanisi kutsanangura, nokukurumidza, zvakanyatsojeka, uye nehuwandu, kunyatsoshandiswa kwekuti mutero unobatanidzwa, chii chaunobata nacho, izvo zvinokonzerwa nehutano hwekutsvaga mari ndezvei, uye sei iwe une purogiramu imwe chete, pamwe haufaniri kuva nayo muhofisi yako. Zviri nyore kwazvo kuyera, kuva, uye kuonga njodzi kana iwe uchichengeta zvinhu zviri nyore.
2. Funga Mumazuva emakore mashanu kana kupfuura
   Zviri nyore kwazvo kurega pfuma yako yakawanda kana iwe uchikwanisa kukwira kunze dzimwe nguva dzinopisa mafungu emakethe kusagadzikana iyo chikamu uye chikamu chekutsvaga mumatanda kana kusungwa. Kana iwe uri wega, taura, kuenzanisa mutual fund, gadzirira kuti irambe iri ne50% mune ipi zvayo yakapiwa gore. Zvinhu izvi zvinoitika. Kufunga kuti iwe wakagadzira kunyatsotsvakurudza, urongwa hunoenderana nehupfungwa, masvomhu ekutanga, uye mazano ekuchenjera ekugadzirisa njodzi, uchibvumira kuva nemafungiro uye kutengesa zvinhu zvako zvinobudirira panguva yakaipisisa hazviiti kuti iwe uite hupenyu hune nguva refu hupfumi.

1. Bhadhara Mari Inonzwisisika
   Kunze kwehuwandu hwemari yekutengeserana mari, zvinokosha zvakare kutarisa zvishoma zvezvimwe zvinodhura. Mutero wekubhadhara mitero. Mari inoda kukosha. Dambudziko rekutsvaga njodzi. Izvo zvose zvinoda kuyerwa kune umwe neumwe uye zvimwe zvikonzero zvakakosha. Chinangwa ndechekuti uve nechokwadi chokuti uri kuwana kukosha kwezvaunobhadhara.

Ndapota cherechedza kuti The Balance haibhadhara mutero, utsvaga, kana mari yemari uye mazano. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kubvumira kusangana nematambudziko kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru.