Izvo zviviri simba guru rekugadzirisa mari ndezvekuwanika kwavo uye zviri nyore: Anenge munhu wose anogona kuzvitenga uye zviri nyore kunzwisisa. Kana iwe uchida kusarudza zvakanakisisa mutual funds , pane zvinhu zvishoma chete zvezvinhu zvinokosha zvekuchengetedza pane sarudzo chekuongorora chekuita:
Usati watanga kutsvaga mari yakanakisisa yemari, unoda chinhu chakanaka chokukubatsira kuita tsvakurudzo. Iwe unogona kuwana nekushandisa zvose zvekutanga mutual fund sarudzo yekugadzirisa ne Morningstar's Fund Screener.
Iko mari yekusununguka yakasununguka kana iwe ukasainira nhengo yavo yekutanga.
Shandisa Benchmark Yakakodzera Kuyera Kuita
Kuti usarudze zvakanakisisa mutual funds, unoda kuziva kutonga kushanda. Enzanisa imwe neimwe yezvakaitika zvegadziriro yezvakaitika kare kune imwe yenzira yakakodzera, yakadai seye chikamu chechikwata chikamu chizere kana rondedzero. Semuenzaniso, kushanda kwemari yakawanda yekutengesa mari kunoenzaniswa neS & P 500 Index .
Ramba uchiyeuka kuti mari pamwe chete inoshandiswa zvakanakisisa pakusimwa kwenguva refu (makore anopfuura 3). Saka shandisa uremu hunorema mukusarudza kwako mumakore mashanu ekudzoka. Uyezve tarisa kubhadhara kwemakore gumi kana chikwereti chave chiri nguva yakareba kudaro. Kana chikwereti ichocho chichikwanisa kuenzanisa chikamu chekudzoka kwemakore mashanu, chengetedza pairi radhi yako. Zvimwe zvisabvisa kubva pakufungisisa.
Tarisa Kureba Kwemutariri Kugadzirisa
Vazhinji vatengesi vanoona kutarisira mumiririri, iyo ndiyo nguva yakareba maneja ari kutarisira chikwereti.
Tarisa maneja wekugara kwemakore anenge matatu uye uve nechokwadi chokuti nguva yauri kuongorora iwe inomiririra nguva imwechete iyo mutungamiri ave ari mubatsiri wemari. Kana, semuenzaniso, wawana homwe ine mari inosvika makore mashanu ekudzoka asi mutungamiri wekugara ari gore rimwe chete, zvinoreva kuti maneja iye zvino haagamuchiri chikwereti kwemazana mashanu emakore akapfuura '.
Chengeta Mari Nezvinodhura Pasi
Mari nezvikwereti zvinokonzera zvakananga kumari yekudzoka. Saka, mari nemari yakaderera uye mari inowanzoita zviri nani pane kwenguva yakareba kwenguva kupfuura yevaya vane mari yakakwirira. Ingotarisa mutengo wemari pamwe neAll Expense Ratio pasi pe 1.00%. Cherechedza: Avhareji yeDhodhi Ratio inosvika 1.50%. Uyewo, dzivisa kutengesa mitero (mitoro) uchishandisa chete mari-mutoro .
Kutora chiyero chebasa rekubhadhara mari. Izvi zvinoreva kuti kazhinji sei mutariri wemari ari kutenga nekutengesa zviyero kana kusungirwa muzvisungo muhomwe. Mutengesi unowanzoratidzwa se peresenti, inonzi Kudzokorora Ratio. Chiyero chechibhadharo chakaderera (20% kusvika ku30%) chinoratidza kutenga-uye-kubata nzira uye kudhura kwekutengesa mari, iyo inonyanya kukosha kune vashandi. Chiyero chekutsvaga kwepamusoro (chinopfuura 100%) chinoratidza urongwa hwekukosha kwekutenga uye kutengesa kwezvivimbiso, izvo zvinoita kuti pave nemari yakakwirira yekutengesa mari.
Nemazvisikwa, mutual funds ndeyemari yakasiyana-siyana; vanobata mazana kana mazana ematokari uye / kana zvisungo zvose mune imwe tswanda. Zvisinei, ichiri chirevo chakanaka chekutarisa kuti zvikwereti zvakadini kana zvibatanho zvinowanikwa mune mari yauri kutsvaga. Kana, somuenzaniso, mari inoshandisa mari inosvika makumi maviri nemasere (holdings), kune ngozi yakawedzerwa yekuratidzira (kushamwaridzana nekukwira kumusoro kana pasi mumutengo).
Iwe unogona kuwana zvikwereti zvakakosha pamwe nekuderera kukuru kwekukosha pane nguva pfupi. Nokuda kwehutano hwakanaka uye hwepakati pengozi, chengetedza kuti uve nechivimbo chekuti mari yacho inosvika makumi mashanu ekuchengetedza mari isati yatengeswa.
Inokurumidza Kuronga pane Index Funds
Maonero apfuura anonyanya kusarudza mutengo wemari unotarisirwa, izvo zvinoreva kuti vatariri vemari vari kuedza kuparadzanisa kuwandisa kwemusika wekutengeswa, zvichienzaniswa nenhamba, seS & P 500. Zvisinei, kwenguva yakareba kwenguva, zvikurukuru Makore gumi kana kupfuura, ruzhinji rwemari yakarongedzerwa nemari haigoni kupfurikidza nehuwandu hwemakero emabhizimisi, ndicho chikonzero nei vatengesi vakawanda vanoda kushandisa mari yekuenzanisira .