Bvisa Nyaya Yacho Kubva Yako Index Index
Kana iwe wakasarudza kutenga mari yekuenzanisira, zvinogona kuti iyi ndeimwe yepamusoro yekusarudzwa kwekutora iwe wakamboita. Kufanana nedzimwe dzimba dzekutsvaga uye mari pamwe chete, pane nzira yakarurama yekuisa mari mumari yekuenzanisa uye kune nzira isina kururama. Ngatitangei chidzidzo chedu pakushandisa izvi zvisingabatsiri-zvakabatanidzwa pamwe chete nemari yezvinyorwa zvemari yemari.
Makomborero e Index Index
Apo John Bogle akatanga Vanguard Investments makore anodarika makumi mana akapfuura, nheyo yake yekutanga yaiva yekuti mari yekutsvaga iyo iyo isina kutora mashizha mubhuku rekuenzanisa, saS & P 500, inogona kuita zviri nani munguva refu pane mari yakawanda yakachengetedzwa inoedza "kurova pamusika." Iye zvino zvimwe zveVanguard mari yakanakisisa, seVanguard 500 Index (VFINX) , Vanguard Total Stock Market Index (VTSMX) , uye Vanguard Total Bond Market Index (VBMFX) ndiyo mitatu yemari yakawanda inowanikwa pasi rose.
Asi mari yekuenzanisira mari inorova sei mari inogadziriswa yakagadzirirwa munguva refu? Imwe yenharo dzakasimba zvikuru dzeongorori mari ndeyokuti kusava nehanya kwavo kwakanyanya kunoderedza mari yekushandira mutual fund. Semuenzaniso, kana mari yekutengesa mari yakakwirira kupfuura yevhareji, izvi zvinodhura zvinoderedza kudzokera kune vatengesi kupfuura mari yakawanda. Izvi zvinodhura zvinoratidzirwa muhomwe yemari yebhadharo .
Mukutaura kwakajeka, kana mari yekubhadhara mari isati yatengeswa mugore rimwe chete ndeye 10% asi chiyero chebhadharo chikamu che1%, iyo inodzorera kuvasimari gore iroro i9%. Iye zvino chimbofunga nezvekuti mari yakawanda inoshandisa mari yakawanda inosvika 1,5% kana kupfuura, uye iyo yakawanda yemari inoshandisa mari yakawandisa iri pasi pe 0.5%.
Iko 1% yekudzoka yakachengetwa gore rega rega nemari yekuenzanisira inogona kureva zviuru zvemadhora kwenguva refu.
Imwe mukana wehurukuro yemari ndeyekuti vane pfupa shoma kupfuura mari inogadziriswa. Chiyero chekutengeserana kwekambani yehurumende ndechekuti mari yakawanda yehupfumi yemari inotsiviwa gore rega rega. Somuenzaniso, kana mari inobhadhara inotengeswa mumatokari zana akasiyana-siyana uye makumi mashanu ayo anodzorerwa mugore rimwe chete, chiyero chekubhadhara chikava 50%. Kuwedzerwa kwepamusoro kunowedzera mari yekugadzirisa mari yacho asi inogonawo kureva mitero yakawanda kumudzimai wekutsvaga kwekuita mari yekugoverwa kwemari .
Indekisi yemari inobvisawo chimwe chinhu chinonzi mutungamiri wekutengesa , iyo ndiyo ngozi yokuti mutariri weporofisitiri wehurumende yakabatanidzwa yakabatana ichaita zvikanganiso zvinowanzoonekwa nevanhu vose, zvisinei nokuti vane unyanzvi, ruzivo kana dzidzo yepamusoro. Kukanganisa kwevamwe vatungamiri vemari vanowanzoita zvinotarisana nekusaruramisira kwekuita nguva kana kusarudzwa kusachengetedza kusarudzwa. Izvozvikanganiso zvinogona kukonzerwa nemanzwiro, akafanana nemakaro kana kutya, kana kusakanganiswa kwemanzwiro evashambadzi. Sezvo rondedzero yemari inenge isingatariswiki, mhosho idzi dzemhosva hazviitike.
Imwezve ruzivo rwemari yehurongwa ndeyekuti ivo vanowanzova yakasiyana-siyana kupfuura mamwe mari pamwe chete.
Izvi ndezvokuti vanowanzobata mazana kana kunyange zviuru zvematokari kana zvisungo, asi mari inobatanidzwa yakabatana inogona kungobata mashopu makumi mashanu kusvika ku100 kana zvisungo.
Nzira Dzakanakisisa dzeIndaneti Mari
Kunyange zvazvo nhepfenyuro yemari inowanzova yakasiyana-siyana pane mari inogadziriswa, inogona kunge iko kukanganisa kubata mari imwechete muhomwe yako. Uye yeuka kuti mari yekuenzanisira uye mari inogadziriswa inogona kushanda pamwe chete zvakanaka. Saka inogona kuva pfungwa yakanaka kushandisa shanduro yemari, yakadai seimwe yepamusoro yeS & P 500 Index Index , seyakakosha. Ichi chinyorwa chekugadzirisa chinonzi chinonyanya uye satellite . Nyaya yemari ndiyo inonyanya kukosha, iyo inogona kureva 30 kusvika ku50 muzana yepodfolio, uye ma satellites angangosanganisira kune imwe nyika mari, chikamu chemari chechikwama, bhadha, pamwe pamwe nemamwe mashoma emari .
Uyewo, yeuka kuti mari yehurukuro ine uwandu hwekutsvaga.
Saka vanowanzova nehuwandu hwekubhadhara huwandu hwemari kune mari inogadziriswa. Nokuda kwechikonzero ichi, zvakakosha kubata mari yekuenzanisira mubhuku rekubhadhara mari uye kuchengetedza mari yakachengetedzwa uye mari inobhadhara chikamu mumatare e-tax-deferred, zvakadai seIRAs uye 401 (k) s.
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.