Iwe une zvinangwa zvakananga, zvakadai sokuchengetedza kubhadhara, kana kuti une zvimwe zvinangwa zvakatsanangurwa, zvakadai sekuunganidza hupfumi nokuda kwechinangwa chikuru chekusimbisa mari yako yekuchengeteka?
Inguva yako ndeyei? Gore rimwechete? Makore mashanu? Makore gumi?
Kuva nechinangwa mupfungwa nokuda kwekutsvaga kwako kunobatsira pakuita zvisarudzo zvakasarudzwa zvekutsinhanisa, zvakadai sekubatana kwezvikwata zvekubhadhara, kushandiswa kwemitero uye mari inotora kuti utange.
Tsvaga Rudzi Rwakanaka rwe Mutual Fund Kwako
Kune marudzi akasiyana- siyana ehurumende yemari asi zvose zvaunoda kuziva kuti utange ndezvipi zvitatu zvinokosha: mari yemari, bhadha mari, nemari yemari yemari. Iko kunewo ma hybrids, kazhinji anonzi mari yakaenzana, iyo inowedzera mune kumwe kusanganiswa kwezvinhu zvitatu zvinokosha.
Kazhinji, mari yekutengesa mari inokodzera nguva refu (makore anodarika gumi); mari yebhadha yakakodzera kune imwe nguva-nguva (makore mashanu kusvika kune gumi), uye mari yemusika mari yakakodzera kwenguva pfupi (pasi pemakore matatu). Zvimwe pane nguva yakatarisa, iwe unoda kuziva uye kunzwisisa dambudziko rako kushivirira.
Funga Mutual Fund Imitero uye Ndeupi Wechigwaro Waunenge Uchida Kuisa
Imitero yekubhadhara mari inobva kune imwe yerudzi rekutsvaga mari iwe unoshandisa:
- Mitero-Inobatsira Mazano: Izvi zvinosanganisira Individual Retirement Account (IRA, Roth IRA) uye 401 (k). Iwe haungabhadhara mitero pamari kana zvikwereti kusvikira iwe uchiita kubvisa. Mune zvimwe zviitiko, kurega kubhadhara kusingabhadhara mutero, kana zvimwe zvido zvinosangana.
- Kutengesa Mutero Kubhadhara Mazano: Iwawo anonziwo nguva dzose kubhadharwa kwekambani kana kukwereta kwemari. Iwe uchabhadhara mari inowanikwa mubhadharo pamusoro pekuwana uye mutero unowanikwa mubhadharo pazvikamu, kana zvichibvira.
Iye zvino wakagadzirira kutenga chikamu chekugadzirisa mari pamwe chete nekutsvaga kwekutanga mune imwe yekambani yekambani kana kushandiswa kwekutengeserana kwekambani. Mari inowirirana inoda chikamu chekutanga chekutsinhanisa mari, iyo inowanzosvika $ 3,000 kana kupfuura. Kune, asi zvakadaro, mashomanana akanaka makambani ehurumende, zvakadai seT. Rowe Price, TIAA-CREF, uye Vanguard vane mari nemadhora mashoma e $ 100, $ 500 uye $ 1 000. Iwe unogonawo kufunga Fidelity Investments naCharles Schwab.
Mamwe Mashomanana Matsva Aungafunga Kana Uchitenga Mutual Funds
Kana iwe ukazvipira kune chirongwa chekutsvaga kwekutsvaga, iwe unowedzera mari inenge $ 100 pamwedzi, unogona kutanga kutengesa kune imwe nzvimbo yepasi pekutsvaga kwekutsvaga. Uyewo, apo pamwe chete mari inowanikwa mune 401 (k), hapana mari shoma inowedzera mari. Zvose zvinotarisirwa kutanga kuti ugadzirise mapepa emushandi.