Heino Maitiro Aunosarudza Kuita Investments seChose, Medium kana High-Risk
Mubvunzo waunoda kupindura ndewokuti, "Ndingarega kurasikirwa nemari yangu here?" Kupindura izvi ini ndinosarudza kuisa njodzi yekuisa mari kune imwe yevashanu, uye imwe inomirira ngozi shoma , kuchengeteka, kuchengetedzwa kwakachengetedzwa, uye zvishanu zvinowedzera dambudziko guru; ngozi yokuti iwe unogona kurasikirwa nemari yako yose.
Iwe unotora huwandu hwehuwandu hwekutsvaga hutsva hwemukana wekuwana mari yakakwirira yekudzoka kupfuura zvaunogona kugamuchira uchishandisa chete mari inotapudza mari. Izvi zvinonzwisisika. Asi, kana iwe usinganzwisisi njodzi yemari yako yakaiswa pachena, inogona kukubvisa, uye panzvimbo yekuita zvakawanda, iwe unopera kurasikirwa. Kunzwisisa zvikamu zviri pasi apa, uye kubhadharwa kwekutsvaga mari iwe unogona kutarisira kubva kune imwe nhengo kuchakubatsira kudzivisa kusakosha kwekutsvaga pangozi.
Inotengesa Kudhura, Yakachengeteka & Yakachengetedzwa
Paunenge usiri pangozi yekuti iwe unogona kurasikirwa mukuru, iwe unotengesa pangozi. Izvi zvinozadzikiswa nemari yakachengeteka ; matareji anowanzova nechirongwa chinotsigirwa neHurumende yeUnited States, kana nekambani ye inshuwarisi. Iwe hauzoni kuona kudzoka kwakakwirira nemari inotapudza mari. Asi mukuru wako anovimbiswa.
Kuderera kusvika kuIkuri Nengozi dzekutsvaga Mari, Sezvakaderera kana Pakati Pakati-Pakati Bond Fund
Kune marudzi akawanda ezvisungo (hurumende, hurumende, masisita), mumwe nomumwe ane dhigiriro rake rekutsvaga mari.
Njodzi inopesana zvichienderana nerudzi rwechisungo , uye nguva yezvisungo.
Izwi rechibvumirano rinoreva nguva yakareba kusvikira musikana uhu hwakakura, iyo apo mukuru wechikoro anofanira kubhadharwa. Nechisungo chenguva refu mari yako inogona kusungirirwa kwegumi, gumi nemashanu kana makumi maviri emakore; nechisungo chine nguva pfupi, inogona kuva imwe chete kusvika kumakore maviri kusvikira mukuru wako arikudzoka zvakare mumaoko ako.
Iyo yakareba nguva yakatarisana mukuru wako asati adzoswa kwauri, inowedzera dambudziko. Nokuda kwehutano uye hupfumi dzemasitendi pasi pehuwandu hwehutano pahutano , inowedzera ngozi.
Kuenzanisa Kwakawanda Kwengozi, A Blend Of Stock uye Bond Funds
Iwe unogona kuwana imwe nzvimbo yapakati; imwe yenharaunda yekutsvaga kwekutsvaga kwekutsvaga inowira pakati pekuchengetedzwa kwengozi yepamusoro imwechete uye yakanyanyisa kwehuwandu hwehuwandu hwechina. Iwe unowana uwandu hwehuwandu hwemungozi kuburikidza nekubatanidza pamwe nehuwandu hwemari yekutsvaga mari, kufanana nehomwe index yemari , nehuwandu hwemari yekutsvaga mari, sekuita kwenguva pfupi uye pakati penguva-bhidha mari. Iko mari yakaenzana ichaita izvi zvose kwauri uye kuumba uye mukati memari iyi inogona kunge yakagoverwa se "60% mashizha / 40% zvisungo.". Tarisira zvikwereti zvinotengeswa zvehuwandu hwehuwandu hwekukwanisa kudzorera zvishoma nezvishoma.
4. Kuwedzera Kwekutyisa Mari, Diversified Stock Funds
Mari yepamusoro-panjodzi yakafanana nehomwe index index mari inonyatsonzwisiswa nekutarisa pane imwe muenzaniso.
Mutsara wakafanana nomutongi. Inotarisa kushanda kwebhasika rematokari. Imwe nzira inotevera yakatevedzwa ndeye Standard uye Poor's 500 Index (S & P 500), iyo inoona kushanda kwemazana mashanu emakambani makuru ekutengeserana munharaunda muAmerica. Aya ndiwo makambani akadai seProtector & Gamble, Microsoft, WalMart, Johnson & Johnson, GE, Pfizer uye Exxon Mobil, kungoti vashoma.
Paunotenga S & P 500 Index fund, mari yacho inoshandisa zvishoma zvese mazana mashanu ematokari. Kana imwe yekambani idzodzo inopinda mudambudziko, inenge isina zvishoma pamari yako yekushambadzira.
Zvakadini nematambudziko evanhu mazana mashanu emakambani makuru eMelika kuenda pasi, zvose kamwechete? Kana izvozvo zvikaitika, tine matambudziko makuru pamaoko edu kupfuura kuti tingasimudzira sei mari yedu. Nokuda kwekukurukurirana uku pamusoro pengozi, ndiri kunyatsotaura kuti haugone kurasikirwa nemari yako yose mune pesa index index. Asi iwe unogona kuona nguva apo iwe wekutsvaga mari yako inowedzera ne50%. Nokuda kwechikonzero ichi, rudzi urwu rwekutsvaga mari inofungidzirwa sengozi huru, asi kana uri mairi kwenguva refu, wakazvidzivirira kubva pangozi yekurasikirwa nayo yose.
Tarisa iyi girafu yezvakaitika kare zveS & P 500 stock index kuti uwane pfungwa yekusagadzikana kwedzo dzinodzoka.
Inowedzera Ngozi Kuwedzera, Individual Stocks
Chero nguva chero ipi zvayo iwe unotenga imwe nhengo kana bhizimisi (kunze kwekuti iri hurumende yehurumende), iwe unotora huwandu hwakawanda hwekutsvaga mari, sezvo makambani makuru achigona uye anoenda achikwereta, uye kuchengetedza kwavo kusina maturo. Apo iwe unotenga utsinhanho hwakakosha mhinduro kumubvunzo "Ndingakwanisa kurasikirwa nemari yangu yose here?" ndi "HERE!" Iwe une huwandu hwakawanda hwekutonga pamusoro pemhando iyi yengozi.
Dzivisa hukuru hwehutano hwekutsvaga kwekutsvaga kuburikidza nekuparadzira mari yako mumatanda akawanda uye zvisungo. Kana iwe uri muchengeti mutsva kana asina ruzivo, ramba uchifunga mupfungwa dzako, uchitora zvigadziro zvako pachako uye uzvichengetedze nguva yakazara ibasa rakawanda, uye rinoda ruzivo rwakanaka rweunyanzvi, saka panzvimbo pokusarudza nekusarudza makoko ako nezvisungo funga kushandisa kushandisa mari , iyo inoshanda iwe.
Kazhinji Nyaya Inowanzobatwa Mukuenzanisa Kuda Kwemari
Vazhinji vatengesi vanogona kutaurira musiyano pakati pekuchengetedzwa kwakachengeteka, kwepasipo uye imwe inotyisa. Chikanganiso chikuru chandinoona vatengesi vanoita havazivi musiyano pakati pekutsvaga kwekutsvaga, uko kwaigona kuva nekusava nekutora asi kwete kurasikirwa zvachose, uye kutyiswa kwepamusoro kune ngozi, uko kune mukana wokurasikirwa nezvose zvavo mari. Ndiyo musiyano pakati pechinhu 4 ne5 kumusoro.