Basics of Investing in Mutual Funds
Iwe unogona nguva dzose kuenda nayo uri woga uye kutenga mari pamwe chete kubva kune -no-load mutual fund kambani (yakadai seVanguard kana T. Rowe Price kana kubva kudivi rekutsvaga rokutengesa (seSchwab kana Fidelity).
Iwe unogona kunyange kutsvaka rubatsiro rwemugadziri. Zvisinei, paunosarudza kuti unoda kutenga sei mari yekutengeserana, iwe unenge wakakurudzirwa kuti uongorore zvinhu zvakasiyana-siyana zvingakanganisa iwe wekutsvaga - zvinhu zvakadai sekubhadhara uye mari , mabasa anopiwa uye kuwanika kwemari pamwe chete.
Kutsvaga Mazano Anyanzvi Kutenga Mutual Funds
Mibvunzo yakawanda inowanikwa nevarimi vachakumbira kana kutsvaga mazano ekutenga mari pamwe chete kunosanganisira: "Ndinoenda kupi kune mazano?" Uye "Ndingabhadhara mari yakawanda sei?" Une zvisarudzo zvakawanda. Iwe unogona kukwereta mupikizano anoshanda kushanda yakakwana yebasa rekutengeserana, rekutsvaga rekwereti rekambani, mutual fund company, bhangi, Registered Investment Advisor (RIA), kana kambani yveshuwarenzi.
Ita Basa Rako Rokuumba Pamberi Usati Watenga Mutual Funds
Kuti unzwisise mari yekupa mazano, iwe uchada kuita zvishoma zvekuchikoro, kubvunza mibvunzo uye kutsvaka kuziviswa kwakazara kubva kumudzidzi mumwe nomumwe. Haisi chakavanzika chokuti kana iwe uchitsvaka mazano iwe uchafanira kubhadhara kwebasa racho.
Asi mumwe mubvunzo unogona kujekesa kana ukasarudza mupi wezano ndewe: "Ndeapi mavhisi andinowana nokuda kwebhadharo randinobhadhara?" Mupi wezano ari kubhadharwa chete kuti aite mutengesi, ndiye iye akabhadhara kupa mazano ekutsvaga mari kana kuti iye / anopa chirongwa chakazara chezvemari? Mhinduro dzemibvunzo iyi dzichakubatsira kuti uone kana mupi wezano anokodzera mari.
Ndezvipi zvinodiwa zveMudzidzisi?
Kana ukasarudza kubhadhara mupi wezano kumutengesa mari yako , une zvingasarudzwa zvekuremekedza kumubhadhara. Muzviitiko zvakawanda, mutungamiri anongorayira kuti anobhadharwa sei (zvichienderana nokuti vanoshandira bhizinesi, rekambani yezvekwereti, RIA, nezvimwewo). Iwe unogona kutarisira kubhadhara mari yepamusoro yekutengesa mutengo kune imwe neimwe kutenga mutengesi, rekupedzisira yekutsvaga mutengo wekutengesa kune mumwe nomumwe kutengesa mutengesi kana mutengo wekuchengetwa kwemari wegore negore. Kutengeswa kwemajeri kunogona kuva yakakwirira se7% uye mari yegore rekutsvaga mari inogona kubva kubva ku75% kusvika ku150% pane zvinhu zviri pasi pekutarisira. Mukuwedzera kune mutengo wekutengesa kana mutengo wekutsvaga kwegore gore negore, mari inoshandiswa ne mutual fund yekambani yekutarisa mari.
Ita-Iyo-Iwe pachako Kuzviisa mu Mutual Funds
Kana ukasarudza kuitora uri woga, zvichiri kukosha kuti unzwisise mari nezvikwereti zvauchapihwa ne mutual fund company. Kwete-mutoro hairevi "kusununguka." Kutarisira uye kushandiswa mari zvinowanzotarisirwa nekambani yemari uye inofanira kuongororwa isati yatora mari.
Mukuwedzera kune vatungamiri uye kushandiswa mari, kana ukatenga pasina mutoro mutual fund, unogona kubhadhara mari yekutengesa kuburikidza nebhadharo broker kana mutual fund kambani. Iyi mitero inobva pa $ 0 kusvika ku $ 75 zvichienderana nehukuru hwekutengesa uye imwechete mutual fund yakatengwa.
Zvakakoshawo kuziva kuti mari zhinji ichabhadhara mari yekudzikinura 2% kana iwe uchitengesa zvikamu zvako muhomwe mukati mazuva makumi mapfumbamwe ekutenga.
Kana iwe uri-iwe-it-yourselfer nenzira yezvakasikwa uye unoda kuifamba uri woga muhurumende yekutengeserana, hapana kushayikwa kwezvinhu zvinowanikwa kwauri. Kune vazhinji vanotengesa vatengesi uye makambani ekudzivirirana ehurumende anopa mimwe mikana yekutsvaga mari uye vazhinji vanowanikwawo paIndaneti.
Kutenga Mutual Funds: The Next Step
Saka, iwe wakasarudza kuwedzera mutengo wemari kune rako rakanyatsogadzirisa chikwereti. Iwe unonzwisiswa zviri nani pamusoro pekutenga mari yekubatana uye kuti ichakubhadhara zvakadini iwe. Iwe unofanotanga kutanga kutsvakurudza mari yemunhu mumwe nomumwe nekunyatsonzwisisa kwemari. Nhanho yako inotevera ndeyokusarudza kuti ndeupi mari yekutenga mumamiriro ezvinhu ehuwandu hwepodfolio yako.