Nzira Yokuvaka Dhipatimendi Rekudzivirirwa Kwepasi rose

Kushandisa International ETFs Kuvaka Diversified Portfolio

Mutevedzeri wemushambadzi weUnited States anotora anenge 90% yepodfolio yavo muzvinyorwa zvekuchengetedza, maererano neNBER, pasinei nematokari aya anomiririra pasi pehafu yepasi rese mutengo wemari. Munguva yakapfuura, kushayikwa kwenyika dzekutsinhanisa-kutengesa mari ("ETFs") uye mari inobatanidza nyika yakaita kuti nyika yose ive yakaoma kana kuti isingakwanisi kune vashandi vanogarisa, asi mazuva ano, hapana chikonzero chezvinonzi "misha yeimba" inowanzoonekwa many stock portfolios.

Muchikamu chino, tichacherechedza kuti mudyari wepakati pekuteya angavaka sei podfolio yepasi rose achishandisa mari dzisina mari dzakawanda dzeTFF, pamwe chete nedzimwe shanduro dzinozoita ivo.

Sarudza Asset Allocation

Nhanho yekutanga yekuvaka nzvimbo yepasi rose inongoratidzira kushivirira kwako kune njodzi nekugadzirisa kodzero yekugoverwa kwemari . Zvichienderana nehutano hwekutsungirira kwako, iwe unogona kugadzirisa kutarisana kwavo kune mamwe makirasi ehutano nezvisungo izvo zvisingambove zvine ngozi kune vamwe.

Vashandi vanonyatsogadzikana nekutora njodzi yakawanda vangasarudza kuvaka nzvimbo iyo inowanzobatana nemari uye zvisungo zvishomanana, asi avo vane ngozi yakawanda-inopisa vangada kutarisa chikamu chikuru chakazvitsaurira kuzvisungo. Maererano nemasikirwo emassetti, vatyairi vengozi vangave vachida kutarisa zviduku zviduku, mashizha anotanga kubuda , uye hutano hwehutano, asi avo vari mungozi vanogona kutora matanda makuru, mashizha akavakwa, uye hurumende dzisungo .

Kune marudzi akasiyana-siyana ematambudziko okufunga. Bhatia coefficient inzira inowanzoita yekutengesa kuenzana kwemaari ehutano hwekushaya simba - ndiko kuti, yakawanda sei mutengo wayo unopinda munguva. Pakati pese, yakakwirira beta coefficient values ​​inoratidza kuti imari inogona kunge inotapisa kupfuura zvishoma. Vashandi vanofanirwawo kufunga nezvehutano hunokonzerwa nehuwandu hwehutano - sehutachiona hwehupfumi nehutano hunoshandiswa - pamwe nekutsvaga matanho ehuwandu ematambudziko.

Kuwana ETF Zvakarurama

Nhanho yechipiri mukugadzira chikamu chenyika yose ndeyekuziva zvakanakisisa dzimba dzeEFP nedzimwe nyika kuti dzive nehuwandu hwezvinhu izvi. Kunyange zvazvo chikwata cheEFF chekubhadhara chakakosha kufunga, kune zvimwe zvimwe zvinhu zvisingafaniri kuregererwa.

Zvinonyanya kukosha zvinosanganisira:

• Mari Yezvikwereti - Kuderedza mari shoma kunoshandiswa sezvo ivo vachiwedzera kuwedzera zvinogona kudzoka munguva yakareba nekuderedza mari. Nenzira yakawanda, Vanguard naCharles Schwab vanoonekwa sevatungamiri muTFF dzinodhura.
• Asset / Liquidity - Dzimwe ETFs hadzina zvakawanda zvokutengeserana, izvo zvinogona kuita kuti zvive nyore kutenga nekutengesa nemutengo wakanaka. Izvi zvinoreva kuti vatengesi vanofanira kuve nechokwadi chokuti ETFs vanotenga bhizimusi nhamba yakakwana yezvikamu zuva rimwe nerimwe.
• Kubata - EFS dzakasiyana-siyana dzine mitemo yakasiyana-siyana inodzora mashizha kana zvibvumirano zvavanoshandisa, pamwe nemitemo yekukomberedza kushandiswa kwemari kana kuenzanisa, iyo inogona kuva nemigumisiro yakakosha pahuwandu hwavo uye pasi.

Vashandi vanogona kuwana ruzivo urwu hwose kuburikidza nekushanyira mabhizimusi webusaiti uye kuverenga mabhizimusi emari. Semuenzaniso, Vanguard ETFs zvinorondedzerwa pawebsite uye iShares ETFs zvinorondedzerwa pawebsite.

Zvakakosha kunyatsoverenga kuburikidza nemabhuku aya kuti uone kuti une ruzivo rune ruzivo rwekuita chisarudzo chakanaka.

Kuvaka & Kudzokorora

Danho rechitatu pakuvaka nzvimbo yepasi rose kuverenga nhamba yezvikamu zvinotengwa kuti uwane hutano hwakakodzera, kuvhara mari yakakwana kuderedza mari yekutumirwa , uye kunyatsoita kuti kutenga kwekugadzira nzvimbo yacho.

Vashandi vanofanira kutanga nekuwedzera mavhesi avo ekutanga nemari yehuwandu hwekugoverwa kwega ega ndokugovera dhora chiyero nemutengo wega wega kuti uone nhamba yezvikamu zvinotengwa mune imwe yeFTF. Muzviitiko zvakawanda, varimi vanofanira kuedza kupedza kubata kwavo kusvika pakati pe8 ne15 ETF kuitira kuti kuderedze mari dzinoshandiswa nokutenga nekutengesa, uyewo kuchengetedza sarudzo yavo iri nyore pane kunyanya kuoma zvakaoma.

Mushure mokunge mapurisa akasika, vatengesi vangawanawo zvakakosha kuti nguva dzose dzive nehuwandu hwekuchengetwa kwemahofisi kuitira kuti varambe vachigadzirisa zvinhu zvakafanana. Semuenzaniso, misika inotanga kubuda inogona kupfurikidza pamusoro pemakore akawanda uye inobata nzvimbo yakanyanyisa pane imwe nzvimbo, iyo inowedzera dambudziko rehupfumiroyo. Vashandi vangave vanoda kutengesa zvimwe zvezvikwereti uye vanozviisa mumakambani akabudirira kuderedza dambudziko.

Key Takeaway Points

• Mutevedzeri wekudyara wekuAmerica ane zvikwereti zvakawanda zveimba, zvinogona kuisa kudzoka kwavo panjodzi apo marimba emisha anoita zvakanaka.
• Vatengesi vanogona kuumba zvakasiyana-siyana pasi pepotekoti kuburikidza nekutevera zvigadzirisho zvezviito kana kushandisa mashandisiro ezvakaitwa se Wealthfront kana Betterment.