Lazy Portfolio Tsanangudzo, Urongwa uye Muenzaniso
Nokudaro kuva simbe chinhu chakanaka kana zvasvika pakuisa mari! Nzvimbo dzepamusoro dzakasvibiswa dzakasvibira dzinogona kuwanikwa pamusoro-kuyanzana kwekudzoka paunenge uchitora huwandu huwandu hwehuwandu hwemashoko nekuda kwezvimwe zvinhu zvinokosha zvezviri nyore, "zvigadzike uye uzvikanganwe" urongwa.
Heino nzira yekutanga kuvaka danda rako rakasvikirwa:
Invest in Index Funds
Index inotengesa mafambiro pamusana peuchenjeri hweuchenjeri: Nemhaka yokuti idzi mutengo wemari kana Exchange Traded Funds (ETFs) haisi kunyatsogadziriswa , maitiro avo asina kufanira anoguma mukushanda kunoenderana nehuwandu hwemashamba ekushanda kwehurukuro yakapiwa, pane kuedza "kurova pamusika. " Mumashoko akasiyana, mutual fund mameneja anogona kunge akangoita manzwiro evanhu, uye nokudaro kukanganisa kwevanhu, semurimi wekuita amateur. Nokudaro, vashandi vanogona kuita kuti varombo vasarudze masarudzo kuburikidza nekuita mumisika yemapenzi nguva .
Rongedza Hurongwa Hwekugadzirisa Kwemari (SIP)
Ndeipi nzira iri nani yekuve simbe (uye akachenjera) kupfuura nekuita zvose zvamangwana mutual fund kutenga chete
Iwe unogona kuita izvi nekugadzira izvo zvinonzi chirongwa chekugadzirisa hurongwa, kana SIP , pamwe nesarudzo yako yakasarudzwa mutual fund kana kuti firm brokerage firm. Hakusi chete unozvibvisa kubva kune ngozi dzekutengeswa kwemashamba asi iwe unobhadhara mari inodhura-inodhura , iyo inoderedza kugoverwa kwemazana emari yemari yekutsvaga kuburikidza nokutenga zvikamu pane zvakagadziriswa madhora emari uye zvinobudirira kutenga zvigaro zvakawanda apo mitengo iri pasi uye mashoma mashomanana apo mitengo yakakwirira.
Shandisa No-Load Funds
Inofanira kuva isina-brainer kuti isashandise mari-mutoro yemasikirini ako ane usimbe. Hapana-mutoro wemari haisi yekutengesa mitero, inonzi mitoro, iyo yakagadzirirwa kuva iyo yekubhadhara kune vashandi vematare uye mamwe mazano-based financial advisers for their services. Kana iwe uchiita zvinhu iwe pachako, izvo zvese zvinokwanisika nemari pamwe chete, hapana chikonzero chekubhadhara mari yakawedzerwa. Uyewo, kuchengetedza mari shoma kunobatsira kusimbisa nzvimbo yako yekudzorera.
Gadzira Peji Yakawandisa yeMutual Funds
Chimbo chekugara kwenguva yakareba chikwata chemahofisi ndicho chikwata chekona uye cheteteti , iyo yakagadzirwa sezvinoita sei: Sarudza "chinangwa," seimwe yepamusoro yeS & P 500 Index Index. Izvi zvichaita chikamu chakakura chepodfolio. Imwe mari iri muhofisi yemapurisa uye imwe neimwe inoita zvikamu zviduku. Aya ndiwo "ma satellites." Chinangwa chikuru chekugadzirwa kwepodfolio iyi ndechokuderedza njodzi kuburikidza nekusiyana-siyana (kuisa mazai ako mumabhasiki akasiyana) paunenge uchitarisa (kuwana kuwana zvakakwirira kudarika) chiyero chepamusoro chekushanda, seS & P 500 Index. Mukupfupisa, imwe nzvimbo yeCore uye Satellite inenge iine tariro yekuzadza pamusoro-yehuwandu hwekudzoka pamwe nehuwandu huwandu hwehuwandu hwemari.
Kuchinja KwemaPortfolio Yako
Kudzokorora kwemahofisi ehurumende yemari ndeyechiito chekudzorera yako ikozvino mari yekugoverwa kudzokera kumashure ekubhadharwa kwekutsvaga.
Nokudaro re-balancing ichada kutenga nekutengesa uye / kana kutengesa zvikamu zvevamwe kana kuti zvose zvekubhadhara mari yako kuti uunze kugoverwa kwezvikamu zvakare kumashure. Somuenzaniso, kana hupfumi hwako hune 4 mutual funds, hwakagoverwa 25% imwe neimwe, iwe unogona kuisa kutenga yakakodzera uye kutengesa mishonga kuti udzoke kune izvo zvakagoverwa panguva yakarongwa, nguva nenguva. Mumashoko akasiyana, kudzokerazve kuenzanisa chinhu chakakosha kugadzirisa kwekugadzira chikwereti chemazana emari, sezvinongochinja mafuta kana kutora-up ndezvekuchengetedza kwemotokari yako. Mune zvimwe zviitiko, unogona kukwanisa kuisa "automatic" re-balance. Chero nzira, unofanira kuita izvi kamwe kamwe pagore. Zvakawanda kupfuura izvi hazvisi zvechokwadi zvakakosha. Ingotora zuva, rakadai sezuva rako rekuberekwa kana Zuva reMutsva Idzva kana chimwe chinhu chisingakanganwiki uye chidzokororazve!
Shandisa Rimwe reMhando Yakanakisisa Yakasvikako Mienzaniso
Chimwe chimiro chinonyangadza chekunyora mapurisa ndechechitatu yezvikwama zvekuchengetedza mari uye mari yeVanguard . Pane nzira imwechete yekupa iyo mitatu mari asi pano ndiyo imwe nzira yekuita nayo:
40% Vanguard Total Stock Market Index Fund
30% Vanguard Total International Index Index Fund
30% Vanguard Total Bond Market Index Fund
Mumuenzaniso uyu, mutyairi anogona kushandisa imwe mutual fund kambani, Vanguard Investments , iyo ine sarudzo yakawanda ye-load-index index, asi uchishandisa mari inopa huwandu hwakasiyana-siyana mumisika yakasiyana-siyana yemakethe (huru-cap, mid-cap, cap), kubudiswa kwenyika yose (kumisika yeUnited States uye kune dzimwe nyika) uye yakawanda yehutengi hwemashamba emisika.
Wakasvibiswa Chikamu Chokusarudza: Shandisai Rimwe Mutual Fund
Panzvimbo pokugadzira mapepa ako emapenzi, unogona kusarudza nzvimbo yepamusoro yepamusoro-ye -fund portfolio ! Iwe unogona kushandisa mari yakaenzana , iyo inowanzove yakatarwa uye yakagadzirirwa kugovana kwematokisi, zvisungo nemari. Semuenzaniso, mari yakawanda yakaenzana inokonzera kusinganisa kwemasendi makumi matanhatu, 30% zvisungo uye 10% mari. Vamwe vanonyanyisa kana kuti vanonyanya kuchenjera.
Imwe yega-yekusarudza mari ndeyokushandisa chinangwa-date fund , iyo mari inoshandiswa kune rimwe zuva panguva. Iyi mari inowanikwa muna 401 (k) zvirongwa uye inogona kushandiswa mune imwe nzira yekushandisa mari. Kana uri kuisa mari yekurasikirwa, iwe unogona kufunga imwe yevanguard yekutsvaga mari yekubhadhara mari. Somuenzaniso, mumwe munhu anoronga kupedza basa kana kuti pedyo negore ra2030, angashandisa Vanguard Target Retirement 2030 (VTHRX). Sezvo gore rinotora basa rekurega basa rinoswededza pedyo, mutungamiri wezvikwata uchaderera zvishoma nezvishoma kugoverwa kwemari uye kuwedzerwa hutano uye mari inopiwa (kubva kuchisimba kusvika pakuenzanisa kusvika pakuchengetedza) munguva.
Mutengi ngaachenjere: Target-Date Funds ndiyo yepamusoro "yakasvibiswa chikwereti" asi hapana humwe hukuru-hwakafanana-mari yose. Semuenzaniso, mutengesi anonyatsochengetedza angasave akasununguka nechinangwa-zuva chekugoverwa mari kana kugoverwa kwakanyanya kune hutsinye nokuda kwekunetseka kweruzhinji . Saka iwe unogona kuita chikamu chiduku chekuchikoro usati waita mari nekutsvaga kugoverwa kwemafaji ezvidzidzo-date fund.
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.