The Best Portfolio Structure & Design
Kuvaka purogiramu yakanakisisa yemari yemari inofanirwa kuenderera mberi kune mazano ekuchenjera, "Usaisa mazai ako ose muhomwe imwechete:" Chimiro chinogona kumira nguva yekutsvaga chinoda kugadzirwa kwemazano, nheyo yakasimba uye kushamwaridzana nyore yemari pamwe chete inoshanda zvakanaka nekuda kwezvaunoda.
Shandisa Core uye Satellite Portfolio Design
Usati wavaka usati watanga, iwe unoda chimiro chekutanga-chinyorwa-chekutevera. Chinhu chinowanzoonekwa uye chinowanikwa nguva inonzi portfolio chinonzi Core uye Satellite . Ichi chimiro chinongonzwika: Iwe unotanga ne "core" -iyo huru-yehomwe mari-iyo inomiririra chikamu chikuru chepodfolio yako uye inovaka kumativi ose ne "satellite" mari, iyo imwe neimwe inomiririra zvikamu zviduku zve yako portfolio.
Shandisa Mhando dzakasiyana dzeFund Zvikamu zveKurongwa
Uine chekuita mari yakawanda seyoko yako, zvinyorwa zvakasiyana-siyana zvemari- "satellites" -kuzadzisa sangano re mutual fund yako . Aya mamwe mari anogona kuisa pakati pe-cap stock , shoma-cap stock , kunze kwenyika, kusagadzikana mari (bond), mari yezvikamu nemari yemari yemari.
Ziva Ngozi Dzako Rokutsungirira
Usati wasarudza mari yako, iwe unofanirwa kuva nepfungwa yakanaka yehuwandu hwemungozi iwe unogona kuzvitsungirira. Kushingirira kwako kune ngozi kune chiyero chekuchinja kwehuwandu (aka kusagadzikana-ups uye pasi) kana njodzi yemusika waunogona kuita.
Semuenzaniso, kana iwe uchinetseka zvikuru apo $ 10 000 yekodha yemari yako inowira ne 10% (kusvika $ 9,000) mugore rimwe chete, kukundwa kwako kwengozi kwakanyanya-iwe haugoni kushivirira zvikwereti zvakanyanya .
Sarudza Nhaka Yenyu Yakapiwa
Kana uchinge waona huwandu hwako hwekutsungirira kwengozi , iwe unogona kusarudza yako kugoverwa kwemari , iyo inosanganiswa yezviwanikwa zvekutsvaga- zvikwereti, zvisungo, uye mari-iyo inosanganisira chikwereti chako.
Nzvimbo yakakodzera yekugoverwa icharatidza kuti iwe unotarisana nehutano hwakadini, hunogona kurondedzerwa sehutsinye (hukama hwekukwirira huri panjodzi), kuenzanisa (kukurumidza kutarisana nehutano) kana kuchengetedza (kukurumidza kushivirira). Iyo inowedzera kukurira kwako kwengozi yezvikwata zvakawanda zvaunenge uine nazvo maererano nezvisungo nemari mune chikwereti chako; uye yakaderera kukundwa kwako kwengozi, kuderera kwako kuwandisa kwematanda maererano nezvisungo nemari.
Dzidza Sei Kusarudza Mari Yakanakisisa?
Iye zvino zvaunoziva pfuma yako yekugovera , zvose zvinoramba zviri kusarudza mari yakanakisisa iwe. Kana iwe uine sarudzo yakawanda yekutengeserana kwemari iwe unotanga nekushandisa mari yekugadzirisa kana iwe unogona kungofananidza kushanda nechinangwa. Iwe unoda zvakare kuongorora unhu hwakakosha hwekutengeserana kwemari , yakadai sekubhadhara mari uye mari uye mutevedzeri wemari .
Mamwe mazano mazhinji uye mazano ekugadzira chikamu cheMutual Funds
Kana iwe uri wekutanga, iwe ungasava nemari yekuwana huwandu hwekutanga huwandu hwekutsvaga mari , iyo inowanzo inopfuura $ 1 000 pamutengo wekutengeserana. Kana iwe uchikwanisa chete kugadzirisa zvishoma pachikwama chimwe chete, tanga ne "core," yakadai sedhibhasi huru-cap Index Index fund , kana kuti mari yakarongeka . Kana ukangotenga mari yekutanga yepodfolio yako, unogona kuchengetedza mari kune rumwe rutivi kuti utenge chikwereti chako chinotevera uye unoramba uchivaka chikwereti chako pane imwe nguva panguva.
Imwe nzira yekare yekugoverwa kwemari "yakasimudza mari yako," apo makore ako ndiyo nhamba yezvisungo muhutorikoti yako. Semuenzaniso, kana iwe uri nemakore makumi mana, nhumbi yako yekugovera inenge iine 40% zvisungo uye 60% mashizha. Nhasi, vanhu vari kurarama kwenguva yakareba kuitira kuti iyo yefa inopa sarudzo isiri yakakodzera sezvaimbove iyo.
Izvozvi ruzivo rwepaiti ino inopa mazano ekukurukurirana chete, uye haafaniri kusanganisirwa sekupa mazano ekutsvaga mari. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.