Nzira Yokukudziridza Nayo Mafambisi Ako Okudzoka
Ita Higher Mutual Fund Inodzorera Nokuchengeta Mari Dzakaderera
Iwe haugoni kudzora pamusika wekutengeswa, asi iwe unogona kusimbisa kudzokera kwekugadzirisa mari yako nekuderedza mari yako. Funga pamusoro peizvi sezvamunoda imba yenyu. Iwe haugone kuzvipa mukumanikidzwa mubhadharo, asi iwe unogona kuita chimwe chinhu chingava nemigumisiro yakaenzana: Chengetedza mari yako yakaoma-yakawanda nekushandisa zvishoma.
Chinhu chokutanga chaunogona kuita kuti uchengetedze mari shoma ndeyekutenga mari-yekutakura nemari yakaderera mari . Hapana-mutoro wemari hauna mari yekutengesa inogona kuuya nenzira yepamberi mutoro - iwe unowanzobhadhara zvinopfuura 5 kubva muzana zvekutenga - kana kutsiva uko paunobhadhara mutero paunotengesa mari.
Mari dzinodhura ndiyo mari yausingaoni zvakajeka. Izvi ndezvokubhadhara izvo zvinoenda kune kubhadhara mari yekushanda yehurumende yekutengeserana. Somuenzaniso, kana mutual fund yako inobhadhara zvakakwana zve 10 muzana mugore rimwe chete uye chikamu chemari yefigiro iri 1.5 muzana, kudzoka kwako chaiyo kuchava 8.5 muzana.
Iye zvino chimbofungidzira kuti wakatenga mari yakafanana nehomwe yebhadharo yezvikamu zvinenge 0.5 chete. Zvawakanyatsodzoka zvakare mumuenzaniso uyu uri nyore zvaizova 9,5 muzana. Izvozvo zvikamu zvemazana zvakasiyana zvinowedzera pamusoro penguva. Ita tsvakurudzo shoma kuti udzidze nzira yekuwana mari inodhura uye uchengetedze mari yako yakaoma-yakawana.
Dzimwe nzira dzokuchengetedza mari pasi nemari yekutengeserana inoramba ichiitengesa kune zvishoma, kana kutenga mari pasina mari yekubhadhara. Vakawanda vanobvisa vatengesi uye makambani ekubhadhara mari vanopa misha yekutakura nemari inodhura, asi izvi hazvirevi kuti pane zvimwe zvingaita zvinogona kuwedzera kusvika kuhomwe mari. Imwe yezvikwereti zvakadaro ndeyebhadharo yekutengesa, kazhinji inotendesa $ 10 pamabhizimisi. Kana uri kuisa mamiriyoni emabasa pamwedzi, mari iyi inogona kuwedzera. Nzira yekutenga-uye-kubata kwekutsvaga mari hakusi kungoita kuti kutengesa kwako kuderedze asi iwe unodzivirirawo zvizhinji zvezvikanganiso zvinokanganisa vatengi vanoita apo pavanoedza "kurova pamusika," izvo zvinowanzoita kuti vadzoke pasi.
Ita Higher Mutual Fund Portfolio Kudzorera kuburikidza nekuwedzera kujekesa kune zvikwereti
Imwe yekutanga matanho ekutora paunenge uchivaka chikwereti chemari yekutengeserana mari ndeyekusarudza kugoverwa kwemari yako , kusanganiswa kwezvinhu zvitatu zvakasiyana-siyana-zvikwata, zvisungo nemari - izvo zvichaita chikoro chako. Nhamba yepamusoro yehutano yemari inogona kuve nekugoverwa kwemari inenge inenge 65 muzana mashomanana, 30 muzana zvisungo, ne5 muzana mari, asi kana muridzi wekutsvaga achida kuvandudza kushanda kwehupfumiroti uye anoda kutora mari yakawanda, anogona sarudza kuita sarudzo yekugoverwa kune utsinye.
Aigona kuwedzera kuisa pangozi. Iko kuenzaniswa kwepodhiyo inogona kuchinjwa kusvika ku80 muzana mashomanana uye 20 muzana zvisungo. Izvi zvingafungidzirwa sechinhu chinotyisa-zvechisimba chekugovana. Kana iwe usina chokwadi kana kuwedzera uku mune mari yekutengesa chinhu chakanaka, unogona kushandisa mubvunzo wekutsungirira kwekuchengetedza ngozi kuti uone kuti kugoverwa kwemari kwakakodzera kwauri.
Kuvandudza MaPorfolio Performance nekutsvaga muAggressive Growth Mutual Funds
Kana iwe uchisimudza mune hutsinye hukuru hwekuwedzera mari , iwe unogona kukwanisa kudzoka zvakakwirira kudarika mazai makuru emisika, zvakadai seS & P 500 Index. Kurwisana kwakawanda kwekutsvaga mari yekutengeserana kwemari kune izwi rokuti "kukura kwechisimba," "kuonga kukuru," "mukana mukuru" kana "kuenzaniswa kwehutano" mukati mezita remari. Kungofanana nekuwedzera kukuratidzira kwako kumari yemari, zvisinei, kushandisa kukura kwechisimba mari yemari kunogona kukonzerwa nekudzoka kwenguva refu kwemashamba emitengo asi iwe unofanirwa kunge uchida kutora mimwe yemari yemari.
Izvi zvinoreva nguva dzekusagadzikana (ups uye pasi) mukukosha kwemari yako.
Wana Kudzoka Kwepamusoro NeMari Chikwereti
Imwe nzira yekurova pamusika ndeyokuwana mikana yakanakisisa iyo inogona kuparadzanisa mumusika wekutengeswa. Sezvaunogona kufungidzira, hapana imwe nzira yekuita izvi, asi masangano mashomanana akawanzoshandura mazai makuru emisika uye anogona kuenderera mberi kubuda kunze kwemakore anotevera. Mienzaniso yezvokutanga mashizha emabhizimisi anosanganisira teknolojia, hutano hwehutano, vatengi vezvokudya, vatengi vemabhiza, mabhizimusi, uye mari.
Teknolojia ndiyo imwe nzira inogona kuparadzanisa mamwe mamiriro mumakore nemakumi emakumi adarika. Pfuma uye mabhizimusi kumativi ese enyika zvakabatana nemichina, zvakadai sevashambadziri vanobudisa computer hardware, kombiyuta software kana magetsi. Ivo vanobatanidzwawo nehutano hwebasa rekambani makambani, akadai seaya anopa teknolojia yekudzidzira uye kushandiswa kwemashizha kwebhizimisi. Mamwe mienzaniso yekambanikiti makambani anosanganisira Apple, Microsoft, Google, uye Facebook.
Chimwe chikamu chinogona kukura nekukurumidza kudarika nharaunda ndiyo hutano hwehutano. Nevanhu vakwegura uye kufambira mberi nokukurumidza mu biotechnology, indasitiri yehutano ichokwadi kuti inokura mumakore nemakumi emakore ari mberi. Apo mamwe maindasitiri ari kuita zvisina kunaka nekuda kwemamiriro emamiriro ehupfumi asina kunaka, indasitiri yehutano inogona kuramba ichiita zvakanaka nokuti vanhu vachiri kudikanwa kuona chiremba uye kutenga mishonga yavo pasinei nemamiriro ehupfumi. Sangano rehutano hwehutano rinoonekwa sechikonzero chekuchengetedza nekuda kwechikonzero ichi.
Nzira Yakanakisisa Yokuwana Kudzoka Kwepamusoro paMutual Funds
Iyo imwe chete yakakura yekugadzirisa iyo vatengi vanogona kuva nayo pamusoro pekuwedzera kwepodfolio yavo iri kupa mari yakawanda. Iwe haugoni kudzora hupfumi. Iwe haugoni kudzora pamusika. Uye iwe haugoni kutarisa kuti mari yako inotanga sei. Asi pane musiyano pakati pekudzoka kwemari yekutsvaga uye kudzoka kwekutsvaga.
Somuenzaniso, kana iwe uchitenga chikwereti chakabatana ne5% muzana yekudzoka pamusoro pemakore matatu, iwe ungasave unofadza zvikuru nekudzoka ikoko. Iye zvino ngatitii muvhareji anobva kune 10 kubva muzana anodzoka mugore rekutanga, 10 kubva muzana anodzoka mugore repiri, uye 5 muzana anodzoka mugore rechitatu. Wakawandisa kudzokera kunekutsvaga kwaizove kwakakwirira kudarika mutsara wemakore matatu we5 muzana kana iwe waizotenga zvimwe zvikamu mukati megore chikwata chakaramba ne10 muzana. Iwe unoshambadzira kudzoka kwako kwakakwirira nokuti wakatenga mamwe maitiro pamutengo wakaderera. Izvi zvinorondedzera pfungwa yekuisa mari yekutanga uye sarudzo inonzi dollar-mari inoshandiswa , kana DCA kwenguva pfupi.
Mhedziso yakafanana ndeyokugara uchidzokorora podfolio yako. Izvi zvinoreva kutenga mimwe mitsara yemari yemari inenge yanyura mukukosha uye kutengesa zvikamu zvemari yakawedzera muhutano. Somuenzaniso, iwe unogona kuva nemari mishanu yemari imwe neimwe ine 20 muzana inopiwa, uye gore gare gare mari inoshandiswa inoshanduka uye kugoverwa kwezvikamu kune 15 muzana pamari mbiri, 25 muzana pamari mbiri, uye chikamu chechishanu chakaramba chiri 20 muzana . Iwe unogona kutengesa zvikamu kubva kune vanowona uye kutenga kune vakarasika. Iyi ndiyo "kutenga shoma kutengesa yakakwirira" asi nenzira inotarisirwa. Iko purogiramu yakanaka ya DCA kamwechete pagore.
Mukupfupisa, nzira dzakanakisisa dzekuwana mari yakakwirira pamwe chete nemari ndeyaya iri mukati mekutonga kwako. Iko kukanganisa kuedza uye nguva yakakwana yemusika kana kufunga kuti iwe uchasarudza zvakanakisisa mutual funds nguva dzose. Pane kudaro, chengeta zvinhu zviri nyore.