Chikonzero Nei Waigona Kuziva Nenzira yeChete Loss
Chimwe chikonzero iwe ungafunga nezvechinangwa chokuona kukanganisa kwekuda kwaizove kana iwe uri kutengesa mari yakawanda inowanikwa mugore rimwe chete rekutere.
Ngatiti iwe wakatengesa chimedu cheimba, bhizinesi, kana mutengo wekugadzirisa mari kana chikwata chine pfuma huru.
Iwe unogona kukwanisazve kugadzirisa mamwe masimba ekutsvaga iwe unawo nechinangwa chekuita kurasikirwa kuti usagadzire kuwana mari yako. Izvi zvinonyanya kushanda pamwe chete nemari pamwe chete uye mari inoshandiswa-kutengesa mari. Nekutengeserana kwemari, kuburikidza nekutsinhanisa mari imwe kune imwe, unogona kuona kurasikirwa kukuru kwezvikonzero zvemitero kunze kwekuti zvinosanganisira kukanganisa kwemazuva akawanda. Heano muenzaniso wekuti izvi zvinoshanda sei:
- Funga kuti une Vanguard S & P 500 Index fund. Wakatenga iyo ye $ 100,000 pakutanga kwegore. Misika yakaburuka, uye ikozvino inokosha $ 70,000. Iwe unoziva pakufamba kwenguva misika ichadzoka, saka haudi kutengesa iyo kurasikirwa, asi unoda kukwanisa kushandisa kurasikirwa kwezvinangwa zvemitero.
- Panzvimbo pokutengesa mari yako uye kuenda kune mari kana kuenda kune imwe nzira yekutsinhanisa, iwe unotengesa uye uchitenga homwe inenge iine maitiro akafanana; iyo Fidelity Spartan S & P 500 Index fund, somuenzaniso. Mari mbiri idzi dzine zvinhu zvakafanana: zvose zvese zvakanyorwa muS & P 500 Index. Iye zvino, apo mutengesi unodzoka, nzvimbo yako yeporofiti ichadzoka.
- Sezvo iwe wakashandura kune imwe nzvimbo yekutsvaga, iyo $ 30,000 kurasikirwa ichaonekwa sekurasikirwa kwakakwana uye iwe uchaiudza iyo pamutero wako wekudzokera.
- Kurasikirwa kunogona kushandiswa kukanganisa mamwe mari yaunowana iwe unogona kuva nawo. $ 3,000 yekurasikirwa kunogona kuderedzwa pamusana pemari inowanikwa. Iwe unogona kuisa carryover chero kurasikirwa kuripo kune gore rinouya rekutere.
Iri sarudzo rinoshanda zvakanaka pamwe chete nemari, kana mari inoshandiswa pakutsinhanisa, sezvo zviri nyore kuwana mari yakawanda ine zvikamu zvakafanana. Nenzira iyi yekutsinhanisa, iwe unogona kutora kurasikirwa kwemutero apo uchigara uine mari mune zvaunoda kuti uwane mari.
Inowanzobhadhara mitero yepamusoro yakakwirira kudarika mutengo mukuru wemitero inowanikwa . Kune mumwe munhu ari mu 33% mutero wekubhadhara, aine $ 3,000 okurasikirwa kwemari inogona kuderedzwa pamusana pemari inowanikwa inozovadzivirira imwe $ 390 pagore (yakatarwa nokutora mutsauko pakati pe 33% yemutero wekutambira uye 20% mutero weroyo uye ichiwedzera ne $ 3,000). Kune vamwe vateresi inogona kuchengetedza zvimwe. Apo iyo sarudzo inoshandiswa nguva dzose inogona kuwedzera kusvika kune zviuru zvezvikwereti mubhadharo pamutero wehupenyu hwemari.
Kurasikirwa Kwemari Nezvivako Zvimwe
Nezvikwata zvega, iyi sarudzo haishande nenzira imwecheteyo. Kunyangwe iwe unogona kutengesa zvinhu zvako zviriko, uye unoona kurasikirwa, haugone kuchinja zviri nyore nechikafu chakafanana icho chaizotarisirwa kuitwa nenzira imwecheteyo. Iwe unogona kuuya pedyo nekutenga sengo mumabhizimisi mamwechete, asi kambani-zvimwe zvinhu zvinogona kutungamirira chikwata chimwe kuita zvakasiyana zvakasiyana nezvimwe.
Kana uchitengesa zvikwereti kuti uwane kurasikirwa kukuru kwezvinangwa zvemutero, iva nechokwadi chokuti uri kutengesa mari yezviratidzo zvakasiyana-siyana. Kana iwe uchitengesa uye utenga kuchengeteka kumwe chete mukati memazuva makumi matatu, mutemo wokutengesa kushamba unogona kushanda uye kurasikirwa kwako kwemutero kunogona kubvumidzwa.
Mutemo wekutengesa kushamba haushandi kana iwe uchitengesa uye utenga mari pamwe chete nezviratidzo zvakasiyana-siyana, kunyange kana mari mbiri dziine imwechete yezvivimbiso.