Kuisa mari mune Mutual Funds Kunogona Kubatsira Kwauri
Kune humwe huzhinji hwehutano hwekudzidzira asi hupenyu hunofadza huri nyore kupfuura kunyora urongwa hwezvakanaka!
Nezvo zvakataurwa, uye pasina urongwa humwe, apa pane zvikomborero zvitanhatu zvekutsvaga mari mune mutual funds.
1. Kupinza mu Mutual Funds Kunyoresa
Kuisa pamwe mapurisa ematokisi uye zvisungo zvinogona kuva zvakaoma, kana zvisingaiti, kune vashandi vanogarisa. Semuenzaniso, nguva uye ruzivo runodiwa kuti uongorore uye uongorore gumi nevaviri kana zvikwata zvinogona kunge zvakaoma kune vanhu vakawanda. Izvo hazvirevi matanho ose anodiwa pakuvaka chikwereti, pamwe chete nekutsvakurudza nekuenderera mberi kunodiwa kuchengetedza chikwereti. Asi kana zvasvika pakuisa mari mune mutual funds, vatengesi vanogona kutanga kutanga kuisa mari pamwe chete chete mutual fund .
Kana wakaziva chinangwa chako chekutsvaga mari, icho chichabatanidza nhamba yemakore yekuisa mari uye ingozi yakawanda yaunoda kutora, unogona kusarudza yakanakisisa mutual fund kana mari yako. Uye zvichienderana nemhando dzekubhadhara mari yaunoshandisa, chirongwa chinoramba chichidiwa chinogona kunge chisina maturo.
2. Mutual Funds Ipai Professional Management
Chimwe chezvikonzero zvinokonzera kukosha mutual funds zviri nyore ndechokuti vakanyatsogadziriswa. Panzvimbo pokutsvakurudza, kuongorora, kutenga uye kutengesa mashizha kana kusungirwa iwe pachako, iwe une nyanzvi yemari meneja unozviitira iwe. Unyanzvi hwehutungamiri hunonyanya kukosha kwekuti mari yekubatana inoshanda sei: Apo vashandi vanotenga zvikamu zvekutengeserana kwemari, vari kuunganidza mari yavo pamwechete.
Vatungamiri vanoshandisa iri dziva remari kutenga zvigadzirwa kana zvigadziro zvezvisungo zvinopedzisira zvichigadzira imwe mbiri.
Funga nezvekubhadhara mari semabhasikoro ekuchengetedza zvikwereti. Dengu rimwe nerimwe rine chinangwa chake uye maneja (kana boka revatariri). Mutungamiri anewo boka revatsvakurudzi vanobatsira mukuita tsvakurudzo. Uyewo chengetedza mupfungwa kuti, kana zvasvika kune vatungamiri, mari inobatana inowira muzvikamu zviviri zvakakosha - imwe inoshandiswa nekugadzirisa uye imwe inoshandiswa kutarisira .
Vatungamiri vemari inoshandiswa zvine simba vachashandisa nhumbi dzavo kuedza uye "kurova pamusika," kureva kuti vachaedza kupfuudza chimwe chimiro, seS & P 500 index . Zvisinei, mutungamiri wehurumende yekutengeserana kwete passively haazoedzi kurova index asi panzvimbo pacho achatenga uye anobata tswanda yematokari ayo achadzokorora kubata uye kushanda kwekanyorwa.
3. Mutual Funds Are Diversified Investments
Mamiriro ehurumende pamwe chete nemari inoshandiswa mari inoshandiswa zvakanaka zvinoreva kuti vashandi vanowanzoita nyore nyore chimwe chezvinhu zvakakosha zvekutsvaga kwekutsvaga - kusiyanisa. Kusiyana-siyana kunoreva kuparadzira misika yemisika kuburikidza nekubata zvakasiyana-siyana zvezvivimbiso zvakasiyana, pane zvishoma chete.
Yakawanda mari inobhadharwa inowanikwa mumakumi evanhu kana mazana ematokari kana kusungirwa mukati meimwe purofiti.
Zvichienderana nerudzi rwemari, izvi zvinoita zvakakosha zvekusiyana-siyana uye zvishoma kana imwechete kana maviri mari. Zvisinei, apo kuvaka chikwata chemazana emari , kunyanya sezviwanikwa zvekutsvaga mari uye zvinangwa zvinowedzera kuoma kwenguva yakareba, vashandi vanowedzera kuyananisa kune dzimwe mari zhinji mumapoka akasiyana.
Chikonzero chinoita kuti kusiyana-siyana kukosha ndechokuti kuisa mari mune imwe chete kana maviri zvingachengetedza zvingave zvisina ngozi. Semuenzaniso, kana mutengi achitenga zvishomanana zvishomanana uye zvikwata izvi kuona kuora kukuru mumutengo kwechinguva chiduku, chikwereti chemuwemari inogona kudonha zvinoshamisa. Asi kana mutengi achitenga chikwereti chakachengetedza mashizha zana, uye mashomanana ematokari iwayo anoona kuderera kwekutengesa, zvinokonzerwa nehuwandu hwekambani yehutori zvishoma.
4. Mari Inoshandiswa Kwekutsvaga Mari Inotapukira kuMutual Funds
Vashandi vanowanzosaona zvinhu zvakawanda zvekuvaka nekugadzirisa chikwereti, uye iyo yakaipa zvikuru yezvinhu izvo zvisingatarisirwi zvinowanzobva kune mari. Zvichienderana nekambani yezvekutengeserana kana yekambani yekutsinhanisa, vatengesi vanogona kubhadhara makomisheni ekutenga kamwechete kana kutengeswa kwezvivimbiso chimwe chete, zvakadai sematokisi. Izvi zvinogona kuwedzera kusvika kumazana emadhora pagore, pamabhuku, zvichienderana nehuwandu uye hukuru hwemashizha.
Kunyange zvakadaro mari inobatana inogona kunge isingadhuri. A mutual fund manager achaisa mabasa ose anodiwa kuti agadzirise mutual fundfolio asi mutengesi anogona kungova nemhosva yebhadharo shoma. Asi kana vashandi vasingachenjeri, kuisa mari mumutengo wemari kunogona kudhura kupfuura kunotenga zvigadziro zvemari. Kuti kuchengetedza mari shoma, mutual fund vatengesi vakachenjera kutenga chero-mutoro wekubhadhara mari nemari yakaderera mari . Mariki inogonawo kuderedzwa nekushambadzira neimwe yemakambani asinganakidzi-mutoro mutual fund semakambani anonzi Vanguard, Fidelity kana T. Rowe Price, ose ayo ane kusarudzwa kwakasiyana-siyana kwemafambisi asingabhadhari nemari yakaderera mari.
5. Vashandi Vanokwanisa Kutenga Mitauro Yakasiyana-siyana yeMutual Funds
Zvinangwa zvekutsvaga kwekutsvaga ndezvimwe chete kune varairi vese, izvo zvinoreva kuti pane zvikonzero zvakawanda zvakasiyana zvekutenga mari pamwe chete. Nenzira yakanaka, kune zvikamu zvakasiyana zvemari zvinogona kutevera chero zvido zvekutsvaga. Zvimwe zvezvinangwa zvekutsvaga zvakanyanya zvinosanganisira kubhadhara mari uye dzidzo, imwe neimwe inogona kushandisa mari yakasiyana kuti iite zvinodiwa nemurimairi.
Mari inoshandiswa pakubhadharwa mari ndeyemienzaniso yakanaka yebhadhari, mari yakasiyana-siyana yakagadzirirwa kusangana nenguva dzakasiyana-siyana. Ichi chikamu chemari chichasara mune imwe mari inobatanidza iyo inobatanidza kuva yakakodzera kune imwe nguva yezera remari. Mari inotora mari yekurasikirwa inotarirwa nemakumi gumi. Semuenzaniso, mutyairi wemakore makumi maviri nemashanu anokwanisa kutarisira kubhadhara makore 35 kusvika ku45. Saka chikwereti chakafanana neVanguard Target Retirement 2050 (VFIFX) chinogona kushanda zvakanaka mu 401 (k) kana IRA kune uyu mutengesi.
Kurega basa kunowanzoonekwa sechinangwa chekutsvaga kwenguva refu. Asi kune mutual fund types, zvakadai semari yemari yemari kana bhadha mari , iyo yakakodzera nguva yakawanda yezvinodiwa. Vashandi vanogonawo kusanganisira mhando dzemari kuti iite zvinangwa zvekutsvaga mari.
6. Mutual Funds Inonzwisisika Inokwanisika Kushandiswa Neiyo Mhando dzeVarimi
Zvose zvinobatsira zvemari pamwe chete zvinotaurwa munyaya ino zvinosanganisira imwe nzira yekubvumirana. Izvo zviri nyore kuti zvinyatsonzwisiswe uye zvinoshandiswa nevatangidzi asi zvakanyanyisa zvakakwana kuti zvishandiswe nevadzidzisi vemari vadzidzisi, avo vanowanzovashandisa kuvaka zvikwereti zvevatengi.
Mutevedzeri wokutanga angatenga yekutanga mutual fund kuti atange kuponesa kubhadhara, asi guru rekutsvaga rekutsvaga ringashandisa imwechete mutual fund mune imwe nzvimbo yemari yevashandi vakuru, zvakadai semutengi wevatendi vane ruzivo kana mari yekupa mari inoshandiswa nehukuru yunivhesiti kana sangano risina purofiti.
Hapana mubvunzo kuti mari yomubatanidzwa iri pano kuti igare kwemakore akawanda uye makumi emakore ari kuuya. Nemamiriyoni emadhora akaiswa mari pamwe chete muUnited States chete, uye mukurumbira kuwedzera mumakambani anotanga kufanana neIndia, hapana chikonzero chekutarisira izvi zvinodhaka zvekutsvaga mari zvingaita chero kunze kwekuwana mukuzivikanwa munguva yemberi.
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.