Kunzwisisa Kuti Sei Vafumi Vanotarisira Kuda Nhaurirano Yakatarisana Nega
Zvechokwadi, makambani anoisa muganhu wakakwirira kwazvo ne $ 1 000,000 kusvika ku $ 10 000 000 kwete kunyanya kushamisa.
Chii chinyorwa chakanyatsochengetwa? Sei dzimwe makambani ekugadzirisa masimba achizvipa ? Ndezvipi zvinobatsira uye nei vanhu vakawanda zvakadaro mune zvehupfumi vekirasi vane imwe? Izvozvi mibvunzo mikuru. Ndaifunga kuti ingangodaro nguva yakanaka yekugara pasi nekutsanangura idzi zvigadzirwa zvekutsvaga kwekutsvaga sezvavanenge vachingofunga mupfungwa dzangu munguva pfupi nekuuya kwekutsvaga kwehofisi yangu yemhuri uye yepasi rose yekusimudzira firm.
Maitiro Ayo Akachengetwa Nayo Akaga Aga Mabasa
Zvichida nzira inonyoresa yokunzwisisa nhoroondo yakagadzirirwa iwe pachaga kana iwe usingazivi nezvechikonzero ndechokufunga nezvekuti mutual fund yakagadzirwa sei . Iwe unotenga zvikamu, kambani kana kuvimba (iyo fund pachayo) inotora iyo mari uye maneja wemapatotiyo akashandiswa nebhodhi revatungamiri kana vatrusti, zvichienderana nezvakataurwa, uye inopa iyo mari maererano nehurumende yehurumende.
Kunyangwe iyo mvumo iri kutenga chipukisi chebhuruu , muEurope, kana kutevera mitemo yekambani yematengesi eyoyo S & P 500 . Mutungamiri wepotoresi anokweretwa mari yekuchengetedza, muchengeti anotora (kanowanzoenzaniswa nechechidiki) mari, uye iwe unogona kubudirira zvakasiyana-siyana pasina nguva yakawanda kana simba.
Iri urongwa hwakajeka hunobatsira zvikuru iyo iyo mari inowanikwa kune vanogoverana navo, asi kune zvimwe zvakaderera. Izvo zvinoshamisa zvakanaka iwe hauzombofi wakawana maneja wemapatoti; iwe unogona kunge usingazivi zita rake kana kuti chii chaanoita. Ipapotigora haigoni kuenzaniswa nezvinodiwa zvako zvakasiyana kana mamiriro emitero. Pasi pemamiriro ezvinhu akaoma, iwe unogona kuguma uchinge uchinge uchinge uchitengesa nemutero mukuru wemitero kunyange iwe wakarasikirwa nemari muhomwe . Iwe unofanirwa kunetseka nezvenzira yekuenzanisa iri kuchinjwa zvakajeka kwauri (mumaonero angu) kukuvadza. Iwe unogona kunge unofungidzira zvinenge hafu yezvimwe zvinopesana.
Nekambani yakagadzirirwa pane imwe neimwe, nyaya idzi dzinogona kugadziriswa. Panzvimbo yekutenga muchikwata chekuchengetedza mari kana kuti chikamu chemari , unozarura kambani yekuchengetedza pasi kune rimwe bhadha rebhanki kana mutengesi-mutengesi akanyorwa. Iwe zvino unyoresa kambani yekupa mazano nekambani yemugoveri weGeneti Invested Investment Advisor directly. Zvinyorwa zvekontrakta zvichabva pane zvinhu zvakawanda - vazhinji vachabhadhara mari chaiyo yegore rose, iyo inogona kusungirirwa kana yakadzika, inodhura kana isingadhuri, inopomerwa mberi kana kutongerwa mubhadharo. Vamwe vanogona kubvumirana nekugadzirisa maitiro ekugadzirisa (iyo inozivikanwawo se "fulcrum fees").
Imari yekubhadharisa ndiyo inowanikwa nehuwandu hwebatsiro (imwe sarudzo inongowanikwa chete nekuraira kwe SEC kana iwe, mubhadhadziro, kupfuudza matambudziko akawanda, kusanganisira kudyidzana kwema $ 1 000 000 pamwe nemudzidzisi chaiyo kana kuti mari inokosha ye $ 2,000,000 kusina yako kumba).
Sezvo chikamu chebvumirano yemakambani ekupa mazano, iwe unopa mutungamiri wemapatotikoti simba rekuona kodzero pamusoro penyaya yekuchengetedza. Izvozvo, iye, iye, kana ivo (kana pane imwe nguva iyo iri komiti yevanhu vashomanana) vanopiwa simba rokutengeserana. Izvo simba rinosanganisira kukwanisa kuunganidza nzvimbo yepamusoro yematokisi , zvisungo , kana zvimwe zvivimbiso zvepurogiramu yako yepodfolio uye hurongwa hwekutsvaga mari inogona kunge yakanyorwa panguva yekutanga kwehukama. Iwe unofamba nehupenyu hwako, sezvaunoda nehurumende yekutengeserana, muzviitiko zvakawanda usingatombooni maitiro kusvikira watora chirevo chako.
Apo mashoko aya achisvika, hauzooni "XYZ Fund," unoona kubata kwepfungwa. Chifukidziro pakati pako nematokisi ega - uye usambokanganwa kuti mari yakafanana yemari pamwe chete inosanganisira mari yekuenzanisa inoshandiswa nemashamba ega ega sezvo mari yacho pachayo iri sangano repamutemo, kwete rekutsvaga. Hapana chimwe chinhu chakadai sekuti "Handisi pachedu pachedu," inongova nyaya yerokuti nzira inoshandiswa pakusarudza matanda aya - yakabviswa. Iwe unoona pasi pehuodhi kusvika kune zvakashata zvezvehupfumi.
Kusarudza Mvumo yeAkaunti Yako Yakatarirwa Nega
Simba rekutsvaga mari yekambani yako yakagadzirirwa pane imwe neimwe inogona kusiyanisa zvakashata zvichienderana nekambani kana maneja wemapatoti wamunosarudza. Kana iwe ukawana chechi, chekare-chikoro chinokosha-based group, chakadai sehofisi yangu yemhuri, ichave, iwe unenge uchizoguma nekugadzirisa-kutengesa, nguva refu, kunyanya kusatora uye chido chekuwedzera kukwanisa kwemitero . Sezvo chinangwa chekuona mararamiro ezvokuchengetedza , saka nzvimbo dzinotsigirwa nekukosha kwemukati, kunyange kana mari yepamusi inoshaikwa panguva yekuwana . Kune dzimwe makambani uko iwe ungawana kukurumidza-kutengesa, kukurumidza kuisa mari inokuita kuti urege kubva panzvimbo kuenda panzvimbo imwe neimwe mwedzi mishomanana apo uchiedza kutsvaga zvinoreva kubva kumatsetse (kunyange kutora izvo zvinondizadza nokuzvidzwa asi pane vanhu vanoita saizvozvo chimwe chinhu pasinei nekukanganiswa kukuru kwezvinhu uye kurasikirwa kwezvakaderedzwa mutero kubatsirwa ). Iko kune makambani anonyanya kushandiswa mune zvechitendero, kubvisa zvinhu zvakadai sefodya kana mishonga yemishonga (nekuda kwechibvumirano chekubvisa pamuviri). Kune makambani anonyanya kuisa mari yekushanda mune dzimwe nzvimbo dzenyika, vanoshanda nevatsvakurudzi vanogona kuverenga mutauro wekune imwe nyika uye vanodzidziswa mune zvinyorwa zvisiri mari yeGAP.
Kuzviisa nenzira imwe: Kana uchichida, mikana yakanaka kuti iripo kune imwe nzvimbo, yepamusoro kana yakaipisisa. Iwe unogona kuva wakachengetedza kana unofungidzira sezvamunoda. Kune nhoroondo dzakagadzirirwa dzega dzinongogamuchira zvizere zvakabhadharwa, zvisingabatsiri, chikamu chekubhadhara zvikwereti uye avo vanozoshandisa zviyero zvinonyadzisa zvekuvhara, kupfura kwemwedzi, uye kunyengetera vanorova kubhadhara tsvina (pamwe chete nematanda masendimita masere chikwata chekuzarurirwa kutsanangura njodzi dzauri kutora).
Zvikonzero Zvinowanikwa Nega Akagadzirirwa Nhoroondo Yakawanda Inotarisana Nezvimwe Zvimwe
Kune zvikonzero zvakawanda zvezvikonzero zvinokonzerwa nekodha imwechete iyo inowanzova yakanakisisa sarudzo kune avo vane zvinhu zvinokosha; pamwe nemari yemari uye kubudirira kuita zvakanakisisa zvegadziriro. Izvi zvinosanganisira, asi hazvirevi kune:
- Greater gifting uye kubhadhara mitero. Kunyangwe iwe uchida kutengesa zvinhu kuti uwedzere mari kana mutungamiri weporofisti inoda kubvisa pfuma panzvimbo yakabudirira kuitira kuti mari yakawanda isarambe iri mubhuku, nekambani yakachengetwa iwe pachako iwe unogona kupinda mune imwe nzira inozivikanwa sekukohwa mutero . Zvaita zvakarurama, kukohwa kwemutero kunogona kuwedzera zvakajeka kune yako yose mushure mekare-kutora mutengo wekudzoka, izvo zvinoita musiyano mukuru paunotora nguva yakareba yenguva, kunyanya kana uri mubhaketi yakakwirira yepamusoro. Iwe unogona zvakare kutumira matanho chaiwo ezvitoro kune rubatsiro kana sarudzo yakasara inovimba kana kupa zvipo kuvana vako kana kune dzimwe nhengo dzemhuri. Nhoroondo yega yega inoita kuti zvive nyore kwazvo kuronga iyo nenzira inopfuura inoenda kwaunenge uchida uye kuderera kune munhu wemutero.
- Iko kukwanisa kutora mafungiro ezvetsika uye maitiro pakufunga. Sezvo zvatove zvakagumburwa kwenguva pfupi, zvinokonzera vamwe vanhu kunyanya kunetseka kuziva kuti vari kubhadhara kubva kune zvinhu zvakadai sekutengesa fodya kana kubhabhatidza kuburikidza nehurukuro dzavo. Vamwewo havadi kuva nezvombo zvekugadzira zvirimwa kana mafuta. Nekodhi rakagadzirirwa pane rimwe nerimwe, kunetseka kwakadaro kunogona kushambidzwa nekusanyanya kushanda.
- Iko kukwanisa kugadzirisa kuisa mungozi uye kugadzirisa mamiriro ako ega akasiyana newe nemhuri yako. Ngatiti iwe hauna chikwereti uye unoda kugadzira ruzivo rwekuchengetedza kwemari inokonzera kubhadhara 4% pagore kuchengetedza mhuri yako kana ukarasa basa rako. Kana, zvichida, uri mubataniti wekodhidzi yemari yawakagara nhaka asi haadi kutora chero chechipiri kubva kune zvikonzero zvekuchengetedzwa kwepfuma. Pane kudaro, iwe unoda kuti chivimbo chayo chibhadzwe muzvinhu zvisina kubhadhara, saka hapana mutero wekubhadhara wakatarwa pachikwata chekutenda (kudzokera kumashandiro emitero atakakurukura kare). Asi, iwe haugone kurara zvakanaka usiku kunze kwekunge iwe uchiziva firms iyo iwe unofananidzwa nayo yakawanda ine mari-yakasimba ine mazhizha akawanda (hapachazove nematokari emafirimu iwe!). Zvichida iwe uri kuronga kuendesa kuGermany nekuda kwekurega basa uye uchida kuderedza mari yakawanda munguva yechipfuva, saka unoziva kuti uchakwanisa kutenga nzvimbo yekurarama uchishandisa zvikamu, chikwereti, uye zvikwereti zvinokonzerwa nehupfeti yako. Icho chinhu chezvinhu zvakajeka nekambani yakagadzwa pane imwe neimwe. Chero zvisinei nemamiriro ako ezvinhu, mari yako inogona kuiswa kuti ikushandire iwe zvakanyanya zvakanakisisa kudarika imwe neimwe nzira.
- Munhu anobata. Iwe unogona kutora foni kana kutumira email uye taura nemunhu chaiye ane mutoro wekutarisira pfuma yako. Iwe unogona kubvunza mibvunzo, gara pasi uye uine kapu yekofi, uye unotouya nesarudzo yekuita kuti mari yako iite zvakanaka pane zvido zvako. Hazvina kufanana nekutarisana nemumwe munhu asina kukanganisa pane call call. Zvinonyatsobvira munhu waunoshanda naye muhuwandu hwemabasa ako angave achibatsira vana vako nevana vazukuru vachigadzirisa rega rega rimwe zuva.
Chero chero chikonzero chako, haisi njodzi iyo varairi vemazana vakawanda vakadzidza, vakanyatsogadzirwa, uye vane yechinomwe kana hupfumi yekodzero inofanirwa kuguma nemamwe mararamiro ehutano hwemari, izvo zvingangowanzobatanidza nekambani yakagadzirirwa.