IYE MAZANO Mutual Funds Kwauri Here?
MAZANO mari pamwe chete anopa zvakawanda zvinobatsira kune vashandi. MAZANO amabatanidzwa akabudiswa neUnited States Treasury iyo inobhadhara chikwata pamusoro wekugadziriswa kwezvisungo. Icho chisungo chinoshandiswa pane imwechete yegore negore nemutengo weVatengi Vekuenzanisa Indekisi (chiyero chekuwedzera kwezvinhu).
Saka, MAZANO anonzi anoramba achifambidzana nekutengesa kwenyika kuburikidza nekudzorera mukuru mukuru akazogadziriswa pakukura uye kubhadhara zvikwata munzira.
Unoyeuka here kuti mari yakadini yekudhinda tamputi yaiva muna 1970? Yaiva $06. Unoziva here kuti mari yechitema iri muna 2009? Handikwanise kuyeuka, asi ndinoziva kuti yakawanda kupfuura iyo yaive muna 1970. Kuwedzera mumutengo wetampamende yekutsvaga ndiyo muenzaniso wekutanga wekuwedzera kwezvinhu.
Nzira dzeTIPS Funds
Iwe unogona kuisa muHaimari Inflation-Yakachengetedzwa Zvakachengetedzwa kuburikidza nemari pamwe chete uye inonakidzwa nezvimwe zvikomborero zvinowanikwa pamwe chete zvakadai se:
- Professional Management - Fund mamenenja achawedzera kukosha kuburikidza nekutsvaga mazano ekutengeserana pasi pamusika wechipiri.
- Dhiversification - MAZANO ane matanho akasiyana-siyana achave ane aTIPS fund achiumba purofidho yakasiyana-siyana.
- Unyanzvi - Kusiyana nekutenga MAZANO emabatanidzwa, a TIPS mari inogona kutengwa uye kutengeswa musingazivikanwi mari yakawanda. Vashandi havazodi kuisa TIPS pane kukura, asi vanogona kuvimbiswa kuti mari imwe neimwe icharamba ichitarirwa mazano.
- Reinvestments - Kusiyana neZVO mazvisungo, mari inobva kuTIPS inogona kubhadharwa zvakare muchikwata pasina mutoro wekutengesa.
Mutemo weTIPS Funds
- Kuratidzira - Kusiyana neZVO mazvisungo, mazano emumwe mutengo haabatsiri, saka vashandi vanoda kubudisa mari vanofanira kubvuma mutengo wezvino (unogona kunge wakakwirira kana wakaderera kupfuura mari yaimbova inotengeswa).
- Mitero - Pane mari inobatanidza nokutenga MAZANO emari pamwe chete ayo anopfuura mberi mari yekubhadhara inotambirwa mazano eBIPS.
Mazano emitero pane mazano Mutual Funds
Vashandi vemari muZIMA mari yemari inoshandiswa inotarirwa pamari yose yegore negore yemari yakagadziriswa (kureva, kuwedzera mumutengo mukuru nekuda kweCPI) gore negore. Mutero paanogadziriswa unotumidzwa se "mari yakawanda" nokuti mutyairi haagamuchiri kugadziriswa kwechimiro chekuda kana chikwereti chekubhadhara.
NZVIMBISO dzakawanda mari yemari inobhadhara ichabhadhara chikamu chikuru chakashandurwa sechikamu, asi kana iwe ukadzorera zvikamu, iyo inonyengera. Iwe uchiri kusagamuchira chikamu, asi iwe uchabhadhara mutero wemari pamubhadharo wokubhadhara. Nokuda kwechikonzero ichi, vashandi vazhinji vanosarudza nekuchenjera kubata mazano muchikwereti chekurasikirwa kwemitero (eg, IRA) kuti vasatora mutero.
Final Tip pane MASHOKO Mutual Funds
Inogona kuoneka sedombo, asi kutenga TIPS mutual fund hazvizoiti kudzivirira mukuru wako. Mune nguva pfupi, MAZANO mari anogona kunge asina kumira. MAZANO anotengeswa zuva rega roga zvichienderana nezvinotarisirwa zvehutengo hwemazuva anouya (uye kukosha kunobatanidzwawo nekuchinja kwehuwandu hwemari). Kana iwe uine mazano eBIPS zvakakwana, unovimbiswa kuti uwane mukuru wako akachinjwa pakukura.
Kunyange zvakadaro, mazano ehurumende mutual haashandi. Hakusi vimbiso yokuti kana iwe uchida kubvisa mari yako, iwe uchagamuchira mari yakazara yekutsvaga kwako.
Kunze kwekuti iwe uri wechirangaridzo, tenga TIPS mutual funds yekuchengetedza kwemazuva ekupedzisira kutengesa kwechikamu chezvikwereti zvako zvakasara zvekuwana .