Kudzokorora Mari Yenyu Yekubhadhara Kwekugadzirisa Kubatsira Njodzi
Zvinosuruvarisa, kuongorora kwepodfolio kunogona kuonekwa kunotyisa kusvikira iwe uchinge wawana zororo rekugoverwa kwemari.
Kuita kuti urongwa huve nyore uye huri nyore kusvika, ndinoda kufunga nezvekupindura mibvunzo yakawanda kwauri:
- Chii chinyorwa chekuongorora?
- Sei kuongorora kworuzhinji kunokosha?
- Ndezvipi zvimwe zvezvinhu zvaunofanira kufunga paunenge uchitarisa chikwereti?
Tarisiro yangu ndeyokuti iyi sumo yekutanga inogona kukugadzirira kuti uve nebasa rekuongorora hutano hwako hwepodfolio kana, kana iwe ukabuda kunze kwebasa iro kune unyanzvi, unonzwisisa dzimwe nzvimbo dzaungada kubvunza mibvunzo.
Chii Chinonzi Kuchengetedzwa KwemaPorfolio uye Nei Zvakakosha?
Yakanyatsogadziriswa uye inoshandiswa, kukodhidzirwa kwepodfolio yakagadziriswa ndiyo nzira yekuputsa uye yekudzidza chikwereti chekutsvaga kwekutsvaga kuitira kuti ione zvose zvakakodzera kune zvido zvemutidzi wezvakaitwa, zvido zvayo, uye zvigadziriswa, uye mikana yake yekusangana nechinangwa uye chinangwa chekupiwa kwehupfumi , kunyanya pakugadziriswa kwekuchengetedzwa kwemungozi uye nekuda kwezvakaitika zvekare zvidzidzo .
Kupa mufananidzo: kana muteresi aifanira kuswedera kune akanyoresa mazano ekugadzirisa mari kana kambani yekuchengetedza mazai uye akakumbira kuongorora kwenyaya yezvaakachengetedza zvichienderana nechishuvo chekuchengetedzwa kwemazana kwemakore mashanu, sangano rezano rinofanira kutarisa iyo mahofisi mukati mepapotipoti uye edza kuona kana nzvimbo idzodzo dziine zvinhu izvo munhu anonzwisisa angasarudza kuva hutano hwepamusoro hwekuchengetedza kusagadzikana uye kukwana zvakakwana.
Nhengo yekupa mazano inoda kuti irege kudzivirirwa zvakananga kune zvikwata, zvichida pane kusimbisa mari, mari yakashanda yemusika mari , zvigwaro zvekubhadhara zvinotsigirwa ne FDIC , mabhizimusi eUnited States uye manotsi, nezvimwewo, kuenzaniswa kwemari. Pamusoro pehuwandu hwemashumo, chinangwa chekuita mari yekuita mari muchidimbu chezvikamu kana chikwereti chaizova chechipiri kana chepamusoro kufungisisa kwekutarisira kuti mukuru wacho aripo apo mutyairi anofanira kuhuwana.
Zvimwe Zvinhu Zvokufungisisa Paunenge Uchiita Kuongorora Kwepodfolio
Kunyange zvazvo kune nzira dzakawanda dzekugadzirisa dambudziko rekunyora kworuzhinji, ndinofunga kunobatsira kuparadzanisa mumabasa matatu ekutanga.
Chokutanga, chengetedza chikamu chepamusoro pamagariro. Chinangwa ichi ndechokunzwisisa kuti sei chikwereti, chinotorwa sechose, chiripo kune mamwe mahofisi kana zvimwe zvinotarisirwa; somuenzaniso, munyaya yekodzero yose yekuenzanisa izvi zvinogona kureva kutarisa maitiro ehupfumi-nhamba yezvikwata zvepodfolio, mutengo-kusvika-kuwanikwa kwehuwandu hweiyo chikwereti zvachose, mugove wekugoverwa kweporoftifolio se yose, inotarisirwa kukura kwehuwandu mukutarisa kuburikidza nemari yekugoverwa kwega- uye nekuenzanisa navo pamusoro pekambani yematengesi seStock P 500 kana kuti Dow Jones Industrial Average .
Chechipiri, chengetedza zvikamu zveporojekiti maererano nezvimwe. Chinangwa panguva iyi ndechokuti unzwisise kuti munhu mumwe nomumwe anobata sei mukati mehutorikoti anokonzerwa, zvakananga kana kuti zvisina kutarisana, kana mumwe nemumwe kana zvimwe zvinokonzera imwe neimwe yega yega. Zvakakosha kuti kuongorora kwepodfolio kunosanganisira mabhizimisi ose akabatanidzwa, zvakadai sekutsvaga mune bhizinesi duku , pamwe chete nedzimba ipi neipi. Semuenzaniso, wechipiri mukuru Dairy Queen franchisee operator muUnited States aida kubhadhara kuchengetedza kwekupedzisira muna 2017 nokuti kuderera kwemafuta emafuta kwakanga kwakaguma nokurasikirwa kwemari pakati pemharaunda umo nzvimbo yakawanda yezvokudya zvayo yakanga iripo. Chero ani zvake aive nemari inobata danda rekuenzanisa mubhizimisi iroro re franchisee raizowedzera ngozi dzake zvakanyanya kuburikidza nekuchengeta zvikamu zvemafuta mafuta, zvakadai sokupaka motokari muExxMobil kana Chevron mukodha yekwereta inotengesa kana Roth IRA .
Kunyange zvazvo peteroli, jet mafuta, mafuta asina kuchena, uye gasi chaiwo hazviiti seine zvakawanda zvakafanana ne ice cream cones uye imbwa dzinopisa, dzakabatanidzwa munyaya iyi nemhaka yezvinyorwa zvitsuwa zvemaresitorendi akapfigirwa, izvo zvakatsigirwa pane vatengi vaitora zvikwereti zvavo kubva kumafuta emafuta, kuti vagokwanisa kudya kunze kwemba.
Chechitatu, chengetedza zvikamu zveporojekti kubva pasi-up semari yekudzivirira oga. Sezvo nzvimbo imwe neimwe iri kuongororwa-uye kudzokorora chimwe chinhu chandaitaura kakawanda pamusoro pemakore-iwe unofaniri kuzvibvunza, "Sei ini ndiri wezvi?", "Ndinotarisira kuti mushure mekubhadhara mari inofambisa kuti ive yakaenzana ne mutengo wandakabhadhara? ", uye" Ndiri kumashoko api anoramba ndichibata danda? ". Izvi zvinogona kudzivirira hupenzi hwakawandisa kubva pakuita nzira yayo kupinda mubhadharo rako. Uyezve, danho iri rinonyanya kukosha kubva pakuona kutarisana nematambudziko nokuti rinoratidzika sekuti kana kune chimwe chinhu chinonyengera chakasvika paWall Street nevashambadziri nguva nenguva, zvichiita kuti vanhu vasati vashandise kuti vagozviisa mumisoro yavo kuti vaise ivo imwe kambani, chikamu, kana kuti indasitiri inoita zvakanaka panguva ino pano script isingashanduri kuchinja, vanomhanya chete]. Nekukwira kwemazuva ano kwevanoti Robo-Advisors, dambudziko iri rinoratidzika kunge rakanyanya kuipa. Kwete kare kare, ndakanga ndichitarisa kudzokorora kworuzhinji kune mumwe munhu uye ndakaona kuti yavo yakagadzirirwa kushandiswa kwemari yaisanganisira yebhashushi yakabatana ETF . Dambudziko: Sezvo ndakachera mukati mekutsvaga mari yekutengeserana mari, ndakaona kuti dzimwe dzezvisungo zvaiitwa dzaiva nehuwandu hwehutano husina maturo dzinomirira chikwereti kunyika yechitatu. Hazvina maturo uye upenzi kuti utenge zvinhu zvausingadi nokuti zvinokodzera kuongororwa kwezvinhu zvaunofunga kuti unoda. Kune zvakawanda, nzira dzakawanda dzokuvaka upfumi. Ndingafara kuwana mari shoma shoma kuburikidza nekutora mabhizimisi ebhizinesi rehutano hwehurumende kupfuura chikepe chandinokoshesa mari inokosha pasi rose kune imwe nyika ine mukana chaiwo wekusakwanisa kubhadhara mabhiriro ayo.
Institutional Portfolio Analysis Inogona Kuve Yakanyanya Kunyanya
Kunyange zvazvo matanho matatu aya angangodaro kune vakawanda vanoita mari, vashandi vezvikoro vane mamwe maitiro ekuongorora mapepa ayo vangada kupedzisa pavanongorongedza zvinhu pasi pevatariri. Zvine chokuita nemitemo iri pamusoro apa, vatungamiriri vemapatoti emapatoti vanosarudza kuita shure-dated kuongororwa kwekutarisa kuti vaone kuti sei chikamu cheporofesa chingangodaro chaive chichiita pasi pemamiriro akasiyana ehupfumi kana emusika nekufananidza kudzokorora kweThe Great Depression ya1929, kushambadzira kwemusika kubva muna 1987, dambudziko rekuda mari reAsia muna 1997, kana kuti Great Recession yakatanga munaDecember wa2007. Pakati pezvikwata zvepamusoro, vatsigiri vevashandi vebasa vakaita seBloomberg uye FactSet vanopa maitiro anobvumira kuti mifananidzo iyi ive pedyo munguva chaiyo-yega kana kuti ive nayo automated maererano nehurongwa hwehuwandu hwepodfolio wezvekuongorora kuongororwa nekambani yemapatotiyo kana komiti yekutsvaga kwekambani yekuchengetedza mararamiro. Kuwedzerwa, kambani yezano rekutsvaga mari inobhadharwa kuisa mari inobata muhomwe yepensheni, iyo inoteererwa nemitemo yakawanda nemitemo inosanganisira Employment Retirement Income Security Act muna 1974 (ERISA), ichada kuve nechokwadi chokuti kubatira kunobvumirana uye kwakakodzera. Izvi ndizvo zvakafanana nemutongi wea trust fund , uyo anofanira kugara achivimbisa kuti zvinhu zvekutendesa nekutengeserana, kusanganisira chero kugoverwa kana kubhadhara, zvinowirirana nechombo chekuvimba.
Iko Balance haisi kupa mutero, utsvaga, kana mari yemari uye mazano. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kushivirira kune ngozi, kana mamiriro emari yemumwe mutengesi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru.