Tsanangudzo uye Mienzaniso yeMari Yakanakisisa Mutual Funds
Heino izvo zvaunoda kuziva pamusoro pekutsvaga mari mune mutual funds mukurasira:
Kurega Imari Chikamu Chikwata Tsanangudzo
Kubhadharwa mari inowanikwa muzvikwama zvekubhadhara mari inowanzobatanidzwa nekusanganiswa kwematokisi, zvisungo, uye mari uye zvakakosha zvikuru kune vashandi vayo vatova kana kupinda mukutora mari.
Chinangwa chezvikwata izvi zvinowanzova chimwe chekuchengetedzwa kwemari . Aya mafungiro anoshuva kupa vashandi mari mari yakasimba muhutano hwose.
Nzira Yokuwana Nayo Zvakanakisisa Mushandirapamwe Mutengo Mutual Funds
Nenzira yakawanda mari yakanakisisa yekurasikirwa mari ine chinangwa chikuru chinoenzanisa kuchengetedzwa kwezvinhu, mari, uye kukura, zvakakosha mumutemo iwoyo. Semuenzaniso, chinonyanya kukosha ndechokuwana mararamiro akanaka (pamusoro pezero muzana); chinhu chechipiri chekutanga ndechokuwana kudzoka kana pamusoro pekuwedzera kwekutengesa; uye zvakanyanya kupfuura, izvo zvisiri "chinangwa", ndiko kukura zvinhu. Izvi ndezvokuti kukura zvakanyanya kupfuura chiyero chekutengesa kwezvinhu kunoda kuti zviwedzere kutengesa kumusika wekutengesa , izvo zvinowedzera matambudziko ekurasika kwevakuru.
Muchidimbu, iwe unoda kutsvaga mari yekusunungurwa mari iyo inowanikwa gore rinosvika gore kubva kune 3.00% kusvika ku 4.00%. Ivawo nechokwadi chekutarisa zvakanyanya pamakore mashanu nemakore gumi ekudzoka kwechikwama uye usanyanya kutarira kushanda kwenguva pfupi .
Iwe unodawo kutsvaga mari yakanakisisa isina-mutoro nemari yakaderera mari . Iwe unofanirwa kuchengeta peni imwe neimwe inokwanisika nokuda kwekubvisa mari yako!
Best Retirement Revenue Fund Mienzaniso
Kuti ndiite zvitsva zvandinowana mari yakanakisisa yekubhadhara mari, ndakashandisa software yaMatstar's Principia Pro, asi iwe unogona kushandisa chero nzvimbo dzakanakisisa kutsvakurudza mutual funds .
Kusanganisira dzose dzekudyidzana , uye ndakawana zvinodarika mazana matatu ekubhadhara mari. Kuti ndipatsanure kutsvaga kwangu, ndakabvisa mari yose yakatarisana nemutoro wemari, mari yose ine 12b-1 mari uye mari yose ine zviyero zvemari zvinopfuura 0,50%. Izvi zvakaderedza kusarudzwa pasi kusvika 15 chete mutual funds. Kubva pamari iyo, ndakasarudza imwe neyero yemari yekugoverwa uye imwe ine chikamu chekuchengetedza:
Kubhadharwa Imari Chikamu Chikwata: Vanguard Gwaro Rokubhadhara Kugoverwa Kwekugoverwa Kwekugoverwa Kwekugoverwa Kwekugoverwa Kwemari (VDPFX)
Vanguard Yakatarirwa Kubhadhara Distribution Focus Fund (VDPFX) chimwe chezvikamu zvitatu zvemari iyo Vanguard inodana "Payout Funds," iyo "inotarisirwa kubhadhara mubhadharo wemari yekubvisa mari kuburikidza nekubhadhara maitiro akasiyana ekugoverwa kwepamwedzi (kana kuti 'mubhadharo').
Kunyange zvazvo VPDFX ine mukana wakaenzana wekutengesa (inenge 70% mashomanana / 30% zvisungo, mari uye "mamwe", maererano neAmasstar), ine inonyanya kushandiswa kwemari yekugoverwa uye yepamusoro yepamwedzi yemari yekubhadhara mari yeVanguard mari yekubhadhara mari. Icho chinangwa chikuru chekubhadhara kuchengetedza mukuru wechikoro nemari inokodzera kubhadhara. Kugoverwa kunononoka kunogona kunge kunofambisa kufamba, maererano nekusagadzikana , kune vamwe vatengesi asi nguva yakareba yekushanda kwayo inowedzera kune iyo yekuwedzera mari yekuchengetedza mari.
Kusanganiswa kwakasiyana-siyana kweVanguard index index inogona kukwezva vazhinji vakasiya basa vagara vachida kushandisa Vanguard uye / kana kuratidza mari.
Kubhadharwa Imari Chikamu Chikwama: Fidelity Freedom Income Fund (FFFAX)
Fidelity Freedom Income Fund (FFFAX) inonyanya kuchenjerera kupfuura Vanguard Gwaro Rokubhadhara Mari rine chikwereti cheFidelity mutual funds iyo, maererano neFidelity, inoda kuchengetedza zvakagadzirirwa kugoverwa kwevamwe mari yeFidelity, kusanganisira zvikamu zvakasiyana-siyana, seStock stock funds , international stock funds, uye mari yakawanda yezvisungo.
FFFAX ndeimwe yekare kare yekubhadhara mari uye yakave yakabudisa mishonga inenge iri pakati pe4% uye 5%, iyo inangwa yakanaka yekugara mberi kwekuwedzera kwenyika, nekuchengetedza njodzi shoma.
Zvechokwadi basa rekare risati riri chivimbiso chemigumisiro yemberi mune ramangwana asi apo iwe unogona kuderedza kana kubvisa kudhonza pamabasa, zvakadai semitoro, mari, uye mari yakakwirira, iwe unogona zvishoma kupa mari yako yokurasikirwa mukana mukuru wekugara kwenguva refu kupfuura iwe.
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.