Technology, Financial, Consumer Cyclicals, Consumer Staples, Utilities & Health
Iri peji rekutanga rinosanganisira mabhizimisi anotengesa uye anochengetedza zveTechnology, Mariki, Consumer Cyclicals, Consumer Staples, Utilities uye Health Care.
Technology Technology Sector Funds
Inyanzvi yekombiyuta inhengo yezvikwata zvine mabhizimisi ekugadzirwa kwekambani, zvakadai sevashambadziri vanobudisa kombiyuta hardware, kombiyuta software kana zvemagetsi uye makambani ekugadzirwa kwemakambani emakambani, zvakadai seaya anopa teknolojia yezvekodzero uye bhizinesi rekugadzirisa data. Mamwe mienzaniso yekambanikiti makambani anosanganisira Apple, Microsoft, Google uye Netscape Communications.
Kuraira kwekombiji inowanzobatanidzwa nekukura kwekutsvaga mari kana nechisimba chekusimudzira chinangwa chekutsvaga .
Kuwana mari yakanakisisa yemakambani emari uye ETFs zvinogona kuva zvakaoma nekutsausa. Somuenzaniso, inowanzokanganisa kufungisisa nezvePowershares QQQ ETF se pure technology yekushandisa sezvo inotevera NASDAQ 100 Index.
Izvi zvinogona kuonekwa sekutsva kwekutsvaga kwekutsvaga mazano asi QQQ zvibvumirano mu teknolojia inomiririra zvakapoteredza 50% yepodfolio.
Uyewo, mari zhinji yekombiyuta mari inotarisa kune rimwe rutivi rwemagetsi ehutoriki, zvakadai semakombiyuta, kutengesa mitambo, semiti-conductor, kana magetsi. Zvisinei, zvakakosha kuti vashandi vakawanda vashandise ruzivo rwakasiyana-siyana rwekambani yekushandisa mari.
Nezvemari inotora 90% inoshandiswa purogiramu yekombiyuta (seyiyo yekunyorwa uku), chimwe chezvinhu zvakanakisisa zvekutengeserana mari ndeye Fidelity Select Technology (FSPTX) uye imwe yenyanzvi yeTF-tech ndiyo iShares US Technology ETF (IYW).
Nhepfenyuro yemari yemari (aka "mari") inosanganisira mabhanki, makambani emakadhi emakwereti, makambani einishuwarenzi uye makambani ekubhadhara mari. Mienzaniso inosanganisira Bank of America, Wells Fargo, Goldman Sachs, uye MetLife. Zvisimboti, mari yezvikwata inonyanya kukosha muhuwandu hwechikwata chekudyidzana kwemamiriro ekunze apo mabasa ezvemari, akadai sezvikwereti zvemari, zvikwereti nemari yekutsvaga, zviri kuda.
Kune zviyero zvinopfuura 100 mutual funds uye ETFs dzinonyanya kuzivikanwa mune zvemari asi rimwe remari rakanyanya mari yezvemari yebazi ndeye Vanguard Financials Index (VFAIX) uye imwe yeTFF dzakanakisisa iShares US Financial Services (IYF).
Consumer Cyclicals Sector Funds
Zvinhu zvekutengesa mabhizimusi kana mabasa ndeaya zvisingaonekwi zvakafanira. Izvo zvinodanwa kusununguka kana zvigadziriswa uye mabasa, kushandiswa kwavo kunobva pane zvigadzirwa zvemari, saka zita ravatengi rinoshandiswa.
Semuenzaniso, panguva dzekutsvaga kwekutsvaga kwekutengesa zvekutengesa kwezvinhu zvekuchengetedza kana mabasa, zvakarongerwa sekusingaperi kana kusingagumi, zvakadai semotokari uye hardware (yakagadzikana) kana varaidzo uye mahotera (kwete-durable), anowanzopfuura pane dzimwe nguva dze kugadzikana kwezvoupfumi, kana bedzi iyo inonyanya kukosha mabhizimusi zvigaro inogona kuramba ichidiwa.
Taura zviri nyore, vatengi vanopedza zvakawanda pazvinhu zvepamusoro (zvisingadi) zvinhu apo nguva dzakanaka uye zvishoma pazvinhu izvi kana nguva dzakaoma.
Sezvo nemagetsi akawanda mari iyo Consumer Cyclicals sector ine zvikamu zvakasiyana-siyana. Somuenzaniso, mutengi anokwanisa kutenga zvikamu zveimwe bhazikati yemari inoshandiswa mari inogadzirisa chete mumakambani emotokari. Kunyange zvakadaro varimi vakawanda vakachenjera kuti vawane huwandu hwehuwandu kune zvikamu kuburikidza nokusarudza kusiyanana kwemari yekuenzanisira mari uye ETFs .
Imwe yepamusoro Consumer Cyclical sector index index Vanguard Consumer Discretionary Index (VCDAX) uye imwe yepamusoro Consumer Cyclical ETFs ndeye SPDR S & P Retail (SRT).
Vashandi Vekuchengetedzwa Kwemari Chikamu
Zvokudya zvekutengesa zvinhu, zvakadai sekudya, fodya, uye zvinwiwa, izvo vatengi vanofunga kuti zvinokosha muupenyu hwezuva nezuva. Saka zvikwata zvemakambani anogadzira zvigadzirwa zvakadai zvinonzi "kudzivirirwa" kana "kwete-cyclical" mashizha nokuti vatengi havakwanisi kurega kutenga uye kupedza zvigadzirwa kunyange munguva yekuderedza mari.
Mienzaniso yekambani yekubhadhara makambani inosanganisira General Mills, Inc (zvokudya), Firipi-Morris, Inc (fodya) uye Coca-Cola Co (zvinwiwa).
Vatengi vezvokudya zvekushandisa vanoonekwa sehomwe dzinodzivirirwa nokuti vanowanzochengetedza mutengo wakamira mumusika kune mamwe mashizha, zvakadai sekuwedzera mashizha. Semuenzaniso, munguva yekuderedza mari, vatengi vachiri kuda zvokudya, zvakadai sekudya uye mukaka, kana kuti vangatowedzera kushandiswa kwezvinhu zvinonzi "chivi chezvivi" zvakadai semidzanga uye doro. Kuziva izvi, vashandi vakawanda vanozotenga mashomanana anochengetedza apo vanotenda kuti kuderedza mutengo kunogona kuitika munguva pfupi.
Nzira yakanaka yekuwana zvakakwana kuCheta yeVatengi iSpaples ndeyekusiyana uye kudhura mari yehurukuro yebazi kana ETF. Imwe yemhando yakanakisisa yevatengi inotsanangurwa mari ndeyeVanguard Consumer Staples Index (VCSAX) uye pakati peEFF dzakanakisisa ndiVatengi Staples Select Sector SPDR (XLP).
Zvivako zveMari Chikamu
Ushandiso izwi rezvemari iro rinowanzoreva kukwanisa kugutsa zvido kana zvido; inotsanangura kubatsira kwezvakanaka kana kushanda. Nokuda kwechikonzero ichi, makambani anounza zvakanaka kana kushanda anopa vashandi vashandisi vanorongwa pasi pehuwandu hwehurumende yeUtilities.
Iwe unenge watoziva nezvezvinhu zvinobatsira muupenyu hwako hwezuva nezuva uye zvichida unoshandisa shoko racho ne "yako bhizimisi yemari," iyo inobhadhara kubhadhara masikati ezuva nezuva, kusanganisira zvivako zvehurumende, sefoni, gesi, mvura uye magetsi.
Nezvekutsvaga mari, uye maererano ne Morningstar , "Utilities fund portfolios inoshesa kukoshesa kwemari kuburikidza nekutsinhanisa kunyanya mune zvekuchengetedzwa kwezvikwereti zveUnited States kana zvisiri zveUnited States zvinosanganisira magetsi, gesi, uye vanofona-nhare." Mumashoko akareruka, mashandisirwo emari mari inoshandiswa nemari inoshandiswa muzvikwata zvemakambani mukati mehurumende.
Zvigadzirwa zvemasitadhi zvinotaridzirwawo sehomwe dzinodzivirirwa nokuti dzinowanzochengetedza mutengo wakamira mumusika kune mamwe mashizha, zvakadai sekuwedzera mashizha . Semuenzaniso, panguva yekuderedza mari, vatengi vachiri kuda mabasa, akadai segesi, foni uye magetsi. Kuziva izvi, vashandi vakawanda vanozotenga mashomanana anochengetedza apo vanotenda kuti kuderedza mutengo kunogona kuitika munguva pfupi.
Sezvo neinzvimbo dzakawanda dzemabhizimusi, pane zvikamu zvishoma mukati mezvikamu zvakawanda zvezvishandiso. Semuenzaniso, kana mutengesi aida kufungidzirwa kumakambani efoni, akadai saVerizon naCommcast, vangafunga nezvekubatana mari yakafanana neFidelity Telecom neUtilities (FIUIX). Kunyange zvakadaro mari yezvikamu inenge yakanyanya kuiswa uye zvikamu zviduku zvinogona kunge zvakanyanyisa uye zvinowedzera kuipa. Saka kuchenjera kune vashandi vakawanda kushandisa mari yakasiyana-siyana uye yakaderera mari ye index index kana ETF, yakadai seUtilities Select Sector SPDR (XLU).
Zvigadzirwa zvematokari zvinowanzonziwo nekubhadhara zvikamu. Saka kana uri kutsvaga kuwedzera mutengo wemari pamwe chete kune imwe nzvimbo yako yemari, iwe unogona kufunga kuwedzera sangano rehurumende.
Utano hwehutano, hunozivikanwa sehutano kana humwe hutano-hutano, ndeyemari yekutsvaga mari inoshandiswa inotarisa pamashandiro ehutano hwehutano. Utano hwehutano hwakanyanya. Kunyange munhu asina ruzivo rwekutsvaga mari anogona kufunga nezveimwe nzvimbo yehutachiona hwehutano, zvakadai sechipatara conglomerates, masangano emasangano, makambani einishuwarenzi, makambani ekushandisa zvinodhaka, makambani ezvinyorwa, kana vashandisi vekurapa. Mienzaniso inosanganisira Pfizer, United-Healthcare, Cigna Corp, Abbott Laboratories, uye HCA Holdings, Inc.
Nzira yakanaka yekuwana yakawandisa kumashandiro ezvehutano ndeyekushandisa kwehutano mutual fund, yakadai seVanguard Health Care (VGHCX) kana T. Rowe Price Health Sciences (PRHSX).
Vashandi vanogona kushandisa mari yehutano mari sechigadziro chekusiyanisa huwandu hwehupfumi hwemari. Utano hwehutano hunowanzoonekwa se "kuchengetedza" mashizha nekuda kwekugadzirisa kwavo kwakaderera kune yakazara stock index funds, seS & P 500 Index Funds , zvokuti vashandi vazhinji vanoshandisa sevanonyanya kubata mune imwe nzvimbo yemahofisi. Apo mamwe maindasitiri ari kuita zvisina kunaka nekuda kwenyika dzisina kunaka, hutano hwehutano hunogona kuita hunoita zvakanaka nokuti vanhu vachiri kudikanwa kuona chiremba uye kutenga mishonga yavo, pasinei nemamiriro ehupfumi.
Utano hwezvehutano hwakagara huri pakati penhaurirano yezvematongerwo enyika uye inoparadzanisa kakawanda munhoroondo yechangobva kuitika nekuti mari uye kuwanika kwehutano hwezvehutano zvinoshuva uye misoro yega yevhoti. Mutemo we Congressional unogona kunge uchiita zvakanaka kana kuti unopisa humwe humwe humwe hutsika hwehutano hwehutano. Uyewo, kupera kwemishonga yemishonga inoshandiswa kwemishonga inoshandiswa zvakanyanya inogona kukanganisa mhizha wezvinodhaka kana, zvakare, FDA inogamuchirwa nemishonga inogona kuve nemigumisiro yakanaka. Muenzaniso wekutsvaga wezvematongerwo enyika mune zvehutano mashomanana ndeye Affordable Care Act, inowanzonzi Obamacare, yakapfuudzwa neCongress munguva yeHurumende yekutonga. Mamwe matanda akaenderera mberi, akadai semakambani echipatara asi vamwe vakaramba, zvakadai sevashuwarisi vanotengesa. Zvisinei, huwandu hwekodzero yehutachiona hwehutano hwehutano hwakanga husinganyanyi kukosha. Izvi zvinotaura kuuchenjeri hwekusiyana-siyana kwemari pamwe chete, kuratidza mari uye ETFs dzinopa huwandu huzhinji hwehutano hwehutano.
Kutarisa kumativi kana nyika ETF s.
Peji yepiri yechipiri inosanganisira zvikamu zvakafanana uye zvinoputika zvesimbi dzinokosha, ndarama, zvinhu, zvisikwa, uye simba. Kuti uwane chiyero chakanaka, peji ino inosanganisirawo yekutakura uye yezvemagariro evanhu.
Zvizhinji zvezvemari mari muZvikosha zveMatunhu zvinotengeswa zvikuru mumigodhi yemabhizimisi mashizha. Zvisinei, vamwe vanove yavo pfupi yegoridhe, sirivha, mhangura kana platinum, kazhinji iri muchimiro chemari yemari.
Makambani anokosha-esimbi anowanzogara muNorth America, Australia, kana South Africa.
Vamwe vatengesi vanosarudza kutenga zvigadzirwa zvakakosha, zvakadai segoridhe, sirivha, platinum uye mhangura, muchimiro chemuviri wemari. Vamwe vanofarira kutenga zvikamu zvekugovera kambani yemakambani kana mari yemari, ETFs uye ETNs.
Zvigadzirwa zvinokosha-zvigadziko zvigadzirwa zvinotengeswa mumidziyo inokosha yakadai segoridhe, sirivha, mhangura, platinum, uye palladium. Kuita zvekutsvaga kunogona kuitwa zvakananga mune zvepanyama kana zvigadzirwa-zvakabatanidzwa zvinogadzirwa. Kazhinji kazhinji, vatengesi vanowana ruzivo rwakanyanya kune zvigadzirwa zvemhando inokosha iri kuburikidza ne-sub-category yezvinhu-zvigadzirwa zvemidziyo Exchange-Traded Funds (ETFs).
Vashandi vanogonawo kuti isu Tishandise-Kutengesa Mazano (ETNs). Zvakakosha kuziva kuti ETNs zvikwereti zvezvikwereti, sezvisungo, izvo zvisingasimiri mune chero zvinhu. Kunyange zvazvo yakabatanidzwa nekushanda kwematengesi ematengesi, ETNs haisi ezvo kana kuenzanisa mari; vanobatanidza unhu hwezvisungo uye Exchange Traded Funds (ETFs).
Nzira dzinowanzoshambadza dzekutenga ndarama inenge mu bullion yemari yegoridhe kana kuburikidza ne bullion Exchange Traded Fund (ETF) yakafanana nePSDR Gold Shares (GLD). Mari inowirirana inopa mari shoma kune imwe yenhumbi mugoridhe chaiyo. Kazhinji zvinorongedzerwa se "Precious Metals," iyo mari yekutengeserana yegoridhe inowanzobata mabhizimisi emakambani emigodhi.
Zvishomanana zvemari yakaisvonaka yekutengeserana kwegoridhe, maererano nekushanda kwemazuva akawanda, nguva yakareba muteja uye kuenzanirana nehuwandu hwemari inoshandiswa inosanganisira Tocqueville Gold (TGLDX) uye Gabelli Gold Load-Waived (GLDAX.LW).
Kana iwe uchida kutsanangurwa zvakanyanya kune sirivha, uchashandisa Silver Exchange Traded Fund (ETF), yakadai seShares Silver Trust (SLV). Vashandi vanogonawo kushandisa Exchange Exchange Notes (ETN), yakadai seBUBS E-TRACS CMCI TR Silver ETN (USV), seimwe nzira. Zvisinei, zvakakosha kuona kuti ETNs zvikwereti zvinokwereta, sezvisungo, izvo zvisingasimiri mune chero zvigadzirwa. Kunyange zvazvo yakabatanidzwa nekushanda kwematengesi ematengesi, ETNs haisi ezvo kana kuenzanisa mari; vanobatanidza unhu hwezvisungo uye Exchange Traded Funds (ETFs) .
Kana iwe uchida kutsvaira zvakanyanya kune mhangura, iwe uchishandisa rudzi rwe Exchange Trading (ETN), dzakadai sePath DJ-UBS Copper Total Return Sub-Index ETN (JJC).
Kana iwe uchida kutsanangurwa zvakanyanya kune platinum, iwe uchishandisa rudzi rwe Exchange Trading (ETN), yakadai seBudS E-TRACS Long Platinum Total Dzokera ETN (PTM).
Muchengeti Wechenjeri NeZviso: Mari inokosha yeMetals inzvimbo dzakasiyana-siyana dzisingasviki uye dzinofanira kushandiswa mumari shoma. Somuenzaniso, unogona kuedza kudzivisa kujekesa kune chikamu che 5% (asi kwete kupfuura 10%) yehuwandu hwekutsvaga mari yako.
Yakawanda mari inobatanidza mari haina kubata platinum sepfuma. Vashandi vanogona kuisa pachena kune platinum mune mari pamwe chete nekuchengetedza mari yakaenzana yemidziyo yakakosha, yakadai seVanguard Precious Metals & Mining (VGPMX) uye USAA Inokosha Metals & Minerals (USAGX) asi izvi zvinowanzova nehuwandu hwekambani dzegoridhe neyegoridhe kupfuura platinum uye platinum mining makambani.
Chinhu chakanaka chakanaka kana kushanda pasina kusiyaniswa kwepamusoro kunopa izvo zvinodiwa mutengo wemari. Mumashoko akasiyana, zvinhu zvinogona kuuya nenzira dzakasiyana-siyana kana mhando asi mhando imwe neimwe mune imwe boka kana boka haisi yakasiyana zvakasiyana nedzimwe zvinhu mune imwe boka kana boka.
Somuenzaniso, funga nezvezvinhu, shuga. Ihwo hune hupfumi hwehupfumi hunoita kuti vatengi vatengese mari; iyo inotengesa zvakanaka.
Zvisinei, kumutengi, hapana hutano hwechokwadi hunokonzerwa ne brand to brand: Shuga ishuga. Nokudaro mutengi angangotsvaka tsvina yakaderera yakaderera, inowanzouya nenzira yechiratidzo chechimiro. Zvimwe zvinhu zvezvinhu zvinosanganisira mafuta asina kuchena, mashala, chibage, tei, mupunga, ndarama, sirivha, uye platinum.
Muenzaniso webasa sechinhu chinonzi inshuwarima yehupenyu kwenguva. Nezvimwe zvinhu zvave zvakaenzana, zvakadai sezwi mumakore uye kubwinya kwekambani yeinishuwarenzi, vatengi vachatsvaga mutengo wakaderera mumusika. Mumashoko akasiyana, kune dzakawanda inshuwarisi vanopa hupenyu hwehupenyu hwehupenyu hwehutano uye hapana misiyano yakakosha pakati pemitemo kumutengi uye naizvozvo "sarudzo yakanakisisa" inowanzova iyo ine mutengo wakaderera.
Kuisa mari mune imwe chinhu, kunyanya mune zvakawanda, kune ngozi, kutaura zvishoma. Nokuda kwemuenzaniso wekupedzisira, funga nezvokutsvaga mari negoridhe muna 2012, pane imwe nzvimbo yekududzirwa zvikuru. Iwe hauna kukwanisa kuverenga kana kutarisa mune chero mhando yehuwandu hwemashumo usina kuona kana kunzwa chimwe chiziviso chokutenga nekutsvaga mune goridhe . Masanhu evanhu akanga ari kuenda kumapati egoridhe, kwaaigona kutengesa zvishongo zvavo zvegoridhe zvisina kushandiswa.
Kana iwe wakanga uine shungu zvakakwana kutenga iyo yegoridhe hype, pedyo nenheyo yadzo yapfuura munaOctober ya2012, zvinongotora mwedzi mitatu kuti urasike anenge 30% yehuwandu hwayo. Uye kurasikirwa uku kwechikamu chimwe chete chetatu mukukosha kwaiva panguva apo imwe yepamusoro yeS & P 500 Index Index ingadai yakadzoka kupfuura 20%. Iko mari yakakosha inodhura 50%! Ouch!
Nzvimbo Dzemasikirwo Emari Chikamu Mari
Zvisikwa zvakasikwa zvinonyanya kutaurwa kune zvinyorwa-based based industries zvakadai sesimba, makemikari, minerals, uye michina yemasango muU.S. kana kunze kweSouth Mutual fund neEF portfolios, inozivikanwawo semari yechipatimendi , inowanzoisa mari mune zvakasiyana-siyana inobata munzvimbo idzi kupa vashandi vemajeri zvakanyanya kuwanikwa kune zvisikwa zvenyama. Zvimwe zvikwata zvinogona kunyanya kuisa pfungwa kana kuti mune zvemamwe mabhizimusi mukati meboka rezvisikwa zvepanyika.
Kuti zvive pachena, vatengesi vanenge vakachenjera kufunga nezvemari inowanikwa mune imwe tsananguro yakasiyana. Semuenzaniso, nzira yakanaka yekuisa mari muUnited States zvigadziriro iShares North American Natural Resources ETF (IGE) uye nekuda kwenyika yose, iShares S & P Global Materials ETF (MXI).
Vanguard uye Fidelity inopawo mazano akanaka mutual funds, zvakadai seVanguard Materials Index (VMIAX) uye Fidelity Select Materials (FSDPX).
Simba rinosanganisira zvose zvemabhizimisi anobatanidzwa mukugadzira nokugovera simba, kusanganisira makambani emafuta, makambani emagetsi, mhepo uye simba rezuva, pamwe nemabhizimisi emarasha. Mienzaniso yemakambani emagetsi anosanganisira aya anosanganisira Exxon Mobil, Haliburton, uye Southwestern Energy Company.
Sezvaunoziva iye zvino zvakanaka iye zvino kubva pakuverenga nyaya ino, apo iwe uchinge uchiita mari mune zvikamu, zvakachenjera kushandisa shanduro yemari kana ETF kuti uwane ruzivo rwakakwana kumakambani akasiyana-siyana munharaunda. Kune mari yakawanda yekusarudza kubva kune imwechete yezvakanakisa zvekushandiswa kwemari yehurumende yeVanguard Energy Index (VENAX) uye imwe yeTFF yakanakisisa ndiyo Energy Select Sector SPDR (XLE).
Nzvimbo yekufambisa inosanganisira makambani anobatanidzwa mukufambisa kwezvinhu kana vanhu. Mienzaniso mizhinji inosanganisira mabhiriji, makambani emotokari, uye vatakuri vemhepo. Kutakura matengesi kunofanirwa kune simba remhepo , kunyanya kutengesa mitengo. Nharaunda yacho inogonawo kuva chiratidzo chinotungamirira mune zvezvematongerwo enyika nokuti inopa zvinyorwa pamusoro pehuwandu uye kudiwa kwezvinhu zvakagadzirwa nekambani dzekutakura kune vatengi. Iyi pfungwa inokosha kuDow Theory .
Kune zvikamu zvishomanana zvemari uye ETFs dzinopa huwandu hwekutsvaga mune zvekutengesa asi imwe yezvakakosha mari ndeye Fidelity Select Transportation (FSRFX) uye imwe yepamusoro yekutakura ETFs iShares Transportation Average (IYT).
Socially Responsible Investing (SRI)
Sangano rezvemari rinotarisira mari (SRI) haritauri zvikamu semabhizimisi asi iri mune imwe nzvimbo yakasiyana yekutsvaga iyo iri kuwanikwa pakuzivikanwa. SRI ndeimwe nzira yekutsvaga mazano ekutsvaga mari uye sarudzo inoda kukurudzira maitiro ekuzvibata, kusanganisira avo vanotsigira maitiro akanaka ezvakatipoteredza, kodzero dzevanhu, maonero ezvitendero kana izvo zvinoonekwa sezviito zvetsika (kana kuti kudzivisa izvo zvinoonekwa kuti ndezvorudo neveSRI, sewaini, fodya, kubhejera, zvombo, zvombo zvehondo, kana zvinonyadzisira).
Sangano re SRI rinogona kutarisa midzi yawo kumashure ma1700 apo John Wesley akatanga nheyo yeMethodisti (Chechi yeMethodist) uye zvakananga nemharidzo yake "Kushandisa Mari," iyo yakagadzirisa kusaita-kusakuvara kune muvakidzani wako kuburikidza nebhizimisi maitiro evanhu investing.
Imwe yenzira dzakanakisisa dzekutsvaga mari ye SRI ndeyedzimwe mari . SRI mari inonziwo mari inoshamwaridzana nevanhu uye inowanzorega "zvitadzo" zvinodhaka zvewaini nefodya. Mimwe mienzaniso yakakurumbira inosanganisira Parnassus Workplace (PARWX) uye Calvert Conservative Allocation (CCLAX).
Maererano neParnassus mari, iyi ndiyo nzira yekutsvaga yePARWX:
IParnassus Workplace Fund ndeyevanhu vakasiyana-siyana, vekuAmerica, mahombekombe makuru, edzikinho yemari. Iko Mari inokurudzira kunyanya kusachengetwa kwekodzero dzekodzero dzekambani dzemabhizimisi makuru ane nzvimbo dzisina basa dzekushanda. Makambani ane maitiro akanaka emabasa anowanzokwanisa kuunganidza nekuchengetedza vashandi vari nani, uye kuita panzvimbo yakakwirira kudarika makwikwi maererano nehutsva, kubereka, kuvimbika kwevatengi uye kubatsirwa. Iko Chikwereti chinotorawo zvakatipoteredza, zvehupfumi uye hutongi hunozviisa mukutora mukuita zvisarudzo zvekutsvaga.
Maererano naCalvert, heino mazano ekutsvaga kweCLAX:
Iko Chikwereti "mari yemari." IFund inotsvaka kuzadzikisa chinangwa chayo chekutsvaga kuburikidza nekutsvaga mune imwe nzvimbo yechipatara cheCalvert chekusagadziriswa kwemari, mari yekodzero nemari yemari yemari inosangana neGwaro rekutsvaga kwekutsvaga, kusanganisira mari, kuchengetedza uye hutungamiri hwevanhu.
Sekupedzisira shoko rekuyeuchidza mukutsvaga nemiganhu: Ingova nechokwadi chekuti unochengetedza huwandu hwako hwose kune imwe yega yega kune zvikamu zviduku zvehuwandu hwekugovana kwako uye kushandisa mari yekusiyana-siyana, kwete yekutengesa nguva . Kuisa mari zvakanaka mumari yezvikamu kana ETFs, iwe unogona kutevera hutongi hwangu hwe5% hwekutsvaga kwekutsvaga , iyo inopa zano kuti usaisa huwandu hwe5% hwekutsvaga kwehupfumi yako mune imwe nzvimbo yekutengesa kana imwe nzvimbo yakanyanyisa.
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.