Dave akarurama pazvinhu zvakawanda asi pano ndiko kwaanowana Mutual Funds Zvakaipa
Kana iwe wakanga uri kuchengeta mari, uchiedza kubuda muchikwereti, kuisa mari mune mutual funds kana iwe sekuteerera kutaura hurukuro, Dave Ramsey haafaniri kuiswa sumo. Ndakanga ndiri mutereri wepakutanga wemari yake yemari redhiyo (kuratidzika kusvika pakati pemakore ekuma90) uye ini ndine yekutanga kudhindwa kwebhuku rake razvino rakakurumbira, Financial Peace , iro rinoramba riri pahoro rangu kusvikira nhasi.
Ichokwadi, Dave akakodzerwa nekubatsirwa nekubatsira kuti ndinzwisise uye ndinakidzwe nemari yemari, iyo yakazopedzisira yakatungamirira kumabasa angu semudzidzisi wekutsvaga mari. Ini zvino ndave ndakagadziriswa Financial Planner (TM) uye ini ndine mubhadharo-chete Registered Investment Advisory firm.
Izvi zvinoremekedzwa zvikuru naDave Ramsey, zvakasanganiswa nehuwandu hwehutano hwemari uye ruzivo rwezvemari ruzivo, zvinoita kuti ndive akakwanisa kupa ruzivo rwezvakanakisisa uye zvakashata zvekutsvaga kwekutsvaga kweDave (kunyange zvazvo asina ruzivo rwekutengesa zvigumisiro uye asingaiti zvechikoro "mazano ").
Zvakaita Dave Ramsey Anowana Zvakarurama
Ramsey, zano rekutsvaga kwekutsvaga uye mari yekugadzirisa guru, anopa vateereri varo vateereri vateereri uye vadzidzisi vekuverenga mazano mazano ekuronga mari nenzira dzakawanda asi anopa mazano asina kunaka pamusoro pemari pamwe chete. Dave inonyanya kukosha kune vateereri vake ndeyekuti shoko rake iri nyore, rinonzwisisika uye rinowanzofadza. Anotarisawo nezvehupfungwa hwemari; Dave anoziva kuti muvengi ari muvengi wakaipisisa kazhinji ivo pachavo.
Muhupenyu hwangu, ndinoziva kuti kana zvinangwa zvisingawanikwi uye zviri nyore kunzwisisa, vanhu vanokundikana kare kana havaiti kunyange kuedza kusvika kune chinangwa. Izvi ndezvechokwadi nezvinangwa zvemari, kudya kwezvokudya, mapurogiramu ezviitiro uye chero chinhu chipi zvacho chinoda kukurudzira, nguva uye kushivirira.
Kusaziva uye kukundikana kuita chiito kazhinji kunowedzera kuipa kwehutano mumari yevamwe pachako pane kushandisa zvishoma-kupfuura-zvakanaka mazano ekutsvaga mari.
Nokudaro, kuendeswa kweDave kusinganzwisisiki uye "matanho emwana" kune rusununguko rwemari kunobatsira mukuratidza vanhu muhutungamiri hwakanaka kupfuura huwandu hwakaoma kunzwisisa uye ruzha mune dzimwe nhengo dzebasa rezvemari pasi rose.
Zvisinei, maererano nekubatana kwemari mune imwe nzvimbo, Dave Ramsey yekutsvaga mafilosofi ari kuperera kune ngozi. Mutual fund investors vanogona kuwana mazano akanaka kubva muhurukuro yake yehurukuro asi ivo vakachenjera kunzwisisa mutsauko pakati pevaraidzo uye maitiro ekutsvaga maitiro.
Dave Ramsey Kuisa Philosophy
Kuti tive yakakwana, ngatitangei naDave's Investing Philosophy, kunyanya nezvekubatana kwemari, yakatorwa kubva pawebsite yake:
Dave anokurudzira mutengo wemari kune waunoshandira-kubhadhara mari yekurega mari uye IRAs yako. Gurai mari dzenyu muchiyero pakati pemarudzi mana aya emari:
- Kukura
- Growth & Income
- Kukura Kwechisimba
- International
Sarudza Actions (mberi kumuchete mutoro) uye mari iyo inenge makore mashanu. Vanofanira kuva nehutano hwakasimba hwekudzoka kunogamuchirwa mukati memari yavo.
Kana kushivirira kwako kune njodzi kuchiderera, zvinoreva kuti iwe une nguva shoma yekuchengeta mari yako yakaisa mari, uise pasi pe25% mukukura kwechisimba kana kufunga kuwedzera "Balanced" fund kumarudzi mana emari inoratidzwa.
Dave Ramsey Wakaipa Mashoma Kugoverwa: Ndezvipi Bonds?
Chimwe chezvinhu zvinonyanya kukoshesa mafairo ekugoverwa ndekuve nemhando inopfuura imwe yenyika. Dave Ramsey's 4-fund mix inosanganisira imwe chete yechipfumi; kune mari bedzi yemari, hapana mari yezvisungo kana mari ( mari yemusika kana kukosha kwakagadzikana ). Imwe mahofisi ane 100% ematokari haisi kukodzera kune vakawanda vevateereri veDave uye, mukufunga kwekuzvininipisa kwekutengeserana kwemari, mutengo wekugoverwa kwe 100% yemari yemari yakashata kune vanhu vakawanda pasi pano.
Dave Ramsey's 4-fund Mix: Kuparara Kunoderedza Diversification
Mune Dave Ramsey mutual fund investment strategy , anorayira vatengesi kuti vabate mari yekutengesana 4 mumakore avo 401 (k) kana IRA - imwe Growth fund , imwe Growth & Income fund , imwe Aggressive Growth fund uye imwe yepasi rose mari .
Ichi chikamu che-4-fund inokwanisa kuita zvakawanda, iyo inowanikwa apo muzvinamari ane zvikwereti zviviri kana kupfuura zvakabatana zvinoshandisa zvikwereti zvakafanana. Uchitevera muenzaniso waDave, fungidzira muchengeti asina ruzivo akatarisa 401 (k) chirongwa chavo, chinopa Vanguard mutual mari:
Chimwe chekuita mari yekutsvaga mari ndeyeVanguard S & P 500 Index (VFINX). Pakutanga mutengesi haazombozivi kana mari iyi i "kukura" kana "kukura nekuwana" kana. Uyewo, zvakadini kana imwe sarudzo muchirongwa ichi chaive Vanguard Growth & Income (VQNPX)? Ko mutyairi aizoziva here kuti paivepo ? Heino maitiro avanogona kuwana (kunyange zvazvo Dave angasavaudza izvi). Ivo (kana iwe) anogona kuenda kuMatestar.com uye kupinda mutsvaga yeVQNPX. Pane imwe peji peji reji iyo, tsvaga kubatanidza ku " Kuyera uye Njodzi " uye tora pairi. Kana uri pane peji iyoyo, pfugama pasi uye uchaona chimwe chinhu chinonzi R-squared uye kuti 99. Izvi zvinoreva kuti VQNPX ine 99% kuwirirana kune S & P 500 index index ; ivo vakangofanana!
Kuita kuti zvinhu zviwedzere, mutengesi anganzwisisika kufunga chero ipi zvayo yenyika yose mari inenge isingashandisi muzviwanikwa zvakawanikwa mukukura kwavo kwekumba kana kukura nekuwana mari . Zvisinei, kana mari yacho iine "nhamba yenyika ," inogona kuisa kupi pakati pe20% uye 60% muhomwe dzeU.S. Izvi zvinoita kuti zviwedzere kuwirirana (kuderera kudarika zvimwe).
Muchidimbu, Dave's 4-fund mix ingangodaro iine mararamiro akafanana seye chete kana maviri mari yemari . Kana uye uye kana mashizha eAmerica achiwa, kukosha kwekambani yemari inogona kuwira zvakanyanya kudarika kana vakave nekusanganiswa kwakasiyana kwemari yemari uye mari yezvisungo . Rudzi urwu rwekurasikirwa kwehuwandu hwebhuku ndicho chinokonzera vatengesi uye chinoita kuti varege kuisa mari zvachose.
Ndeipi Mari-Chechikwereti muDave Ramsey's Advice?
Mukutsvaga kwekutsvaga kwake, Dave anoti kushandisa maA shares ( akatakirwa mari ), zvinoreva kuti mutengesi achabhadhara mishoni kune mutengesi kana mutengesi wekutsinhanisa (mune IRA kana rekwereti yekwereti ). Sei Dave asingakwanisi kukurudzira mari-mutoro ? Kufungidzira kwangu kokutanga ndechokuti Dave anoudza vateereri vake kuti vashandise "Yakagadzirirwa Local Provider (ELP)". Uyu mutengesi kana mupiridzi wekuti Dave anorumbidza (kunyange ndichifungidzira kuti idzi ELPs dzinoshambadzawo paDave's show). Ndinoshamisika kuti nei asingadi kubatsira vateereri vake kuzvipira ivo pachavo kana kutaura kuti vashandise "mubhadhari-chete" mupi wezano anokwanisa kukurudzira pasina mari-mutoro - uye mubatsiri uyo anongobhadharwa nokuda kwemazano asina kufanira anopa uye kwete zvigadzirwa zvavanotengesa ?
Dave Ramsey Tsanangudzo Yekutambura Kwekukanganisa Zvakaipa
Dave anoti vashandi vangave vachida kugadzirisa chikamu chinoshungurudza chepodfolio kana kukanganisa kwavo kwengozi kwakadzika uye anoti kuisa mwoyo murefu kune vamwe "zvinoreva kuti une nguva shomanana yekuchengeta mari yako inotengeswa." Aiwa, nguva yakawanda ndeye nguva yevatengesi, iyo inotaridzwa kubva nhasi kusvikira pakuguma kwechinangwa chokutsvaga kana kuchengetedza chinangwa, chisina chokuita nekumanikidzirwa kwengozi. Icho tsanangudzo yechokwadi yekutambura kwekutsungirira kunoreva kuwanda kwematengesi emisika, kunyanya kusagadzikana (kumusoro uye pasi), mutengesi anokwanisa kutsungirira. Munhu ane makore makumi mapfumbamwe nemasere anogona kuva nekukanganisika kwepamusoro uye munhu ane makore makumi maviri nemashanu anogona kuva nekunyanya kushivirira. Kuwanda kwengozi mutyairi anokwanisa kutsungirira zvachose pamusoro pemanzwiro kana kunzwa, kwete nguva yakawanda.
Zvichida Dave Ramsey zvinorevei paanoti kusangana nekutengesa kune ngozi kune izvo zvandinoti "huwandu hwehutachiwana," iyo ndiyo yakawanda yemunhu anogona "kutora" kutora. Somuenzaniso, kunyange iwe uchifunga kuti uri muchengeti ane utsinye ( kukuvadzwa kwekutengesa kwepamusoro ), zvingave zvisina kuchenjera kuva ne100% zvekubvisa mari yako muzvikwata gore rimwe chete usati wagadzirira kurega basa. Saizvozvowo, kana iwe uine makore makumi mana kusvikira uchirasikirwa (nguva refu yakatarisa, uwandu hwehutano hwehutano) asi une urombo hushoma hutambudziro, haugoni kushandiswa zvakanaka nekuisa zvose yako 401 (k) mari mune mari yakachengetedza mari .
Ndakakupai mamwe mazano pamusoro pekugadzirisa mamwe mazano eDave mutual fund mazano asi muchikamu chechipiri chechikamu chedu pane Dave Ramsey's mutual fund mazano, tichavhara zvose zvakanakisisa pfungwa Dave anoyanirana nevateereri vake, pamwe chete nevakashoma aigona kuita basa rakanaka rokukurukurirana.
A List of the Basics Best of Investing With Mutual Funds
- Dzidza kuti ungagadzira sei chikwereti : Zvose kubva pahupfumi hunoendeswa kune huwandu hwekutsungirira kune huwandu hwepodfolio iko pano. Kana uchida ruzivo urwu rumwe panzvimbo imwe chengetedza nyaya ino. Zvisinei kana iwe uchida zvishoma zvidimbu, zvinyorwa zvinotevera zvinoputika zvakare ...
- Shandisa Core uye Satellite Purojekiti Yakagadzirirwa : Iri mutual fund rakagadziriswa sarudzo sezvinonzwika. Iwe unosarudza "core" fund uye unovaka mairi ne "satellite" mari. Semuenzaniso muenzaniso wakanaka ndeye S & P 500 Index fund , inenge inenge 40% inogoverwa, uye zvimwe zvikamu zvakasiyana-siyana, zvakadai seStock Stock , Small-cap stock uye Bond mari, inenge 10 kusvika 20% imwe neimwe.
- Iva Ichokwadi Kuti Uchishandisa Zvikwata Zvimwe Zvikamu Zvitsva : Izvi ndizvo zviri pamudziro weDave Ramsey kushaya simba kwekwamanikiti. Dave's 4 fund categori dzose dzakangofanana mune zvavanoita, izvo zvinoumba bhomba yenguva yakawanda yekutadza kusiyanisa kunonzi kunowanikwa . Somuenzaniso, 3 pamapoka mana Dave anorumbidza (kukura, kukura & kuwana uye kukurira kunotyisa) zvese zvingave zvikwata zvekushandisa mari . Iyi nzvimbo yemusika yaiva imwe yeiyo yakaipisisa panguva ya2008 kusvika 2009 yekutengeserana . Dhipatimendi yakasiyana-siyana inogona kudzivirira dambudziko iri.
- Ziva Tsanangudzo Yokutsungirira Nengozi : Sezvandareva peji 1 yenyaya ino, Dave anotsanangura zvakashata zvachose paanoti kusuruvara kwekutengesa kwengozi "zvinoreva kuti une nguva shoma yekuchengetedza mari yako." Nguva haina chokuita nekutsungirira! Nguva inotaridzwa mumwedzi kana makore uye kushivirira mafungiro, kunzwa kana manzwiro pamusoro pekukwira uye pasi kwekodzero yako yebhuku. Uyewo, kushivirira kwekuisa panjodzi kunowanzogadziriswa nemibvunzo inokwanisika inogona kusvika pane zvisingagumi. Somuenzaniso, mamwe emibvunzo anobvunza kuti unganzwa sei kana iwe wakarasikirwa ne20% yehuwandu hwebhuku rako pamusoro pemakore mashoma kana gore. Waizoita sei: Kutengesa ikozvino, kumirira uye usarudze gare gare kana iwe usingaiti chinhu? Izvi zvakafanana nekubvunza, "Waizoiteiko kana shamwari yako yepamusoro iri pangozi yemotokari: Sununguka kunze, gara wakadzikama uye umubatsire, kana kudana 911?" Hapana nzira chaiyo yekuziva kunze kwekuti iwe uchangobva kuve mumamiriro ezvinhu akafanana.
- Sarudza Nhaka Yakakodzera Kugadziriswa : Kana waona kuti iwe unotarisana nehutano hwakadini, iwe unogona kugadzirisa kugoverwa kwemari yako, iyo inosanganiswa yezviwanikwa zvekutsvaga-zvikwereti, zvisungo uye mari-iyo inosanganisira chikwereti chako. Nzvimbo yakakodzera yekugoverwa icharatidza hutano hwako hwekutambudzika, izvo zvinogona kurondedzerwa sechisimba (kuremekedzwa kukuru kune njodzi), kuenzanisa (kurema kwehutano husinganzwisisiki ) kana kuchengetedza (kukurumidza kushivirira kusangana).
- Dzidza Nzira Yokusarudza Mari Yakanakisisa Kwazvo : Dave Ramsey anobatsira vatangisi pavanonyanya kuvakurudzira kuti vashandise mari pamwe chete asi anopa tsanangudzo shomanana nezvekusarudza mari yakanakisisa . Zvose zvaunonyanya kuda ndezvenzvimbo yakanaka yekutsvakurudza ruzivo uye kurangarira kutarisa kudhura kwemajeri uye pamwe nekugara kwenguva yakareba nhoroondo yekushanda (makore mashanu). Uyewo, iva nechokwadi chokuti usingashandisi mari yemutoro , panzvimbo yeA share (yakatakurwa) mari Dave inoratidza pane webhusaiti yake.
Mienzaniso Yakajeka Yokugadzirisa Nhamba Yakanakisisa yeMutual Funds Kwako
Iko nguva dzose inobatsira kuita imwezve kudzokorora uye kuita mamwe mabasa epamba. Kana uchida nzira shoma yakanaka (nokuti ndinoziva kuti mutungamiri ari nyore ndeyekuti vanhu vazhinji vanofarira sei kudzidza), heino mamwe mapuritoriki ekuenzanisira:
- Ane utsinye (High Risk) Portfolio Muenzaniso : Izvi ndezvevatori venyika vane nguva yakatarwa yemakore gumi kana kupfuura uye vanogona kuchengetedza panguva dzekunyanyisa (ups and downs) yemusika.
- Mutevedzeri (Medium Risk) Purojekitoreti Muenzaniso : Izvi ndezvevatori venyika vane nguva yekugara kwemakore mashanu kana kupfuura uye vanogona kungobvumira kushanduka kwemashamba ekukosha kwebhuku.
- Conservative (Low Risk) Portfolio Muenzaniso : Izvi ndezvevatori venyika vane nguva yekugara kwemakore matatu kana kupfuura uye vane kuvhiringidzwa kwakaderera kwekuchinja kwehuwandu hwebhuku.
Kune imwe nzvimbo pawebhu, unogona kutarisa nyaya ino pamubhulogi, Mazano Mazano Akaipa , Zvimwe Zvinhu Dave Ramsey Akaita Zvakaipa. Iniwo ndinokurudzira kuverenga chikamu chemashoko chebhuku re blog pane mamwe maonero kubva kuvadzidzi.
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.