Makomborero ekushandisa Index Funds
Chii chinonzi Index?
Mutsara, pamusoro pekutsinhanisa, ndiyo shanduro yematokisi kana zvisungo zvinomiririra chikamu chakati chemari yemari.
Semuenzaniso, Standard & Poor's 500 ( S & P 500 ), inoratidzira inomirira mazana mashanu emakambani makuru eUnited States, akadai saWal-Mart, Microsoft uye Exxon Mobil.
Ndezvipi Zvakanakira Index Index?
Pane zvikonzero zvitatu zvinonyanya kukosha kuti vatengi vanofanira kufunga nezvekushandisa mari yekutsvaga mazano avo ekutsvaga mari. Izvo zvakakosha zvinowanikwa mari yekuenzanisira ndeyekushaya maitiro, kutapudza mari shoma, uye kuparadzanisa kukuru.
- Passive Management: Mutengo wemari unogona kushandiswa zvakasimba kana kutungamirirwa zvisina kukodzera.Muteja wemashandi anochengetedza zvikwata zvekugadzira mari, somuenzaniso, ari kutenga nekutsinhanisa zvikwereti nechinangwa che "kurova pamusika," inoyerwa ne imwe benchmark, yakadai seS & P 500 . Pane njodzi inokosha, zvisinei, kuti maneja anoshanda achaita zvisarudzo zvisina kunaka uye achanyatsoita S & P 500 (kupfuura zvikamu zviviri kubva muzvitatu zvemari yakachengetedzwa zvakasimba hazvirevi zvinyorwa zvenguva yakareba makore gumi). Kusiyana neizvi, mutungamiri wehurukuro yekutsvaga, iyo isina kunyanya-kutarisirwa, iri kutsvaga kutenga chete uye kuchengetedza zvigadziro zvinomiririra rondedzero yakatarwa nechinangwa chekufananidza nekushanda kwenzoro, kwete kuitsvaga. Mukupfupisa, chikonzero chekutonga kusina kunaka kune mutyairi anowanikwa mumashoko okuti, "Kana iwe usingakwanisi kurova 'em, shandisa' em. '
- Kudhura Kwakaderera: Kuchengeta mari shoma ndeye mukana mukuru wemari yekuenzanisa uye mari inodhura inoshandura kumitambo yakakwirira kune mutyairi. Iko mari shoma yehurukuro yemari ndeyemabasa ekutonga kwavo. Apo mameneja havasi kushandisa nguva yavo nemari vachitsvakurudza mathorosi uye / kana zvisungo zvekutenga uye kutengesa kune chikwereti chemari, mari yekutarisira chikwereti iri shoma kudarika iyo yemari yakachengetedzwa. Izvi zvinodhura kuchengetwa zvinozopfuurirwa kumudzimai. Nokuda kwechikonzero ichi, tsvaga mari yehurukuro nemari yakaderera mari yakaenzana.
- Kubvisa Diversification: Mumwe mukoti anokwanisa kutora kudzoka kwechikamu chikuru chemusika mune rimwe boka remari. Nhepfenyuro yemari inowanzotengeswa mumazana kana kunyange zviuru zvekubata; nepo mari inoshandiswa zvakasimba dzimwe nguva inoshandisa mari inenge isingapfuuri makumi mashanu. Kazhinji, mari ine huwandu hwezvigaro zvayo ine mikana yakashata yemakakiti kune avo vane zvishoma zvigaro; uye kurondedzera mari inowanzopa hutu hwekuchengetedzwa kune zvimwe zvidziviriro kupfuura vatevedzeri vayo vanogadzirisa.
Makambani anoremekedzwa zvikuru ane dzakasiyana-siyana zvekudhura-mari mari inoenderana neVanguard, Fidelity naCharles Schwab.
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 securitie s.