Matanho ekutenga Mutengo Wemari Kubvira Pakutanga
Kusarudza Nzvimbo Yokutenga Mutual Funds
Kunyange zvazvo iwe unogona kutenga mutengo wemari kuburikidza nekatsika broker, yakadai saCharles Schwab kana Scottrade, nzira yakanakisisa yekutenga mutengo wemari ndeye mutual fund company.
Asi iwe haudi kutanga neine chero mutual fund kambani; iwe unoda kuita zvishoma kutsvakurudza kuti uwane kambani yakakurumbira ine sarudzo yakasara yebhadhari-yebhadharo, yepamusoro-mutengo yemari pamwe chete.
Tanga tsvakurudzo yako neimwe yemakambani asingakoshi-mutoro mutual fund , akadai saVanguard , Fidelity, uye T. Rowe Price. Hapana-mutoro wekutengeserana mari hauna mari yekutengesa, inonzi mitoro, inogona kunge yakakwirira se 5.75% yekutenga. Nokudaro, kana uchitenga mari isina mutoro, uri kutenga chikamu usina kubhadhara mitoro. Uyewo, makambani aya ehurumende anobhadhara mari yakawanda yakasiyana-siyana nemari shoma, iyo inotaridzwa nehuwandu hwemari . Semuenzaniso, vazhinji veVanguard mari vanoshandisa mari iri pasi pe 0,30%, iyo iri $ 30 ye $ 10 000 inotengeswa, asi mapeji ekubhadhara mari akawanda akawanda anopfuura 1% kana matatu katatu yeVanguard's. Apo iwe unogona kuchengeta mari shoma, uye kutenga mari yakanaka panguva imwe chete, nguva yako yekudzoka kwenguva refu inogona kunge yakakwirira.
Kuchengetedza Zvokutanga Mutual Fund Kutenga
Yakawanda mari yekutengeserana ine izvo zvinonzi kushandiswa kwekutanga kutengesa, iyo ndiyo mari yaunoda kuve yakachengetedza usati watenga chikamu chekambani yako yekutanga. Makambani akawanda ehurumende yekutengeserana ane zvishoma zvishoma kutenga kushandiswa kwemadhora anosvika $ 1 000. Semuenzaniso, vazhinji veVanguard mari yekutengeserana vane zvishoma zvishoma kutanga kutengesa zvinoda $ 3,000.
Kuvimbika kwemari inowanikwa pa $ 2,500. Zvisinei, kana iwe uchitenga kutenga kwako kokutanga, kutenga kwekupedzisira kwegadziro imwechete kunowanzosvika se $ 100.
Nokudaro mukugadzirira kuita yekutanga kutengesa mari, iwe uchada kuchengeta zvakakwana kuti uvhare zvishoma.
Kuvhura Nhoroondo Kuda Mutual Funds
Kana iwe usati uine kambani yekutsvaga kwekutsvaga mubhizimisi rekwereti kana mutual fund kambani, iwe unoda kuzarura imwe usati wakagadzirira kutanga kutenga kwako. Kuvhura nhoroondo hazvidi mari; zvose zvaunofanirwa kuita ndezvokusarudza kambani yaunoshandisa iwe nekutevera maitiro avo.
Kuzarura kambani yekutsvaga kwekutsvaga kunoshamisa zvikuru kune dzimwe makambani ekubatanidza mari. Nzira inonyanya kuzarura kambani iri paIndaneti. Ruzivo runodikanwa runosanganisira zvinhu zvawave uchiziva, zvakadai sezita rako, kero, zuva rokuberekwa, nekuchengetedzwa kwenuzhinji nhamba.
Iwe uchazofanirawo kuziva kuti ndeapi iyo yenyaya yakakosha kuti iwe uwane mari yekuda. Heano ndiwo mazita ezvinyorwa uye maitiro avanoita:
- Bhuku Rekushandura Kwemunhu Mumwe Nomumwe: Iyi ndiyo nguva yakawanda yekwereti yekwereti yakagadzirirwa munhu (mumwe chete). Mipiro haisi mari inotambiswa, uye vatengi vanobhadhara mitero pamusoro pekuwana mari uye zvikamu. Kune zvakawanda pamusoro peizvi, ona nyaya ino pamusoro pemitero yemari pamwe chete .
- Joint Brokerage Account: Izvi zvinoshanda zvakafanana nekodha rega rekwereti yekwereti, kunze kwekuti kune vadziri vaviri vekambani, zvakadai sevakaroorana.
- Mari Yekubhadhara Mumwe Nomumwe: Inonziwo IRA, vanhu vakakodzera vanogona kupa michero isingabhadharwi. Kukura kune mutero-kunoderedzwa, izvo zvinoreva kuti vateereri vekambani havabhadhari mitero kusvikira zvisizvo zvigadzirwa.
- Roth IRA: Iri ibhuku rekushandira mari rinoshandiswa mari uye mushure mekutora mitero, zvinoreva kuti zvipo hazvirevi kutengesa mutero, sezvinoitwa neRRA. Zvisinei, kukura kune mutero-kutengesa uye kuparidzirwa kwakakodzera (kurega) hakuna mutero. Kune zvakawanda pamusoro peRoth uye tsika dzeIRA, ona nyaya ino pamusoro pekuti IRAs inoshanda sei .
Mari Yakanakisisa Yokutanga Vatengesi
Zvichida uri kutotanga kuisa mari kana kuti uchida kuvaka purofidho kubva pasi kusvika nenzira yakanakisisa, kune zvishoma zvekushandisa mari yakawanda kuitira kuti basa riitike.
Kusarudza mari yakanakisisa yekutengeserana mari kune zvakawanda kupfuura kutenga mabhizimisi anopfuura gore rakapfuura. Pane kudaro, vatengesi vakachenjera kuti vazive zvinangwa zvavo zvekutsvaga uye zvirongwa zveramangwana uye kugadzirira kwenguva yakareba hurongwa. Semuenzaniso, kana iwe uri kuchengetedza zvekurega basa, zvinogona kunge iwe nguva yako yekutarisa inopfuura makore gumi. Zvinoreva kuti iwe unogona kutora njodzi yakawanda, izvo zvinoreva kuti iwe unogona kunge uine zvakawanda zvekutsvaga mari yako yakabhadharwa kuhomwe mari pane mari yezvisungo .
Sezvo varairi vemazana vari kutenga mari pamwe chete kwenguva refu, uye vazhinji ndivo vanowedzera mari vanoda kutora mungozi yekuwana mari yakakwirira (asi kwete yepamusoro yematambudziko) tichaisa pfungwa pakuvaka chikwereti chezvikwata zvechinangwa chekutsvaga ( nguva refu, nguva huru).
Heano mamwe emari yakanakisisa yokutanga purojekti yemazuva mazhinji:
- S & P 500 Index Chikwereti : Mari yekuenzanisira inogona kuva nzvimbo yakanaka yekutanga kuvaka purofigore yemari yemari yakawanda nokuti vazhinji vavo vane mari yakaderera zvikuru uye vanogona kukupai pachena kune vakawanda kana mazana ematokari anomiririra maindasitiri akasiyana mune imwe mari. Sezvo zita ravo rinoratidzira, kuratidza mari zvinongobata zvigadziro zvakafanana zvinowanikwa muhurukuro. S & P 500 Index Index inowedzera mari inenge mazana mashanu emakambani makuru eUnited States. Nhepfenyuro yemari inoshandiswa zvisina kukodzera, zvinoreva kuti chinangwa chavo chekutanga ndechokufungidzira kusungirirwa uye kushanda kweenzanisi uye naizvozvo mari yekushandisa mari idzi dzakanyanya kuderera. Saka, iwe unogona kusangana nechinangwa chekutanga chekuwana mari yakaderera, yakasiyana-siyana mutual fund apo iwe unotenga mari yemari. Kuti uwane zvakawanda pamusoro pemari yekuenzanisira, tarisa Index Index Yedu Investing FAQ peji. Zvakare, makambani ekubatanidza mari akafanana neVanguard, Fidelity uye T. Rowe Price ndiyo nzvimbo dzakanaka dzekuwana mari yakanakisisa yemari. Unogonawo kutarisa Charles Schwab .
- Mari Yakaringana: Inonziwo hybrid funds kana asset allocation funds, izvi ndezvemari inoshandiswa mune imwe nyika inoshandiswa muhutano hwemari, masangano, uye mari. Kugoverwa kunowanzosimbiswa uye kunotengesa maererano nechinangwa chekutsvaga mari kana chimiro. Semuenzaniso, Fidelity Balanced Fund (FBALX) ine inofanirwa kugoverwa kwemafaji makumi mashanu nemasere uye 35% zvisungo. Yakatarisa njodzi yepakati kana kuti nyanzvi dzepanhau dzingave dzichiti chii chinyorwa. Vanguard inewo inonyanya kuenzanisira mari inoenderana nemari, Vanguard Balanced Index (VBINX), iyo inofanirwa kune vatengesi vachitsvaga ngozi yakaenzana. Mari yakaenzana inogona kuva yakanaka pakutanga vatengesi nokuti ivo vakanyatsosiyana-siyana uye vanogonawo kushandiswa semari yekuisa-voga kana kuti sevanonyanya kubata kuti vatange hurukuro yakakura.
- Target Date Mutual Funds : Iyi mari inoshandiswa mukusanganiswa kwematokisi, zvisungo, uye mari yakakodzera kuti munhu aite mari kusvikira kune rimwe gore, iro rinowanzotora basa. Sezvo gore rinotarisana richiuya, gurukota rekubhadhara richagadzirisa zvishoma nezvishoma kukanganisa kwemisika kuburikidza nekuchinja mari yemari kunze kwematokari uye kuva muzvisungo nemari, izvo ndizvo zvinotarisirwa nemunhu mumwe nomumwe. Saka, chinangwa-zuva mutual funds ndeye mutauro we "sarudza uye ukanganwe" kushandiswa kusingadi kuenderera mberi. Semuenzaniso, kana iwe uri kuchengetedza zvekurega basa uye uchifunga kuti ungasara kunze kwegore ra2035, chisarudzo chakanaka iwe unogona kuva Vanguard Target Retirement 2035 (VTTHX).
Kana ukasarudza yako yekutanga mutual fund, iwe uchava nesheyo yakatanga. Iwe unokwanisa kubva kuvaka pamusoro payo nheyo nokutenga mamwe mashomanana emari iyi uye pakupedzisira uwedzere mamwe mari emhando dzakasiyana-siyana.
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.