Mutual Funds Inobata Basa Rakanaka Rokuenzanisa Nengozi nekudzoka
Shoko rokuti "rakachengeteka" rinoreva nguva. Kana iwe uchida kutenga mari inosimbiswa kuti haufaniri kurasikirwa nehuwandu, haugoni kuwana chero chinhu chinogona kunyatsotsanangurwa sekutsvaga, sezvikwata, zvisungo pamwe nemari inobhadhara ine ngozi yekurasikirwa mukuru.
Kana iwe uchida mutungamiri mukuru, iwe uchaisa mari yako mubhangi rebhangi kana chikwata chekuisa (CD). Asi mukutsinhana kwechivimbiso, iwe uchava neropafadzo yekuwana chimwe chinhu chinowana mari inopfuura 1%, zvikuru kana iyo FDIC ichichengetedza .
Hapana chinhu "chakavimbiswa" (kunze kwechinguva chiduku chinoshandisa inshuwarisi michina nemari yakavanzwa) iyo yandakaona mumakore angu ose gumi nemashanu semuridzi wekutsvaga mari inopa mari yakakwirira kudarika kuwedzera kwenyika, iyo inenge yakapoteredza 3%. Kana iwe uri kuwana chimwe chinhu pasi peizvi, uri kuita chimwe chinhu chandinoti "kurasika mari zvakanaka."
Pfungwa inokosha yekuisa mari ndeyokukura upfumi, izvo zvinogona kuitwa chete kubudirira kuburikidza nekuwana muwandu wehutano hwekudzoka hunokuvadza kuwedzera kwekufamba kwenguva. Kana iwe usiri kuita izvi, mari yako ichave yakakosha mune ramangwana kupfuura nhasi. Ndizvo chaizvoizvo kurasikirwa nemari! Izvi zvinokodzera here tsanangudzo yekuchengeteka?
The Safest Mutual Funds Unogona Kutenga
Usati watanga mienzaniso yemari yakachengeteka yakawanda, ngatitsanangurire zvatinoreva nekuchengeteka.
Chokutanga, rangarira kuti kuchengeteka hazvirevi nguva dzose zvinoreva; kuchengeteka kazhinji zvinoreva kudzivirira kuchengetedza kwako, izvo zvinosanganisira kugara mberi kwekuwedzera kwezvinhu. Saka, zvisingaiti, kuti ugare wakachengeteka kubva kune zvishoma, iwe unoda kutora zvishoma zvingangova pangozi. Kana zvisina kudaro, iwe ucharasikirwa nemari nenzira inogona kufungidzirwa kubavha kwepamutemo - apo mabhangi ane mari yako uye anokubhadhara chikwereti chiduku kana achiisa mari yakakwirira kana kuibhadhara kune vamwe vatengi vebhangi pane yakakwirira muzinga.
Asi zvakare, kuti uwane kudzoka kunowanzopfuura kuwedzera kwehuwandu hwekuwedzera, unofanirwa kutora dambudziko rakadaro, kureva kuti iwe unofanira kunge uchida kugamuchira kupera kwenguva pfupi pamusika wekutengesa kuitira kuti ugamuchire kuwirirana kudzoka kunopfuura 3% kupfuura nguva.
Iko mari yakachengetedzeka yakachengeteka iyo inokwanisa kuenzanisa kana kuramba iri mberi kwekuwedzera kwezvinhu kuburikidza nedhidiki diki ibhidha mari . Ichokwadi, pane imwechete yeboka yehutano iyo inowanzoshandiswa sechinofananidzira kune izvo zvinonzi "dambudziko risina mungozi" uye ndiyo US Treasury Bonds .
Zvisarudzo zvishomanana zvakanaka zvemari yezvisungo zvinoshandiswa muUnited States Treasury bonds ndezveVanguard Short-Term Government Bond Index ( VSBSX ) uye Fidelity Intermediate Government Revenue (FSTGX). VSBIX yakangogara iripo kubva muna 2010 asi 2013 yakaona kurasikirwa kwe2% kune mari yakawanda yezvisungo uye iri mari yakaramba iine kudzoka kwakanaka kwe 0.29%. FSTGX yakarasika 1.26% gore iroro asi inogona kunge yakasvika pakati pe3% ne4% yezvenguva refu yekudzoka, asi VSBSX haigone kuwana zvinodarika 3%.
Cherechedza kuti ndakataura "kurasika" nemari iyi. Nemhaka yokuti mubhadhari haasi kubata zvibvumirano (ivo vari kubata zvikamu zvehurumende yehurumende), mari yezvisungo inogona kurasikirwa nemari , kunyange zvazvo muvharo wehurumende yehurumende ichangosara kwenguva pfupi inokosha mukati megore rimwe remakoreti kubva munenge makore manomwe kusvika gumi.
Nokuda kwechikonzero ichi, nguva yekutsvaga kwekutsvaga kwemakore masere mitatu yakakosha yekutsvaga mari yezvisungo.
Best Mutual Funds for Stability
Apo varairimi vanoti vari kutsvaga kuchengeteka, vanowanzoreva kuti vanoda kugadzikana mumutengo kana kuderedza kuchinja kwechikosha. Mhando dzekugadzirisa mari yekuchengetedza dzichawanzove mari yakaenzana kana mari inotarisa-zuva yekurasikirwa mari , iyo inowanikwa mari inoshandiswa mumari yezvikwama, zvisungo nemari, kana mamwe mari pamwe chete, mune imwe mari.
Dzimwe nguva inonzi "mari yemari," mari yakaenzana nemari-chinangwa-mari yemari inogona kusiyanisa kubata nenzira yakadai kuti kurasikirwa kunowanikwa asi nguva refu inodzoka yakakwirira kudarika mari yakawanda yezvisungo.
Imwe yemari yakanakisisa yakarongeka ine nhoroondo yekudzoka yakadzika pamusoro pemutengo wekuwedzera kwezvinhu ndeyeVanguard Wellesley Inowanikwa (VWINX). Rimwe remakore rakaipisisa kwematokari raiva muna 2008, apo S & P 500 Index yakadarika ne 37%.
VWINX yakarasikirwa ne 9,8% chete, iyo inokwidza 90% yezvose zvakachengetedzwa zvekugovana mutual funds. Kudzoka kwenguva refu (makore gumi kana kupfuura) inosvika anenge 7%. Mumashoko akasiyana, murimi ane murwere asingafungi kuti kurasikirwa kwese kamwechete kune 10% mugore rimwe chete kubva kune makore anenge 10, asi vachiri kutarisa kushandiswa kwemakore annualized zvikuru kupfuura chiyero chekuwedzera kwezvinhu kunogona kuona VWINX.
Nekutsvaga-zuva rekubhadhara mari, mari yakaderera zvikuru, mari yakawanda yakawanda inowanzove iyo ine chinangwa chegore gore rinosvika gore razvino. Somuenzaniso, sezvandinonyora izvi, gore ra2015. Kuti ndiwane mutengo wakanakisisa, ndinogona kusarudza mari yakafanana neVanguard Target Retirement 2015 (VTXVX), iyo inenge yatochengetedza (paine 45% yemashesi, 45% zvisungo uye 5% mari kubva munaJuly 2015), uye zvishoma nezvishoma achawana zvakanyanya kuchenjerera sezvo nguva inopfuurira.
Pasi pepamusoro pakutsvaga kwekuchengetedza uye kugadzikana
Usati wasarudza kuita kuti iwe unotarisira kuchengeteka kana kugadzikana, iva nechokwadi chokuti unoziva zvaunoisa pakutanga. Kana iwe uchida mari yako mumakore mashoma matatu, hausi iwe unofarira kuisa mari mukati memari. Uye kana chinonyanya kukosha kuchengeteka, uye iwe usingafungi kuwana mari yekuswedera-zero, mari pamwe chete haisiyo yakanakisisa sarudzo.
Asi kana iwe uchida kuramba uine (kana kuti kunze kwepamusoro) kutengesa nemari yako, unoda kutora dambudziko rakadaro uye unoda kuona kuora kwekusingaperi asi kusingadzivisiki.
Kana iwe usingazivi kuti ingozi yakadini kwauri, edza kuenzanisa kushivirira kwako kune njodzi .