Kwatingawana Izvo Zvakanakisisa Izvo-Mahomwe Mari
Asi kuwana mari yakanakisisa kunogona kuva basa rakaoma kupfuura iwe unogona kufungidzira. Uye kutanga kwekutsvaga kwako kunogona kuva pamwe nemhuri yekudzivirirana yezvikwereti uye yakanakisisa kusarudzwa kwemari yekutakura.
Basics on No-Load Investing
Vazhinji vatyairi vemari vanoziva kuchengetedza mutero wekutengesa mari kana vachida kukwanise kudzorera kuburikidza nekuderedza mari yekutengesa mari . Vashandi vakawanda vanozivawo kuti vangasarudza sei mari yakabatana yemari. Asi mutengesi angawana sei mari yakaderera mari shoma asingatsvaki mari yose yehurumende yepasi rose kuti awane iyo?
Vashandi veMapuraneti vanoziva kuti kuve nyore, kuwedzera kune frugality, isimba rakanaka mune unyanzvi hwekugadzirisa mari pamwe chete : Zvose izvo zvinodiwa kuti zvivakwe zvakanakisisa mutual fund chikwereti ndosarudza imwe yakanaka isina-load fund mhuri uye sarudza mashanu kana matanhatu mari yavo isina-mutoro kubva kumarudzi akasiyana ekubatana mari .
Heano zvitatu zveMitambo yeHaisi-Load Funds Mhuri
Imwe mhuri yemari ndiyo inosanganisira zita reboka rezvemari inopiwa kubva kune imwe mutual fund company. Mari zhinji mari inopa mari yakasiyana-siyana asi haisi yose mari yemari inopa mari yakasiyana-siyana yepamusoro-soro mari-mutoro inobva kune imwe mukoti anogona kuvaka nzvimbo dzakasiyana-siyana .
Pano ndipo pandingawana zvakanakisisa kwete-mitoro:
- Vanguard: Tinotanga neVanguard nokuti vazhinji vasina-mutoro wevatengesi vanowedzerawo mari kune vashandi - vanoda kuchengetedza mari yekubhadhara mari zvishoma. Vanguard inonyanya kuzivikanwa nokuda kwekusarudzwa kwavo kwepasi-kudhura index index , iyo inozivikanwa nokuda kwekuderera kweDhose Ratios muzvinhu zvose zvekubatana mari. Kunyange zvazvo Vanguard inonyanya kuongorora mari, inozivikanwawo semari yakachengetedzwa-inotarisirwa , iinewo sarudzo yakawanda inogadziriswa uye Exchange Exchange Fund ( ETFs ) iyo inokodzera kudhura kwemafirosofi.
- Kuvimbika: Chimwe chezvikonzero zveVanguard's ultra-low expenses ndeyekuti mukuru wavo asingatengi mutoro, Kutendeseka, ane sarudzo yakasarudzwa yemari-mutoro inogara ichikwikwidzana nemari inotadzisa mari yakawanda mune mutual fund yose. Kunosanganisira zvose zvikamu zvekugoverana, Kuvimbika kune zvakawanda zvakasarudzwa nehurumende pane zvinyorwa zvedu zvakanakisa kwete-mutoro wezvikwama zvemhuri. Izvi hazvirevi kuti Fidelity ine mari yakanakisisa yemari asi kune zvakakwana kusarudza mukati mezvikwata zvakasiyana-siyana kuvaka imwe nzvimbo yepamusoro yehutano hwemari. Kana iwe uchida mari yekutsvaga asi iwe unoda mari yakachengetedzwa, Kutendeseka kunogona kuva sarudzo yakanakisisa kwauri.
- T. Rowe Mutengo: Kukura hakusi nguva dzose mune zvose zvekubhadhara mari. T. Rowe Price yakanyanya kuduku mumasikirwo uye kusarudzwa kudarika Vanguard uye Kuvimbika asi vane zvakawanda zvepamusoro-soro mari-mutoro inogona kubvumira mubhadhari kuvaka nzvimbo huru mune imwe mhuri yemari. T. Rowe Price ine mazita mashomanana chete emari asi sarudzo yakakwana yezvinyorwa zvakawanda. Ivo vanewo mari yakanaka yezvikamu uye avo -target-date mari inoshamisa.
Mukupfupisa, zviviri zvehukuru hwakanakisisa hwekubudirira mutual fund vatengesi dzinosanganisira zviri nyore uye frugality. Izvi zvinoreva kuti zvikamu zvekutanga zvemari yekuenzanisira - huwandu hwekuparadzanisa, sarudzo yakajeka, uye kudhura mari - dzinovaita iyo yakanakisisa yekutsvaga mari kune varairi vazhinji.
Uye iwe unogona kuwedzera kusvibiswa uye kufambisa kune yako yose mazano ekutsvaga mari: Hapana chikonzero chekutenga mari yakatakurwa; hapana chikonzero chekutenga mari inopfuura mashanu kana matanhatu, uye hapana chikonzero chekushandisa mari inopfuura imwe yemhuri.
Chimwe chezvikamu zvitatu izvi-kwete-mari yemhuri yakanyorwa pamusoro apa inokodzera kusangana nekudarika zvinodiwa zvevakachenjera zvikuru uye zvakanyanya kufanana kwevashandi vemari .