Pane Chete Chimwe Chine Mutengo weMutual Fund Makambani Ane Zvakanakisisa Hakuna-Mitoro
Hakuchina huwandu-hunokodzera-wese mutual fund yemhuri kana kambani yekutsinhanisa. Nokudaro hapana imwe nzira yekuenda nayo yekuwana yakanakisa-yega yega yekutengesa. Asi iwe unogona kuderedza zvisarudzo kuburikidza nekufungisisa izvo zvinonyanya kukosha kune mutengesi akachenjera - zvakasiyana-siyana zvezvisarudzo, kushandiswa kwemari shoma, ruzha rwekutsinhanisa mafilosofi uye hutano hwehutano kutumidza zviratidzo zvishomanana zvekukosha.
Nezvo zvakataurwa, urongwa urwu hwusina mutoro wezvikwama zvemhuri hauna kusikwa nenzira yezvesayenzi (semuenzaniso purogiramu yehuwandu hwehuwandu hwehuwandu hwezvinhu) asi iwe unozvininipisa mutendi mari yekushandisa yakashandisa maonero ehutano, ehutano hunobva mumakore ehupenyu se rubatsiro rekutsvaga mari uye wezvokuita mari. Kuti zvive pachena, ndakashandisa pamwe chete mari kubva kune yese inotevera mhuri dzemari, kana nekuda kwebasa rako pachako kana kune mazano kune vatengi kana zvose.
Vanguard Group, Inc: The Low-Cost Index Master
Iwe haugoni kuwana chero nyore, yakadhura-siyana uye yakasiyana saVanguard . Uyu mhuri yemari inotengeswa nemari inowedzera mukurumbira pakati pezviiti-iwe-iwe (DIY) vanhu vane rudo nekuyemura kumutsigiri John C. "Jack" Bogle mararamiro evanhu vane pfungwa dzekuita mari. Kuzivikanwa kwake kwemafiropu kunopindirana neEfficicient Markets Hypothesis (EMH) , iyo inonyanya kutaura kuti ruzivo rune ruzivo pamusoro pekuchengetwa kwezvikwereti, zvakadai sematokari, zvatova kugoverwa mumitengo yevimbiso iyoyo.
Nokudaro hapana huwandu hwekutsvaga hunogona kupa mubhadhari muganhu pane vamwe vatengesi.
Bogle angati, "Kana iwe usingakwanisi kurova pamusika, ita izvozvo." Kutora huchenjeri uhwu nhanho iri mberi, Bogle inonyatsoratidza kune vateveri vake, vanozivikanwa se "Bogleheads," uye kune nyika inotengeswa nehupfumi kuti mari inosanganiswa nekutengeserana kwekutengeserana inokonzera pamitambo, kunyanya kwenguva refu.
Vanguard's oldest fund ndiyo Wellington Fund (VWELX) uye mari inonyanya kuzivikanwa ndeyeVanguard 500 Index (VFINX), iyo inoratidza mari inofanirwa kuenderera mberi (uye kuchengetedzwa kwakawanikwa mukati) S & P 500 Index .
Kana iwe uri rudzi rwemari asi asingadi kupedza nguva achiongorora mari pamwe chete uye iwe unofunga kuti passive-managed index index uye Exchange Traded Funds (ETFs) ndiyo yakanakisisa midziyo yekuvaka chikwereti chekugadzirisa mari, Vanguard ndiyo chete inobatana kambani yekambani yaunoda. Kana uchida mamwe ruzivo kuti uite chisarudzo pamusoro pekutsvaga kwekutsvaga index, chengetedza nyaya, Nei uchida mu Index Index .
Kuvimbika Kwekutsvaga Kwekutsvaga: Iko Guru Retirement Services Company
Kutendeseka Kwemari inonyanya kuzivikanwa sehurumende yehurumende yekambani uye mupi wehutano hwekurega basa nemishonga, yakadai se 401 (k) zvirongwa uye IRAs, pamabhizimisi nevamwe. Kutendeseka, kwakatangwa muna 1946, ndeimwe yenyika dzakawanda dzenyika dzakawanda dzemari dzesangano rezvemari munyika.
Kusiyana neVanguard, Kutendeseka kunowanikwa nevanhu, izvo zvingakanganisa huzivi hwehutano hwesangano. Semuenzaniso, vagoveri vekutendeseka chikwama vanoda kuona kuwedzera kubudirira. Saka chinhu chakakura chechinangwa cheFidelity ndechekukwezva mari yakawanda nekukwevera vamwe vatengi.
Ichi ndicho chikonzero iwe unoona uye unonzwa zvakawanda zvemashoko ezveshumo kubva kune Fidelity kupfuura kubva kuVanguard.
Hapana chakakanganisika nekunowedzera kubatsirwa. Zvisinei, mamwe mari anogona kukwezva mari yakawanda zvakadaro zvokuti haasakwanisi kufamba mumisika uye nekunyatsobudisa zvinyorwa zvingave zvakamboita munguva yakapfuura. Funga nezveKutenda kwaMagellan Fund (FMAGX). Ikozvino inofanirwa nemari mutevedzeri wemari, Peter Lynch, akaita zvakanaka pakusarudza zvikwata munguva yema1980 kuti yakava guru rehomwe munyika yose (iyo mari yakakura kubva pamadhora makumi maviri emadhora muzvinhu kusvika ku $ 13 mabhiriyoni panguva yekutora kwaLynch). Kubvira panguva iyoyo, Magellan akaoma. Nenzira yakanaka, Kuvimbika kune mumwe munhu akakurumbira uye ane simba muFidelity Contrafund (FCNTX), akatungamirirwa naWilliam Danoff anoremekedzwa zvikuru.
Kuvimbika kunokodzera kurumbidzwa nekuda kwekuita zvakasiyana siyana zvezvisarudzo kupfuura zvikwama zvizhinji zvemari.
Vane sarudzo yakazara yeongorori yemari uye ETFs inokwikwidzana naVanguard uye vane sarudzo huru yemari yakachengetedzwa yakajeka iyo inomiririra zvikwereti zvose zvekubhadhara pamwe chete nemari emunzvimbo .
Zvinofanira kuonekwa kuti kwete yese yeFidelity's money haisi-mutoro. Ivo vanewo mazano ekugovera uye mari yakatakurwa .
T. Rowe Mutengo: Chimwe Chetsika kune maGiants
Thomas Rowe Price, Jr akatanga sangano rake rekutsvaga mari muna 1937 zvichienderana nekukura kwake mafirosi ekutsvaga mari, iyo inotarisa pamatokari emakambani anotarisirwa kukura paanowedzera nokukurumidza maererano nevose mushambadzi. T. Rowe Price ndiyo inofarira pakati pevanhu vanoita-iyo-iwe pachako nokuda kwekusimiswa kwekambani yekutsvaga kwehupfumi kusarudzwa kwehutano pasina-mutengo wemari pamwe chete, kusanganisira mureza wavo, uye iyo ine yepamusoro yezvinhu zvose, T. Rowe Price Growth Stock Fund (PRGFX). T. Rowe Price inewo mamwe emhando dzakanakisisa dzeS & P 500 Index Fund uyewo kusarudzwa kwakasiyana-siyana kweimwe mari isina mutoro, kusanganisira kumira T. Rowe Price Health Sciences (PRHSX), chimwe chezvikamu zvakanakisisa zvinoshandisa mari mune mutual fund zvose.
Pacific Investment Management Company (PIMCO): Best in No-Load Bonds
PIMCO inoshandiswa kwekuchengetwa kwemari inosungirirwa inoshandiswa nekodzero yebhadhadzi yemari, William H. ("Bill") Gross. Mutungamiri Gross anoronga PIMCO Total Return (PTTDX), iro ndiro guru guru rehurumende, pamwe nemamwe mari, kusanganisira yakakurumbira Harbour Bond (HABDX). Kana asingashandisi kuti agadzirise zvikwereti zvake zvakagadziriswa, anoramba achishingaira kutaura uye kunyora. Mutemo weGross Investment Outlook kubva kuPIMCO unowanikwa zvakanyanya nokuda kwenyika yake uye mazano pamusoro pehupfumi nemisika.
Charles Schwab: Broker Discount, All-in-One Fund Company
Iwe unogona nyore nyore kuzarura kambani yekutengeserana kuVanguard kana Fidelity, apo iwe unogona kusarudza kubva kune zviuru zvehurumende yemari, kunyange iyo inobva kumakwikwi emakambani ehurumende. Zvisinei, Charles Schwab angave akaisvonaka zvakakwana mubhadharo mutengesi uyo anopa purogiramu yakazara yemari, mari, masangano, uye masangano kune vatengesi vekutsvaga vose munzvimbo imwe chete. Sezvo shanduro yakakurumbira yekukurudzira inoti, "Unoda kubatsirwa? Bvunza Chuck!"
Yakatangwa muna 1971 pasi pezita rokuti First Commander Corporation, Schwab akatanga kupa rubatsiro rwekutengeserana kune vamwe vanhu pakuderedzwa muna 1975. Nguva iyoyo isati yaitika, kuisa mari mumusika wekutengesa kwaionekwa sokutanga somunhu akapfuma.
Nzira Yokutsvakurudza uye Kuwana Yakanakisisa Izvo-Izvo Zvokubhadhara Mari
Kuongororwa kwemari pamwe chete kunogona kuitwa nyore nyore neshandiswa yakanaka yekutsvakurudza iri paIndaneti. Pasinei nokuti iwe uri mutangi kana purogiramu uye kana uri kutsvaga kutenga zvakanakisisa kwete-mutoro wekubhadhara mari, chengetedza mari iripo, kuenzanisa uye kuronga mari yakasiyana-siyana kana uri kungoedza kudzidza chimwe chinhu chitsva, mutual fund research sites, zvakadai Mambakwedza , inogona kubatsira uye iri nyore kushandisa. Tsvaga "zvikwangwani" pamashandisirwo avo emitambo inobvumira mutengi kuti awedzere kutsvaga kwavo kusina mutoro uye mari inoremedzwa. Yakawanda ye online mutual fund yekutsvakurudza nzvimbo inoda kuti iwe ubhalise "yekusununguka" kana "premium" kuwana.
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.