The Safest Investment
Pfuma inotsigirwa ne "kutenda kwakakwana uye chikwereti" chehurumende yeUnited States uye, sechikonzero ichi, dambudziko rekutsauka pazvikwereti izvi zvakasimbiswa ndezvisina chinhu. Kubvira pakutanga kwekugadzirisa hurumende muna 1776, mari yeUnited States haina kumbokwanisa kukundikana kubhadhara vatengesi vayo.
Hazvina kunyange hukama hwakachengeteka huri munyika hunoita kuti izvozvi zviitike. Kana chinangwa chenyu chekutanga ndechokuti urege kurasikirwa nemari yako, pfuma ndeyako. Paunotenga mari yemari, bhandi, kana nhamba, iwe unogona kuva nechokwadi chokuti yako huru ichadzorerwa nenzira yakakodzera, pamwe chete nezvose zvinofanirwa izvo zvinofanira.
Asi chokwadi chokuti mari yako yekutsvaga yakachengetedzwa haina kureva kuti pfuma inenge isina ngozi-isina. Kutaura zvazviri, kuchengetedza zvivigiro zvinokonzera njodzi dzakangwara sehutachiona hwehutengo, chikwata chekuda mari, uye mukana wekuwana.
Inflation Risk
Kana kuwedzera kwepabhesi kuchikwira, kukosha kwekutsvaga kwehupfumi kwako kunogona kuderera. Izvi zvinonzi kutengesa kwemazana . Funga, somuenzaniso, kuti une pfuma yehupfumi inobhadhara chikwereti cha 3.32%. Kana uwandu hwekutsvaga kwezvibereko hukwira, uchiti, 4%, iwe wekutsvaga hausi "kuchengetedza nehupfumi." Kana kuti uzviise nenzira imwe, kukosha kwemuwandu wawakaisa muhutano huri kuderera.
Iwe uchatora chikwereti chako kana hutano hukura, asi huchava hwakakosha.
Imwe nzira yekuderedza dambudziko iri ndeyekutsvaga muZVANHU - Imotokari yeMari yeDhipatimendi yeMariki inonzi Treasury Inflation-Kudzivirirwa Chekuchengetedzwa - kana, zvakare, kuisa mari mumashandisirwo emari anobata TIPS. Nokuda kwezvakabatsiri uye kusagadzikana kwebato rezvemari MAZANO, verenga nezvehutano nehutano hweTIPS mutual funds .
Nharaunda Yehuwandu Ngozi
Dambudziko rechipiri rekuchengetedza zvivigiro chikwata chekuda mari . Kana iwe uine kuchengeteka kusvikira mukukura, rubatsiro rwehuwandu hwehutachiwana harusi chinhu. Iwe uchadzoka zvakare mukuru mukuru pakukura. Asi kana iwe uchitengesa mari yako yehupfumi usati wakura, iwe unogona kutadza kudzorera mukuru wawakaripa.
Yeuka, mitengo yezvisungo ine ukama hwakasiyana nehuwandu hwezvikwereti. Apo imwe inomuka, imwe inowira. Kana uchienzanisa, iwe wakatenga 4% mari yepamusoro makore maviri apfuura uye ikozvino, nokuti mari yezvibereko inowanzosimuka, imwe mari inofanirwa mari inofanirwa kuripa chikamu che5%, 4% yako yemari inotengeswa inotengeswa pamutengo uye zvingasazodzoka zvose yemari yepamusoro yakabhadharwa. Ichazobviswa, chokwadi, kusvikira chibereko chezvino chiripo kana chakanyanya kuenzana ne 5% rubhadharo inobhadharwa pane pfuma yakafanana inobudiswa zvino. Zvichienderana nezvinodiwa nehuwandu hwechikwata, izvi zvinogona kukonzera kurasikirwa kukuru.
Mukana Mari
Pfuma yakachengeteka zvokuti haifaniri kubhadhara zvakawanda kuti zvikwekwe vatengesi. Somugumisiro, zvibereko pahupfumi zvinowanzokundikana kune zvibereko kunyange zvakachengeteka zvikuru, Aaa-rated chikwereti chekambani. Izvozvo hazvibhadhari mari, asi zvinogona kukupa mukana wekudzoka kwakakwirira mune imwe shandiso.
Uyu mukana mari , mutsauko pakati pezvaunowana pamari yekutsvaga uye izvo zvaungadai wakazviwana kudai waive uine mari mune chimwe chinhu. Mukana wekuchengeta zvishoma kudarika mari shoma mumabhengi ekuchengetedza , somuenzaniso, inowanzoonekwa sepamusoro-soro kune vanenge vatyairi vose.
Pfuma inowanikwa nehuwandu hwemari yepamusoro kupfuura yekodha yekuchengetedza. Asi kazhinji havabhadhari zvakawanda. Kana iwe ukasimwa mune pfuma, iwe unenge nguva dzose unogona kunge wakaita mari yakawanda nedzimwe mari yakachengetedzwa yehutano. Ichi ndicho chimwe chezvipingamupinyi chikuru kune vashandi vemari - kuti mukutyisawo njodzi, vakaisa mari yakawanda mumadhora mashoma ekuda mari.
KUDZIDZA: Iko kuenzanisa hakupei mutero, utsvaji, kana mari yemari uye mazano. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kubvumira kusangana nematambudziko kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru.