Unofanira Kusarudza Zvako Zvokutengesa Here? A 5 Chechipiri Muedzo Kuti Ukubatsire Sarudze.

Nzira Yakakurumidza uye Inyoreka Kuedza Kana Kusarudza Zvitoro Zvine Ngozi Kwauri

Chimwe chinhu chinowanzovhiringidzika kune varairi vatsva ndechokuti vanofanira kuedza nekuvaka chikwereti chemapurisa pachavo chemabhizimisi ega ega, kanawo, kuisa mune imwe nzira yakarongeka yakagadzirwa seyo mutual fund, kunyanya inodhura mari inoenderana nemari . Kunyange mubvunzo wacho pachawo unenge usina kukanganisa - pakupedzisira kunyange purogiramu yemunhu mumwechete inoumbwa nematokisi ega ega akachengetedza kuenzanisa zvakananga kuburikidza nekushandiswa kweimwe nzira-inounza pfungwa inokosha mukuedza kusarudza zvikwata zvepodfolio uye chikwereti chikamu chikamu pasina Kuziva zvaunenge uchiita zvinogona kunge zvinogona kukuvadza mumhuri yako yekodzero.

Kunyange zvakadaro, kune avo vanoda kuziva kana vachifanira kuisa zvakananga mumatokisi ega ega, mutemo wangu mukuru ndeyekuti kuisa mari kubudirira kwenguva yakareba kunouya kumushure mumwe chete, zvimwe zvose zvakaenzana: Kunyange iyo ikambani yakawanda inotyisa iwe kana iwe uchibhadhara zvakanyanya kwazvo nokuda kwayo. Muzvokwadi, unogona kushandura chero ipi zvayo yekambani yezwi; hazvina basa kana iwe uri kuisa muzvikwereti kana kuisa mari mune zvemaimba . Kuendesa pfungwa iyi kumusha, kukanganisa kukuru pane imwe nguva ini ndinowanzoona vatengesi vatsva vachiita havanzwisisi kuti chii chinoita kuti mutengo wemadhora uwedzere makumi emakore. Kuzvidavirira pamusoro peizvi, ndakagadzira chiyero chechipiri chechipiri chakandibatsira zvakanaka pakufungidzira huwandu hwehutano hwomunhu munhu kana achida kutora nzira yekuzviita iwe yekutsvaga kwekutsvaga.

Iko kuedzwa? Ndinobvunza mubvunzo unotevera: " Kana kambani inowana $ 1 mugove, hapana kubudiswa kunotarisirwa, iri kukura ne3% gore negore uye inotarisirwa kuzviita nekusingaperi (kungofambidzana nekutengesa kwezvinhu, iyo iriwo 3%), uye iyo Imari yemakore makumi matatu nemakumi matatu iri kubhadhara 5%, unofanira kubhadhara zvakadini mari yacho? "

Kana iwe usingakwanise kupindura mubvunzo iwoyo mumaminitsi masere, iwe hauna bhizimisi kuunganidza zvikwata zvepa podfolio yako. Pane kudaro, unogona kuwana nzvimbo dzakasiyana-siyana dzakasiyana-siyana dzemari yakaderera mari inodiwa zvakanyanya.

Sei ndinonzwa zvakasimba pamusoro peizvi? Nemhaka yekufamba kwenguva, mutengo wematengo unotungamirirwa nemari inowanikwa mugove wega uye kudzokera kwako kunobva pane zvawakabhadharwa mugove wega wega wezvikamu zvakatarisana neavo vanowana.

Icho chiri kuisa mari, muchidimbu. Kana iwe usingakwanisi kunditaurira kuti yakawanda sei "mutengo" we $ 1 yekuwana pane imwe nzvimbo yekuwedzera, iwe haugoni kutarisira kuita mari pfupi nemapofu. Iwe unenge uchingopinda mumutambo wakanga wakaputirwa pamusoro pako uye paunenge uchitarisana nehupfumi hwehupfumi uye kuchengeteka kwemhuri yako, iyo haisi nzira yakachenjera yekuita.

Kune avo vese vanofarira mhinduro yekuedzwa, zvinoenderana nehuwandu hwekudzoka iwe unoda. Mupfungwa iyoyo, mubvunzo unonyengera. Mumwe munhu akawana zvakakwana kuziva kuti kukoshesa sei chikwata ichizoziva mutengo waanofanira kumubhadhara kunobva pane kudzoka kwaanoda. Kana aida kuwana 15% pamari yake - kure nekupfuura kwenguva refu yadzo yakadzorerwa pamari - haaikwanisi kubhadhara mari inodarika madhora 8.58 pamutengo. Kana aida kuwana 12%, imwezve kudzoka kunofadza kunopfuura nhepfenyuro yezvakaitika kare, haaikwanisa kubhadhara mari inopfuura madhora 11.44. Kana aida kuwana 8%, aisakwanisa kubhadhara kudarika $ 20.60. Kana shamba iri kutengeserana, iti, $ 30, mutengesi anofanira kuziva kuti anofanirwa kutarisira chiyero chekudzoka kwe 6.43% mu nyika yehutachiwana husina maturo uye kuwanda kwezviyero kunze kwekuti chikwata chekuwedzera chinosvika pakukwirira kudarika chakafungidzirwa .

Inowedzera kujekesa pamagariro ako. Inogadza chirango pauri ..

Izvo zvidzidzo zvinoshandiswa mukuverenga kukosha kwemukati zvinodarika zvakapfuura kuwanda kwekutsvaga vatengesi. Unofanirwa kutaura, iyi miedzo inogona kukushandira zvikuru, zvakanaka chaizvo kana iwe uchisarudza kuti ungavaka sei chikwereti chako kunyange kana zvese zvichiita kuti iwe uzive iwe zvaizova nani pakuvaka nzvimbo dzakasiyana-siyana dzehupfumi yemari.

Iko Balance haisi kupa mutero, utsvaga, 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.