Uine mari inopfuura 10 000 mutual mutual, apo iwe unoenda kunotenga mari yekutengeserana, unotangira kupi?
Tanga nekudzidza izvo zvisiri kuita. Iwe ucharamba uchinyanya kubhadhara mutero iwe paunodzivisa zvikanganiso izvi zvishanu kana uchitenga mutengo wemari.
01 Mistake # 1: Kutsvaga Nheyo Yakakwirira Kupera Kwakaitwa Zvose-Nyeredzi
Semuenzaniso, Morningstar, kambani inotsvakurudza pamusoro pemari yemari, inotaura kuti imwe chete yakagadziriswa yepamusoro yekuita mari yakanga isiri yavo purogiramu yekugovera nyeredzi, asi mari yemari. Mari dzezasi dzinobatanidza zvakananga nemari yakakwirira yekuita. Index yemari ine mari yakaderera. Ivai vakangwarira mari yepamusoro yemari. Iko mari inobhadhara mari yeumwe munhu; kwete yako.
Chii chinoita kuti mari shoma shoma iende zvakanaka kupfuura kwenguva? Nokuti mari yakawanda yemari inowanzoita kutora nzira yakarongeka . Iko mari inofanira kubhadhara boka revanotsvakurudza uye maneja wezvikwata kuti aedze kusarudza mari yakaisvonaka. Nokuti chikwereti chinobhadhara vanhu vose ava, mari yacho yakakwirira. Izvozvo zvingava zvakanaka, kana iyo inodzoka zvakare yakaramba yakakwirira, asi haisi.
Vatungamiri vepamusoro gore rimwe chete havasi ivo vakakunda chete gore rinotevera. Ichi ndicho chikonzero nekufamba kwenguva, mari shoma yekubhadhara mari kana kuti iyo inonzi mari yekuchengetedzeka , iyo inenge iine zvikamu zvose zvekutsvaga panzvimbo pekuedza kusarudza uye kusarudza zvakanakisisa kudyara kubva kune chikamu chavo, ine mhinduro dzakakwirira. Mari yakaderera mari haifaniri kuwana mari yakawanda yekubhadhara vashandi vekutsvakurudza uye vaongorori vasati vadzokera kune zvadzo kune varairidzi.
Mari yakarongeka zvakakwana haisiwo mitero-inoshanda. Nemhaka yokuti mari idzi dzinotengesa nekutsvaga kutenga mari iyo inowedzera mari shoma shoma, iyo inobhadharwa pamutengo wepamusoro wepamusoro kudarika nguva yakareba yekuwana mari. Kana iwe ukawana mari yakachengetedzwa yaunoda iwe, yakanakisisa kuva nayo mukati meIRA kana imwe yeruzhinji inotariswa nekero apo iwe haugoni kuputika nehukuru hukuru hwekugovera kugovera gore negore.
02 Mistake # 2: Kutenga Mari neInsted Capital Capital
Paunenge uchitenga mari pamwe chete mune imwe nhoroondo isina kubhadhara mari, iwe unogona kudzivisa kupindira mari yepamusoro kuburikidza nokutenga mari inotarisirwa mitero, mari yekuenzanisira kana ETFs.
Pakupera kwegore negore iwe unogonawo kukohwa kurasikirwa nokuona kurasikirwa kukuru kwezvikonzero zvemitero kuburikidza nekuchinjana imwe mari yekutengeserana kune imwe mari yakadaro.
(Cherechedzai: iko kukanganisa kunongobatsira chete mutengo wemari unotengwa mune imwe nhoroondo isina kubhadhara. Mukati memakambani ekurega basa seIRAs, 401 (k) s, 403 (b) s, nezvimwewo zvirongwa zvekurasikirwa kwekambani, zvisinei nekutengesa izvo zvinowanikwa mukati kana pakati pekutsvaga muurongwa, haubhadhara mutero kusvikira watora mari.)
03 Mistake # 3: Kutenga Zvakawanda Zvikwereti zveShanduro
Imwe mahofisi epasitodhi akasiyana-siyana anokuita kuti uwane hupfumi hwemahombekombe makuru, zviduku zviduku, zviguru zvemabhizimisi makuru emahombekombe, nyika dzese dzemaoko mashomanana, mashizha edzimba, mazai anotengeswa, uye marudzi akasiyana ezvisungo.
Usati watenga zvigaro zvekubatana mari, tarisa zvinoshandiswa. Iko mari yacho ine chimwe chinhu chakasiyana nedzimwe mari yaunayo here? Kana zvakadaro, zvichida ichava kuwedzera kwakanaka kune mbiri yako.
Kana iwe usingazivi kuti mari yacho ndeyei, tsvaga mazano ehutungamiri, kana kuti shandisa mari yakarongeka kana kuti chinangwa chekugadzirisa zuva sezvo aya marudzi emari anowedzera kupararira kwako kune imwe nzvimbo yakasiyana-siyana yekubata.
04 Mistake # 4: Kuita Mari Inowanikwa Mari Inotanga Kufanana Nezvakawanda Zviwanikwa
Zvisinei, kana huwandu hwekuwana iyo huri kuitika mumutero wako wekuripira mutero, hauzobatsiri kutora zvishoma nezvemazuva ekupedzisira ekuwana mari inowanikwa mutero. Rimwe zuva kana iwe ukarega kubhadhara mutero wekuripira mutero, zvose zvinobuda zvichakweretwa nemutengo wakafanana neunowana mari.
Kuchengeta mitero zvakaderera sezvaunogona iwe unogona kushandisa chimwe chinhu chinonzi "nzvimbo yeasset". Iyi ndiyo nzira yekugadzirisa kushandiswa kwekutengesa kutsvaga zvidzidzo zvemafasi pasi pemitero-yakasarudzwa (yakafanana neIRAs uye 401 (k) s, mitero isina kubhadhara (maRoth accounts), uye maakarenda anotengesa (kubhadhara mari uye mutual fund). Ive yakakodzerwa zvakanakisisa kumitero yakasarudzwa yekubhadhara mari, uye nhamba yekodzero yemari yemakoshesi asina kubhadhara.