Pedyo nevatorwa Vanofanirwa Kufungidzira Yakasimba Value Funds
Stable Value Funds
Simba rinokosha mari inoumbwa nezvibvumirano zvekutsinhanisa zvakabudiswa nemabhangi nemakambani einishuwarenzi. Sangano rega rega rekutsinhanisa rinobhadhara mutengo wakatarwa wekudzoka kweimwe nguva yakatarwa.
Icho chikwata chekutsvaga mari chinongowanikwa mukati mezvikwereti zvemitero - izvi zvinoreva kuti haugone kutenga ikokukutswa kwekutekesa mubhuku reIRA kana mubhuku rako rekutengeserana uye iwe unogona kuwana hutano hunoshandiswa mutual fund iwe unogona kutenga kunze kwekambani yako retirement retirement plan .
Chinangwa chekugadzikana kwekuchengetedza ndechekuchengetedza guta rako uye kupa ruzivo rwekutengesa paunounza mitsara yakaenzana neyechepfupi kana yepakati-yezvisungo zvenguva, asi nechinguva chiduku.
Nhoroondo yekare, hutano hwakasimba hwakazadzisa chinangwa chayo. Maererano nekudzoka uye nhamba dzinobudiswa neStable Value Investment Association, mumakore gumi apfuura, mari yakachengetedza mari yakagadzira zviyero zvakaenzana nepakati-yechinguva yebhadha mari asi ine zvishoma.
Ndivanaani Vanofanirwa Kufungidzira Yakasimba Value
Nhamba yakasimba inofungidzirwa sehuwandu hwekutsvaga kwekutsvaga mari . Mumwe munhu anonyatsogadzirisa angasarudza iyo nokuda kwemari yavo yose. Mumwe munhu ane hanya nekambani yematengesi anokanganisa angasarudza iyo chikamu chemari yavo. Ndinofunga kuti chisarudzo chakanaka kune avo vari mukati pemakore mashanu ezuva ravanotarisirwa kurega basa.
Yakasimba Inokosha Yevaya Vari Pedyo Nokurega
Imwe sarudzo yekutsvaga sehutano hwakasimba inobatsira kune mumwe munhu ari pedyo nekurega basa. Ngatiti iwe uri makore matatu kubva pakubhadhara. Iwe wakaisa pamwe chirongwa chemari yekubvisa mari chinokuratidza kuti iwe uchada kubvisa $ 30,000 kubva kumabhengi ako ekurega mari mugore rako rokutanga rekurega basa.
Kana iwe ukasima $ 30,000 iri muhutano hwakagadzikana ikozvino, uchaziva kuti inowanikwa kwauri iwe paunenge uchida. Kana misika iri pasi nepakati zvino uye kubhadhara saka chii? Iwe uchaziva kuti mari yaunoda kubvisa yakachengeteka mune imwe sarudzo yekusimudzira mari.
Kana iwe uchizoshandisa sarudzo iyi zvakakosha kuti 401k wako wekupa hurongwa unobvumidza iwe kusarudza uye kusarudza zvipi zvaunotora zvikwereti kubva. Zvimwe zvirongwa zvema 401k zvinokuita kuti utore zvido zvekuda-zvinoreva kuti zvinofanira kuuya zvakaenzana nemari yakasiyana-siyana yemari yako.
Kana iwe uchida kufanana nemari yako kubvisa kwako iwe unoda kuti ukwanise kusarudza uye kusarudza chii chakutengesa kana nguva yasvika yekubvisa mari kunze. Kunyange kana hurongwa hwako husingakubvumiri kuti usarudze zvingatengesa kana iwe uchibvisa basa rekurega basa, kukosha kwakasimba kunogona kuwedzera kugadzikana kwepodfolio yako, uye iwe unowedzera kusvika pakubhadhara, iwe unowedzera hutano hwako.
Zvimwe Zvishandiso zveSimba rakakosha
Handifungi kuti vanhu vazhinji vanofanira kunyatsoteerera mari yavo, asi kana iwe uchigona kushandisa kukosha kwakakwana semukana wehomwe. Sezvo kukura kwako kwekutsvaga (equities) kuchikwira iwe unotora purogiramu uye unoita kuti ivo vagare zvakanaka.
Zvino kana iyo misika yemari yakaderera iwe unogona kutamisa mari kubva kuhutano hwakagadzikana kudzokera pakukura. Hapana chivimbo chekuti nzira iyi ichadzorera inodzorera chero ipi zvayo yakakwirira pane kutevera sarudzo yekugovera maitiro . Sezvo nyaya iripo kubva pane zvandakaona varimi vakawanda vane zvisarudzo zvisina kukodzera pavanoedza izvi.
Kubatsira kweStable Value vs. Bond Funds
Kune avo vanozove vachida kuregererwa nokukurumidza kubatsirwa kwehutano hwakagadzikana pamusoro pepfupi kana kuti pakati-pfupi-bond bond fund ndiyo inonyanya kushaya. Kana, mune mamwe mazwi, kudzoka kwakanaka pamari yako yekudzoka ndiko kudzoka kwekutsvaga kwako.
Sezvaunoswedera pedyo nechinangwa munguva iyo iwe uchange uri kutora zvisizvo izvi zvinowedzera kukosha.
Kana iwe unogona kutengesa humwe hutano kana maCD mukati memurongwa wako wekodzero ye 401k iyo ingadai iri sarudzo yakanaka sezvo iyo inotora zvikwereti ichichengetedza mukuru wako uye iwe unogona kuzvishandisa kuti ugadzire mapeji emari kana kusungirwa , asi sezvo zvisarudzo izvi zvisipo muurongwa we 401k ipapo kukosha kwakagadzika kunobva kune imwe nzira yakanaka.
Kuzivisa: hapana chiri munyaya ino chinenge chave chirevo chekutsvaga mari kana kuti kunotsiva mazano ekutsvaga mari. Imari yose ine ngozi.