Aya Fidelity Mutual Funds Anogona Kuderedza Mutemo Wenyu Wecaresi
Vashandi vanobhadhara mari dzekodhadhi dzekwereti vakachenjera kuti vabate mari yekubhadhara mitero uye kune zvakawanda zvekusungirwa mari yeFidelity yakasarudzwa kusarudza kubva pakuwana basa racho.
Imwe yezvikanganiso zvakakura zvinowanikwa nevarimi vanoita pamwe chete nemari inotadza kuchengetedza mari shoma. Kuderedza mari yekubhadhara mari pamwe chete kunoderedza kudhura mari muhupfumi hwemunhu kana bhizinesi, kunyanya nebhajheji, kana izvo vamwe vadzidzisi vezvemari vangati mari inoyerera.
Kuderedza mari yako (cash outflow) yakakosha zvakadai sekuwedzera mari yako (cash inowanikwa). Kudzvora mari muhupfumi hwemunhu zvakangofanana nekuzvipa iwe kumutswa.
Saizvozvowo, kuderedza mitero munhoroondo inotengesa kune zvakakonzerwa nekuwedzera mitero yako yekudzorera. Funga nezveizvi nenzira yakasiyana: Kana iwe uri kubhadhara zvinopfuura zvinodiwa mumitero, iwe unoramba uchiita mari shoma iwe pachako; saka iwe wakaderedza kudzoka pane yako yekutsvaga.
Nzira dzakanakisisa dzeMutual Funds yekuderedza Mutero Wenyu WeNyu
Tisati tasvika kune yakanakisisa mari yeFidelity inoshandiswa pakubhadhara mari dzekwereti, regai titarise mhando dzakanakisisa dzemari dzinoshandiswa kuderedza mitero uye kuti sei mari iyi inogona kukwanisa kuita izvi.
Imwe nzira yemutero iyo inowanzobatana nemari mari ndeyekudhura kukuru kwekuwana . Stock mutual funds inogona kuisa muzvizhinji kana mazana ematokari. Mune chero ipi zvayo yemitero yegore, mutungamiri (s) wekambani yacho anowanzozotenga uye kutengesa maverengi emadhora ekugadzirisa.
Apo mutungamiriri anotengesa zvikwata zvakawana kukosha kubvira panguva yaakatenga matanda aya, mabhizimisi aya anoita kuti pfuma iwane mari, iyo inobva yapfuurirwa kumudzimai (iwe) nenzira yehuwandu hwekugoverwa. Nokuda kwechikonzero ichi, mari nemari shoma, sezvinongoita mari yekuenzanisira , inogona kuva yakawanda-inoshandisa mari kune mari inogadziriswa.
Imwe nzira yakawanda yemutero inouya kubva kune mumwe mutero inoshandiswa nezvikamu. Nokudaro, kana iwe uchida kuderedza mitero, iwe uchada kudzivisa kukwidziridzwa kwekubhadharisa mari, sezvakakosha mari yekukohwa mari. Mari yezvikwereti zvinokanganisa zvishoma kusvika kune zero zvikamu zvinosanganisira zviduku-cap stock stock uye kukura mari yemari .
Takafukidzira mari yefodhi yemhando iyo inobhadhara mutero asi mari yemuviri mari ndiyo iyo iwe unoda kuchenjera pamusoro penyaya yekuderedza mitero. Kuti uchengetere mutero kune zvishoma nezvisungo zvebhadhiro, mutauro wakanakisisa wokutenga ndiwo masisita ehurumende mari . Iko rudzi rwekutengeserana mari rinobhadhara zvisungo zvemasimende, izvo zvinobudiswa nehurumende nehurumende pamwe nemamwe masuwa. Kukurudzira hurumende kutengesa, masisita emasisita haasununguswi mutero wemari. Kana iwe ukararama mukati mehurumende kana masistikiti anotaura nezvehutano, mari inogona kunge isingabhadhara mutero pazera iroro.
Mari Yakanakisisa yekubhadhara Mitero
Iye zvino ngatitarisei mimwe mienzaniso yemari yekubatana kubva kune Fidelity iyo inogona kuchengetedza mitero kune zvishoma mubhuku rako rekubhadhara mari.
- Kutendeseka Kwose Market Market Index (FSTMX) haisi iyo yakawanda inobhadhara mitero yeFidelity fund iwe unogona kutenga asi inogona kunge iri yakasiyana-siyana muchikwata chekuchengetedza mari iyo inogonawo kuchengetedza mitero zvishoma. Chikamu chayo chechipiri chekutsvaga chinokwana 3 muzana chinoreva kuti icharamba ichibhadhara pamabhadharo ehomwe yepamusoro zvakaperera kudarika mavhareji emari mari.Inhare yebhadharo yeFSTMX iri pasi pedombo 0.095 uye zvishoma zvishoma kutanga kutenga $ 2,500.
- Kuvimbika Small Small Cap Enhanced Index (FCPEX) inotarisa pane zviduku zviduku, izvo zvinowanzotiza zvikamu zvishoma kana zvichienzaniswa nehomwe huru. Semuenzaniso, mavhareji makuru-cap stock fund anogona kuva nezvibereko zveanenge 2 muzana kana kupfuura, asi FCPEX inowanzoenzanisa zvishoma nehafu. Kudhura kwakaderera kunobatsira kuchengeta mitero yemari kune zvishoma. FCEPX yakave yakarohwa zvinopfuura 90 muzana yemamwe madhora maduku emari ekudzosera mutero. Nhamba yebhadharo yakaderera nehomwe yehomwe duku pa 0.68 muzana uye inoshandiswa pakutanga mari yekutsinhanisa iri $ 2,500.
- Kutendeseka International Capital Appreciation (FIGRX) kune imwe nyika mari inoshandiswa zvikuru inotengeswa mumatanda emakambani asiri eUnited States. Kune dzimwe nyika mari yemari haisati iri nyore kuteresa asi FIGRX ine nhamba yepamusoro yepamusoro pane inoshandiswa mutero-zvinobudirira uye pamusoro-inodhindwa inowanikwa, iyo inobatanidza kuita kuti FIGRX isarudze zvakanaka kune vashandi vanoda mari yekunze mari mune imwe taxable account. Nhamba yebhadharo yeFIGRX iri pasi-inopera pa1 kubva muzana uye huwandu hwekutsvaga kwekutanga huri $ 2 500.
- Kubhadhara Mutero- Pasina Bond (FTABX) inobata masangano ehurumende ayo asingabhadharwi neyemutero wemari. Zvizhinji zvekubata zvibvumirano zvakabudiswa nehurumende nehurumende muUnited States. Kusungwa kweMaspala kazhinji kunopa zvibereko zvishoma kudarika zvimwe zvisungo asi mamiriro asina mutero anogona kukwanisa kubhadhara mutero usingabhadhari unogona kukunda dzimwe zvisungo. Kazhinji, vatengesi vari mumatokari epamusoro emitero vanobatsira zvikuru kubva pakachengetedza mari yebhadhadha yemasisita seFTABX. Nhamba yebhadharo iri 0.25 muzana uye zvishoma zvishoma kutanga kwekutsvaga kuri $ 25,000. Kuvimbika kunopawo mitero isina mari yemunishuwarenzi mari iyo inotarisa kune dzimwe nyika, dzakadai seCalifornia, New York neMassachusetts. Vashandi vanogara mukati mehurumende idzi vanogona kusarudza kushandisa mari idzi kuti vashandise mari yehurumende kubhadhara mitero.
- Kuvimbika Mutero-Kunyoresa Mari yeMarike (FMOXX) inogona kuva sarudzo yakanaka kune vashandi vanoda mari yekuchengetedza mari yekanguva yenguva. Kungofanana nemari yekusungirirwa kwekusabhadhara mari, FMOXX ichave inobatsira vashandi vehurumende mupamusoro mabheji emitero yakakwirira.
Chii Chingafanira Kutsvaga Kuwana Wako Mutero-Zvakakwana Mari
Kana pane zvimwe zvikwereti zvekubhadhara iwe zvaunoda nekuda kwekodha yako yekutengesa, iwe unogona kutarisa zvimwe zvikamu zvinokosha kuti ufanotarisa kubhadhara mutero wekambani. Chimwe chezviverengero zvakadai inotora mari inotengesa, iyo inoyera yekuti vashandi vakawanda vakarasikirwa sei pamusana pekubhadhara mitero. Semuenzaniso, kana mari yekutengeserana yaive nemakore mashanu ekudzoka kwegore kubva 10 kubva muzana uye mutengo webhadharo waiva 1 muzana, mutero wekutevera mushure mitezo ingadai iri 9 muzana.
Mamwe emakambani akanaka pane rese mutual fund research, akadai Morningstar, Inc., anopa ruzivo pamusoro pehutengo hwehutori uye zvimwe zvikamu zvemashoko makuru sekudzokorora kwemitero. Semuenzaniso, pa Morningstar.com, unogona kungonyorera muchikwata che mutual fund's ticker uye tsvaga kutsvaga mari imwechete iwe uri kutsvakurudza. Kana uchinge wawana mari yekutsvaga panzvimbo iyi, tsvaga tab iyo inoti "Mutero" uye chengeta pairi. Peji iyoyo icharatidza hurukuro yematarenda emitemo, zvakadai semutengo-mari yehuwandu uye hutori-huri kudzorerwa kudzoka. Iwe unogona kuenzanisa izvi nedzimwe mari uye sarudza icho chakanakisisa iwe uye iwe unoda kuisa mari.
Pamusoro pezvose, vatengesi vanofanira kuyeuka kuisa maitiro ekutsvaga masimba ekutsvaga, zvakadai sekusiyana-siyana, kushivirira kune ngozi, uye kusarudzwa kwemari kubva pane zvinangwa zvekutsvaga, kwete kungoita mutero chete. Kuvaka chikwereti chakakodzerwa nezvido zvako kunonyanya kukosha pane kuderedza mitero. Vashandi vanogonawo kuderedza mari kuburikidza nekutenga mari-yekutakura nemari yakaderera mari.
Kuti uwane mamwe mashoko nezvekuwana mari yakanakisisa iwe uye zvinangwa zvako zvekutsvaga, iva nechokwadi chekuona nyaya yedu pa Mutual Fund Analysis: 10 Zvinhu Kuti Uongororore (uye 3 Kurega) .
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.