Top Balanced Funds kuti Uzvitenge Kwemarefu Akareba
Asi iyo yakanakisisa yekuenzanisa mari inoshandiswa nguva dzose inenge iri nguva dzose iyo vatengi vanogona kuchengetedza kwemakore kana makumi emakore.
Mari yepamusoro yakakosha ichava neunhu hunokosha huchawana mune imwe mhando ipi yekubhadhara mari: Vashandi vanofanira kungotarisa mari-yekutakura nemari inodhura , kunyanya kana kutenga mari yekuenzanisa mari. Kana mari yacho ichigadziriswa zvakakwana, mari yakakwirira inogona kururamiswa asi kune zvakawanda zvekukwanisa kuenzanisa mari uye kushandiswa kwehutano kune mari shoma.
Tisati tapinda mudura redu rakanakisisa mari yakaenzana, tichazotanga nedzimwe nheyo dzekutsvaga mari iwe waunoda kuziva (kana dzokerazve, kana iwe une ruzivo rwekare) usati wazvitenga nekubata kwenguva refu.
Chii Chine Mari Yakaringana?
Sezvo izwi iri rinoratidzira, mari yakaenzana ndiyo mari inobhadharwa iyo inowedzera muhuwandu hwemhando dzeasset. Inonyanya kukosha yekutsvaga mari inosanganisira mashizha, zvisungo, uye mari. Dzimwe nyanzvi dzekutsvaga mari dzinogona kusanganisira simbi dzinokosha segoridhe nesirivha, pamwe chete nezvinhu zvakadai semafuta, pasi pemusoro wemafuta easset.
Nemhaka yehuwandu hwezvinhu, mari yakarongeka yakaita sekutsvaga mari muzvikamu zviviri kana zvitatu mutero, zvose mune imwe nzira yakasiyana-siyana.
Kufanana nedzimwe mhando dzemari, mari yakaenzana inowanzova nechinangwa chinotsanangurwa muhomwe yekusimwa mari uye muIndaneti ruzivo runogona kuwanika nyore nyore kune yekambani yekambani webhusaiti kana kuti panzvimbo dzakanakisisa dzekutsvakurudza mari yekubatana .
Mari yakawanda yakaenzana yakarongerwa maererano nehuwandu hwavo hwekugovana. Iyo mitatu yakakosha yakagadziriswa kugoverwa, kugoverwa kwemuwandu uye kuipa kwekugovera. Mari yekuchengetedza yakawanda inowanzova nekutengeswa kwemari inenge 30% yematokari, 50% zvisungo uye 20% mari. Mari yakaenzana yekugovana mari inowanzogoverwa inenge inenge 65% yezvikwata uye 35% zvisungo. Mari dzinotyisa dzichava nevanenge makumi mapfumbamwe makumi matatu nematatu ematokari uye 20% zvisungo.
Sei Uchifanira Kuisa Mari Yakaringana?
Mari yakaenzana inogona kushandiswa kune zvakasiyana-siyana zvinangwa zvekutsvaga, mazano uye mabasa ekuchengetedza mabasa. Kazhinji mari yakaenzana inoshandiswa semari inotengeswa yekutanga yevatengesi vanoda kutanga kutanga nemari yakasiyana-siyana kunze kwekusangana nehuwandu hwekutsvaga kwekutsvaga mari yezvikamu zvitatu kana zvina.
Vamwe vashandi vanogona kushandisa mari yakarongeka semakambani ekugadzirisa muhomwe yezvemari, apo pangave nemimwe mimwe mari yakawedzerwa nokuda kwekusiyana. Semuenzaniso, mutengi anogona kupa chikamu chikuru chemahofisi avo emadhora ehurumende yakatarisa, ezvo ezvo akavakira pedo nemari shoma dzekubhadhara mari mune mamwe makero, zvakadai semabhizimisi emunyika.
Mari Yakaringana Yokutenga Kwemazuva Akareba
Kunyange zvazvo imwe mari yakachengetedza mari inogona kushandiswa pfupi-kusvika pakati pekutsvaga kwemazuva (ie gore kusvika kumashanu), mhando dzakawanda dzemari pamwe chete, kusanganisira mari yemari, inonyanya kukodzera kushandiswa kwenguva refu (kureva makore gumi kana kupfuura).
Saka nechekare, apa pane dzimwe nzira dzakasarudzwa dzemari yakaenzana yekutenga uye kubata kwenguva refu. Tichatanga nemari yakachengetedza, zvino fambira mberi kuti uenzanise uye utsinye:
- Vanguard LifeStrategy Conservative Growth (VSCGX): Imari yekugoverwa kwechikwama ichi inenge 40% yematokari uye 60% zvisungo. Izvi zvinobvumira kukura kwenguva pfupi asi kusingagumi pamusoro penguva refu, iyo inoita kuti ive yakanaka yekuchengetedza mari. VSCGX yakakwanisa kuenzanisira kupfuura 5% annualized kudzoka kwenguva refu. Nhamba yebhadharo iri pasi pedombo pasi pa 0.13% uye zvishoma zvishoma kutanga kwekutsvaga $ 3,000.
- Vanguard Wellesley Inowanikwa (VWINX): Kwemakore anopfuura makumi mana uye zvichida ndiyo yakanyanyogadziriswa mari yepamusoro pamusika, iyo yeWWINX chikwereti inonyatsochengetedza uye inenge iri pakati pe35% ne40% masango, anenge 60% zvisungo, uye sararira yakapoteredza 5% mari. Nekuita kwekuita, Wellesley anorova zvinenge makumi mapfumbamwe zvemamwe emamwe emari ekuchengetedza mari yekutora 3-, 5- uye 10 yemakore anodzoka. Kudzoka kwave kuri nani kupfuura 7%, iyo inenge yakaita seyemari yakawanda inowedzera 100% muzvikwata. Kune chimwe chezvinhu zvakanakisisa zvinochengetedzwa zvekugadzirisa mari yaunogona kutenga, zvakaoma kurova mari yebhadharo inodhura ye 0.23%. Izvo zvishoma zvishoma kutanga kwekutsinhanisa ndeye $ 3,000.
- Vanguard Wellington (VWELX): Imari iyi yave iripo kubva muna 1929 uye ichiri chikwata chakasimba chekushandisa kutenga. Nhaka yekugoverwa kweVWELX yakarongerwa sekugoverwa kwepamusoro nekuti inobata anenge 65% mashizha uye 35% zvisungo. Kungofanana nedzimwe mari dzeVanguard, uchawana mari shoma (0.26%) yeWenington. Izvo zvishoma zvishoma kutanga kwekutsinhanisa ndeye $ 3,000.
- Vanguard Balanced Index (VBINX): Kana iwe uchida mari shoma, pasina-load index fund inobatanidza kusanganiswa kwezvikwata uye zvisungo, usatarisa kupfuura VBINX. Neyo-ultra-low expense chiyero che 0.22% chete uye chikamu chakasimba chemakumi matanhatu ematokari uye 40% zvisungo, VBINX inoita kuti hurumende yakakosha iite mune imwe nzvimbo yemahofisi epasitikiti kana kuti inotengeswa yega yevashandi. Kudzoka kwenguva refu kwakave pakati pe6% uye 8%. Izvo zvakakosha nokuda kwekuchengetedzwa kwepakati pekutsvaga chero ipi zvayo. Izvo zvishoma zvishoma kutanga kwekutsinhanisa ndeye $ 3,000.
- Vanguard STAR (VGSTX): Nhasi makacherechedza mari yose pane zvinyorwa zvedu zvemari yakaenzana kusvika ikozvino kubva kuVanguard Investments. Iwe unogona kunge wakacherechedza kuti vane zvigadziri zve $ 3,000 kuti vatange kutengesa. Zvisinei, VGSTX ine zvishoma zvishoma zve $ 1 000. Izvowo ndizvo zvinozivikanwa se "mari yemari," izvo zvinoreva kuti inoshandisa mune imwe mari inobatanidza mari, yose iri mune imwe sarudzo. Sangano re STAR rinosvitsa musanganiswa wakasiyana-siyana wemari 11 yeVanguard, zvichiita kuti zvive zvakasimba zvakasarudzwa zvekutanga vatengesi kana avo vanoda mari imwe chete yekugadzirisa mari.
- Kutendeseka Kunoenzanisa (FBALX): Imwe yemari yakakosha yakaenzana neyokugovera zvishoma, chikamu cheFBALX chinowedzera mari inenge 60% yehupfumi hwayo yemapurisa mumatokari uye 25% muzvisungo, pamwe chete nemari yakasara. Iri ibhandi rakachengetedzwa zvine simba uye nhoroondo yekurova chikwata chemashure nemakore ekudzoka kwenguva refu ye6% kana kupfuura. Nhamba yebhadharo inobatanidzwa nehutano hwehutano pa 0.55% uye huwandu hwekutsvaga kwekutanga huri $ 2 500.
- T. Rowe Price Personal Strategies Inowanikwa (PRSIX): Tinofanira kuwedzera imwezve mari yekuchengetedza mari kune iyi urongwa nehwamakabhadhara anochengetedzeka akachengetedzwa ane mari inoshandisa chikamu chekugadzirisa muhutano wezvinhu zvinosanganisira 40% mashizha, 50% zvisungo uye 10% mari. Chinangwa chemari ndeyekutanga chekuwana mari uye chinotevera pakukura kwekukura. Izvo zvishoma zvishoma kutanga kwekutsinhanisa ndeye $ 2 500 uye chiyero chebhadharo chinokwana 0.74%.
- Bruce Fund (BRUFX): IBruce Fund inogona kunge ine zita rinonakidza asi iro rinoshanda kwenguva yakareba rakanyanyisa. Gore remakore gumi nemashanu rinodzoka zviri nyore kusvika kumusoro kwe12%, iro riri nani kupfuura 99% yevashandi vese vanogoverwa mari uye akawanda emari yepamusoro mari. Nokudaro, nemafungiro emadhora makumi mashanu ematatu, 30% zvisungo uye 25% mari, iyi inowirirana chikwereti chekushandisa nehutano hwekugadzirisa inogona kubudirira pamusoro-inowanikwa huwandu nehuwandu hwehuwandu hwehuwandu. Ingove wakagadzirira kugamuchira pasi-par returns pane dzimwe nguva munguva shomanana mumamiriro emisika akawanda. Nhamba yebhadharo iri 0.67% uye zvishoma zvishoma kutanga kwekutsvaga $ 1.000.
Iko Balance haisi kupa mutero, utsvaga, kana mari yemari uye mazano. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kushivirira kune ngozi, kana mamiriro emari yemumwe mutengesi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru.