Vazhinji Vatsva Vashandisi Havana Zivo Yokusarudza Zvimwe Zvitoro
Chii chinoita kuti rumbidzo yechiratidzo ichi chezvemari zvichienderana nekukanganisa kwayo? Kana uri muweti wekushambadzira usina kukwanisa kuverenga bhazha rekurima , chirevo chekuwana mari , kana mutemo wekubuda kwemari, uye iwe hauna mari yakakosha kuti uite imwe yevashoma mashomanana-magetsi, makambani akachengetedzwa ehupfumi emakambani ekuchengetedza hupfumi uye mararamiro avo emarudzi akawanda emagadziro edzimba, ruzivo rwekutsvaga huchakupa zvakawanda zvekutengesa pamutengo usingatori. Ndiko, mune mamwe mazwi, "zvakanaka" kuti aite basa racho; chinhu chakakura paunofunga kuti imwe nyanzvi yekutsvakurudza mapepa yakawana vashandi vakagamuchira chimwe chinhu chakadai chinotyisa 3% kudzoka kwemazuva apo hupfumi hwavo huripo hwakakonzera 9% kudzokera nokuti vakanga vasina kukwana pakuvaka chikwereti.
Isa pachena, vanhu vakawanda havanzwisisi kuti kuisa mari kubudirira kunowanzoitika pamusoro pokudzivisa kukanganisa kukuru.
Unofanirwa kuwana ruzivo rwakasiyana-siyana rwezvinhu zvakanakisa pamatengo akanaka, udzibatise nenzira yakabhadhara mitero kwenguva yakareba (kazhinji inowedzera makore makumi maviri nemashanu kana kupfuura), uye rega nguva iite zvese. Kana iwe usingadi kunyanya kushandisa zvirongwa zvakakwana zvekutenga zvigadzirwa uye zvipo zvekugadzirisa zvigadziriswa - chirongwa chikuru kana iwe uine chirango kuti ugare pairi uye icho chakakonzera vazhinji, mazhinji mamioneoneire epachivande zvakadai semudiki-wage mubayiro mutariri Ronald Verenga, uyo akaunganidza $ 8,000,000 - mari yekuenzanisira ndiyo nzira yakanaka yekuita zvakafanana.
1. Unogona Kuchengetedza Mari Nokushambadzira muInd-Cost Index Funds
Kana iwe ukasimudza mari yakaderera yemari yekodzero, mari yekutarisira kana mari yekutenga inogona kunge yakaderera se 0.10% yezvigaro pagore zvichienzaniswa ne1% kana 2% kune mamwe marudzi emari yekubatana . Nenzira inoshanda, izvo zvinoreva kumadhora evanhu 100 000 awakanga unawo muRoth IRA kana 401 (k) , iwe unogona kubhadhara $ 100 muhomwe yekambani yekugadzirisa mari uchienzanisa nekubhadhara $ 2 000 neine mari inodhura yakawanda yakachengetedzwa. Iko kune $ 1,900 inowedzera gore muhomwe yako. Penguva refu kwenguva refu, iyo mazana ezviuru, kana kunyange mamiriyoni, emadhora mune upfumi humwe.
Pane dzimwe nguva apo basa iri-risina kukodzera. Semuenzaniso, mumamiriro ezvinhu akawanda, mubhadhadzi wekubvisa mabhadharo akanyoreswa kana hupfumi hwehupfumi hwekuchengetedza hupfumi hunopa humwe huwandu humwe hunoenderana nehutano hwemitero, hutungamiri hwekutengesa, uye rubatsiro rwekutumira rubatsiro (sekushandisa kushandiswa kwemhuri kushamwaridzana uye kubhadhara zvikwereti kuti uwane zvikomberedza zvipo zvemitero ) , kutumidza mazita mashomanana. Mune zviitiko izvi, ndingadai ndakangwarira kubhadhara zvinopfuura 1.5% pagore mumari yekutungamirira. Kana iwe uri mushandi wehofisi ane $ 80,000 muzvinhu zvekutsvaga mari inogara muDo Moines, Iowa, hazvirevi kuti zvinokonzera dambudziko kana mari yekubhadhara mumwe munhu akadaro, kana iwe unogona kunyange kupinda mumusuwo, izvo zvisingamboiti kuti urege kubatana nevemhuri (vazhinji vane zvishoma zvishoma zvekuzarura zvido zvevashandi vanobva pa $ 500,000 kusvika ku $ 10 000 000).
Imwe nyanzvi mari ichave yako yakanakisisa inoshandiswa.
2. Inotengeswa Indekisi Inotora Mari Inopa Kupararira Kupararira kune Fraction yemari
Kana iwe uri mudiki wekusimba mari uyo aida kuverenga S & P 500 nokutenga zvikamu zvezvikamu zviviri zvezvikamu 500 zvakananga, iwe unoda kushandisa mazana emadhora mumakomisheni uye kuisa mamiriyoni emadhora. (Izvi hazvisi zvechokwadi kune vashandi vakura, vanobhadhara chikamu chema-penny per share mukutengesa kwekutengesa mumatambudziko mazhinji nekugadzirisa zvimwe zvinhu kana zvimwe kugadziriswa kushandiswa kunoitwa nehurongwa hwepurogiramu.)
Nebhasi rakaderera mari yekodzero, zvakasiyana, iwe unogona kuwanisa mari shoma se $ 500 kuburikidza nekambani yekurasikirwa kana $ 3,000 kuburikidza nekambani yekodha yekwereti .
3. Dhaidhi Indekisi Indaneti Iripo Kune Makero Akawanda eAsset, Nzira dzekutsvaga mari, Market Capitalization, nezvimwe
Mari yakaderera yemari yakave yakakurumbira zvokuti kune mari yemuviri inobatanidza chero chinangwa chipi nechipi chekutsvaga mari kana kugoverwa kwemari yaunogona kuve nayo.
Unoda kungoita mari chete muhomwe shoma yezvikwata? Consumer staples? Simba remaoko? International pharmaceuticals? Pano pane nhamba inotenderera iyo inogona kukubvumira kuisa mubhasikiti yematokari pamabhadharo anodiwa.
4. Inotengeswa Indekisi Indaneti Inogona Kuve Yakanyanyisa kana Yakanyanya Kudai Sezvaunoda
Iko kune mitsara yemari inenge isina kukodzera zvachose kune vashandi vatsva, zvakadai seavo vanobata zvinhu mune mari dzedzimwe nyika. Pamusoro pezvinangwa zvose uye zvinangwa, mari yekuenzanisira haisi yakachengeteka kana yakachengeteka kupfuura iyo inowanikwa mari inowanikwa. Kana iwe ukaisa 100% yemutengo wako unokosha mune imwe boka rekutsvaga rinoshandiswa muzvisungo zvejunk, iwe hausi mhando dzakasiyana, unongova nezvakawanda zvakasiyana-siyana zvakachengetwa mukati mekushambadzira zvidzidzo zvekirasi yechikoro. Imwe nyanzvi yehurongwa haisi chinhu chinongova chimiro che mutual fund. Icho haisi rudzi rwemari yekutsvaga.
5. Kunyanya Kuisa Mari Inotengeswa KwemaIndaneti Zvinorevei Kusingafaniri Kufunga Zvakawanda Nezvekutsvaga Kwevanhu
Paunenge uine passive index fund, iwe uri kuisa mune imwe shamba, zvibatanidza, REIT , uye zvimwe zvivimbiso asi haufaniri kufunga nezvemahomwe ega.
Kana uchinge wawana purogiramu yekodzero inosangana nezvido zvako uye kushivirira kune ngozi, pfungwa ndeyokuzvitenga kuitira kuti usasashandisa nguva yako yekusununguka kusarudza kana Procter & Gamble inokosha kupfuura Colgate-Palmolive kana kuti US Bancorp iri inodhura kupfuura Wells Fargo & Company. Iwe haufaniri kuona mafuta ako emahotera pasi makumi mashanu kubva pamusana pekudya mumatengesi ekutengeserana kana zvikwata zvako zvemhepo zvinopedzisira zvichiita chiitiko chakafanana nekurwiswa kweSeptember 11, 2001 . Ichokwadi kuti iwe uri kutarisana nezvinhu izvi - zvakanyanya, chaizvoizvo uye iwe pachako uri nematokisi, iwe wakaronga zvinhu zvako munzira yausingavatarisi pamutsara-ne-mutsara kunze kwekuti iwe uchida kukwevera rondedzero yemari yekutonga filings - asi iwe unogona kuramba uchiziva vasingazivi, uchifunga kuti iwe unoda kutora mungozi yekuve nekutenda nzira inoshandiswa inenge ichiri kunzwisisika. Izvo zvine zvakakosha zvikuru kune mamwe maitiro ezvinyorwa zvepfungwa, zvichienda zvakananga pamwoyo wehupenyu hwehupfumi.