Makomborero ekutenga Mutual Funds
Pasina kurongeka, pano chikonzero nei iwe uchifanira kufunga kutenga mutengo wemari:
1. Mutual Funds Inopa Diversification
Runako rwekubatana mari ndeyekuti unogona kutenga chikwereti chekugadzirisa pamwe uye kuwana kuwanikwa kwemazana ematokisi ega kana mazvisungo. Kana zvisina kudaro, kuitira kuti uyanise hupfumi hwako, iwe unogona kutenga zvigadziro zvemunhu mumwe nomumwe, izvo zvinokutsanangurira kune zvimwe zvingava nyore.
2, Mutual Funds inyanzvi inoshandiswa
Vazhinji vatyairi havana mari kana nguva yekutenga munhu mumwechete. Kuzviisa muzvivimbiso zvakasiyana-siyana , zvakadai sematokari, kwete kungotora pfuma asi nguva yakawandisa. Kusiyana neizvi, mutual fund mameneja uye vaongorori vanomuka mangwanani oga oga vachizvitsaurira hupenyu hwavo hwehupenzi kuti vaongorore uye vaongorore ikozvino uye zvingave zvigaro zvehurumende yavo.
3. Mutual Funds Ngauve Mumarudzi Akasiyana-siyana
A mutual fund inouya mumarudzi akawanda nemitambo. Kune mari yekutengeserana, mari yebhadha , mari yezvikamu , chinangwa-chekubatana mari , mutengo wemari pamwe chete nemari yakaenzana . Mari inobvumirana iwe inokubvumira kuisa mari mumusika kana iwe uchida kubasa rekushanda kwepodfolio (mari yakachengetedzwa zvakakwana) kana iwe unosarudza kutenga chikamu chemusika pasina kupindira kubva kune maneja ( passive funds uye index mutual funds). Kuwanikwa kwemhando dzakasiyana dzemari pamwe chete kunokubvumira kuvaka dhigiriiyo yakasiyana-siyana pakudhura uye pasina kuoma kukuru.
4. Mutual Funds Iine Zvishoma Zvishoma
Makambani akawanda ehurumende yemari anobvumira vashandi kuti vatange muhurumende yehurumende pamwe chete ne $ 1 000. Schwab's mutual fund mhuri ine zvidhinari zvemadhora zana nemakumi mashanu emari yavo.
5. Kugadzirisa Kwekugadzirisa uye Kubhadhara ne Mutual Funds
Izvo zviri nyore kushandisa mari nguva dzose mune mutual fund.
Makambani akawanda ehurumende yemari anobvumira vatengesi kuti vashandise mari shoma shoma ye $ 50 pamwedzi zvakananga mune mutual fund. Mari inogona kubviswa zvakananga kubva kubhangi yebhangi uye inotengeswa zvakananga mune mutual fund. Kune rumwe rutivi, mari inogona kugara ichibviswa kubva kune imwe mutero uye inowanikwa mubhengi rebhangi. Iko kune kazhinji hapana mari yebasa iri.
6. Mutual Funds Inopa Kuvandudzwa Kwekugadziriswa
Mumwe mutengesi anogona nyore nyore uye achizvipira kuti ave nemari yakawanda uye zvikwereti zvinowanikwa muhurumende yavo isina mutoro wekutengesa kana mari yakawedzerwa. Kunze kwekuti iwe uri kutsvaga mari (kureva chikamu chakaparadzaniswa uye chakaiswa mumari nokuda kwezvikonzero zvekuwana), iwe uchada kusarudza sarudzo yekudzorera zvikamu uye mari inowanikwa. Izvi zvichange zvichishandisa mukana wekuwedzera kudiwa, izvo zvinoreva kuti kufarira, zvikwereti, uye zviwanikwa zvichaenda kunotenga mamwe mashomanana emari yako, pamwe chete nemari inobuda uye kuiswa mune imwe nhoroondo yega.
7. Mutual Funds Ipai Kudavira
Mutual fund holdings inowanika pachena (ine zvimwe zvinonoka pakubika), izvo zvinoita kuti vashandi vari kuwana zvavanobhadhara. Vashandi vanogonawo kuona zvivimbiso zvakachengetwa (mashesi, mabhandi, mari, kana kusanganiswa kweavo) kuti mutual fund inowanikwa.
Zvose zvese zvaunoda kuziva, pamwe nevamwe zvausingadi kuisa mari, zvichawanikwa mune mutual fund prospectus, iyo inogona kuwanika nyore pawebsite yekambani yekambani.
8. Mutual Funds Are Liquid
Kana iwe uchida kubvisa mari kubva kubhadha rekwereti yako, iwe unogona kutenga mari kubva kune mari zhinji pamwe chete mumazuva mashoma. Kana iwe uchida kutengesa yako mutual fund, mari yekutengesa inowanika pakarepo zuva raunotengesa mutengo wekugadzirisa. Mamwe mari pamwe chete ane "kugadzirisa" nguva kwemazuva matatu. Asi iyi yehuwandu hwekutsvaga (kukurumidza kukurumidza kumari yako), zviri nani pane dzimwe dzimba dzekutsvaga, dzakadai sedzimba.
9. Mutual Funds Have Audited Track Records
A mutual fund kambani inofanirwa kuchengetedza maitiro emitemo yehurumende yega yega uye inoita kuti iongororwe kuti ive yakarurama, iyo inoita kuti vashandi vanogona kuvimbana kuti mutual fund yakadzoka.
Makambani ekubhadhara mari pamwe chete anopawo prospectus yemari imwe neimwe, pamwe chete nemitambo yegore negore kana yegore. Izvi zvinyorwa zvinopa ruzivo rwehuwandu hwekuti mari inoshandisa sei mari, mari yehupfumi pasi pevatungamiri, mukati memari mari mari, nezvimwe.
10. Kuchengetedzwa kwekutsvaga mu Mutual Funds
Kana imwe yekambani yekambani ikasimuka mubhizimusi, mutual fund shareholders inowana mari yakawanda iyo yakaenzana nechikamu chavo chemugove pamwe chete. Zvimwewo, mutual fund's Board of Directors inogona kusarudza vashandi vatsva vekutsvaga mari yekutarisira mutual fund. Zvisinei, nokuti mari imwe neimwe ine misika yemisika inogona (uye kazhinji inoita) inofananidzwa mukukosha. Izvi zvinoreva kuti, pane dzimwe nguva, mutengesi anogona kuguma nemari shoma kupfuura yavakatanga kuisa. Asi njodzi iyi yepamusika ndiyo inoita kuti vatengesi vave nemukana wekuwedzera hupfumi hwavo munguva. Mumashoko akasiyana, "kuchengeteka" inoreva nguva. Kana uri kutsvaga chivimbiso kana kuchengeteka kwevakuru, mari imwe neimwe ingasave yakakosha iwe.
Nepo kune huwandu hwekutsvaga kwekutsinhanisa ((individual stocks, ETFs , uye mari yekuvhara , kugadzirisa mazita mashomanana) mari imwechete inogona kupa nzira iri nyore, yakajeka yekuisa mari yekurasira, dzidzo kana zvimwe zvinangwa zvemari.