Zvikwereti zveMunhu mumwechete: Kuda Kwakawanda Kwokuti Iwe Unogamuchira Mukuru Wako Kare
Chimwe chezvinhu zvakasarudzwa zvekubhadhara mari ndeyekuti mune imwe yezvisungo zvakawanda, vatengesi vanogona kuvimbiswa kuti vachagamuchira zvakakosha zvavo pamusana pokukura kwehutano. Kunyange zvazvo hurumende inotsigirwa nehurumende yeUnited States - US Treasury nezvimwe zvibatiso zvakatsigirwa nehurumende yeUnited States, zvakadai sezvisungo zvekuchengetedza - kunyange zvikamu zvepamusoro- misika yemisika zvinoshandiswa pasi pemaitiro ematongerwo ematongerwe enyika (kusakwanisa kuita chikwereti kana mutero mukuru) pakati pezvivimbiso.
Izvi zvinonyanya kuitika pakati pezvinetso nepamusoro pekukwereta chikwereti.
Ngozi: Mukuru wako anogona Kuramba Kunyange muSafest Bond Funds
Sezvo hutano hwakawanda huchikura pahuwandu hwazvo, izvi zvinoreva here kuti varairidzi vanogonawo kuisa mari muhutano mutual fund uye vanotarisira kugamuchira zvose zvadzo zvakadzoka?
Mhinduro kumubvunzo uyu ndeyekuti "kwete," iyo inosuruvarisa inogona kutora vamwe varimi nekushamisika. Kufanana nehomwe mutengo wemari, mari yezvisungo inowedzera mune imwe nzvimbo yehupfumi hwevanhu vakawanda. Zuva roga roga, makambani emari anotarisa kukosha kwezvivimbiso mumari yavo uye kuverenga maitiro avo ematare kana maAVs. Sezvo imwe neimwe yehutano hwavo hwezvisungo inogona kutengeswa zuva rega rega sechinhu, matengo avo anokwanisa kuchinja zvichienderana nemusika masimba. Somugumisiro, iyo mitengo yezvisungo zvemari ichaendesa mberi uye pasi pamwe nekukosha kwevhudziro dzavanoshandisa muzvikwereti zvavo.
Nokudaro, kutengeswa kusina nguva kunogona kureva kuti mutengesi achafanira kutengesa mari yacho kune imwe mubhadharo yakaderera pane yavakabhadhara kubva kare-kunze kwekutsvaga mari yakakura - huwandu hwemari husina kukura pa musi chaiwo seumwe munhu akasungwa.
Izvi zvinoreva kuti kunyange zvazvo mari inogona kuiswa muzvivimbiso zvinokura pamutengo wavo wepakutanga, chikwereti pachako hachiiti.
Ngozi, uye kukura, kwekushanduka kukuru kunobva kune rudzi rwehomwe yaunayo. Imwe mari inoshandisa mari chete muzvikwereti, zvakasungwa kwenguva refu , uye mumatambudziko aya, mutengo wemugove unogona kuratidzika zvakasimba pane nguva.
Zvimwe mari, kunyanya izvo zvinotora nzira inoshungurudza uye / kana kuisa muzvikwereti zvepamusoro-soro zvakadai sepamusoro-kutengeserana zvisungo, zvinogona kuwana zvakakosha zvekugovana mutengo kuwedzerwa. Muna 2008, somuenzaniso, kusagadzikana kubva mumatambudziko emari kwakakonzera mahofisi makuru akawanda ekubvumira zvikwereti kuti arasike pakati pe30-40% yehuwandu hwavo. Mari dzinotengeswa mumatokari emakambani anotengesa ndezvimwewo zvakanyanya kusarudzwa mukati mekusagadziriswa kwemari, zvinoreva kuti mhedzisiro yenguva duku yekurasikirwa yakakwirira.
Kubatsirwa kweBond Fund
Pamusoro pezvikamu zvakanyanya, mari inopa hukuru hwekusiyana kune vashandi vakawanda vanogona kubudirira kuburikidza nehutano hwega. Mari yeBond inoshandiswawo zvepamusoro, izvo zvinoita kuti vashandi vanoita zvekuita zvisarudzo ivo pachavo. Pakupedzisira, mari inowanzova nyore kutenga uye kutarisira kupfuura hutano hwevanhu.
The Bottom Line
Kana kugadzikana kwepamusoro ndiko kunonyanya kunetseka kwako, iva nechokwadi chokuti kushambadzira kwaunosarudza kunopindirana nechinangwa chako. Kunyange zvazvo mari yezvisungo inobatsira, mari - kunyange iyo inowedzera muzvikamu zviduku zvinokonzera misika-zvingave zvisina kukodzera kune avo vanoda kuve nemari yakakwana yemari inowanika musi chaiwo.