Vashandi Vanogona Kushandisa Diversified Portfolio Sekubatana Kwemari
Izvi zvakasiyana nemari yekuchengetedza zvikwereti, umo kushambadzira kunokweretesa kuvhengi kune vatengesi kuitira chinangwa chekutengesa zvishomanana matanda kana zvimwe zvinhu. Zvivimbiso-zvakatsigirwa zvikwereti, zvinozivikanwawo sevheti-yekuchengetedza chikwereti, panzvimbo iyo inoshandisa zvivimbiso semari yekuwana mari yekuwana zvikwereti kune varairi.
Ndezvipi Zvakachengetedzwa-Mari Yakaendeswa?
Chikwereti-chekubhadhara chikwereti chikwereti chakakanganiswa nehuwandu hwemarikiti wezvikwereti zvekuchengetedzwa zvakakodzera sekushamba uye kusungirwa. Anokwereta anoisa zvikwereti mune imwe nhoroondo iyo uyo anokweretesa ane mari, uye uyo anokweretesa anowanzoita mari inowanikwa mari kubva kune 50 kubva kuzana kusvika 95 muzana yevhudziro yekutengeswa kwemari. Mari chaiyo inobva pane izvo zvakasikwa zvakasikwa muhofisi yepamusoro uye nehuwandu hwekusiyana. Semuenzaniso, uyo anokweretesa angabvumirana nemari yakawanda inopesana nepapotipoti yeUnited States Treasury pane pepanhau inobata imwe chete, yakaiswa panzvimbo yepamusoro.
Kukweretesa Mukuita
Kana uyo anenge akwereta achida kuwana mari yechikwereti, anonyora cheki rinopesana nekwereti yekwereti kana kuti anopa mirayiridzo kumatare emari kubhengi yebhangi. Sezvo kukosha kwechibvumirano chechibvumirano chiri kuchinja, kukwaniswa kwekwereti kwekambani kunopfuurira, izvo zvingaita kuti zvidikanwe kuisa mari yakawedzerwa zvimwe nenzira yemari kana kuti nokuisa mamwe mashizha nezvisungo zvisati zvichisanganiswa muzvibvumirano.
Anokwereta anogonawo kudzorera zvimwe kana kuti zvose zvinokweretesa chikwereti. Kana zvisina kuitwa mukati meimwe nguva inozivikanwa se "chirwere chepanguva," iyo inogona kubva kubva mumazuva maviri kusvika pamasikati makumi matatu, uyo anopa chikwereti achabvisa zvivimbiso zvinoshanda sechisimbiso nokuvatengesa.
Vanokwereta vanokodzera vanogona kunosanganisira vanhu, vashandi vanobatana, pamwe nevatongi vanogara vachiregererwa umo mutongi, trustor, uye vanobatsirwa zvakafanana. Zvichienderana nedzimwe mari, zvikwereti zvinogona kubva kubva ku $ 100 000 kusvika ku $ 5,000,000 kana zvichida zvakanyanya nokuda kwepamusoro-net-vanhu vanokosha. Izvi zvikwereti zvine mazwi akafananidzirwa kune akakwereta ane nguva shoma uye yakapedzana; makore mashanu akajairika.
Batsiro Kune Vashandi
Zvivigiro-zvikwereti zvinotsigirwa zvine zvikomborero zvakawanda. Vanogona kupa kune akakwereta zvishoma zvakaderera kufarira kwemajeri uye kuderedzwa panjodzi kune dzimwe nzira dzakadai semari yekukweretesa , kunyange zvazvo vachiri nematambudziko makuru kune mamwe maitiro ekukweretesa. Uyezve, vanopa hukuru hwekugadzirisa mubhadharo uye vanopa nguva yekurapa kuti vawane zvido zvekuwedzera mari. Izvi zvinopesana nezvinodiwa nokukurumidza kuti udzorere chikwereti chemari.
Nharaunda inofarira kune chikwereti chekuchengetedza mari inowirirana kazhinji inowanikwa pamutengo wepamusoro peLondon Interbank Offer (LIBOR) .
Izvi zvinopararira zvakasiyana asi, kazhinji, iyo inowedzera kukoshesa kwekusimudzira mari, iyo yakaderera chikamu chechido. Mune zvimwe zviitiko, uyo anokweretesa anogona kuderedza chikwereti chechikwereti pane chikwereti chekuchengetedzwa-chekubhadhara kana akabvumirwa kuisa "kuwanda kweuchenjeri" link pane wevatengesi veimba yeimba kana nzvimbo . Izvi zvinogonawo kubvumira mubhadhari kubvisa chikwereti chechikwereti pamutero wayo wekubhadhara. Zvimwe zvikwereti-zvikwereti zvakabhadharwa zvinopawo chido chekubhadhara chete.
Bhizimisi Rinova Nengozi reMafungiro-Mari Yakabhadharwa
Pasinei nezvinobatsira, zvikwereti-zvikwereti zvakabhadharwa zvinouya nezvimwe ngozi. Kunyangwe kambani yakagadzikana ine nhoroondo yekutengesa-mutengo inogona kuendeswa kune mamiriro ezvinhu ehupfumi ehupfumi uye kuona mutengo wayo wekutengesa.
Kana zvikwereti zvakaenzana uye zvikwereti zvisingabatsiri zvinotadza, izvo zvinowanzoitika mumitambo, kukosha kwemusika kwezvinhu zvizhinji zvinogona kuuraya maitiro aimbofungidzirwa kare.
Kunze kwekuti munhu anenge akwereta ane zvakawanda zvakasara zvisiri izvo kunze kwemari yekuchengetedza chikwereti, kana zvikwereti zvinotsigira chikwereti chacho zvinenge zvakakwana zvakadai sezvikwereti zvenguva pfupi zveAmerica yeHurumende, izvi zvinogona kuita kuti bhangi ridane mubasa romutengesi. Izvi zvinogona kukonzera kumanikidzirwa kumanikidzirwa kweaibhadhara chikwereti pamatambudziko asina kukodzera. Anokwereta ave nemukana wekutenga nekubata akabviswa kwaari, uye haana chaanosarudza kumirira yemusika kuti awanezve.
Imwe njodzi ine chekuchengetedza-zvikwereti zvinotsigirwa ndeyekuti uyo anokweretesa angave asisati anzwa akasununguka nehutano hwakachengetedza huchiita sehutengo. Somuenzaniso, fungidzira kuti iwe unobata chikamu chikuru chezviyo mune izvo zvaimbova kambani inoremekedzwa, yakadai seEastman Kodak. Sezvo kamera dzemakambani dzichibvisa purofiti yekambani iyi, bhangi ringadaro rakasarudza kuti raisazobvuma kugamuchira Eastman Kodak semutengo. Iwe ungadai wakafanirwa kutengesa zvigaro zvako zveEastman Kodak uye kuisa mari yacho mune chimwe chinhu chakanga chagamuchirwa kune chikwereti chaidiwa, kana iwe ungadai wakadikanwa kugovera mari yakawedzerwa kune iyo yakachengeteka iyo yakachengetedza chibvumirano chako kuti urege kuva nemutsetse wekwereti kuderedza kana kubviswa. Kuti kuderedze mamwe marudzi ematambudziko, zvikwereti-zvikwereti zvakabhadharwa zvinewo chiremera chinokosha: Anokwereta haagoni kushandisa mari kubhadhara chikwereti chemajeri kana kuisa mune dzimwe dhuti.
Iko Balance haisi kupa mutero, utsvaga, kana mari yemari uye mazano. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kubvumira kusangana nematambudziko kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru.