Kuisa mari mumatanda inzira huru yekuwedzera hupfumi. Kune varairidzi venguva refu, masheya imari yakanaka yekudyara kunyangwe panguva dzekushomeka kwemusika - musika wekutengesa wakaderera zvinongoreva kuti masheya mazhinji ari kutengeswa.
Imwe yedzakanakisa nzira dzevatangi vekutanga kutanga kuisa mari mumusika wemasheya kuisa mari muaccount yekudyara yepamhepo, iyo inogona kuzoshandiswa kutenga masheya kana mutual funds yezviito. Nema broker mazhinji pamhepo, unogona kutanga kuisa mari kumutengo wechikamu chimwe chete.
Maitiro ekudyara mumusika weUS stock
Heano maitiro ekudyara mumatura mumatanho matanhatu:
1. Sarudza maitiro aunoda kuisa mari mumatura
Kune nzira dzinoverengeka dzekusvika kuEquity investing. Sarudza sarudzo iripazasi iyo inomiririra zvakanyanya zvaunoda kuisa mari uye mashandiro aungade kuve iwe mukusarudza mumatura aunodyara mairi.
Ini ndiri werudzi rwe DIY uye ndinofarira kusarudza masheya uye mari yemasheya yangu. Ramba uchiverenga; Chinyorwa ichi chinotarisa zvinhu zvinoshanda vatyairi vemari vanofanirwa kuziva, kusanganisira nzira yekusarudza akaundi account yezvido zvako uye kuti ungaenzanisa sei mari dzekudyara.
Ndinoziva masheya anogona kuve mari hombe, asi ndinoda mumwe munhu kuti andigadzirise. Iwe unogona kuve mukwikwidzi akanaka weiyo robo-chipangamazano, sevhisi inopa yakaderera-mutengo kudhara manejimendi manejimendi. Anenge mafemu makuru ese ekukweretesa anopa aya masevhisi, kuisa mari yako zvichienderana nezvinangwa zvako.
Paunenge uchinge uine chaunoda mupfungwa, wagadzirira kutenga account.
2. Sarudza account yekudyara
Kazhinji kutaura, kuisa mari mumatanda, unoda account yekudyara. Kune iwo anoshanda marudzi, izvi zvinowanzoreva account ye brokerage. Kune avo vanoda rubatsiro diki, vhura account kuburikidza ne robo-chipangamazano iyo sarudzo inonzwisisika. Isu tinoputsa ese maviri maitiro pazasi.
Pfungwa yakakosha: vese mabroker uye maRobo mazano vanokutendera iwe kuvhura account nemari shoma kwazvo.
Sarudzo DIYI: VHURA BHUKU RENYAYA
Iyo online online brokerage account pamwe inopa yako inokurumidza uye isingadhuri nzira yekutenga masheya, mari, uye dzakasiyana siyana dzimwe investments. Uine broker, iwe unogona kuvhura yega munhu wekurega account, inozivikanwawo se ENDA KU , kana iwe unogona kuvhura accountable tax brokerage account kana iwe uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge waenda.
Iwe uchazoda kuongorora vatengesi zvichibva pazvinhu zvakaita semitengo (makomisheni ekutengesa, mubhadharo weakaundi), sarudzo yekudyara (tsvaga sarudzo yakanaka yeekhomisheni-yemahara ETFs kana uchisarudza mari), uye investor kutsvagisa uye maturusi.
Sarudzo YAKANYANYA: VHURA ROBO-MUNYANZVI Nhoroondo
Robo-chipangamazano anopa mabhenefiti ekudyara mumasheya, asi haadi muridzi wayo kuti aite hwaro hwakakosha kuti asarudze ega mari. Robo-chipangamazano masevhisi anopa yakakwana yekudyara manejimendi - Aya makambani anokubvunza nezve ako ekudyara zvinangwa panguva yekukwira bhodhi uyezve wovaka portfolio yakagadzirirwa kuzadzisa izvo zvinangwa.
Izvi zvingaite kunge zvinodhura, asi manejimendi manejimendi pano kazhinji chikamu chemutengo wezvaizobhadharwa nemaneja weinvestment - vazhinji varobo-varairidzi vanobhadharisa nezve 0.25% yeakaundi yako account. Uye hongu, iwe unogona zvakare kuwana IRA kubva kune robo-chipangamazano kana uchida.
Sebhonasi, kana iwe ukavhura account neiyo robo-chipangamazano, pamwe haufanire kuverenga zvimwe muchinyorwa chino; zvimwe zvacho ndezve izvo zvemhando dze DIY.
3. Ziva musiyano uripo pakati pemasheya uye masheya mutual mari.
Kuenda nenzira ye DIY? Usanetseke. Kuisa mari mumatokisi hakufanirwe kunge kwakaomarara. Kune vanhu vazhinji, kuisa mari mumusika wemasheya kunoreva kusarudza pakati peizvi mhando mbiri dzekudyara:
Stock mutual mari kana mari yekuchinjana-yakatengeswa. Mutual mari inobvumidza iwe kuti utenge zvidimbu zvidiki zvakawanda zvakasiyana mumatengesi kamwe chete. Index mari uye ETFs rudzi rwe mutual fund iyo inoteedzera index; semuenzaniso, homwe ye Yakadzika & Varombo mazana mashanu inodzokorora index iyoyo nekutenga migove yemakambani anoisanganisa. Paunodyara muhomwe, iwe zvakare une zvidiki zvidiki zveimwe yeayo makambani. Iwe unogona kuunganidza mari yakawanda kuti uvake nzvimbo dzakasiyana-siyana. Ziva kuti stock mutual mari zvakare dzimwe nguva inonzi stock mutual mari.
Zviito zvega. Kana iwe uchitsvaga yakatarwa kambani, unogona kutenga imwechete stock kana mashoma masheya senzira yekupinda mukati memvura yekutengesa masheya. Izvo zvinokwanisika kuvaka musiyano wakasarudzika kubva kune mazhinji masheya, asi zvinoda kukosha kwakakosha.
Iko kunakirwa kwesheya mutual mari ndeyekuti ivo vane zvakasikwa zvakasiyana, zvichideredza njodzi yako. Kune vazhinji varairidzi, kunyanya avo vari kuisa mari yavo pamudyandigere, chikwereti chakagadzirwa kunyanya chemari yemari chisarudzo chakajeka.
Asi mari yemubatanidzwa haigone kusimuka seyemeteoric sezvinoita mamwe masheya. Kubatsira kwesheya yega ndeyekuti sarudzo yakangwara inogona kubhadhara, asi mikana yekuti chero chinhu chimwe chete chinoita kuti upfume chakanyanya kuderera.
4. Gadzira bhajeti rako rekudyara mumatura
Vatsva vatsva vanowanzove nemibvunzo miviri padanho iri rehurongwa:
Marii yandinoda kutanga kuisa mari mumatokisi? Huwandu hwemari iwe yaunoda kutenga wega mugove zvinoenderana nekuti anodhura sei masheya. (Mitengo yemasheya inogona kubva pamadhora mashoma kusvika kune mashoma zviuru zve Madhora). Kana iwe uchida mutual mari uye uri pane bhajeti diki, iyo yekuchinjana-yakatengeswa mari (ETF) inogona kunge iri yako yakanyanya kunaka sarudzo. Mari dzekudyidzana dzinowanzove nemari inosvika madhora chiuru kana kudarika, asi ETFs inotengesa sechikamu, zvinoreva kuti unozvitenga pamutengo wechikamu chimwe chete (mune zvimwe zviitiko, pasi pe $ 100).
Marii yandinofanira kuisa mari mumatanda? Kana iwe uri kuisa mari kuburikidza nemari, isu takataura here kuti izvi ndizvo zvinofarirwa nevazhinji varairidzi vezvemari? - iwe unogona kugovera chikamu chakakura kwazvo chenhoroondo yako kumari yemari, kunyanya kana uine nguva yakareba yakatarisa. Ane makore makumi matatu ekuberekesa mari yekurega basa anogona kuva ne80% yeiyo portfolio mune mari yemari; yasara inenge iri mumabond funds. Zviito zvega zvega imwe nyaya. Mutemo wakawanda wechigunwe ndewekuachengeta mune chidiki chikamu cheako wekudyara portfolio.
5. Tarisa pane iyo yakareba nguva
Kuisa mari mumatokisi kwakazara nemaitiro akaomarara uye nzira, asi vamwe vevatengesi vanobudirira vakaita zvishoma pane kungoomerera kune zvekutanga. Izvi zvinowanzoreva kushandisa mari kune yakawanda yako portfolio: Warren Buffett ataura kuti yakaderera mutengo S & P 500 index fund ndiyo yakanakisa kudyara inowanzoitwa nevazhinji vekuAmerican, kusarudza masheya ega chete kana iwe uchitenda mune inguva refu yekambani kugona. kuwedzera.
Chinhu chakanakira kuita mushure mekunge iwe watanga kuisa mari mumatokisi kana mutual mari inogona kunge iri yakaoma kwazvo - usatarise kwavari. Kunze kwekunge iwe uri kuyedza kurova zvisingaite uye ubudirire mukutengesa kwezuva, zvakanaka kuti udzivise tsika yekumanikidza kutarisa masheya ako kakawanda pazuva, zuva rega rega.
6. Chengetedza chikamu chako chematokisi
Kunyangwe uchinetsekana nezvekuchinja kwezuva nezuva kusingaite zvakanyanya kune hutano hwepotifoliyo yako, kana yako wega, zvirokwazvo pachave nenguva apo iwe uchafanirwa kutarisa masheya ako kana kumwe kudyara.
Kana iwe ukatevera nhanho dziri pamusoro kuti utenge mutual mari uye wega masheya nekufamba kwenguva, iwe uchazoda kuongororazve yako portfolio kanoverengeka pagore kuti uone kuti ichiri kuenderana nezvinangwa zvako zvekudyara.
Zvimwe zvinhu zvekufunga nezvazvo: Kana iwe wave kusvika pamudyandigere, iwe ungangoda kuendesa imwe yeako equity investa kune yakawanda inochengetedza yakagadziriswa mari yekudyara. Kana yako portfolio yakaremerwa zvakanyanya mune rimwe chikamu kana maindasitiri, funga kutenga masheya kana mari mune rakasiyana chikamu kuti uwedzere kusiyanisa. Pakupedzisira, teerera kune kusiyanisa kwenzvimbo zvakare. Vanguard inokurudzira kuti masheya epasi rese anomiririra kusvika makumi mana muzana emasheya mune ako portfolio. Iwe unogona kutenga epasi rese stock mutual mari kuti uwane uku kuburitswa.
Zano: Kana iwe ukaedzwa kuvhura account ye brokerage asi uchida mamwe mazano pakusarudza iyo chaiyo, tarisa yedu yazvino kutenderera yevakanakisa ma broker evatengesi vemari. Enzanisa nhasi epamhepo epamhepo broker pamametric ese anonyanya kukoshesa kune vanoita mari: makomisheni, sarudzo yekudyara, zviyero zvishoma zvekuvhura, uye maturusi ezvekushandisa uye zviwanikwa.
Inowanzo bvunzwa mibvunzo nezve kudyara mumatura
Iwe unayo chero matipi ekudyara kwevatangi?
Zvese zvehungwaru pamusoro pekudyara mumatura zvinoitirwa vatyairi vatsva. Asi kana isu tichifanira kusarudza chinhu chimwe chete kuti titi kune vese vatangi vemari, zvingadai zviri izvi: kuisa mari hakusi kwakaoma, kana kuomarara, sekurira kwazvo.
Imhaka yekuti kune akawanda maturusi anowanikwa kuti akubatsire. Imwe yeakanakisa ndeye stock mutual mari, iri nyore uye isingadhuri nzira yevatangi vekudyara mumusika wemasheya. Mari idzi dzinowanikwa mukati me401 (k), IRA, kana chero account inobhadharisa mutero. Mari yeS & P 500, iyo inonyatsokutengera zvidimbu zvidiki zvevaridzi mumazana mashanu emakambani makuru eAmerica, inzvimbo yakanaka yekutanga.
Imwe sarudzo, sezvataurwa pamusoro apa, ndeye-robo-chipangamazano, iyo inogadzira uye igadzirise portfolio yako yemubhadharo mudiki.
Muchidimbu: Kune nzira dzakawanda dzekudyara kune vanotanga, pasina kudikanwa kweruzivo rwemberi.
Ndinogona here kuisa mari kana ndisina mari yakawanda?
Pane zvipingaidzo zviviri zvekudyara zvidiki zvemari. Nhau dzakanaka? Ose ari maviri anokundwa zviri nyore.
Dambudziko rekutanga nderekuti mari zhinji dzinoda hushoma. Chechipiri ndechekuti zvinonetsa kusiyanisa zvidiki zvemari. Kusiyanisa, nemasikirwo, kunosanganisira kuparadzira mari yako. Mari shoma yauinayo, zvinonyanya kunetsa kugovera.
Mhinduro yezvose zviri zviviri ndeyekuisa mari muquity index mari uye ETFs. Kunyange mari yemubatanidzwa ingangoda hushoma hwemadhora chiuru kana kudarika, index fund minimums inowanzove yakaderera (uye ETFs dzinotengwa nemutengo wemugove unogona kunge wakadzikira). Ma broker maviri, Fidelity naCharles Schwab, vanopa indekisi yemari isina mashoma. Index mari inogadzirisawo dambudziko rekusiyana-siyana nekuti vane masheya mazhinji akasiyana muhomwe imwe chete.
Chinhu chekupedzisira chatichataura nezve izvi: Kuisa mari mutambo wenguva refu, saka haufanire kuisa mari yaungade munguva pfupi. Izvi zvinosanganisira kosi yemari yezve emergency.
Masheya imari yakanaka yekudyara kwevanotanga?
Ehe, chero bedzi iwe uchinge wakasununguka kusiya yako mari yakaiswa kweinenge makore mashanu. Sei makore mashanu? Izvi zvinodaro nekuti hazvishamise pamusika wemasheya kuti uwane kuderera kwehupfumi kunogara kwenguva yakareba kupfuura iyoyo.
Asi pachinzvimbo chekutengesa wega masheya, tarisa pamasheya mutual mari. Nemari yekudyidzana, unogona kutenga hombe sarudzo yemasheya muhomwe.
Izvo zvinokwanisika kuvaka dhivhidhiya portfolio kubva kune yega masheya? Ehe saizvozvo. Asi kuita izvi kunotora nguva yakareba - zvinotora yakawanda kutsvagisa uye ruzivo rwekutarisira chikwereti. Stock mutual mari, kusanganisira index mari uye ETFs, ita basa iro kwauri.
Ndedzipi ndedzakanakisa kudyara mumusika wemasheya?
Mune maonero edu, akanyanya mari ekudyara mumusika wemasheya anowanzo kuve akadhura mutual mari, senge index mari uye ETFs. Nekutenga izvi pachinzvimbo chega chemasheya, unogona kutenga hombe chunk yemusika wemasheya mune imwe transaction.
Index mari uye ETFs zvinotevera bhenji index, semuenzaniso S & P 500 kana iyo Dow Jones Industrial Avhareji, zvinoreva kuti mashandiro emari yako acharatidza mashandiro eiyo bhenji index. Kana iwe wakadyara muhomwe yeS & P 500 index uye iyo S & P 500 yakwira, mari yako ichave iri futi.
Izvi zvinoreva kuti haizokunda musika, asi zvinorevawo kuti musika hausi kuzoirova. Vashandisi vanotengesa masheya ega pane mari kazhinji vanoita zvisizvo pamusika kwenguva yakareba.
Ndingaite sei kuti ndione pekuisa mari yacho?
Mhinduro yekuti kupi kwekudyara inonyatsouya kune zvinhu zviviri: iyo nguva yakatarisa yezvinangwa zvako uye kuti yakawanda sei njodzi yauri kuda kutora.
Ngatitorei nguva yacho kutanga: Kana iwe uri kuisa mari kune chinangwa chiri kure, sekurega basa, iwe unofanirwa kuisa mari kunyanya mumatanda (zvakare, tinokurudzira kuita izvi kuburikidza nemari yemubatanidzwa).
Kuisa mari mumatokisi kunoita kuti mari yako ikure uye kurova inflation nekufamba kwenguva. Sezvo chinangwa chako chinosvika, unogona kutanga zvishoma nezvishoma kudzikisa mugove wako uye kuwedzera mamwe mabond, ayo anowanzo kuve akachengeteka mari.
Kune rimwe divi, kana iwe uri kuisa mari kune pfupi-temu chinangwa, isingasviki makore mashanu, pamwe haudi kuisa mari mumatanda zvachose. Pane kudaro, funga nezvekudyara kwenguva pfupi.
Pakupedzisira, chimwe chinhu: njodzi shiviriro. Iko musika wemasheya unokwira nekudzika, uye kana iwe uchikwanisa kutya kana uchinge waita wekupedzisira, zvakanakisa kudyara zvishoma zvishoma zvine hungwaru, pamwe neyakareruka kugoverwa kumatokisi.
Ndeapi masheya andinofanira kuisa mari?
Ratidza iro rakaputswa rekodhi: Kurudziro yedu ndeyekuisa mari mumatura mazhinji kuburikidza nesitoko mutual fund, index index, kana ETF - semuenzaniso, S&P 500 index fund inobata zvese zveS & P 500 masheya.
Nekudaro, kana iko kunakidzwa kwekutora masheya kwaunoteedzera, izvo zvingangodaro zvisingashande. Iwe unogona kukwenya iyo itch uye chengetedza hembe yako nekutsaurira 10% kana pasi peiyo yako portfolio kune yega masheya. Ndezvipi? Yedu yakazara runyorwa rwe akanakisa masheya, akavakirwa parizvino mashandiro, ane mamwe mazano.
Iko Kutengesa Kwevatengesi Kwevatanga?
Nepo masheya akakurisa kune vazhinji vatangi vekutanga, iyo yekutengesa chikamu cheichi chirevo pamwe hachisi icho. Zvichida isu takatonzwisisa iyi poindi, asi kudzokorora: isu tinokurudzira zvikuru kutenga uye kubata nzira tichishandisa masheya mutual mari.
Ndicho chakapesana chaicho nekutengesa masheya, izvo zvinotora kuzvipira uye yakawanda yekutsvaga. Vatengesi vemasheya vanoedza kupa nguva musika wemikana yekutenga yakaderera uye kutengesa yakakwira.
Kujekesa: chinangwa chemumwe muridzi wemari ndechekutenga zvakaderera uye kutengesa zvakakwirira. Asi nhoroondo inotitaurira kuti iwe ungangoita saizvozvo kana iwe ukachengetedza mari dzakasiyana siyana, senge mutual fund, kwenguva refu. Kushanda kwekutengesa hakudiwe.
Zviri Mukati
- Maitiro ekudyara mumusika weUS stock
- 1. Sarudza maitiro aunoda kuisa mari mumatura
- 2. Sarudza account yekudyara
- Sarudzo DIYI: VHURA BHUKU RENYAYA
- Sarudzo YAKANYANYA: VHURA ROBO-MUNYANZVI Nhoroondo
- 3. Ziva musiyano uripo pakati pemasheya uye masheya mutual mari.
- 4. Gadzira bhajeti rako rekudyara mumatura
- 5. Tarisa pane iyo yakareba nguva
- 6. Chengetedza chikamu chako chematokisi
- Inowanzo bvunzwa mibvunzo nezve kudyara mumatura
- Iwe unayo chero matipi ekudyara kwevatangi?
- Ndinogona here kuisa mari kana ndisina mari yakawanda?
- Masheya imari yakanaka yekudyara kwevanotanga?
- Ndedzipi ndedzakanakisa kudyara mumusika wemasheya?
- Ndingaite sei kuti ndione pekuisa mari yacho?
- Ndeapi masheya andinofanira kuisa mari?
- Iko Kutengesa Kwevatengesi Kwevatanga?