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Investment for Beginners
Kune zvakawanda zvekutsvaga kwekutsvaga mari kune vatangi vekutanga, kusanganisira mutengo wemari uye robo-mazano.

Chinhu chikuru chisinganzwisisiki nezvekutsinhanisa ndechokuti chakachengetedzwa kune vapfumi.

Izvozvo zvingadaro zvakaitika kune imwe nguva makore 10 apfuura. Asi chipingamupinyi chekupinda chinopera nhasi, chinogumburwa pasi nemakambani nemabasa akave akaita basa ravo kuita sarudzo dzekutsvaga dzinowanikwa kune vose, kusanganisira vanotanga uye avo vane mari shoma shoma kuti vashandise kushanda.

Zvechokwadi, nemari zhinji yakawanda iye zvino inowanikwa kune vanotanga, haisi chikonzero chokudarika. Uye iyo ndiyo mashoko akanaka, nokuti kuisa mari ndiyo nzira yakanakisisa yekukura pfuma yako.

6 mari yakanaka yevatangi vekutanga
Heino hupfumi hutanhatu hunofananidzirwa nevatengesi vanotanga.

1. A 401 (k) kana imwe hurongwa hwekushandira mari
Kana iwe uine 401 (k) kana imwe chirongwa chekurega basa kubasa, ingangoita nzvimbo yekutanga yaunofanira kuisa mari yako - kunyanya kana kambani yako ichienderana nechikamu chemipiro yako. Mutambo iwo yemahara mari uye inovimbiswa kudzoka pane yako mari.

Iwe unogona kuwedzera kusvika ku $ 19,000 kusvika ku401 (k) mu2019 (kana $ 25,000 kana uri 50 kana kupfuura), asi izvozvo hazvirevi kuti unofanirwa kupa zvakawanda. Runako rweC401 (k) nderokuti pane kazhinji haisi hutengo hwekutsvaga.

Izvi zvinoreva kuti iwe unogona kutanga nediki shoma se1% yebhadharo rega rega, kunyange chiri chikonzero chakanaka chekuedza kupa zvipo zvishoma sezvinoitwa nomushandirwi wako. Semuenzaniso, iyo inowirirana yakarongeka urongwa ndeye 50% yekutanga 6% yemari yako yaunopa. Kuti uwane mutambo wakakwana mumamiriro ezvinhu akadaro, iwe unofanirwa kugovera 6% yemari yako yegore negore. Asi iwe unogona kushanda nzira yako kusvika panguva iyoyo.

Kana ukasarudza kugovera kune 401 (k), mari ichaenda kubva pahomwe yako kuenda kuigwaro usingatori kuzvikwata chako. Yakawanda ye401 (k) mipiro inoshandiswa mberi. Vamwe 401 (k) s nhasi vachaisa mari yako kusingagadzirwi mune chinangwa-zuva rekugadzirisa - zvimwe kune avo vari pasi - asi iwe unogona kuva nezvimwe zvisarudzo. Heino nzira yekuisa mari yako mu 401 (k).

Kuti usayine yako 401 (k) kana kudzidza zvakawanda nezverongwa hwako chaiwo, taura neH HR yako.

2. A robo-consevisor
Zvichida uri pane peji ino kuti udye peas yako, kuti utaure: Unoziva iwe unofanirwa kuisa mari, wakakwanisa kuchinganisa pamwe chete mari shomanana kuti uite kudaro, asi iwe unoda chaizvo kushamba maoko ako iyo yose mamiriro ezvinhu.

Pane mashoko akanaka: Iwe unogona zvikuru, nekuda kwevadzidzisi ve-robo. Aya mazano anobata mararamiro ako iwe uchishandisa makombiyuta maitiro. Pamusana pepamusoro pepamusoro, vanobhadhara mari shoma inowirirana nevatungamiriri vekutsinhanisa kwevanhu - mupiki-mazano anowanzobhadhara 0.25% kusvika 0.50% yemari yako yega rega pagore, uye vazhinji vanokubvumira kuti uzarure account pasina zvishoma.

Ndiyo nzira yakanaka yevatangi vekutanga kutanga kuisa mari nokuti vanowanzoda mari shoma shoma uye vanoita zvakawanda zvebasa renyu. Izvi hazvirevi kuti haufaniri kuchengeta maziso paakaunti yako - iyi ndiyo mari yako; hauzombodi kuva maoko akazara-asi mutevedzeri wemagetsi achaita zvakanyanya kusimudzira.

Uye kana iwe uchida kudzidza kudzidzira mari, asi iwe unoda rubatsiro ruduku kusimuka nekukurumidzira, varairi-mazano vanogona kubatsira ikoko, zvakare. Zvakakosha kuona kuti basa racho rinogadzira sei chikwereti uye mari inoshandiswa. Zvimwe zvebasa zvinopawo zvidzidzo zvezvidzidzo uye zvishandiso, uye vashomanana vanokubvumira kuti uite zvigadzirwa zvepodfolio yako kusvika pachiyero kana uchida kuedza zvishoma munguva yemberi.

Pano pane zvakawanda pavanowanikwa mazano, pamwe chete nemamwe mapikicha edu.


Inoda yakawanda yepamusoro purofiti uye mabhoti akachengeteka, heino Portfolio yevapi vezano vekutengesa kumusika we Forex neMetatrader 4 (14 yemari mapara, 28 marobhoti marobhoti)


https://forexfactory1.com/p/EuHp/

https://forexsignals.page.link/RealTime



3. Target-date mutual mari
Aya ndiwo marudzi akafanana neano robo-chipangamazano weyakare, asi iwo achiri kushandiswa zvakanyanya uye anonyanya kufarirwa, kunyanya muzvirongwa zvekurega basa. Target-date mutual mari ndeyekudyara mari iyo inongoerekana yaita pamwe neyako inofungidzirwa gore rekurega basa mupfungwa.

Ngatisimirei zvishomanana titsanangure kuti mutual fund ndeipi: kunyanya, dengu rekutsvaga mari. Vashandi vanotenga chikamu muhomwe uye mukuita kudaro, vanoisa mari muhomwe yese yekubatana nekutengesa kumwe.

Imwe maneja wemhizha inowanzosarudza kuti mari yacho inotengeswa sei, asi kune imwe rudzi rwehurukuro huru: Somuenzaniso, US equity mutual fund ichasara muzvikwata zve US (zvinonziwo zvikwata).

Chirongwa-zuva mutual fund chinowanzobata kusanganiswa kwematokisi uye zvisungo. Kana ukaronga kupedza basa mumakore e30, unogona kusarudza chikwata chezuva-chinangwa ne2050 muzita. Chikamu ichocho chinotanga kunyanya kubata mashizha kubva panguva yako yekurega basa iri kure, uye mari inodzoka inowanzove yakareba kupfuura kwenguva refu.

Nokufamba kwenguva, zvishoma nezvishoma zvichachinja zvimwe zvemari yako kune zvisungo, zvichienderana nemutungamiri mukuru waunoda kutora pangozi shoma sezvaunoswedera pakubhadhara.

4. Index mari
Nhepfenyuro yemari yakafanana nemari inobhadharwa kune autopilot: Panzvimbo yekushandisa maneja wemhizha kuvaka nekuchengetedza chikwereti chezvikwama zvekutsvaga kwekutsvaga, shandisa mari yekucherechedza purojekiti yemusika.

Rondedzero yemusika isarudzo yemari dzinomiririra chikamu chemusika. Semuenzaniso, iyo S & P 500 indekisi yemusika inobata masheya angangoita mazana mashanu emakambani makuru muUS An S&P 500 index fund yaizotarisira kuonesa mashandiro eS & P 500, kutenga masheya mune iyo index.

Nekuda kwekuti mari inotora mari inotora nzira yekuisa mari yekutsvaga kuburikidza nekutsvaga chikwata chemusika panzvimbo yekushandisa vashandi vekuchengetedza mahofisi, vanowanzotakura mari shoma shoma - mari inokwidza inobva pachiyero chamakaisa - kupfuura mutengo wemari. Asi semari pamwe chete, vatengi vemari muhurukuro yemari vari kutenga chunk yemusika mune rimwe mutengesi.

Nhepfenyuro yemari inogona kuva nehuwandu hwekutsinhanisa mari, asi mamwe makambani ekubhadhara, kusanganisira Fidelity naCharles Schwab, anopa sarudzo yemari yehurumende isina zvishoma. Izvozvo zvinoreva kuti iwe unogona kutanga kutora mari muchikwata chekunyorera zvishoma kudarika $ 100.

5. Exchange-inoshandiswa mari
ETFs dzinoshanda munzira dzakawanda senge index mari: Ivo vanowanzo tarisa indekisi yemusika uye vanotora nzira yekudyara. Ivo zvakare vanowanzo kuve nemari yepasi pane mutual mari. Kungofanana nehomwe yehomwe, unogona kutenga ETF iyo inoteedzera index yemusika seS & P 500.

Mhedzisiro huru pakati pe ETFs uye inoshandiswa mari ndeyekuti panzvimbo pane kutakura huwandu hwekutsinhanisa, ETFs inotengeswa zuva rose uye vatengi vanovatenga kuti vawane mutengo wemugove, iyo yakafanana nemutengo wematengo, inogona kuchinja. Mutengo iwoyo wekugovera ndeyekutsvaga kweEFF kwekutsvaga, uye zvichienderana nehomwe, inogona kubva kubva pasi pe $ 100 kusvika ku $ 300 kana zvimwe.

Nemhaka yekuti ETFs inotengeswa sechitoro, vatengesi vanowanzobhadhara komiti yekutenga kana kutengesa. Asi vatengesi vazhinji, kusanganisira avo vari pane iyi runyorwa rweakanakisa maTrok broker, vane sarudzo yemakomisheni-emahara ETFs. Kana iwe uchironga kugara uchiisa mari mu ETF - sezvinoitwa nevazhinji varairidzi, nekuita otomatiki kudyara mwedzi wega wega kana vhiki - iwe unofanirwa kusarudza iyo isina-komisheni ETF kuitira kuti usiri kubhadhara komisheni nguva dzese. (Heano mamwe mamiriro nezve makomisheni uye imwe mari yekudyara.)

6. Mapurogiramu ekudyara
Zvimwe zvikwereti zvekutsvaga mari kune vanotanga vatengesi vekutanga.

Imwe ndiyo Acorns, iyo inotengesa zvaunotenga pamabhadharo akabatanidzwa kana makadhi emakadhi uye inopa kuchinja mune imwe nzvimbo yakasiyana-siyana yeEFF. Pamugumo iwoyo, unoshanda semudzidzisi we-robo, kutarisira chikwereti ichocho kwauri. Hapana huwandu hwekuzarura nhoroondo yeAcorns, uye basa rinozotanga kuisa mari kune iwe kana wawana $ 5 mune zvese-rounds. Iwe unogonawo kuita bundu-sum deposits.

Acorn anobhadharisa $ 1 pamwedzi yeakaundi account yekudyara uye $ 2 pamwedzi yeakaundi yega yekubatira. Yedu isingabvunzwe kuraira: Max kunze iyo IRA account usati watanga kushandisa yakajairwa Investment account - kune emitero maricho kuIRA iyo iwe yausingade kupotsa. (Dzidza zvakawanda nezveIRA pano.)

Rimwe sarudzo yekushandisa iStash, iyo inobatsira kudzidzisa vatyairi vemari kuti vanovaka sei mapepafisi avo kunze kweEFs uye mashizha ega. Stash inotora $ $ Nhamba ye5 shoma uye ine mukana wakafanana wekubhadhara kuAcorns, kunyange zvazvo zviyero zvepamusoro $ 5,000 zvinodhadirwa 0.25% zveyero iyo gore negore, pane mari yakazara.


Inoda yakawanda yepamusoro purofiti uye mabhoti akachengeteka, heino Portfolio yevapi vezano vekutengesa kumusika we Forex neMetatrader 4 (14 yemari mapara, 28 marobhoti marobhoti)


https://forexfactory1.com/p/EuHp/

https://forexsignals.page.link/RealTime