$ 5 +
Nzira Yokushandisa Mari Yako: Mutungamiri Wokutanga
Iwe unoda kudzidza sei kuisa mari asi usingazive pekutangira? Takaisa pamwe chete iri rinobatsira gwara rekuita Kuisa mari kune vanotanga kukuisa munzira kwayo yekudzivirira nekukura mari yako yawakawana nesimba.
Ndiani Anogona Kupa?
Pamberi pete, ngatitaure mubvunzo uyu: Ndiani angasara?
Mhinduro yacho iri nyore chaizvo: Ani zvake!
Isu tine mufananidzo uyu mumisoro yedu yevatengesi sekutarisa sezvinoita dude kubva mumutambo weMonopoly kana seGordon Gekko kubva kuWall Street.
Kamwe pane imwe nguva, iyo ingangodaro yaiva yechokwadi. Mushure mezvose, varume vatove vakapfuma ndivo vaiva nemari yakachengetedza uye nguva yekuzvipira kumusika wekutengesa.
Zvisinei, hazvisisiri nyaya. Kakawanda nekuda kwerinhare, kuisa mari kwave kwakagadziriswa. Ichokwadi, iwe unogona kutanga nemadhora mashomanana chete.
Chero ani zvake - zvisinei nezera, murume kana mukadzi, mari yaanotambira, nezvimwewo - anogona tanga kuisa mari nhasi.
Nei Uchifanira Kuisa Mari Yako?
Ndanzwa nyaya yakafanana kubva kuvanhu vakawanda vandinonyatsoziva: "Ndeipi pfungwa yekuisa mari? Ndine mari shoma shoma yekuisa mari yakasara shure kwekubhadhara mari yangu. Zvichida ini handigoni kuita zvakakwana kuti ndiite mutsauko, kana ini ndicharasikirwa nazvo! "
Zvinhu zvokutanga kutanga. Tiri pano kuMudzimai Junkie zvirokwazvo haadi kuti iwe urasike. Ndicho chikonzero nei tichiyambira vanhu pamusoro pemitemo ine ngozi kana sekutengesa zuva. Chinangwa chedu ndechekukupa nzira dzakachengeteka, dzakachengetedza kukura mari yako yezviitiko zvinokosha zvakadai sekurega basa kana yevana vako vekudzidzira kwekoroji. Isu hatidi kuti iwe utambire iyo dendere rinokosha mazai kure!
Kana iri imwe pfungwa - kusave nemari yakawanda tanga kuisa mari - iwe ungashamisika kuti zvishoma zvinoenda kure kure. Ndiko kutenda kune simba remhindu yemubatanidzwa.
Nechidimbu chechidimbu, nguva iri kurutivi rwako.
Ngatitaurire kuti uri wemakore 25 uye iwe unokwanisa kudhonza pamwe $ 5,000 pagore kuti uise mari. Ndiyo mari yaungangodaro yakawana kubva kumabhonasi ezororo kubva kumubatsiri wako uye zuva rekuchekwa kwezuva rokuzvarwa kubva kumunun'una Aunt Mabel.
Chero zvakadaro, kana iwe waizoshandisa $ 5,000 gore rose nekuda kwemakore 40, apo iwe uri 65 uye wakagadzirira kurega basa, iwe uchapedza $ 200,000 chete. Asi kana iwe uchizoisa mari iyo mukuchengetedzwa kwakachengeteka, tiudze 7% gore rekudzoka, iwe unenge waita $ 1,068,048. Zvinodarika $ 1 mamiriyoni!
Uye kana iwe waizowedzera mipiro yako yemwedzi, iwe unogona kuona mari yakawanda kana yava nguva yekurega. Zvechokwadi, kunyange zvazvo Millennials yakanyatsogadzirira kushandisa zvakakwana kuwedzera, munhu wose anogona kubatsirwa.
Zvisinei, nokukurumidza iwe unotanga kuisa mari, zviri nani - kunyange iwe uri wechidiki.
Heano mamwe matanho akakosha aunofanira kutora paunenge uchitanga yako rwendo rwekuvaka pfuma.
Nguva Yakadini Yokutanga Kutenga?
Mhinduro kumubvunzo uyu inofanira kunge isina-brainer. Mhinduro yakajeka ikozvino! Yeuka, sezvandakataura pamusoro, nguva iri kurutivi rwako. Saka shandisa zvakanakisa izvozvo.
Zvino, zvechokwadi, iwe unowedzera sei uye iwe unofanirwa kunge uchida kutenga chii chinogona kusiyana nemakore. Somuenzaniso, kana uri wemakore 30, iwe une makumi emakore mashomanana usati wapera basa. Iwe unogona kutamba nemari yakareba kwenguva yakareba sezvikwata zvinenge zvisingakonzereri kune mumwe munhu pamusana pokusiya basa. Mushure mezvose, zvikwata zvinogona kurasikirwa nekukosha kwavo nokukurumidza, asi kana une 30 makore akawanda usati waida mari iyo, unogona kukwanisa kuita gamba.
Kana iwe uri pedyo nekusununguka kwemakore, unoda kufunga nezvekuchengetedza izvo zvawave uine. Mariyo yakachengeteka, yakasimba - kunyanya apo pane zvikamu zvakabatanidzwa - ichisarudzo chakanaka kwauri.
Chii Chaunofanira Kuita?
Usati watanga kuisa mari yako, iwe unofanirwa kuve nekunzwisisa kwemhando dzakasiyana dzeasset makirasi anowanikwa kune vanoisa mari nhasi. Tinogona kutsanangura "asset kirasi" seboka remhando dzakafanana dzekudyara. Iwe unogona kuisa mari mukirasi imwe yeasset kana akawanda. Musanganiswa wemakirasi easset unogona kukupa yakanyatso kutenderedzwa portfolio inogona kukwira nekudzika. Semuenzaniso, zvivakwa zvinogona kunge zvichikwira apo masheya ari kudzika! Musanganiswa wemakirasi easset mune yako portfolio inowanzonzi yako asset allocation.
ZVAKANAKA FOREX ROBOT - Portfolio yevanopa mazano ezvekutengesa pamusika weForex neMetatrader 4 (14 mari pairs, 28 forex marobhoti)
Heano mavhesi ekutanga emari yevatengesi:
Mikana: Zvechokwadi, mashizha. Iwe une zvikamu mune chimwe chinhu.
Fixed Revenue: Uyewo inozivikanwa sekwereti. Iwe unokweretesa mari kune hurumende kana sangano uye ichabhadhara chikwereti mukudzoka. Mienzaniso inosanganisira zvisungo uye zvigwaro zvekuiswa.
Cash: Uyewo kusanganisira mari yakaenzana. Iwe unodzvara mari yako munyaya yekuchengetera inotora chikwereti, somuenzaniso.
Real Estate: Pano, iwe une pfuma chaiyo.
Zvokudya uye Matombo anokosha: Sezvine dzimba, iwe une chinhu chaicho - ingava yegoridhe, mafuta kana inguruve. Iwe unogona kuatengesa, asi uchionga, iwe haunombofaniri kutora zvadzo.
Mazano uye Zvimwe Zviitiko: Iwe unoshambadzira (ramangwana, zvisarudzo, nezvimwewo), kukosha kwaro kunobva pane imwe yenyika. Zvakaoma, asi unogona kuverenga zvakawanda pano.
Chii Chaunoshandisa Kuisa Mari?
Kana iwe wakafanana nevakawanda vedu, iwe wakanamatira kutora chimwe chezvinhu izvi zveGoofy Facebook: Ndeipi Star Trek Alien Uri Iwe? Ndeipi Inonzi Stinky French Cheese Matches Unhu Hwako? Iwe unoziva kudonha.
Zvakanaka, heino imwe iyo inonyatsoshanda: Chii Chako Chakuisa Mari?
Nzira chete yekupindura nayo mubvunzo uyu ndeyokuva wakatendeseka newe pachako. Chengetedza mbiri mbiri dzevatori venyika uye tsanangura kuti ndeipi inokodzera yako yekutsvaga chimiro chakanakisisa.
Mashoko api aunobvumirana nawo?
"Ndinosarudza kuva neruzivo kutarisira mari yangu kwandiri." Kana iwe uchida "kuisa uye kukanganwa," iwe uchange uchifara zvikuru uchishandisa mubatsiri wepa robo. Vanoita zvose zvinorema kukusimudzira iwe! Zvisinei, iwe ungawana kusakwanisa kwekutonga pamusoro pezvaunoshandisa pakugadzirisa.
"Ndinoda kuita tsvakurudzo uye ndichitsvaga mari zvangu ini." Unosarudza maoko-here? Kana iwe ukawana kufara kubva mukutsvakurudza uye kuva nekutonga pamusoro pezvauri muhutorikoti yako, iwe uri rudzi rweA DIY. Iwe uchaita zvakanakisisa nekuwana yakanakisa mutengesi wemari, kuvhara maoko ako uye kuenda kunoshanda.
Sarudza Zvaunotengesera Mazano
Usati watanga kuisa mari, iwe unofanira kufungisisa kuti ndewepi nzira yungada kushandisa. Iyi danho rinosanganisira kuziva kuti zvinangwa zvako zvemari ndezvipi-kusanganisira zvauri kuchengetedza uye kuzvipira, kana chiitiko ichocho chikaitika, uye kuti iwe uchada zvakadini.
Kune nzira dzakawanda dzemari dzakasiyana-siyana dzokusarudza kubva, kubva pamatokari uye mari kuenda kune imwe nzvimbo yepamusoro uye peer-to-peer chikwereti. Dzimwe nzira dzinoda kuti iwe ushingairire kuita zvekutsvaga, asi vamwe "vagozvigadzika uye vanokanganwa."
Hasi nzira dzose dzekutsvaga dzichashandira vanhu vose. Ndicho chikonzero iwe unofunga kufunga nezvemari yako - zvose zviripo uye remangwana - kutanga.
Heino kurwisana kunokurumidza kweimwe nzira dzakakurumbira dzekutsvaga:
Kutenga-uye-Kubata Kuisa: Uri mairi kwenguva refu. Iyi sarudzo yenguva refu inosanganisira kutenga zvigadzirwa zvino uye kuvabata kwemakore, apo vachazofungidzira kuti vanokosha.
Kukura Kuisa: Mazhinji emitambo iyi ndeyfupi kupfuura nguva yaunowana nekutenga nekubata. Nekukura kwekutsvaga, iwe unotenga zvikwereti izvo zvikwereti zvinotarisirwa kubuda mumusika zvachose.
Real Estate: Kungave kuri kutenga migove muchirongwa chekubatsira vanhu vazhinji kana kugadzirisa nekupenengura imba uri wega, kuisa mari yezvivakwa kunogona kuva pakati pezvinopa mari yakawanda uye mari yenguva pfupi Kunze Uko. Kune zvakare njodzi yakawanda, zvisinei.
Vezera-Ku-Peer Kukweretesa: Nezvinangwa zvedu, izvi zvinosanganisira kushandisa sendimu yakadai seLending Club kana Prosper. Iwe unotora muzvikwereti zvinokweretesa zvinokonzera zvisingabviri pangozi asi zvine simba guru revatengi.
Takagadzira mutungamiri pamwe nedzimwe nzvimbo dzakatanga kutanga mavatangi. Tarisa uye uzvibvunze mamwe mibvunzo usati wasarudza nzira yaunotevera pamusoro pekutsvaga kwako.
Nzira Yokutsanangura Sei Mari Yenyu Yekubhadhara
Zvakanaka, saka kubhadharira kunogona kuwana yakaipa rap (uye zvichida haisi munhu wese anofanira kunge ane imwe). Asi muzvokwadi, kuva nebhajheti kunogona kubatsira zvikuru kana zvasvika pakuchengetedza mari yekushandisa yekuisa mari. Paunenge uchiita bhajeti yako, iva nechokwadi chekuisa mari yakawanda yekuisa mari.
Iye zvino, pane zvakawanda zvekugadzirisa nekuchengetedza bhajeti. Hazvifanirwi kuva rocket science. Iwe unogona kushandisa spreadsheet uye pepa pepa nepeni. Kana iwe unogona kushandisa imwe yebasa rinobatsira paInternet iyo inokusimudzira zvakasimba kwauri. (Kuvandudza kune bhajeti risina mari uye purogiramu yemari yemari yatinonyanya kukurudzira.) Ivewo mupi wezano rekugadzirira, kuitira kuti iwe unogona kutanga kutengesa pakarepo panguva imwe chete!
Kuderedza Mari uye Mari Mari
Kubhadhara mari - kureva, mari - inogona kutora chikamu chikuru kubva pamakadzoka. Saka iva nechokwadi chokuti hausi kubviswa.
Kune marudzi akawanda akasiyana-siyana emari - zvose kubva kubhuku rekugadzirisa mari kune mutual fund. Uye kune nzira dzakawanda dzekudzikisa pamusoro pavo kana kutozvidzivirira zvachose!
Mhando dzose dzekutsvaga kwekutsvaga dzinotakura zvigaro zvemari. Zvisinei, hezvino ndiyo yakawanda yemari mari yauchaona:
Mari Maintenance Account: Kazhinji mari yegore negore pasi pe $ 100. Iyi mitero inowanzomiswa kana iwe uchinge uchinge uchinge uine huwandu hwehuwandu mubasa rako rekutsvaga.
Makomisheni: Chiyero chakavharidzirwa pamabhizimisi kana purogiramu yakadzika uye pamwe nezana pamushandi. Iyi mari ichasiyana nekuenderana nemutengi wako uye mari yaunoshandisa iwe.
Mutual Fund Zvinotakura: Zvichida kumberi-mberi, kumucheto, kana kusanganiswa kwezvose zviri zviviri. Izvi zvinogona dzimwe nguva kuregererwa kana mari yacho ichibatwa mumabhengi ezvekwereti pamwe chete nemutengesi iyeye.
12b-1 Mari: Mutero wepakati pemutengo wepamwe mari. Izvi zvinoderedza kukosha kweruzhinji rako kusvika ku1% uye ichaderedzwa kamwe chete gore rose.
Mutungamiri kana Mupiro Wemari: Imari inobhadharwa kune mupi wezano anogadzirisa maakaunti ako. Izvi zvinogona kuwedzera kusvika kuzviuru zvemadhora pagore, zvose zvinodzivirirwa kana iwe uchibata wega account yako pane.
Takaongorora zvigadzirwa zvakawanda zvisingabhadhari. Zvechokwadi, mumwe wevadzivisi vedu vekuda zvikuru, Wealthfront, yakasununguka kune zvinyorwa pasi pe $ 5,000. Izvo zvinoita kuti ive nzvimbo yakanaka yekutanga.
Uye kana uri kutsvaga mari yekushambadzira isingabhadhari, uri muhombe. Mukukwikwidza munzvimbo ino inotonhora, izvo zvinoreva kuti mamwe madhipatimendi ari kubhadhara mari yavo kusvika zero. Robinhood yave iri trailblazer, asi kunyange vekare vekutanga Firstrade vasina mari.
Chakanaka yavaive
Zvakanaka, saka chiito ichi chakakosha. Nhaka yekugoverwa ndiyo nzira yaunoparadzanisa mari yako yekutsvaga mari mukati mezvikwata zvakasiyana-siyana zveasset. Izvi zvinogona kusanganisira zvikwata uye zvisungo, asiwo dzimba, hupfumi humwe uye kunyange mari.
Pfungwa yekubhadharisa maitiro ndeyokuderedza dambudziko rako nekuchengeta nzvimbo yako yepodfolio. Haisi kungoisa mazai ako ose mune rimwe tswanda.
Nhaka yekugoverwa ndeyechokwadi hapana imwe yezviyero inokodzera zvose. Uye kune nzira dzakasiyana siyana uye mienzaniso yekutarisa kuti ndeupi wezvakagoverwa ndezvako iwe.
Pano paZvashandisi Junkie, tinowanzotendera kugoverwa mitero inoshandisa Modern Portfolio Theory. Unozivikanwawo nemashoko ekuti "MPT," iyi nzira inokubatsira kuderedza dambudziko rako rekudzoka nekusiyanisa chikamu chako chekuita mune zvakawanda. MPT inobata kuti mapoka easset haana kuwirirana nemumwe. Sezvo imwe yefa inosvika pasi ichikosha, imwe inogona kukwira. Apo mumwe anoziva, imwe yezvigaro.
Muzvizhinji, varayiri veRbobo vanoshandisa Modern Portfolio Theory mumashandisirwo avo ekubatsira kubatsira-kuita chikwereti chekupa chikwereti kwauri.
Zvaunofanira Kuita Zvadaro
Zvakanaka, saka iko zvino tave tichivhara zvinyorwa zvekuisa mari, inguva yekutanga! Asi usanetseka - hatisi kuzokusunungura iwe. Pano paVashandi veJunkie, taita basa redu kuti tikubatsire nhanho dzose dzenzira.
Kunyangwe iwe uri mubhadhari we DIY uye uchisarudza kuenderera mberi, iwe uchawana zvinyorwa pamusoro pezvose kubva kune zviwanikwa kune zvekugara.
Asi kwenguva iyo iri, heuno basa rako rechikoro:
Kana iwe uri DIY investor, sarudza stockbroker. Isu takaongorora anonyanya kufarirwa epamhepo dhizaini mabrokerage kunze uko. Heino gwara rekusarudza iyo chaiyo stock broker, Uye heino kutenderera kweatinoda mastock broker e kutanga vatengesi .
Kana iwe uri "kuisa uye ukanganwe" mutengesi, sarudza mutevedzeri wemagetsi. Vatungamiri veRobo vakaderedza mazano ezvemari pamunhu, zvichiita kuti zvive zvakakwanisika kune vanhu vasingakwanisi kuwana mutungamiri wemitambo. Mutevedzeri mukuru wevashandi vanozofunga nezvehuwandu hwemamiriro ako ezvinhu: sei iwe unofanirwa kuisa mari, nguva yakareba sei iwe uchifanira kuisa, uye kushivirira kwako kune ngozi. Hezvino vadzidzisi vedu vanofarira maRCN.
Yeuka, kuisa mari kunogona kuonekwa kunotyisa pakutanga, asi haifaniri kuva chinhu chinotyisa. Kana iwe ukaita tsvakurudzo yako uye kushingaira kwakakodzera - uye uchitamba uri wakachengeteka nemari yako yakaoma-yaunowana - iwe unofanirwa kuva zvakanaka munzira yako kuenda mune ramangwana uye rakasimba mune ramangwana remari.
Pane Zvishoma Zvokuziva
Pasinei nokuti iwe unosarudza kuhaya mupi wezano rega roga kana kuenda kune woga, pane mazwi mashomanana aunofanira kuziva paunotanga kuisa mari.
Nhamba: Ako inotengeswa nehuwandu mukambani. Inomiririra mvumo yemari yekambani iyo nemari. Kazhinji, kana kambani ichiita zvakanaka, kukosha kweshamba kunowedzera. Uye kana kambani isingasviki zvinotarisirwa ... zvakanaka, inodzika. Heano mutungamiri wedu wekutsvaga mari mumatokisi
Bond: Kutenga chikwereti kunokweretesa mari kune kambani kana hurumende (federal, state kana municipalist). Zvikwereti zvine nguva yakakura panguva iyo iwe unogona kuisa mari yacho mukati uye kuunganidza mari inofarira.
Mutual Fund: A mutual fund inounganidza mari kubva kuvarimi vazhinji uye inoiisa muzvinhu zvakadai sematokisi uye zvisungo.
Cash: Hongu, ndiwo mavara matsvuku muhomwe yako. Asi mune zvinyorwa zvemashoko, mari inowanzoreva maCD (zvivigiso zvekuisa mari), mabhizimusi emari yemari kana mabhizimusi emari.
Mazano Okudhura: Uchaona izwi iri kana rinosvika kune rimwechete mari. "Chiyero chezvikwereti" chinoreva mari yekubhadhara mari, kusanganisira kugadzirisa gore negore mari yekubhadhara, pamwe chete nemari inobhadhara mari yekutengeserana.
Mutengo-ku-Kuwana Kuenzanisa: Paunotarisa pamatokari ezvinyorwa, mutengo-kusvika-kuwanikwa muzana (kana kuti P / E chiyero) chakakosha. Inotarisa mutengo wekambani yekambani sezvainoenderana nemari yaunowana. A low P / E ye10 kana zvishoma zvinoreva kambani isiri kuita saizvozvo. Asi kumusoro hazvirevi zviri nani - chiyero chepamusoro pe25 chingava chiratidzo chokuti mabhizimisi anenge ava kuda kubhururuka.
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YOUTUBE CHAIKO NGUVA Vhidhiyo TRADING
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