Maitiro ekudyara mune mutual funds

Mutual funds kazhinji vanotsanangurwa se kuve mubatanidzwa wezvibatiso iyo inogadza migove inotarirwa kune akasiyana siyana emari. Iwo chikamu chakakosha chezviitwa zvemubatanidzwa mari mune inotakurika securities (UCITS) nemakambani ekudyara zvakare. capital is variable (SICAV). Kuisa mari mune mutual funds ipfungwa yakanaka.

Mari yekudyara inoshanduka zvichienderana nehurongwa hwekudyara hunoenderana neprofile yavo. Panyaya yemusimboti, ivo vanotarisana nekudyara zvinoenderana neyakajeka yenzvimbo uye chikamu logic.

Muchikamu chino, tinokuratidza maitiro ekudyara mune mutual funds zviri nyore. Asi tisati tatanga, heino maitiro Kuisa mari mu real estate nhanho nhanho. Handeyi!!!

⛳️ Ko mutual funds inoshanda sei?

Mari yekudyidzana inonyanya kuumbwa neseti yekudyara kwemari inobatwa nenhamba huru yevanoisa mari. Vanotungamirirwa nenyanzvi (portfolio managers).

Chinangwa chikuru chemari yemubatanidzwa ndechekuona mhando dzezvibatiso zvinoumba common fund iyo inogona kutariswa pamasheya ekambani kana mabhondi ehurumende.

Izvo zvakati, kutengwa kwemutual fund nemushambadziri kunosanganisa mari yaanobata neyemumwe mutengesi nekutenga migove kana kunyange fund units. Iwo anopihwa sezvo vakawanda vanoisa mari vachijoinha rondedzero.

Iwe unofanirwa kucherechedza kuti imwe neimwe portfolio ine chikamu chehomwe iyo inobvumira kuti iwane mari uye zvakare kurasikirwa nemari.

🌿 Maitiro ekudyara mune mutual fund?

Kana iyo pfungwa yauya kwauri kuti uwane yekufambisa mutual funds, ichi chinhu chakanaka. Isu tichakupa ikozvino kwauri matanho mashanu aunozofanirwa kutevera kuti pakupedzisira uwane yako homwe homwe.

✔️Nhanho yekutanga: Sarudza chinangwa uye nguva yekudyara kwako

Usati watanga mari yako, unofanirwa kutanga waita ongororo kuti uzive zvinangwa zvemari zvekudyara kwako usati waona nguva yekudyara kwako.

Ngatitorei muenzaniso : Anotanga investor ari mudiki anogona kuisa mari yake kwenhamba yakanaka yemakore, nekuti achine nguva yakawanda pamberi pake.

Asi kana ane purojekiti isingasviki gore, anogona kuita mari yenguva pfupi kuti akwanise kuva nezvinodiwa pachirongwa chake, zvakafanana neanorega basa kana achida kuisa mari yake pachake, anogona ' t kuzviita kwenguva yakareba.

Asi kana achizobatsira vana vake kana kuti vazukuru vake, anogona kuita mari kwenguva yakareba.

✔️ Nhanho yechipiri: Sarudza rudzi rwehomwe

Kushivirira kwako kwenjodzi kana kwakakubatsira mudanho iri, sezvo richireva kugona kwako kubvuma njodzi. Chiyero chenjodzi yaunogona kugamuchira chakanyanya kukosha pakusarudza rudzi rwehomwe yauchaisa mari yako.

Ngatitorei muenzaniso: kana iwe usingade kurasikirwa nemari yakawandisa, iwe unozofunga nezvekudyara mune yakatarwa mari homwe iyo inokupa iwe yakatarwa chiyero chekudzoka.

Asi kana iwe uchida kuwedzera mari yako yaunochengeta, iwe unozosarudza kune yakajairwa stock investment funds (iyo Canadian mari). Iwe unozofanirwa kuziva kuti pane izvi iwe uchafanirwa kuve wakasununguka neimwe njodzi yatinopa zvipo.

Asi kana iwe uchitsvaga chiyero chiri nani pakati pekudzoka uye njodzi, iwe uchafanirwa kufunga nezvekudyara mune yakaringana mari (global equity funds). Iwe unozofanirwa kuona kuti mari yaunosarudza inokodzera mukudyara kwako kwakasiyana uye kuti inoenderana nezvinangwa zvechirongwa chako chekudyara.

✔️Nhanho 3: Ita kuenzanisa pakati pemubhadharo nekudzoka

Ziva kuti imwe neimwe mutual fund ine mari yakavakirwa mukati, asi vamwe vane mari yakakwira kupfuura vamwe.

Fees inoderedza kudzoka kwako. Saka ndokumbirawo uzive kuti ndedzipi mari dzauchafanirwa kubhadhara zvakananga, semari yekutenga. Naizvozvo unozofanirwa kuenzanisa kuita kwehomwe ine reshiyo yekutarisira neiyo mari yakafanana.

Unogona kushandisa homwe yapfuura kuita kuti uone kuti inoita sei mumamiriro ezvinhu emusika. Asi hapana vimbiso yekuti homwe yacho ichaita zvakafanana mune ramangwana.

NB: Usati wapinda muhumuridzi hwemutual fund, unozofanirwa kuita tsvakiridzo yakawanda mumagwaro ekuburitsa, tinogona kutaura nezve zvirevo zvemari zvakaongororwa, mishumo yemanejimendi ichangoburwa pamwe nemishumo yemashandiro ehomwe.

Izvi zvinokupa mukana wekuona kana homwe yacho inokodzera zvinangwa zvako. Kuti utore magwaro aya, unogona kuenda kuna chipangamazano wako kana kana usina, unogona kuzviwana pawebhusaiti yekambani inobata iyo mutual funds.

✔️Nhanho 4: Zvitsvakire wega chipangamazano kana mutual fund kambani

Kuti utenge mari yako, unofanirwa kuzviita chete kubva kukambani kana munhu ane mvumo yekuitengesa.

Wese munhu anotengesa kana kupa zano nezve mutual funds anofanirwa kunyoreswa kune wake kana securities regulator wepanzvimbo yake. MuOntario, iyo agency inotarisira kuchengetedza ndeye iyo Ontario Securities Commission.

Kana chipangamazano achikutengesera homwe yekudyara, ita shuwa kuti unonzwisisa kuti ichabhadharwa sei. Mubvunze kana achitengesa mutual funds yekambani kana kuti anongotarisa pane imwe chikamu chemari.

✔️Nhanho 5: Zadzisa chikumbiro chekutenga uye tenga yako

Kamwe iyo mutual fund kambani yaunosarudza kutenga inokupa kopi yechokwadi chehomwe, maererano nemutemo wakabudiswa musi waMay 30, 2016, iwe uchafanirwa kupa humwe ruzivo rwemunhu. Izvi zvinosanganisira, semuenzaniso, nhanho yengozi iwe yaunogona kugamuchira uye nhanho yeruzivo rwekudyara rwaunarwo. 

Nekubvunza iyo real estate tsika mitemo, chipangamazano wega wega anozofanirwa kuwana ruzivo urwu asati aita kurudziro kwauri pamari yaunofanira kuisa mari yako.

Kana uchibvuma, unofanira kusaina fomu racho wochengeta kopi mumafaira ako akasiyana-siyana.

Panyaya yekudyara, pahomwe yega yega, iwe uchafanirwa kuisa mari zvishoma ($500 kana $1000). Ziva kuti mari iyi inosiyana, zvichienderana nehomwe yekudyara yawakasarudza pakudyara kwako.

⛳️ Kuvhara

Tasvika kumagumo echinyorwa chedu, uko wanga uri mubvunzo kwatiri wekuona nzira yekuisa mari mumutual funds, zvinoita sekunge kuisa mari chinhu chakanaka.

Asi chekutanga, iwe uchafanirwa kuita tsvagiridzo kana kutsvaga zano rehunyanzvi pane homwe yaunogona kuisa mari mairi, watoongorora zvibodzwa zvako uye nekuona nguva yekudyara kwako usati watenga. Kana kutenga kwapera, tarisa kushanduka kwekudyara kwako uye kana ukaona dambudziko, bata chipangamazano wako zvakananga uye achaziva zvekuita.

🌿 Mibvunzo Inowanzo bvunzwa

✔️Zvinoita here kuisa mari mune dzakawanda mari?

Chokwadi, iwe unogona kuisa mari mune akati wandei mari panguva imwe chete! Izvo zvinoenderana nezvinangwa zvako, nekuti iwe unogona kuve nezvinangwa zvakasiyana izvo zvinomisa mari yako uye nguva yavo zvakare.

✔️Chii chaunofanira kuita kana watenga zvakaipa?

Kana iwe ukaona kuti kutenga kwawakaita hakuenderane nezvinangwa zvako, unogona kukanzura odha yekutenga mukati memaawa makumi mana nemasere ekugamuchira uye kusimbiswa kweodha yako. Uye mitemo iyi inogona kusiyana kubva kupurovhinzi nepurovhinzi.

Kana zvirizvo, tipe chigunwe uye upe mhinduro yako mumashoko kuti utizivise kwaunoda kuti tigadzirise. Asi usati waenda, heano maturusi akanakisa e vandudza manejimendi ebhizinesi rako

Usakanganwa kugovera chinyorwa neshamwari dzako. Tisiye maonero ako mumashoko.