Imwe yemabhenefiti emari yekudyara ayo akavakirwa pamisika yemari ndeyekuti ivo vanobvumidza kusiyanisa mune yavo yemari midziyo. Kusvika padanho rekuti pane akawanda mamodheru ayo vashoma nevapakati varimi vanogona kusarudza kubva. Seimwe yeakanyanya kukosha hunhu hweiyo mari yekudyara iri maringe nemamwe marongero ekudyara yezvimwe zvakafanana. Kugadzira kuwedzera kuchinjika mukutarisira kwako kusevha kubva zvino zvichienda mberi.
Kubva pane iyi nzira yekudyara, isu tiri kuzokutsanangurira iwe pazasi ndeapi mamwe emisanganiswa iwe yaunogona kusarudza mune yakasarudzwa mari yekudyara. Zvingave izvo kuti apo neapo chikumbiro chinokushamisa iwe nekutanga kweyezvirongwa mukutungamira kweizvi zvigadzirwa zvemari. Iko kwaunogona kusvika kune akateedzana emari equity misika yeisina chokwadi exoticism uye iyo iwe yausingakwanise kuwana yega yega kuburikidza nekutenga uye kutengeswa kwemasheya pamusika wemusika Nemhedzisiro inogona kubatsira zvakanyanya pane imwe nguva yegore.
Nepo kune rimwe divi, mari yekudyara yeaya anozivikanwa haigone chete kusanganiswa neecity assets. Kana zvisiri pane zvinopesana, iwe unogona zvakare kusanganisa zvimwe zvichibva pamari yakatarwa, mari yemari kana kunyangwe kubva kune anonzi dzimwe nzira dzekudyara. Nechinangwa chimwe chete uye kuti ichi hachisi chimwe kunze kwekuvandudza mwero wepakati wezvechinyakare kana zvakajairwa mari yekudyara. Iine inopfuura nepashoma muzana mapoinzi pamusoro pemamodeli ekutanga. Ndokunge, kuti iwe ugone kuwana mabhenefiti akakura kana iwe ukavhara zvinzvimbo mune ichi chemari chigadzirwa.
Makirasi eEquity
Mukati meichi chirevo, imwe yemafungiro aunenge uinayo kusendamira kuEuropean equities neiyo ye United States. Iyo inzira inoshanda kwazvo yekudzivirira yako inowanikwa capital munguva dzekusagadzikana kukuru mumisika yemari. Nekuti zvinosangana nechinangwa chekusaisa mari mudengu rimwe chete, asi zvinopesana nezvaunoita pakupedzisira kupatsanura zvinhu zvemari zvakavakirwa mari iyi yekudyara. Nezvakanakira izvo iwe zvaunogona kusarudza iyo modhi iyo yakagadziriswa nemakambani manejimendi iwe pachako. Mune izvo zvakagadziriswa kukosha kweichi chigadzirwa chakagadzirirwa kudyara chaizvo.
Kune rimwe divi, zvinofanirwa kucherechedzwa kuti idzi mari dzekudyara dzinoonekwa sezvigadzirwa zve inoshanda kana yekungotungamira manejimendi panguva imwe neimwe. Iko manejimendi avo anozotarisirwa panguva yekuvashandira kubva zvino zvichienda uye izvo zvinogona kutungamira kune kwavo maitiro kuve imwe nzira kana imwe. Nekuti, semuenzaniso, mune inoshingairira manejimendi inivhesitimendi inogona kuchinjiswa kune mamiriro matsva akagadzwa nemisika yemakero kuburikidza nekusiyana kwakakosha mune yekudyara portfolio. Kusvika padanho rekuti michero yemubhadharo yakawanikwa kusvika ipapo inogona kuvandudzwa.
Inogoverwa nenzvimbo dzenzvimbo
Kumwe kwekugona kubudirira mukudyara kunobva mukusiyana munzvimbo dzenzvimbo. Iwe unogona kusarudza iyo yeEuropean, America, iri kubuda misika yemari kana chero imwe nzvimbo yekuenda munzvimbo dzemari. Nekuti izvo zvazviri pakupera kwezuva ndezvekuti mari yese yakaiswa haina kuenda kunzvimbo imwechete kana nani akati bhasiketi. Chero zvazvingaitika, chishandiso chine simba chekudzivirira zvigaro zvedu mumisika yemari kana ivo vachipfuura nenguva yekusagadzikana. Kutitendera isu kusarudza iyo yekudyara modhi kusimba kune zvese zvatinoda mune izvo zvinowedzerwa kukosha izvo zvinotiunzira mabhenefiti mazhinji kubva zvino zvichienda mberi.
Nepo kune rimwe divi, isu hatigone kukanganwa kuti kusarudza mari dzekudyara dzinogoverwa nenzvimbo dzenzvimbo hadzigone kubatsira kuvandudza marimendi epakati kubva ikozvino Kunyanya, nekuti ichaganhurira kurasikirwa mumatambudziko mazhinji, kunyanya munguva dzakasarudzika apo kusagadzikana ndicho chinhu chinowanzoitika muzviito zveaya mare emari uye izvo zvinogona titungamire kuzviitiko zvisingadiwe nekuda kwezvedu pachedu, sezvakaitika mumakore achangopfuura. Uye kubva kune avo vedu vanofanirwa kudzidza kuzvibata zvine hunyanzvi kuzadzisa zvinangwa zvedu mumisika yemari.
Kuchengetedzwa kubva kumatunhu akasiyana siyana
Imwe kiyi yekubudirira mukudyara mumusika wemasheya inokonzerwa nekusiyanisa muzvikamu zvakasiyana zvemusika wemasheya. Izvi mukuita zvinoreva chimwe chinhu chakapusa kutsanangura kuti iwe unogovana sei mari mukati mitsara yakasiyana yebhizinesi, kwete imwe chete, sehuwandu hwakanaka hwevashambadzi vadiki nepakati vanoita neimwe frequency. Unogona kusarudza magetsi, mabhangi, makambani ekuvaka, kutaurirana kana makambani ekugovera chikafu, pakati pezvimwe zvakakosha. Mupfungwa iyi, 2020 ichave iri gore rekudzoka kwakanaka uko kuri nyore kusvika kune zvigadzirwa zvinodzora kusagadzikana kwezvikwata zvedu. Uye ndeipi nzira iri nani pane kusiyanisa midziyo yezvemari zvichibva pamatanho avo emusika wemasheya.
Kune rimwe divi, zvinofanirwa kucherechedzwa kuti kwemwedzi mishoma inotevera kana kunyange makore, ndeye kudyara kwepasirese ndiko kune kwakanyanya, uye kunofanirwa kutungamira mune yedu inotevera yekudyara portfolio. Kubva pane ino maonero, hapana chinhu chiri nani pane kusanganisa zvikamu zvakanyanya kusimba zviripo panguva ino uye izvo zvinogona kuve imwe yemakiyi ekuvandudza kudzoka pane edu atakachengeta mari. Inogona kuvandudzwa nezvishoma muzana muzana pamusoro pekutanga kuita. Zvekuti nenzira iyi, mari inowanikwa inowanikwa yakakura kudarika kare kuita chirongwa chekudyara ichi chakamirirwa kwenguva refu nevashandisi vemusika wemasheya.
Zvichienderana nemugove wedividhiyo
Imwe nzira yekutsigira kubatsirwa kwemari inoenderana nekusarudza makambani akanyorwa anogovera zvikamu pakati pevachagovana navo. Saka kuti nenzira iyi, kune mubhadharo wakatarwa uye unovimbiswa gore rega uye chero chii chinoitika mumisika yemari. Iyo inobvumidza kuwana chimbadzo kusvika ku9% pane inodzokororwa uye mune chero mamiriro ezvinhu ari pamusoro peiyo inopihwa nemabhengi ese kana zvigadzirwa zvakagadziriswa zvemari Iko kumuganhu wekupindirana usingapfuure kwakatenderedza 0,75% uye isingakwanise kugutsa zvido zvevashandisi vebhangi.
Nepo kune rimwe divi, zano rekudyara rakavakirwa pakugovera migove rinopa kugadzikana kukuru kune iyo portfolio yekudyara yevatengesi vanochengetedza kana vanozvidzivirira. Uye izvo zvinogona kusanganiswa nezvimwe zvemari zvinhu zvine hukasha uye zvinopa njodzi huru mukushanda. Nenzira iyi, zvinoitika zveaya makosheswa hazvina kukamurwa kupa huwandu hwekuchengetedza mumhedzisiro yemafambiro aya mumisika yemari. Kuve mumwe wemaitiro anonyanya kuteverwa nenhamba yakanaka yevanhu vanosarudza nzira iyi yekudyara nzira.
Yakasanganiswa nezvimwe zvinhu
Ehezve, havazi ivo chete sarudzo dzatinofanira kuvaka yedu portfolio kubva zvino zvichienda mberi. Kana zvisiri, pane kudaro, pane imwe nzira chaiyo yekusanganisa equity zvinhu nemamwe mamodheru mukudyara. Vanogona kubva kunzvimbo dzakachengetedza zvakanyanya, senge mumari yemari, senzira yekudzivirira kurasikirwa kunogona kuitika pamusika wemasheya. Nepo kune rimwe divi, iwe unogona zvakare kusarudza zvimwe zvinhu zvine njodzi yakakwira senge real estate uye ine chinangwa chikuru ndechekuvandudza mashandiro eaya mashandiro emasheya. Kuve mumwe wezvakakosha zvipo zveiyi nzira yekudyara.
Chimwe chinhu chakakodzera muchirongwa ichi chine chokwadi chekuti chinogona kuchinjika kune izvo zvinodiwa nevapfumi vadiki nepakati varimi. Iko kunenge kwakasiyana mune yega yega kesi uye neimwe nzira yakasarudzika kusvika padanho revashandisi ivo pachavo. Kubva pane ine hukasha, inodzivirira kana yepakati nzira zvinoenderana nezvinodiwa nemumwe nemumwe wevanhu. Ndokunge, pasi pechichinjika icho chakakodzera kusimbisa sezvo isiri yemhando yemhando, asi zvinopesana, yakasarudzika zvakanyanya mune ese mamiriro. Saka kuti iri muchinzvimbo chekuvandudza mabhenefiti eaya mashandiro mumisika yequity uye kuti muzviitiko zvakawanda zvinangwa zvinoiswa nevatengi ava zvinokwanisika.
Sezvo zvichange zvichikwanisika kuratidza kuti kudyara mumusika wemasheya kunogona kuve kwakanyanya kuchinjika pane izvo zvingafungidzwe pakutanga. Mupfungwa iyi, zvinokwanisika chete kusarudza iyo modhi inosangana zvakanakira zvishuwo zvevashambadzi vadiki nepakati. Chinangwa icho, shure kwezvose, chiripo munzira yavo kuhukama hwavo nenyika yemari.