Iwe unoda kuisa mari, asi panguva imwechete iwe uri kutya chero dambudziko kana kufamba kwemitengo iwe yausingakwanise kudzora? Portfolio isingagumi, sezita zvarinoratidzira, ipotifoliyo yakagadzirirwa kumira chero zvinoitika uye nekuzvichengeta. Kudzoka kwayo kunogutsa zvakakwana kukoshesa kuvaka imwe. Kunyangwe iwe uri nyanzvi, newbie, kana mumwe munhu ane hanya nezvekuchengetedza mari yavo, kuitarisa ichikura, uye kurega, ichi chinyorwa ndechenyu.
Zvisingaperi zvikwama zvakaratidza kushanda pamakumi emakore. Zvakanyanya, zvekuti varimi vazhinji vakapedzisira vasarudza kutevedzera mashandiro ayo, vachitora mhando dzakasiyana dzemamodeli. Kubva pane zvakawandisa, kusvika nyore, ivo vanozvarwa se mhinduro hombe yekuwedzera capital nenzira yakasimba uye inogara iripo, kunyoresa mashoma mashoma nguva, uye nekurasikirwa kwakadzika kwazvo kwakakosha.
Chii chinonzi Permanent Portfolio?
Iyo Permanent Portfolio ndeye -refu-nguva yekudyara system ane pfungwa yepfungwa yakakwana kuenzanisa pakati pehuwandu hwekubatsira uye hushoma njodzi. Zvinogona kutaurwa kuti hazvidi kutarisirwa uye mashandiro acho ari otomatiki. Zvichienderana nemabatirwo aakaitwa, zvinozofunga mamwe ma parameter kana mamwe, kunyangwe iro zano rizere rakafanana. Izvo zvekuchengetedza imwe pesenti yakatemerwa kuchengetedzwa iyo inoshuma purofiti pakati pavo vese yenguva dzose uye pagore. Kana vamwe "vakundikana kana kukundikana," vamwe vanozotaura zvabudirira. Uye zvakare, ivo vanozotaura zvakaringana mabhenefiti mune hombe mbiru dzinogona kutsvakwa nemusimari wese.
- Kugadzikana: Yakavakwa nenzira yekuti inokwanisa kuwedzera kukosha kwayo munguva dzebudiriro (zvingave sei neimwe nzira). Zvakare munguva dzekusava nechokwadi uye / kana nhamo. Uye kunyangwe munguva dzeupfumi uye / kana kuderera kwemusika wemasheya, mashandiro ayo akanaka, kudzikisira kurasikirwa uye kunyangwe kuunza kudzoka.
- Kupfuura Nyore: Bumbiro rayo riri nyore kunzwisisa kuti kunyangwe vanhu vane ruzivo rudiki rwemari vanogona kuzviita. Izvi zvinogona zvakare kuve zororo kune avo vanhu vasina kukwanisa kuve nekugutsa kukura nekufamba kwenguva.
- Kuvhara: Chero angave mamiriro ezvinhu, angave ari munzvimbo dzekukwira kwemitengo, kushomeka, dambudziko, kudzikira uye kuora mwoyo, inovharwa nemitengo inoisanganisa. Izvi ndezvekutenda kuchokwadi chekuti chengetedzo yega yega inoshanda senge nhovo uye mutyairi wekudzoka kwaanogona kuzadzisa mune yega mamiriro. Nenzira iyi, guta guru rinochengetedzwa nepesenti yakapihwa kukosha iyo inowedzera mukukosha.
- Scalability: Nekuwedzera kukosha kwayo nenzira yakajairwa uye inogara ichiitika, inokonzeresa kuti mukufamba kwenguva kuwedzerwa kwemari kuri kukuru uye kukuru. Izvi zvinokonzera kukura kwekujekesa kwemari, iyo inowanzo kuve chinangwa chikuru chinoteedzerwa.
Harry Browne Permanent Wallet
Pamwe inozivikanwa kupfuura dzose musanganiswa uripo wemapotifoliyo anogara aripo. Harry Browne aive wezvematongerwo enyika weAmerica, munyori uye muongorori wezvemari. Akaita yakawanda yehupfumi hwake muma70 achinyora nekudyara mumisika yemari. Iye ndiye mugadziri weiyi inokatyamadza portfolio yekuumbwa system.
Kunyangwe mashandiro ake akashanda zvakanaka, kusahadzika kwevanhu nekuda kwekusavimba kwakakonzera kuti vasatende zvizere munzira yake pakutanga, uye kunyangwe dzimwe mushure mekufa kwaBrowne. Akataura kuti hupfumi hwaive hwakavakirwa uye hwaigara huchiwanikwa kumatunhu mana akasiyana. Dzimwe nguva imwe kana imwe yacho yaikunda.
Idzo ina idzo umo hupfumi hunowanikwa
- Kuwedzera kwezvinhu: Mari iripo mukutenderera yakakura kudarika iyo inodiwa kutenga zvigadzirwa. Izvi zvinoguma nemutengo wezvigadzirwa kutanga kuwedzera. Nekuwedzera kwemitengo, inokonzeresa kudzikira kwemari, ndiko kuti, zvinotora huwandu hwakawanda kutenga chimwe chinhu. Wakatarisana nekurasikirwa nemutengo wemari, goridhe rinodaira kupindura mushe mushe pakuwedzera mutengo waro. Ndosaka ichinzi kukosha kwekupotera, uye iri nzvimbo panonakidza kuve nechikamu chemuzinda mune ino mamiriro.
- Deflation: Iyi mamiriro ndeye kumashure kwe inflation. Mutengo wezvigadzirwa unodzikira, uye mitengo yemubereko inowanzo kudzikira. Mune zviitiko izvi zvinonakidza kuva nemabhonasi yakatengwa kare. Sezvo zvavakapihwa kare, vane huwandu hwechikwereti kupfuura hwazvino. Mutengo wavanobhadharwa unowanzove wakakwira, sezvo iwo aripo achipa zvishoma.
- Bonanza: Zvese zviri muhutano hwakanaka hwehupfumi, kiredhiti kuri kuyerera, kune kukura, mhuri dzine mari, uye masheya anowanzo simuka pamitengo yakakwira kupfuura kukura chaiko kuriko. Iyo midziyo inosimuka zvakanyanya masheya.
- Dambudziko remari: Iyo nguva iyo chikamu chikuru chechikwereti chakavharwa neMabhangi, kune kushomeka kwemari, zvese kumakambani nemhuri. Iyo ndiyo mamiriro ayo anogona kukonzeresa kuderera kwehupfumi, kana zvakatonyanya mukushungurudzika. Iyi nguva inowanzo gara-pfupi, saka kwenguva yakareba yakatarwa portfolio haifanire kutambura zvakanyanya. Panguva ino chinhu chakakosha kwazvo chinoitika kuve mari.
Kuparadzanisa Harry Browne-maitiro Permanent Portfolio
Mune ino kesi, iyo capital inogoverwa uye kudyarwa seinotevera:
- 25% muGoridhe: Kukunda inflation.
- 25% muzvikamu: Kukunda munguva dzekubudirira.
- 25% mumabhonasi: Kurova deflation.
- 25% muPfupi Nguva Yakagadziriswa Mari. Kuve nemari inowanikwa munguva yedambudziko.
Imwe yedzakanakisa nzira dzekudyara nhasi ndeye ETF's (Exchange Traded Fund, yezita rayo muchiRungu). Izvi zvinotibvumidza kunongedza kune chero eane akambotaurwa. Nenzira iyi, isu tinokwanisa kudzokorora maitiro echero mutengo wekufamba urikuitika mune yega yechengetedzo.
Mushure megore rapfuura, zvikamu zvacho zvinenge zvasiyana, uye zano nderekudzikamisa zvakare iyo portfolio uye kudzoka kuzoita kuenzana kugovera. Neiyi nzira, isu tinopomhodza chikamu cheiyo chinhu chakaburitsa zvakanyanya, uye iyo ine yakashata kuita ichasimbiswa.
Kune nzira dzakasiyana dzekuvaka imwe, zvinoenderana nedunhu riripo paanosima mari uye zvavanofarira. Kunyangwe isu tichigona kutora zvinhu zvepasirese nemabhenji, senge iyo World Index yemasheya, rakanakira rudzi urwu rwekudyara ingave midziyo yemuno. Nenzira iyi, njodzi yemari yaizonyangarika, uye kunyangwe iyo purofiti yacho yakasiyana zvichienderana negore, ichagara iine tariro.