Iri zano rinotendera vashandisi kuwana kune akasiyana siyana emhando dzekudyara, asi kubva kune chimwe chigadzirwa chemari. Nesarudzo chaiyo yekukwanisa kugovera mari mukati zvinhu zvakasiyana zvemari, kunyangwe kubva zvakapesana zvachose. Nechinangwa, kwete chete chekuvandudza purofiti yezvakafanana, asi pamusoro pezvose kudzivirira kuchengetedza kupfuura zvimwe zvese. Kunyanya kana kushomeka kwemisika yemari iri iyo dhinomineta yezviito zvavo.
Mupfungwa iyi, iwe uchazoshamisika kuti ndezvipi zvigadzirwa zvinochengetedza izvi zvakasarudzika hunhu. Ndokunge, vanotendera kusiyanisa mari. Ehezve, panguva ino hapana akawanda mamodheru ane ichi chimiro, asi zvirinani pane mashoma anokupa iwe mukana wekunze ino yekudyara zano. Mukati meichi chiitiko, ETF, Investment funds uye dhipoziti-inosunganidzwa madipoziti inoita kuti zvive nyore kune varairidzi kuchinjika kumisika yese yemari. Inogona kunge iri nguva yekutora zvinzvimbo pane vamwe vacho kubva zvino zvichienda mberi.
Nenzira iyi, uye semuenzaniso, iyo yakamisirwa mari inogona kuzadzikiswa neyekusiyana mukati meichi chigadzirwa chemari. Imwe yenyaya dzinozivikanwa kwazvo inomiririrwa nemari yekudyara uye zvakanyanya chaizvo ne yakavhenganiswa mari izvo zvinokutendera iwe kuti uise mari muzvinhu zvakasiyana zvemari pasina kushandura chigadzirwa kana modhi yekuchengetedza. Nenzira iyi, iwe unogona kunyange chengetedza imwe mari mukugadzirisa kwavo. Zvese mumakomisheni uye mumubhadharo wekuchengetedzwa kwayo uye kusvika padanho rekuve neyakawanda ma euro pagore rako rekutarisa account.
Kusiyanisa mumusika wemasheya, zvinoita here?
Kana paine zano rinopa hukuru kuchengetedzeka kwekudyara, izvo hazvisi zvimwe kunze kwekusiyana. Hazvingave zvirinani kuvhura kumisika mitsva pane kuzvikwanisa kune izvo zvinoita chete stock, chikamu kana stock index. Dambudziko iri rinogadziriswa kuburikidza ne mamwe akavhurika manejimendi mumari yemari yakatorwa. Kusvika padanho rekuti kubva pachigadzirwa chimwe chete, zvinzvimbo muzvikamu, mari yakatarwa kana kunyange kubva kune mamwe mamodheru kubva kunzvimbo dzakasiyana dzehupfumi hwenyika anogona kuvhurwa. Izvi zvinongova kusiyanisa mukudyara.
Dambudziko revashambadziri riri muchokwadi chekuti zvigadzirwa zvishoma kwazvo ndezvekubatanidza zvinhu izvi zvemari. Hazvishamisi kuti chinhu chinowanzoitika kusvika makore mashoma apfuura ndechekuti yega yega yekudyara modhi yakafukidza musika wezvemari, chero zvayakaita. Maitiro aya akachinja zvakanyanya uye panguva yacho zvinokwanisika kuunganidza akati wandei muchigadzirwa chimwe chete.
Gonesa mashandiro
Pasina kudiwa kwekuti mushandisi aende kwakasiyana mafomu ekudyara kugutsa zvaunoda. Kwete chete izvo zvinokutendera iwe kushandisa yakawanda nguva pakutsvaga kwako, asi ichawedzerawo makomisheni uye manejimendi mari iyo yako yekuhaya inosanganisira. Naizvozvo, inguva yekuona kuti ndezvipi zvigadzirwa zvemari zvinobvumidza manejimendi manejimendi kuchengetedza.
Pasi pemamiriro aya, mari yekudyara inomira nekuda kweakasarudzika mamodheru avo. Kuburikidza nemari yakavhenganiswa, mari yekudyara inobvumidzwa chinja kune chimiro cheayo varidzi. Neiyi nzira, ivo vanozokwanisa kuwedzera kwavo kuumbwa kuburikidza neyakagadziriswa mari kana mari yemari yeiyo inodzivirira mbiri. Kana pane zvinopesana, pesvedzera zviyero kuti uenzanise dzimwe nzira dzine hukasha
Zvakanakira kusiyanisa
Imwe yemabhenefiti inopihwa neichi chigadzirwa chemari ndeyekusiyana kwayo kubatanidza emhando dzekudyara kubva kune imwechete portfolio. Semuenzaniso, masheya, mari, zvisungo, mvumo uye yazvino account goho. Iko kune zvisingatomboite ganhuriro maererano nezvinangwa zvinoteedzerwa nemari. Kune rimwe divi, kusiana kwavo hakungokanganisa zviwanikwa zvemari chete, asiwo nzvimbo dzenzvimbo dzavakanyorwa: euro zone, iri kubuda, yepasirese, nezvimwe.
Semhedzisiro yeakakosha hunhu hweichi chigadzirwa, mushambadzi anehasha achasarudza 80% equity uye yasara 20% yakagadziriswa. Nepo chimiro chine mwero chichizosiyana zvikamu pasi pe zvinopesana nemaitiro, kunyangwe kusarudza chikamu chekusevha kumisika yemari. Kune dzimwe nzira dzakawanda dzaungasarudze kana iwe ukatevera nzira iyi yekudyara, senge kusiyanisa kwekuchengetedza mari. Ehezve, akawanda kupfuura kuburikidza nemamwe akaomesesa masisitimu ekudyara.
Kusarudza mari yekuchinjana-yakatengeswa
ETFs, kune yavo chikamu, vanoisa zvirevo zvavo pasirese kuratidzwa kune akasiyana maseketi kana masheya indices, nekudzokorora izvi mareferenzi masosi yemari yemari. Nei uchisarudza chete zvikamu zveimwe kambani kana iwe uchigona kuvhara akati wandei? Ichi ndicho chimwe chezvinangwa zvikuru zvekutsinhana-mari inotengeswa. Chero zvazvingaitika, imwe yemhedzisiro yacho ndeyekuti njodzi dzekudyara mari kune imwechete capital yekuenda dzichaderedzwa Chinhu chekuchengeta mupfungwa kana iwe uchida kuchengetedza iyo capital yakadyarwa mune yega yega mashandiro.
Uye zvakare, ivo vanopa akati wandei, uye akasiyana hunhu, dzimwe nzira dzekuitira purofiti. Ibex 35, CAC 40, Dow Jones, mambo zvisungo, mbishi zvinhu nesimbi yakakosha, pakati pezvimwe zvakakosha. Kune rimwe divi, pachezvaro chimiro chayo chakasiyana sezvo chiri chigadzirwa chemari chinosanganisa mashandiro pamusika wemasheya nemari yekudyara. Muzviitiko zvese, inobvumidza kutora mukana weiye kumusoro maitiro echikamu chakanaka chemari yemari yakanyorwa pamisika. Asi pasina kusarudza imwe nzira yekudyara uko njodzi iri pamusoro.
Zvakare zvechigadzirwa zvigadzirwa
Kune rimwe divi, zano iri rinogona zvakare kusvikwa kubva kune zvakajairika zvigadzirwa zvebhangi. Ndiyo nyaya ye nguva inoshandiswa zvakabatanidzwa kuenzana. Zvimwe kuburikidza nedengu rezvikamu kana kuburikidza nepotfolio yemari yekudyara. Iyo inoumbwa nechikamu chemari yakatarwa iyo ndiyo inovimbisa kudzoka kwakatemwa pane kuchengetedza, kunyangwe pazasi peepesenti zviyero zvinoenderana nekukosha kwemari panguva ino.
Nepo zvakasara - ndiko kuti, iyo yakabatana nemusika wemasheya - ndiyo iyo inobvumidza goho kuti riwedzerwe pakukura. Asi zvakasiyana nezvimwe zvigadzirwa zvemari, pasina kufunga chero njodzi iriko. Nekuti mune zvese zviitiko pachagara paine dzokera kusev. Kugoverwa kwaro kwakaringana kune ese ari maviri mafomati, hafu yemhando imwe neimwe yekudyara uye pasina mukana wekusiyana. Iyi inzira yepakutanga yekusiyanisa mari pasina matambudziko akawandisa uye inogona kuwanikwa nechikamu chakanaka chevashambadzi vadiki nepakati. Hazvishamisi kuti njodzi dzakanyatso kudzorwa uye zvakaomarara kuunza kurasikirwa kukuru kwazvo, sezvinoitika nemamwe marudzi ezvemari kana zvigadzirwa zvebhangi.
Makomborero ekushandisa kwako
Ehezve, kusiyanisa kunounza akateedzana ezve mabhenefiti iwe aunofanirwa kufunga nezvazvo kubva zvino zvichienda mberi. Pakati pezvimwe zvikonzero, nekuti zvinokubatsira kudzikisa kurasikirwa mune dzisingafadze nguva dzemisika yemari. Kana kunyangwe zvekudyara kunoonekwa senge dzimwe nzira dzinoda kutarisirwa kwakanyanya mukutungamira kwavo uye kugadzirisa. Kuburikidza neinotevera nhungamiro yezviito zvatichazokupa pasi apa.
- Iyo inoshanda kwazvo sisitimu iyo, kunyangwe iyo isingazokuite mamioneya, ichangokudzivirira kubva zviitiko zvakaipisisa yemisika yemari. Semuenzaniso, zvakaitika panguva dzakaomesesa dzedambudziko rehupfumi, kumashure muna 2007 na2008.
- Iyo inokutendera iwe kuisa mari mune akati wandei emari midziyo panguva imwe chete uye pasina kupa chero yemhando yekudyara. Izvo zvisina kudaro, iwe unenge uine yakaoma kuwana yekuita yako pachako kana yemhuri midziyo inobatsira. Ichowo chirongwa chekudyara chinogadzirirwa kune ese ma profiles emushandisi. Kubva kune vane hasha zvakanyanya kusvika kune vanozvidzivirira kana vanochengetedza, pasina chero muganho.
- Kusiyanisa kuri kuenderera mberi uchirairwa nevanoongorora zvemari kutenderera pasirese vanoona yakanaka kwazvo muenzaniso iwe zadzisa zvinangwa zvako nenzira yakachengeteka uye inoshanda. Pamusoro pezvimwe zvekufunga nezvehunyanzvi uye pamwe kunyangwe kubva pakakosha maonero.
- Nekushandisa kwayo haurege chero chinhu munyika yeinvestment. Kana zvisiri, pane kudaro, iwe unogona kuzvivhura iwe ku mikana mitsva yebhizimisi izvo zvisati zvamboongororwa newe. Ose ari maviri maererano nema equity uye mari yakatarwa kana kunyangwe kubva kune mamwe mafomati ekutanga.
- Iyi yekudyara modhi inogona kushandiswa mu chero mamiriro ehupfumi, chero zvazvaive. Sechinhu chakanakira iwe chaunogona kuendesa kunze kuti ugadzire yako yekudyara kubva kune chaiwo nguva. Uine dzakasiyana siyana musanganiswa waungashandisa panguva yaunofunga yakakodzera uye izvo zvinogona kukuita iwe kuti uvandudze nzvimbo dzakashama mumisika.