Apple picker Commerce message: Kuisa mari kwakawana kuwedzera kukuru mumakore achangopfuura. Mari yekudyara, dzimba dzebrokerage uye mapuratifomu ekudyara yakashuma kuwedzera rekodhi mune zvingangoita zviratidzo zvese. Asi zvino kwasvika kucheneswa. Mari yakawanda inopisa yakauya nekubuda mumusika mumwedzi mishoma yapfuura yakaoma, uye kazhinji pakurasikirwa kukuru. Zvino kune vagadziri venguva refu vane mhedziso yemakore akati wandei uye kana vakapinda mumusika nguva pfupi yadarika, vangangosanganawo nekurasikirwa kunoramba kuripo. Muchinyorwa chinotevera, isu tichatarisa maitiro aungaita nyore kuderedza kurasikirwa kwako kuri kuramba kuripo kusvika ku20%, kana kuwedzera purofiti yako inoenderera inosvika makumi maviri%.
Zvichiri zvakakosha mari zhinji inoiswa mari kuburikidza neyakajairwa mutual funds. Aya mapoinzi anotevera ndiwo maitiro emari iyi yechinyakare:
- Investment management inobatwa nenyanzvi portfolio maneja (kana boka), investor haafanire kuve anoshanda chero nzira.
- Fund mamaneja vanowanzo ngwarira, uye zvakanyanya havadi kurasikirwa zvakanyanya kupfuura avhareji yemusika.
- Maererano nenhamba dzose dziripo ruzhinji rwemari inotariswa nesimba haigone goho rakakura, kupfuura avhareji yemusika.
- Kune uyu fund management inowanzo kubhadhariswa mukati menguva kubva 1% kusvika 2,5%, paavhareji 1,5% kubva kumari pagore, kusanganisira makore ekurasikirwa, i.e. kurasikirwa kwemusika kunowedzera neizvozvo.
Ngatigarei pane yekupedzisira pfungwa, iyo inotsanangura chaizvo mutengo wekudyara pachayo. Kana nekufamba kwenguva avhareji yekudzoka kwemari iri pakati pe6 kusvika ku9% uye kukosha kwako kwekudyara kunoderedzwa ne1,5% gore rega rega, ipapo tafura iri pasi apa inoratidza kuti nekufamba kwenguva iyi misiyano mikuru.
Kwakabva: yako macalculation
Mhedzisiro yemubereko wemukomboni, iyo inodzoreredza purofiti yawanikwa, zvinoreva kuti chero kuwedzera kwemitengo kunotsanangurwa zvinoshamisa mumutengo wekupedzisira wekudyara. Scenario A inotevedzera avhareji yekudzoka kwemakore anopfuura makumi maviri pasina muripo. Scenario B, kune rumwe rutivi, inofananidzira kudzoka neavhareji mubhadharo we20. Pano tinoona musiyano wezvakaitika kare zve1,5 pamusoro pemakore makumi maviri. Panguva ino, zvakafanirawo kuyeuchidza zvakare kuti huwandu hwakawanda hwemari inotungamirwa haiwane mibairo yakakwira kupfuura avhareji yemusika (iyo inowanzowana kudzoka kwakaderera). Pakupedzisira, mamiriro eC anoratidza homwe yepasi-inodhura ine mubhadharo we 280% pagore, iyo inenge ichinyatsotevera kusimudzirwa kwemusika wemasheya unomiririrwa neimwe index index. Mari idzi dzinodhura dzinonzi ETFs - Exchange Traded Funds.
Pro ETF mari inoratidzirwa ne:
- Havana kushingaira kutungamirirwa, sekutonga ivo vanokopa yakapihwa stock index, kana rimwe boka rinotsanangurwa rezvivimbiso zveequity.
- Kunyanya kuderera kwemari yekugadzirisa mari - kazhinji kusvika 0,2%, asi vamwe kunyange 0,07%.
- Kuongororwa kwekukosha kwemari (uye nekudaro mari yako) inoitika nguva imwe neimwe iyo ETF inotengeswa pamusika wekutengesa.
- Zvinoda proactive approach nemuitisi
Uye pano tinomira zvakare pane yekupedzisira pfungwa. Kusiyana nekudyara kwekare kana kuti mutual funds, kwausingafaniri kunetseka pamusoro pekutsvaga kwako, munyaya ye ETFs, unofanirwa kuzviziva iwe nezvimwe zvinokosha zvinokosha zvekuti ETFs inoshanda sei. Panguva imwecheteyo, kana ukaronga kuisa mari nguva dzose nemari yemwedzi kana yekota, unofanira kugara uchitenga ETF yakapiwa. Mumazuva ano ekutsvaga mari yekushandisa yemhando xStation kana xStation nhare hurongwa hwese hunotora maminetsi mashoma zvakanyanya, asi kune vamwe vashandisi vane hunyanzvi hunogona kutora mashoma gumi emasekonzi. Ipapo wese investor anofanira kuzvipindurira kuti anoda kuzadzisa chirevo chechinyakare "pasina marwadzo hapana chiwanikwa” uye nokudaro kuti imarii yaari kuda kuendesa kuhomwe yeinvestment pane zvaanokwanisa kuzvitarisira mazuva ano. Sezvataona muzviitiko zviri pamusoro, iyi musiyano pakati pechinyakare homwe uye ETF inogona kuva mazana ezviuru zvekorona, kana isu tiri kutarisa kune yakareba mari yekudyara.
Chiverengero chekupedzisira chekufungisisa:
Kwakabva: yako macalculation
Tafura iri pamusoro inoratidza zvinogona kutarisirwa mumakore makumi maviri mari yakawedzerwa kana iri maETF akaderera zvakare anosvika 240 CZK.. Nekudaro, iyi mari yekuwedzera inoda kutenga kunoshanda kweETF muakaundi yako yekudyara mwedzi wega wega. Mutsara wekupedzisira wetafura unoratidza kuti yakawanda sei yauchawana mwedzi wega wega kana iwe uchishingairira kutenga ETF uchitevera avhareji yekushanda kwemusika wemasheya nguva dzose mwedzi wega wega kwemakore makumi maviri. Mune mamwe mazwi, kana iwe ukatora miniti imwe yenguva yako mwedzi wega wega kupinda mukutenga kweETF mupuratifomu yako yekudyara, nekufamba kwenguva iwe uchaita. imwezve 1 CZK kweminiti imwe yenguva yako uye chenjererai mwedzi woga woga. Saka, mumakore makumi maviri, anenge 20 240 CZK. Kana, kune rumwe rutivi, ukaendesa mari yako kumari yechinyakare, unopa imwe purofiti iyi kune mamaneja ehomwe uye unenge wazvichengetera miniti yebasa mwedzi wega wega.
- Zvimwe pamusoro pemashandiro eETFs Dhawunirodha mahara - XTB inonyanya kufarirwa ETF
Kukurukurirana kwechinyorwa
Hurukuro haina kuvhurwa pachinyorwa chino.
