Kana runyararo ruchienda kuhondo uye misika yese yakanganiswa, zano rehunyanzvi pakubata mari yako yakakosha.
Ichi chinyorwa-chisina jargon chinotsanangura ins uye kunze kwekudyara munguva dzehondo uye inoongorora dzakasiyana siyana dzekudyara mikana inowanikwa mumusika.
Mhedzisiro yehondo pamativi ese makuru easset, kubva kumabhondi, equities, mari, uye real estate kusvika kune zvigadzirwa, mari & goridhe inotsanangurwa uchishandisa inoshanda mienzaniso uye chaiwo mamiriro.
Hapana chikonzero chekuvhunduka - ingotora matanho nemusoro wakadzikama & wakadzikama sezvo kunetsana kwezvematongerwo enyika kuri kuwedzera.
Saka ndichakubvunza mubvunzo. Chii chingave mhedzisiro pakudyara kwako kana hondo ikamuka mangwana kune rimwe divi renyika?
Mhinduro yacho yaizoenderana nemhando ipi yekudyara yaunayo, handiti?
Kuve nemigove mukambani inogadzira michina yekudzivirira kunogona kukwira. Asi kuve nemashares mukambani yezvikepe zvechikepe zvinogona kudzikira.
Heino rondedzero inokurumidza yezvatichabata inotevera:
MaIndia Anofanira Kuisa Kupi Munguva Yehondo?
Ngatikurukurei zvino mhedzisiro yehondo pane zvimwe zvakakosha zvinhu uye nei tichifanira kuzvifunga nezvekudyara munguva yehondo.
zvisungo
Usatenga mabhondi. Zvichida vachakurasikirwa nemari munguva yehondo.
Ndizvo zvinoshamisa kutaura sezvo mabhondi achionekwa seakachengeteka. Asi ndichatsanangura kuti sei chiri chokwadi.
Paunotenga bond remazuva ese, uri kupa chikwereti kuhurumende kana kambani yakachipa. Mukwereti anokubhadhara mubereko kwenguva yakati obva akudzosera mari yako.
Hondo inogona kukonzera mitengo yemafuta kukwira. Kukwira kwemitengo yemafuta kunogona kushandura mubereko yakakwirira.
Kana mari yechimbadzo ichikwira mushure mekunge watenga bond, mutengo wayo wemusika unodzikira, nekuti mabhondi matsva ari kuburitswa anobhadhara mari yepamusoro.
mari
Handitendi kuti kubata mari inzvimbo yekudzivirira. Pane mukana mukuru wekuti kukosha kwechokwadi kwemari kunoderedzwa nekuda kwekukwira kwemitengo.
Ngatifungei kuti chikamu chenyika chakundwa kana kugarwa - mikana yemari inogona kutsiviwa zvachose kana kuti inogona kushanduka kuita. mari yebhanana dzakakwirira kwazvo.
Saka, ini handisi kuzokurudzira kuisa mari mumari munguva yehondo.
goridhe
goridhe ndeimwe yenzvimbo dzinoita zvakanaka munguva dzehondo. Goridhe rinoonekwawo seruzhowa rwekurwisa inflation uye kudzikira kwemari.
Ndarama yakakunda masheya munguva apo paive nekusagadzikana kwakanyanya nekuda kwekukwira kwemitengo uye kuderera kwemari. Munguva dzakadai, goridhe rinoshanda seruzhowa runoshanda pamitengo nemabhondi nekupa zvibereko zvakanaka pavanenge vachidonha.
Zvisinei, munguva dzemakakatanwa akapedzwa nokukurumidza, ndarama yakasashanda zvakanaka nechikamu chikuru. Mumamiriro ezvinhu aya, vanoisa mari vakasarudza kuisa mari yavo mumasheya kuti vawane kukurumidza pane kuiisa muzvinhu zvakachengeteka segoridhe.
Ndichakukurudzira kuti uve nekamwe kagoridhe mukati mako Portfolio, kana pane kudiwa kwechimbichimbi kwemari.
Kune nzira dzakawanda dzekudyara mugoridhe kunze kwekuve nebullion kana mari. Unogona kuva muridzi weETFs/RBI Sovereign Gold Bond Scheme inokupa muridzi wesimbi pachidimbu chemutengo wemusika uripo.
Musha
Musha bheji yakachengeteka nekuti yakaratidza kusimba kwayo kwemakumi emakore, kunyangwe mazana emakore.
Munguva dzekusagadzikana kwehupfumi, vanhu vanowanzo tendeukira kuzvinhu zvinobatika senge zvivakwa nekuti vanozvinzwisisa zvirinani pane masheya kana mabhondi, izvo zvinogona kuve pasi pekufamba kwakashata kunoenderana nerunyerekupe kana fungidziro.
Kuisa mari mu real estate kunogona kuve bheji yakanaka kwauri. Hondo inovhiringidza kugovera kwekutengesa kunoguma nekukwira kwemitengo. Kuwedzera kwemutengo wezvinhu zvakaita sesimende nesimbi kuchawedzera mitengo mumusika wezvivakwa.
Ndinokukumbira kuti uchengete chokwadi ichi mupfungwa kuti, kana hondo ikaitika munyika yaunogara, kuisa mari muvhu kuri nani pane kuisa mudzimba, zvivakwa, dzimba, nezvimwewo sezvo zvivakwa zvakavakwa zvinogona kuparadzwa munguva yehondo.
Equities
Pakupedzisira, asi zvakanakisisa. Ehe, hapana chinhu chiri nani pane equities yekuisa mari mairi munguva yehondo.
Ngatitorei muenzaniso weHondo yeKargil muna 1999. The Indian stock market yakadzika kusvika ku10% apo hondo yakaziviswa uye yakadzorerwa ku30% hondo isati yapera.
Zvakare, munguva yeHondo Yenyika I, musika wemasheya weUS wakavharwa, uye pakatanga kutengeseranazve mushure memwedzi mina, Dow Jones Industrial Average yakavhura 30% pasi, uye kubva ipapo, yaive imwe nzira yekukwira! Yakapeta nekaviri mukati mehondo inopfuurira, pasinei zvapo nokutaura kwose kwehondo nokusava netariro.
Zvakafanana zvakaitika mushure mekupera kweHondo Yenyika Yechipiri. Musika weUS wakavhurwa negedhi rakakura pasi uye mugore rakapa kudzoka kwe50%.
Muna 1975, India yakanga ichipfuura nemumamiriro akaita nzara mushure mehondo yeBangladesh uye panguva imwecheteyo, pakanga paine dambudziko remafuta pasi rose.
Hupfumi hweIndia hwakapinda muICU nekuda kweizvi zvakapetwa kaviri. Vazhinji vemaridzi vepasirese vaive vakagadzirira kunyora India sebhasikiti rehupfumi.
Asi misika yemasheya yeIndia yakashamisa munhu wese ne100%-plus kudzoka kwavo mukati memakore asingasviki maviri.
Diversification ndiyo yakanakisa imwe nzira - GARA!
Nzira yakajairika yekudzikisa njodzi yechero portfolio ndeyekusiyanisa kana kuparadzira mari mukati mekudyara kwakawanda. Iwe unogona kusiyanisa kuti uderedze mikana yekuti mari imwe chete inokonzeresa kurasikirwa kukuru.
Nekuda kweizvozvo, iwe unozodzikisawo kusawirirana kwekuti imwe investimendi inoburitsa purofiti yakakura.
Asi kusiyanisa kwema investor hakushande chete kune equity holdings. Inogonawo kusanganisira geographic diversification, iri pamusoro pekuparadzira capital munyika dzakawanda.
Nzira yakanakisa yekuita izvi nekuisa mari yako munzvimbo dzakasiyana siyana uye makirasi easset. Iwe haudi kuti mari yako yese iiswe mune imwe nyika kana imwe kirasi yeasset kana hondo yatanga kana kune kuderera kwehupfumi - nekuti hauzive zvichaitika zvinotevera.
Ndinoziva kuti kusiyanisa kunotaridzika nyore mune abstract.
Asi paunoedza kuzviita, zvakaoma.
Heino kana chinhu chakadai Dezerv ichashanda kune vakawanda vanoisa mari. Dezerv inokutendera iwe kuti uise mari muzvinhu zvakasiyana-siyana usinganetseki nezve chero chinhu - yako portfolio inobatwa nechikwata chenyanzvi.
Tarisa yedu post pa Dezerv wongororo yakadzama.
Rega ndiratidze mufananidzo we'High-Risk High Reward Portfolio' inotungamirwa naDezerv kuti unzwisise zviri nani.
Nekutarisa pamufananidzo uri pamusoro, unogona kuona iyo investimendi yakakamurwa zvakanyanya muzvikamu zvitatu:
- Equity-based Mutual Funds uye Index Funds: yekukura
- Fixed Income Funds: kuitira kugadzikana uye kuchengeteka
- Ndarama Fund: yekuvhara mumamiriro ezvinhu ehondo
Ndinofanira kudzikinura mari yangu yeMutual/SIPS kana hondo ikatanga here?
Iwe haufanirwe - kana iwe uri mutengi wenguva refu.
Usambofa wakasiya SIP yako, Yakarongeka Investment Plans, mune akakodzera mutual fund scheme, kunyanya kana uchigadzirisa zvimwe zvinangwa zvemari.
SIP inzira yekuisa mari mukati itirana mari (MFs) nemari yakatarwa panguva dzenguva dzose, toti, pamwedzi kana kota. Nenzira iyi iwe unowana kubatsirwa kubva kune simba rekubatanidza uye zvakare mukana weiyo rupee mutengo wepakati.
Ivhareji yemutengo payuniti inoderedza kana iwe ukatenga yakawanda kana misika ichiderera uye zvishoma kana ichikwira.
Saka, kana iwe ukaona mari yako yehomwe ichidzika pasi mumashoko akakwana apo misika iri kuderera, usavhunduka. Zvinongoreva kuti une mamwe mayunitsi emari yako.
Usarasikirwa nemukana wekuunganidza zvikamu zveMutual Funds kana misika iri mukuderera.
Ramba uchifunga kuti kuisa mari mune mutual fund ndiyo imwe yenzira dzakanakisa dzekuvaka hupfumi. Kune avhareji investor, mutual funds inzira ine simba yekugadzira hupfumi.
Ndekupi kwandichaisa mari muWartime?
Chekutanga, ndinovimba kuti hapazovi nehondo.
Nekudaro, kana yadzikira mumusika wemasheya nekuda kwekunetsana kwegeopolitical, denda, kana hondo, sarudzo yangu yekudyara ichave:
1. Zvikamu zveBlue-chip makambani ane hutungamiriri hwemusika
Iwo makambani eblue-chip ane yakanaka track rekodhi yekukura uye purofiti. Iwo makambani ane nhoroondo inowirirana yekuita zvakanaka.
Bhuruu-chip masheya kazhinji haakupi iwe yakakwira kudzoka, asi iwo anowanzo kuderera kupfuura musika wemasheya uye mamwe marudzi mazhinji emasheya. Ndaizotora dzinowanzobhadhara zvikamu kune vagovani vavo.
2.Kuchinjana-Kutengesa Mari (ETFs)
Exchange-Traded Funds (ETFs) imhando yehomwe iyo vanotengeserana pamasheya market. ETFs inzira iri nyore yekuwana mukana kune imwe kirasi yeasset.
ETF yega yega inoteedzera indekisi kana chikamu uye inotengeswa senge stock yega. Iwe unogona kutenga nekutengesa ETFs kuburikidza nemutengesi wako.
3. Digital uye Technology Funds
Digital uye tekinoroji mutual fund inodyara mumasheya emakambani ane ratidziro yakakura kune tekinoroji yedhijitari, Internet, IT, uye zvikamu zvine hukama.
Sezvo hupfumi hwenyika hunowedzera kudhijitariswa, mabhizinesi anogonesa tekinoroji angangowana musika.
Izvi zvinogona kuita zvakanaka kwauri mudhijitari uye tekinoroji mutual fund zvirongwa.
4 Ndarama
Ndarama inoratidzikawo inonakidza kwandiri sekudyara nekuti chinhu chinobatika uye inoonekwa seruzhowa rwekurwisa inflation. Ndinokurudzira kuisa mari muGold Funds, kwete simbi yemuviri. Kana kuti unogona kusarudza kutenga Changamire Goridhe Bond Scheme.
5. US Stock Market
Kuisa mari muUS stocks kubva kuIndia kunobvumidza iwe kusiyanisa mari yako yekudyara munzvimbo.
Sezvatinoziva tose, hakusi kuchenjera kuisa mari yako yose mumusika wekutengesa weko nokuti kushanda kwayo kwakanyatsobatana nezviitiko zvenyika uye mamiriro ezvinhu akadai sesarudzo, mitengo yemafuta, njodzi dzinongoitika dzoga, nezvimwewo. zvinokonzerwa nezviitiko zvemunharaunda.
Mastock epasirese haana kudzivirirwa kune zvinokatyamadza zvakadaro sezvo paine zvinhu zvakawanda zviri kutamba pasi rose zvinogona kukanganisa kuita kwavo. Heano iwo akanakisa maapplication muIndia ekudyara muUS Stocks.
Iwe unogona kutarisa kune yedu positi pa maturusi akanakisa ekuongorora musika wemasheya weIndia yekutsvaga mhando dzemasheya, MFs, ETFs, nezvimwe.
Hondo uye kukakavara kwepfuti kunowanzo kutungamira mukudzikira kamwe kamwe mupotifolio yako nekudyara.
Nekudaro, mumambure kwenguva refu, izvi zvinodzikira mukana wekudyara zvichibva pane zvakaitika.
Ini ndinokupa zano kuti usarambe usingaite uye nzira yakanakisa ndeyekutora mari pakudonha kamwe kamwe mumusika nekudyara mumakambani emhando yepamusoro / mari.
Ndinokurudzira kutarisa yedu AYF guide; zvinokubatsira kuti usazvinetse nezvemari yako uye nekufefetera nekukurumidza kushanduka kwemusika.
Iwe unayo here mibvunzo?
Ndizivise!
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