Ndeipi portfolio yakakwana kune vanhu vanobhadharwa?
Ini ndinobvunzwa mubvunzo uyu nguva dzese & vanhu, kazhinji pane kwete, vanonetsekana kubata mhinduro yandinayo. Nokudaro, ndakafunga kutora mukana uyu kugovera pfungwa dzangu pamusoro pechinyorwa ichi nekupa hwaro hwedzidziso hunoteverwa nehumwe gwara.
Ndokumbira muzive kuti iri harisi zano rezvemari. Kuvakwa kwePortfolio & kugovera sarudzo zvinoenderana nemamiriro emunhu anoita mari.
Kana iwe uri munhu anobhadharwa usingakwanisi kutsanangura nzira yekuvaka & kugovera yako mari yemari, chinyorwa ichi chinongopa chinonzwisisika chimiro chinofanira kuita kuti iwe utange. Kuti uwane ruzivo rwakadzama, bvunza chipangamazano chekudyara.
Handei ipapo.
Portfolio Yevanhu Vanobhadharwa - Kuisa Chinangwa
Kugadzika chinangwa kwakakosha kune manejimendi epodfolio. Isu tinofanirwa kuziva chinangwa icho portfolio ichanangana kusangana nayo. Ichi chinangwa chekumisikidza chinotipa:
- chiyero chinozivikanwa chekudzoka;
- danho rinozivikanwa renjodzi yekunongedza;
- nguva yehorizon iripo
Munyika chaiyo, vatengesi vanogona kunge vaine zvinangwa zvakawanda. Chinangwa chega chega chine chekuita nekugona kweiyo portfolio yese kuvagutsa. Muridzi anogona kudzidziswa kukoshesa zvinangwa kana iyo portfolio isina kukwana kana zvinotarisirwa zvakanyanyisa.
Kuchengeta zvinhu zviri nyore, nechinangwa chechinyorwa chino, tichaita mamwe fungidziro. Izvi ndezvi:
- The investor ane chinangwa chimwe chete, ndiko kuti, kuchengetedza mwero yavo yekurarama kusvika pamudyandigere zvichibva pamuhoro wekupedzisira unodhonzwa wakagadziridzwa kukwira kwemitengo;
- Zera rekupinda mukushanda imakore makumi maviri nemashanu & pamudyandigere kana mutyairi aine makore makumi matanhatu ezera;
- The dividend & fixed Income inogadzirwa neportfolio inoiswazve.
Portfolio Yevanhu Vanobhadharwa - Pfungwa yeHuman Capital
Hapana nhaurirano nezve manejimendi epodfolio ichave yakakwana kunze kwekunge tatarisa pamari yese yemutyairi. Iyi imari yemari (iyo portfolio) pamwe chete hupfumi hwevanhu.
Mari yese yeramangwana kubva kumabhizimusi kana mihoro yakagamuchirwa nhasi inotsanangurwa sevanhu. Iyi imari iripo yakaderedzwa pamutengo unofungirwa. Hunhu hwevanhu ndihwo hwepamusoro-soro pakutanga kwehupenyu hwekushanda uye hwakaderera pedyo kana pamudyandigere.
Vanamuzvinabhizinesi nevanhu vanozvishandira vanonzi vane mari yevanhu inomiririra kuenzana. Hazvina chokwadi kuti riini & imarii uye kuti munhu anozvishandira achaita riini.
Equity investments haina kunyanya kunyanyosiyana. Kana kambani inozivisa a govana kana kwete uye chii chichava mufambiro wemutengo wemugove haugone kuenzanisirwa. Nokudaro, chinhu chengozi chakakwirira.
Saizvozvo, kune vanhu vanotambira mari, huwandu hwevanhu hunonzi hunonyatso miririra mari yakatarwa. Munhu anobhadharwa anotambira mari yakatarwa, yenguva dzose mwedzi woga woga.
Fixed income investments haina kunyanya kunyanyo siyana. Imari inobhadharwa nekambani pamabhondi ayo & misi yavo inogona kuenzanisirwa. Nokudaro, chinhu chengozi chakaderera.
Naizvozvo, kune vemabhizinesi & vanhu vanozvishandira vane equity-yakaita seyavanhu, kugoverwa kwepodfolio kunofanirwa kurerekera kune yakagadziriswa mari. Saizvozvo, kune vanhu vanobhadharwa vane mari yakatarwa senge mari yevanhu, kugoverwa kwepodfolio kunofanirwa kunzi kune equity.
Portfolio Yevanhu Vanobhadharwa - Zvimwe Zvinhu
Kufunga nezvehunhu hwehupfumi hwevanhu mukuzviparadzanisa kungave kwakareruka kuita sarudzo dzekugovewa kwepodfolio. Munhu anofanira kuonga zvimwe zvinhu.
indasitiri
Vashandi vakawanda cyclical industries senge zvinhu, mota, simende, simbi, uye zvekuvakisa zviri panjodzi kupfuura vashandi vehutano & dzidzo.
Maindasitiri aya anoita zvakanaka kana mari dzemubereko dzadzikira, mari kubva kumabhanga ichiwanikwa nemutengo wakaderera uye hupfumi hwenyika huri kusimukira. Dzosera zvinhu izvi, uye unoona kuti maindasitiri aya anonetsekana.
Nekufamba kwenguva, nekuda kwekutenderera kwemaindasitiri aya, tinoona kuti mwero wekukura kwemuhoro unoratidza mutsauko pamwe nemubhadharo wakabatana nekuita. Nekudaro, munhu haagone kugumisa kuti huwandu hwevanhu hwemunhu ataurwa hwakafanana nemari yakatarwa.
Zvimwe chetezvo kumunhu anozvishandira ane kambani yemishonga kana fetereza. Kudzivisa zviitiko zvakanyanyisa sehondo, denda, uye nzara, kudiwa kwezvigadzirwa nemasevhisi emabhizinesi aya kunoramba kusingaite.
Cyclical zvinhu zvakaita semubereko, mutemo wemari, kana mwero wekukura hauna mhedzisiro yakanyanya kumaindasitiri aya. Naizvozvo, isu tinogona kugumisa kuti bhizimusi revanhu harina kuenzana.
zera
Kugoverwa kwePortfolio kunofanirwawo kufunga nezvezera remuridzi. Kugoverwa kwepamusoro kune kuenzana kunosarudzwa kune munhu ane makore makumi maviri nemashanu achangotanga basa rake.
Kana misika ikashanduka yakaipa, iyo yakareba nguva yekuenda pamudyandigere inobvumira kurasikirwa kwepodfolio kwenguva pfupi kudzoserwa.
Uku kugona kwepamusoro-kutora njodzi kunodzikira sezera remuhoro remunhu. Pamakore makumi mashanu ekuzvarwa, migove ye equity kune iyo portfolio inofanira kunge iri vashoma uye isingavepo pedyo kana pamudyandigere.
Izvi zvinodaro nekuti panguva kana pedyo nekurega basa, munhu wacho haana shanduko yenguva yekudzoreredza kusagadzikana kwenguva pfupi mumisika yemasheya uye nekudaro anoisa njodzi yekushaikwa kwepodfolio pakurega.
Mafungiro kune Ngozi
Sevanoisa mari, zvakakosha kunzwisisa maitiro emunhu kune njodzi. Kwatiri, mukana wekuti iyo portfolio ichatadza kuzadzisa chinangwa chakataurwa neimwe margin inonzi njodzi.
Vanoisa mari vanofanirwa kuziva mhedzisiro yekutora njodzi kwakadai pane yavo portfolio, kuisa mari zvinangwa & mwero wekurarama. Kunyanya kushivirira kana kushomeka kwenjodzi kunogona kutungamira kune suboptimal portfolio sarudzo & pakupedzisira portfolio kusashanda.
Diversification
Sevanoisa mari, zvinodikanwawo kufunga nezvekusiyana-siyana. Izvi zvaive nezvazvinoreva pane zvese sarudzo yemakirasi easset & kusarudzwa kwekuchengetedza mukati mekirasi yeasset.
Nechinyakare, vanoisa mari vakavaka mapotifoliyo nekugovera mari pakati peequity neyakagadziriswa-inowanikwa mari. Pave pane zvishoma zvekusava nehanya nazvo kumwe kudyara, iyo inogona kuita sekudzorera kuwedzera kana njodzi mitigators.
Maitiro aya achinja uye isu ikozvino tine humbowo hwekutsigira kuti mapotifoliyo akasiyana ane imwe mhando yekuratidzira kune mamwe mainvestimenti, ayo anosanganisira:
- Musha (inflation hedge & diversifies risk);
- Hedge mari (kuwedzera kudzoka & diversify njodzi);
- Commodities (inflation hedge ine mukana wekuwedzera kudzoka uye njodzi dzakasiyana);
- Private equity (kuwedzera kudzoka & diversified njodzi);
- Digital assets (Wedzera kudzoka & njodzi dzakasiyana).
Izvo zviri kutaurwa, kutonga kwekutarisa & zvipingamupinyi zvekupinda zvinodzivirira kuwanikwa kweakawanda eiyi mota dzekudyara kune avhareji anobhadharwa munhu.
Saizvozvo, kufunga kwechinyakare mumugwagwa zvakare kunoratidza nekubata maviri kana matatu anopisa security nguva nenguva. Izvi zvinotungamira kune yenguva pfupi yekumisikidza mukutsvaga kwenguva refu zvinangwa & pamusoro-kutengesa.
Sarudzo dzakadzika dzakadai dzinoda kudziviswa & vanhu vanobhadharwa vanofanirwa kusarudza nzira dzekudyara dzepasirese dzinopesana nedzinoshanda. Izvi zvinodaro nekuda kwemaitiro ekuita mari:
- Govera iyo yekutsvagisa & execution maitiro kune nyanzvi;
- Gonesa kusiyanisa;
- Bvumira investor kuti atarise pabasa rake nemhuri.
Iyo Yakakwana Portfolio yeVakabhadharwa Vanhu
Isu ikozvino tinoisa mamiriro edu ekuita nekugadzira portfolio yevanhu vanobhadharwa pamuenzaniso. Sekuona kwangu, aya ndiwo maitiro andinoda kuita zvinhu ndega.
Yakanaka Portfolio yeMuhoro Wemunhu - Zera: 25 kusvika 3
Tinoona kuti:
- Iyi ipotifolio ine hutsika hwepamusoro-soro nekuda kwekureba kwenguva refu kunowanikwa;
- Iyo yakareba yenguva yakareba inobvumira isu kugovera zvine hukasha mari yakakosha (85%) kune Growth Stock Mari, chinokosha Mari & Cryptocurrency.
- Pfungwa ndeyekuita mipiro yenguva dzose kune portfolio kuburikidza nekuchengetedza & iyo yakatarwa mari portfolio yekuvaka zvishoma nezvishoma zvinzvimbo.
Yakanaka Portfolio yeMuhoro Wemunhu - Zera: 35 kusvika 44
Tinogona kuona kuti:
- Equity neCommodity vane mari shoma yavakagoverwa;
- Yakagadziriswa mari ine mari yakawanda yakagoverwa kwairi;
- Real estate ine capital yakapihwa iyo kuburikidza nekudyara mukati dzimba dzekudyara dzimba kana pfuma yemuviri;
- Zvekare, chinotariswa pano ndechekubatanidza zvakawanikwa kubva panguva yekupedzisira kuita njodzi dzakasiyana siyana (45% kugoverwa kune yakatarwa mari, Commodity mari & real estate) uchichengetedza inorema capital capital strategy ine yakakwira (55%) kugoverwa mukukura kwemasheya uye. Cryptocurrency.
- Zvekare, isu hatinetseke nekusagadzikana kwenguva pfupi sezvo yedu yekudyara horizon inoramba iri kwenguva refu.
Yakanaka Portfolio yeMuhoro Wemunhu - Zera: 45 kusvika 54
Tinogona kuona kuti:
- Tine makore gumi nemashanu chete kana mashoma asara kune chinangwa chedu chekurega basa, zvakakosha kudzikamisa zvinhu zvine njodzi zvakanyanya zvepodfolio yedu;
- A passive index tracking fund inotsiva iyo Growth Stock homwe pachikamu chakaderedzwa;
- Fixed mari uye real estate vane mari yakawanda yakagoverwa kwavari;
- Commodity uye Cryptocurrency vane mari shoma yavakagoverwa;
- Sezvinogona kufungidzira, panguva ino iyo portfolio haina humbozha hwekuregeredza kushanduka kwenguva pfupi uye ine chekuita nekubatanidza mibairo, kudzivirira kubva mukukwira kwemitengo, uye kunanga kukoshesa mari nenzira ine hutsinye.
Yakanaka Portfolio yeMuhoro Wemunhu - Zera: 55 kusvika 60
Tinogona kuona kuti:
- Nekusvika pamudyandigere, tarisiro yave kuwedzera pakuchengetedza kukuru uye kugadzira mari yekuwedzera kukosha kwepodfolio nenzira yakayerwa. Nekudaro, 90% yemari yakagoverwa kune yakatarwa mari & real estate.
- Kumwe kugovaniswa kwenjodzi kunoramba kuri kuenzana ye "kick" kukuedza kwese kuunganidza mari.
Mudyandigere:
Nekurega basa, hapana chikonzero chekuedza kune ngozi.
Chinangwa chepotfolio chave kubhadharira mari yake yekurarama kusvika pamudyandigere. Nekudaro, iyo yakaenzana-inorema portfolio inovakwa pakati peyakagadziriswa-muhoro mari & real estate.
mhedziso
Zvinogona kuyerwa kubva munhaurirano iri pamusoro kuti hapana mhinduro imwechete kune yakakwana portfolio yevanhu vanobhadharwa.
Mune mamwe mazwi, mhinduro inotsamira pane zvakawanda zvinhu & isu tinogona kushandisa iyo yehupenyu kutenderera kuongorora segwara rekuvaka rakakwana portfolio yevanotambira vanhu.
Iva neruzivo rwekuti ichi chingori chimiro, sezvo mamiriro epasirese anogona kunge akaomarara aine zvibodzwa zvakawanda izvo zvingasamirira kusvika pamudyandigere.
Naizvozvo, ndinokukurudzira kuti utsvage zano rehunyanzvi kune yako wega portfolio sarudzo.
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