Maitiro Ekutanga Kuisa mari muSIP yeVanotanga? Wakambozvibvunza nezve zano risingangorerutsa nyika yakaoma yekudyara asi zvakare inoita kuti iwanikwe kune wese munhu?
Pinda iyo Systematic Investment Plan (SIP), nzira inombundirwa zvakanyanya muinvestment fund domain. Asi chii chinoita kuti SIP ive pachena? Inonyatsogadzirisa sei njodzi, ichiita kuti ienderane nevatsva?
Ngationgororei hwaro hweSIP, tiburitse zvakanakira, uye titarise zvakanyanya matanho ekutanga ekutanga kuisa mari muSIP pakupedzisira.
Zviri Mukati:
- Chii chinonzi Systematic Investment Plan (SIP)
- Zvakanakira Kana Kuisa Mari muSIP
- Maitiro Ekutanga Kuisa mari muSIP yeVanotanga
- Bottom Line
- Mibvunzo Inonyanya Kubvunzwa
Bata inorarama "Maitiro ekutanga kuisa mari muSIP" musangano
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Chii chinonzi Systematic Investment Plan (SIP)
A Systematic Investment Plan (SIP) inomira pachena senzira yakambundirwa zvakanyanya mukati meinvestment fund domain. Inomiririra a inochinjika uye inotaurika nzira kune vanoisa mari, zvichiita kuti vakwanise kupinza mari yakatemerwa nguva nenguva, kazhinji pamwedzi wega wega, muhomwe yekudyara yakasarudzwa. Iyi nzira inobvumira vanoisa mari kuti vaunganidze purofiti mukati menguva refu vachifambisa zvine hungwaru kushanduka kwemusika.
Muenzaniso wakanaka ndewe mudzidzi mutsva ane muhoro wepamwedzi wega wega wemamiriyoni gumi nemaviri. Achangogamuchira muhoro wake mwedzi wega wega, anoshandisa 12 miriyoni kuisa mari mune stock code zvisinei nekuti musika uri kukwira kana kudzika. Akaramba achiita izvozvo kwenguva yakareba.
Saka, iwe unogona kuona kuti, neiyi nzira yekuisa mari, chaunoda haisi bundu rakakura remari, asi kuyerera kwemari pamwedzi kwakadzikama. Panguva imwecheteyo, iyi nzira inodawo kuti vanoisa mari mari varambe vachidyara kwenguva yakareba.
Zvakanakira Kana Kuisa Mari muSIP
Avhareji yemutengo wekuisa mari (dollar-cost averaging).
Semuenzaniso, kana uine 100 miriyoni yekuisa mari, pachinzvimbo chekuisa mamirioni zana mune stock code, iwe unokamura iyo mari mumwedzi gumi, mwedzi wega wega uchidyara mamirioni gumi. Paunoparadzira mari yako pamusoro pemwedzi gumi, iwe unozobatsirwa kubva paavhareji mutengo wekutenga wezvekushandisa mukati memwedzi gumi.
Kune mimwe mwedzi paunotenga mashizha nemutengo wakakwirira (zvikamu zvishoma zvakatengwa), uye mwedzi unotevera unotenga mashizha nemutengo wakaderera (zvimwe zvikamu zvakatengwa)... Asi pakupedzisira, iwe zvechokwadi uchabatsirwa nokuti unogona kutenga. paavhareji mutengo.
Kuderedza Manzwiro, Kuwedzera Kuenderana
Paunenge uchidyara mune iyi fomu, unogona kupatsanura manzwiro kubva kune ekudyara sarudzo. Iwe haufaniri kuva nemusoro uchifunga: "Musika uri kuwira, mitengo yakaderera, ndinofanira kutenga zvakawanda here?" "Ko kana iwe ukatenga ichikwira, zvino mangwana mutengo unodzika?"... Paunodyara nguva nenguva, iwe uchaisa mari nguva dzose zvisinei kuti mutengo ndewei.
Inodhura, Nguva-Inoshanda Investment kune wese munhu
Iwe haudi mari yakawanda kana nguva yakawandisa yekuisa mari muSIP. Chero bedzi iwe uine yakagadzikana kubuda kwemari, iwe unogona kuisa mari mune iyi fomu. Iwe zvakare haufanirwe kupedza nguva yakawandisa zuva rega rega uchitarisa musika, kana kufunga kaviri nezvekutenga nekutengesa. Naizvozvo, iyi imhando yekudyara inokodzera ruzhinji.
Maitiro Ekutanga Kuisa mari muSIP yeVanotanga
Nzira Yokutanga Kuisa muSIP? Aya matanho akakosha anoratidza zvinangwa uye mhedzisiro chaiyo zvichienderana nemusika dynamics uye mamiriro emunhu. Isa pamberi tsvakurudzo yakazara uye funga kutsvaga mazano kubva kune nyanzvi yezvemari usati waita sarudzo dzekudyara.
Sarudza SIP Index Fund
- muromo: Tanga rwendo rwako rwekudyara nekuongorora SIP index mari inoenderana nezvinangwa zvako zvemari. Sarudza mari yakabatana neine mukurumbira indices seS&P 500.
- muenzaniso: Unogona kusarudza Vanguard's S&P 500 Index Fund nekuda kwekuita kwayo kwakasimba kwekutevera S&P 500.
- Inogona Kuguma: Sarudzo iyi inopa kuratidzwa kune akasiyana portfolio yekutungamira US stocks, ichiisa hwaro hwekugona kukura.
Ongorora Zvinangwa Zvako Zvekudyara uye Kushivirira Kwengozi
- muromo: Ongorora zvibodzwa zvako zvemari uye njodzi yekunyaradza. Sarudza kana iwe uchitsamira pakukura kwenguva refu kana kusarudza imwe nzira yekuchenjerera.
- muenzaniso: Kana chinangwa chako chiri kukura kwakasimba nengozi iri pakati nepakati, funga nezveVanguard's S&P 500 Index Fund sezvo inowirirana neiyi njodzi profile.
- Inogona Kuguma: Kubatanidza sarudzo yako yehomwe nekushivirira kwako njodzi kunosimudzira kugona kwako kushanduka kwemusika.
Tanga Account Brokerage uye Zadzisa KYC Zvinodiwa
- muromo: Tanga rwendo rwako rwekudyara nekutanga account yebrokerage ine chikuva chine mukurumbira saCharles Schwab kana Fidelity. Zadzisa zvakakosha Ziva Mutengi Wako (KYC) zvinodiwa.
- muenzaniso: Vhura account naCharles Schwab, uchiendesa chitupa chinodiwa uye humbowo hwekero yeKYC maitiro.
- Inogona Kuguma: Kubudirira kugadzira account kunopa iwe mukana wekuti utange kuisa mari muSIP index fund yako yakasarudzwa.
Gadzira Automated SIP Contributions
- muromo: Gadzirisa danho rekudyara nguva dzose nekutarisa mupiro wepamwedzi (semuenzaniso, $200) uye kuronga zveotomatiki kutamiswa kuburikidza neakaundi yako yebrokerage.
- muenzaniso: Gadzirisa mari yepamwedzi yemadhora mazana maviri muVanguard's S&P 200 Index Fund.
- Inogona Kuguma: Mipiro otomatiki inoshandisa simba rekubatanidza, inosimudzira inogona kukura kwenguva refu.
Gara Ongorora uye Gadzirisa Sezvinodiwa
- muromo: Ramba uchibatikana nekugara uchiongorora mafambiro ehomwe yako yeSIP index, uye kugadzirisa pazvinenge zvichidikanwa.
- muenzaniso: Ita ongororo yekota, gadzirisa huwandu hwako hweSIP, kana kuongorora imwe mari zvichienderana nemamiriro emusika.
- Inogona Kuguma: Ongororo dzenguva nenguva dzinokupa simba rekuita sarudzo dzine ruzivo, kujairana nemisika, uye kugara uchienderana nezvinangwa zvako zvemari.
Bottom Line
Iwe unowana nzira yekutanga kuisa mari muSIP izvozvi? Systematic Investment Planning (SIP) haingori nzira yekudyara asiwo nzira inobatanidza kureruka uye kukura munyika yezvemari. Kugona kwayo kuenzana mitengo yekuisa kuburikidza nedhora-mutengo wepakati, kuderedza kusagadzikana kwemanzwiro, uye kupa yakagadziridzwa, inochengetedza nguva yekudyara nzira yemunhu wese inoita kuti ive sarudzo yakanaka.
Uyezve, SIP igwara rinotungamira iro rinorerutsa kuomarara uye rinokurudzira kuranga, ruzivo, uye rubatsiro kune avo vanoda kuwedzera mari yavo.
💡Unoda kuita maworkshops kana kudzidziswa nezve "Maitiro ekutanga kuisa mari muSIP", tarisa AhaSlides ipapo! Icho chinhu chinoshamisa chishandiso kune vese vanhu uye mabhizinesi ari kutsvaga zvese-mu-imwe mharidzo software inosanganisira zvakapfuma zvemukati, sarudzo dzepamoyo, quizzes, gamified-based elements.
Mibvunzo Inonyanya Kubvunzwa
Ndeipi SIP yakanaka kutanga?
Iyi nzira yekudyara inokodzera chete kune zvigadzirwa zvemari zvinogona kutengwa zvishoma, semuenzaniso, masheya, goridhe, kuchengetedza, cryptocurrencies, etc. Chaizvoizvo, kana iri yenguva refu yekudyara, kukosha kweasset kuchawedzera nekufamba kwenguva. Mumwedzi yekutanga nemakore, nekuti iyo mari yekudyara mari ichiri diki, unogona kubvuma njodzi dzakakwirira uye purofiti kubva mukushanduka kukuru kwemusika.
Imarii yakafanira kune anotanga kuisa mari muSIP?
Kana iwe ukadyara $5,000 muSIP, mari yacho ichagoverwa kune yakasarudzwa mutual fund muzvikamu zvenguva dzose. Semuenzaniso, neSIP yepamwedzi, $5,000 yako inogona kuiswa se $500 pamwedzi pamwedzi gumi. Kusagadzikana kwakakosha kupfuura huwandu hwekutanga, uye iwe unogona kugara uchigadzirisa sezvo mamiriro ako emari achivandudza. Kugara uchitarisisa kunoita kuti mari yako ienderane nezvinangwa zvako uye mamiriro emusika.
Ndingatanga sei muSIP?
Ungatanga sei kuisa mari muSIP? Mamiriro anodiwa kuti iwe ugone kuisa mari nguva nenguva ndeyekuve nekugadzikana kwemari kuyerera. Mari yemwedzi wega wega yaunoisa parutivi yekudyara inoda kuparadzaniswa zvachose kubva kune zvimwe zvinodiwa zvehupenyu, kusanganisira zvinodikanwa zvekukurumidzira zvakadai senjodzi dzehutano, uye njodzi dzekushaikwa kwemabasa ... Periodic investments inoenderera mberi, ndiko kuti, mari yacho haina magumo munguva.
Naizvozvo, iwe unofanirwa kuve wakagadzirira mupfungwa kuti iyi inguva refu yekudyara, iyo inogona kusvika kumakore gumi. Zano diki apa nderekuti usati watanga kuisa mari, unofanirwa kuzvivakira homwe yekukurumidzira. Iyi imari yekukubatsira kubata nemamiriro ekukurumidzira muhupenyu.
Ref: HDFC bank | Times of India