Ukhetho olukhethiweyo lweNgcaciso yeTherity Mutual Trusts Ukunikezela
Ukunyaniseka kunamanani amaninzi aphantsi kweendleko eziphantsi, ezenziwa ngokubanzi kwimigangatho eyahlukeneyo. Ngoxa i-Fidelity ingaziwa kakhulu ngemali ehlawulwe ngokufanelekileyo , ikwabonelela ngezinye zeengxelo ezincinci ezikhoyo kwiimarike. Ngako oko akumangalisi ukuba kutheni ukunyaniseka kungenye yeenkampani ezingenanto ezingenayo imithwalo yemali kwingxowa -mali yoluntu namhlanje.
Kuloluhlu lwemali engcono yokuthenga i-Fidelity, siya kuphula phantsi kwiintlobo zeemali ezi-3 ezithandekayo kwi-Fidelity.
Nantsi indlela eqhelekileyo ekukhetheni imali efanelekileyo yokuthembeka: Ukuze ndibe nemali elawulwa ngamandla, ndifuna ukubona ukusebenza kwangexesha elide elibetha inkcazo yesihlomelo sesikolo, umphathi wengqesho ubuncinane ubuncinane iminyaka emihlanu, kunye neempawu ezizodwa ezibahlukanisa nezinye iimali kwiluhlu.
Kwimali yenkcazo, ndandifuna ukuluhlu uluhlu oluthile kodwa ngokugqithiseleyo ndijonge ngeemali ezahlukileyo kunye nezilinganiso eziphantsi kweendleko.
Ngeengxowa-mali ezilinganisiweyo, ndandifuna ubuncinane ukhetho olunokusebenza ngabanye abatyale-mali, irekhodi elisebenza ngamandla kunye neefowthifoli ezahlukeneyo.
Iimali eziNgcono zoBulungisa: Ulawulo olusebenzayo
Imali elawulwa ngokufanelekileyo yintoni igama labo elibonisa ngayo - iipotifoliyo zokugcina iimali zokuthengisa utywala kwaye uthengise ngokwengqiqo yabo, ngokuqhelekileyo ngenjongo engavumelekanga yokubetha isalathisi esinxulumene.
Ngokomzekelo, i-capital-cap esebenza ngokukhululekayo ye-stock share fund iya kuthemba ukuba i-S & P 500 Index yenzeke kwiminyaka engaphezulu kweekhalenda kunokuba ingafanele kwaye ibe neenzuzo zangexesha elide ezibhetele kunekhowudi.
Nazi iimali ezine ezilawulwa ngenyameko ezivela kwi-Fidelity ezithatha ukukhupha i-index index, ngokukodwa kwixesha elide (oko kukuthi i-Return 5-year-10 returns year).
- I-Contrafund ye-Fidelity (FCNTX): Le ngxowa-mali ye-stock-indeksi enkulu inomphathi ofanayo, i-Will Danoff, iminyaka engaphezu kwe-25 kunye nerekhodi yakhe yokulandelwa kwemisebenzi ibe yinto enye. Ekubeni i-fund iqale ngo-1990, i-FCNTX ibuyele ngaphezu kwe-12% yokubuya, okuyiyona nto inqabileyo kwihlabathi lehlabathi. I-fund ifaka imali kwiimpahla ezikhulayo kunye nezitokhwe zexabiso, ubuninzi bezona zikhulu, kunye neesitokisi ezimbalwa zesikhombi kwi-mix. Umlinganiselo weendleko zeFCNTX unengqiqo eyi-0.71% kwaye ubuncinci bokuthenga okokuqala ngu-$ 2,500.
- Ukunyaniseka kweSicwangciso-mali kunye neNgeniso (FSDIX): Le ngxowa-yeenkwenkwezi ezine-4 inika imali ngokuthe ngqo kwiimpahla zentengo ngenjongo yokuvelisa ngeniso ngefom yezabelo zabanini-mali. Kodwa le ngxowa-mali nayo inenjongo yokukhula. Ngako oko i-FSDIX ingaba yinto efanelekileyo kubantu abahlala umhlala phantsi abafuna ukuthenga iimali ngenjongo yokufumana ingeniso kodwa ingaba yinto elungileyo kubatyalomali abafuna ukuxabisa kwexesha elide. Umlinganiselo weendleko ze-FSDIX ngowama-0.78% kwaye ubuncinci bokuthenga okokuqala ngu-$ 2,500.
- Ukunyaniseka Khetha i-Bio-Technology (FBIOX): Le ngxowa yezempilo , oku kuthetha ukuba kugxininisa ukugcinwa kwezinto ezikhoyo kwiinkampani ngaphakathi kwicandelo lezeMpilo, kulo mzekelo icandelo le-bio-teknoloji. Nangona i-bio-teknoloji yeemveliso zentlalo inokukwazi ukuxabisa kakhulu, ingaba nexesha elifutshane lokunciphisa. Ngako oko i-FBIOX inokuqwalaselwa kunye neengxowa-mali ezikhutheleyo, oku kuthetha ukuba kufanelekile kubaxhasi-mali bexesha elide abangenakucinga ukunyuka nokuhla kwezolimo. Umlinganiselo weendleko ze-FBIOX ngowama-0.73% kwaye ubuncinane bokuthenga okokuqala ngu-$ 2,500.
- Ikhampani yokuKhula kweTrust (i-FDGRX): Le ngxowa-yeenkwenkwezi-5 ngumnye umzekelo weengxowa-mali eziphathekayo eziphezulu ezivela kwi-manager manager, uSteven Wymer, oye wahlala e-FDGRX ukususela ngo-1997. iimpahla ezikholelwa ukuba umphathi ukholelwa ukuba unokukwazi ukukhula okungaphezulu kwesilinganiso. Umlinganiselo weendleko ze-FDGRX ngowama-0.88% kwaye ubuncinci bokuthenga okokuqala ngu-$ 2,500. Qaphela: Ngo-Juni 20, 2016, i-FDGRX ivaliwe kubatyalomali abatsha.
Iimali eziNgcono zeFickelity: IiNgxowa zeeNkcazo
Ukunyaniseka kunamanye amaxabiso angancinci kwiimarike. Nangona banikela malunga neengxelo zeemali ezilishumi, siya kugxininisa ezintathu zezona zinto zilungele ukunyusa ngoku:
- Ukholo lwe-Spartan 500 Index (FUSEX). Enye yeengcebiso ze- S & P 500 kwiimarike, i-FUSEX inomsebenzi omkhulu wokulandelela i-S & P 500 kwaye inomlinganiselo wexabiso eliphantsi kakhulu (0.095%) kuyo yonke indawo yonke. Ngenxa yobume bayo obanzi kwii-stocks ezikhulu kunazo zonke zase-US, i-FUSEX yenza i-core core holding portfolio. Utyalo-mali obuncinane bokuqala u-FUSEX ngu-$ 2,500.
- Ukholo lwe-US Bond Index (FBIDX): Ukuba ufuna inkcazo ye-Fidelity fund eyenza umsebenzi omhle wokufihla intengiso yebhanki yase-US, uya kufuna ukuqwalasela i-FBIDX, elandela i- Barclays Capital Capital US Bond Index Bond Index . Oku kuthetha ukuba abanini-nxaxheba be-index index bond baya kufumaneka kumawaka amabhonkco, okwenza i-FBIDX ibambe idibaniselwano eyahlukeneyo ukuze igubungele i-market bond. Umlinganiselo weendleko ze-FBIDX ngu-0.20% kwaye ubuncinci bokuthenga okokuqala ngu-$ 2,500.
- I-Mid Mid Cap Enhanced Index (FMEIX): Ukuba ufuna isixa-mali esivumelwaneni esinikezelayo esinikela kwi-stock cap-stock, i-FMEIX enye yeyona mali efanelekileyo kakhulu enokuyithenga kuloluhlu. Le ngxowa-yeenkwenkwezi-5 ilandelela i-Russell mid Cap Index, oku kuthetha ukuba abanini-nxaxheba be-FMEIX baya kufumaneka ngokubanzi kwiimpahla ezi-300 eziphakathi. Izitokisi eziphakathi kwamashishini zinokukhula okukhudlwana kunokuba zikhuphe iisitokisi ezinkulu kodwa nazo ziyakubona ukuhla kwexesha elifutshane. Oku kwenza i-FMEIX ibambelelo olukhuselekileyo elona lifanelekileyo kubaxhasi-mali bexesha elide ngokunyamezela okukhulu kwengozi. Umlinganiselo weendleko ze-FMEIX uphantsi kwe-0.16% kwaye ubuncinane bokuthengwa kokuqala ngu-$ 2,500.
Iimali eziNgcono zoBungqina: iiNgxowa eziLinganisiweyo
Ulwabiwo-mali olulinganisiweyo kwi-stock of stocks, iibhondi kunye nemali, ngoko ke i-moniker "elungeleleneyo". Bangakwazi ukukhetha ukukhetha utyalo-mali kubafakeli-zimali abafuna ukutshala imali kwi-fund eyodwa okanye abo bangathanda ukubamba iqhosha elibalulekileyo ekwakheni.
- Ukuthembeka okulinganayo (i-FBALX): Le ngxowa-mali eyimodareyitha, oku kuthetha ukuba abanini-zimali be-FBALX baya kufumana isabelo sempahla esicwangcisiweyo esicatshulwa kwi-stocks and third-bonds. Nangona lo mxube ungumngcipheko ophantsi kunokuba iphothifoliyo yamasheya angama-100%, ukubuyiswa kwexesha elide kuye kwasondele kwinto omele ulindelwe kuyo imali ye-stock purity. Ekubeni ingxowa-mali iqalile ngaphezu kweminyaka engama-30 edlulileyo, i-FBALX ibeke umyinge wezinga lokubuya malunga ne-9%. Umlinganiselo weendleko ze-FBALX ngowama-0.56% kwaye ubuncinci bokuthenga okokuqala ngu-$ 2,500.
- Ingeniso yeNtembelelo yeNkululeko (FFFAX): Le ngxowa enye yeengxowa "zenkululeko" esuka kwi-Fidelity kwaye yona nto iyalondolozwa kakhulu kwiqela. Injongo yokubonelela ngengeniso ngelixa igcina inqununu. Ngako oko i-fund iyona ifanelekileyo kubatyalomali abanomdla wokugcina izinto abanayo kunokunyusa ibhalansi yabo. Umlinganiselo weendleko zeFFFAX ngu-0.49% kwaye ubuncinci bokuthenga kuqala ngu-$ 2,500.
- I-Capital Trust & Income (FAGIX): Le ngxowa-yeenkwenkwezi ezi-5 inokufezekisa kokubili ukukhula kunye neengeniso zemali yokutyalwa ngokulinganisa i-stock, equka malunga ne-20% ye-portfolio, kunye ne-bond allocation assets, eyi-80% ye-portfolio . Ngoko ke ingozi yemarike iphezulu ngaphezu kwekhredithi yebhondi kodwa iphantsi kwe-fund. Nangona kunjalo iindleko zexesha elide ziye zahlala ziphakamileyo kunezona nkxaso zemali. Umlinganiselo weendleko zeFAGIX ngowama-0.72% kwaye ubuncinci bokuthenga okokuqala ngu-$ 2,500.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.