Ngaba kufuneka uthenge kwaye ubambe ii-Mutual Funds?
Umgudu wokuba ne-Mutual Fund # 1: Kukho iinqununu ezininzi
"Into eninzi into enhle" yintetho ininzi lethu esinokuyiqonda ngandlela-thile. Ukuba ungumtyalomali- mali- mali, ngokuqinisekileyo unokunxulumana nale binzana elisetyenzisiweyo.
Kwaye, ngelishwa, akuyiyo yonke le mali mali "izinto ezilungileyo".
Ukuhamba ngeentlobo ezahlukeneyo zeemali kwiimarike kunokukhokelela abanye abatyalo-mali ukuba bangathathi imali okanye bakhethe enye indlela engafanelekanga, ekuthi, ngokweminye uphando, "ayiyi kulungelelaniswa nenkqubela yabo yexesha elide."
Xa abatyali-mali bejongene nokukhethwa kwinqununu, okanye yiziphi iinjongo zengcali ezibizayo ezibizayo, ziyabona ukuba zininzi izikhetho zemali, zenze kube nzima ukwenza izigqibo zotyalo-mali.
Umgudu wokuba ne-Mutual Fund # 2: Umsebenzi oDlulileyo awulindelekanga ukusebenza kwangomso
Kungakhathaliseki ukuba wenza ntoni uphando lwakho kunye / okanye nayiphi na iiprojekthi zeengcebiso zomxhaso, ukusebenza kwexesha elidlulileyo kweemali zakho zombini akuyona ingqiqo yokubuyiswa kwexesha elizayo. Ukuba ngaba yingxowa-mali ye- equity , isikhwama sesigqeba okanye isikhwama esilungeleleneyo, ukusebenza kwangomso kunokuba kungathandeki kwaye akuhambelani nokusebenza kwangaphambili.
Funda iingcebiso ezivela kuJohn Bogle malunga nokusebenza kwangaphambili: Ukutyelelwa kuJohn Bogle
Ingxowa yoKwakheka kweNgxowa-mali ye-Mutual # 3: Ukubuya kweNqununu akuqinisekisiweyo
Ngokukhawuleza xa uyamkela ukuba awukwazi ukuqikelela ukusebenza kwexesha elizayo leemali zakho zokubambisana ngokukhangela ukusebenza kwangaphambili, lixesha lokuvuma ukuba ukubuyiswa kwe-100% yentlawulo yakho yasekuqaleni ayiqinisekanga.
Ngamanye amagama, ukuba utyalise imali eyi-$ 1,000 yemali yakho eyimali enzima kwingxowa-mali, akukho siqinisekiso sokuba i-$ 1,000 yakho iya kufumaneka kuwe xa uyayidinga.
Iimali zengxowa-mali aziyinto engafanelekanga kule nqongophiso yesiqinisekiso. I-ETF, iimali zokuvala ezivaliweyo kunye nee- UIT azikwazi ukuthembisa ukubuyiswa kwe-100% yinqununu.
Umgudu wokuba i-Fund ye-Mutual Fund # 4: Uphando oluqhubekayo lufunekayo
Kuya kuba mnandi ukuba uthenge i-fund kunye kwaye ubambe ingxowa-mali. Nangona ezinye iimali (ucinga ngemali yosuku olujoliswe kuzo ) zenzelwe ukuba ziqhutywe kulo lonke ixesha lokuphila kwakho, akunangqiqo ukulindela ukuba iphrofayili yakho yokutshala imali (iimfuno kunye neenjongo) ziya kuhlala zifana. Kwakhona akunakwenzeka ukuba i-fund yakho oyithengayo iya kuhlala isilingana ngonaphakade (umzekelo, abaphathi batshintshile, iindlela zokutsalwa kweefestile , iimali ziyadibanisa okanye zithengiswa kwezinye iifenki zemali).
Olu tshintsho oluthile kwimpilo yomtyalomali kunye noshintsho phakathi kweemali zentsebenziswano kufuna ukuba sonke sizinikele ekuqhubeni uphando oluqhubekayo.
Gwema i-Conserv of Owning Funds
Kubalulekile ukuqonda iingxaki zokuba neengxowa-mali ezidibeneyo ngaphambi kokuthatha isigqibo sokwenza imali. Ngaphambi kokuba utyalomali kwingxowa-mali , funda indlela ongayiphephela ngayo imiqobo . Kwaye kunye naluphi na isigqibo somntu siqu, qiniseka ukuba ukuthenga iimali ezihambelanayo kuhambisana neenjongo zakho, ukunyamezela ingozi , kunye neenjongo zotyalo-mali.