5 Iimali eziMnandi zaseMelika

Ezi ziMali zeMerika zineyona ndlela enhle kakhulu yokwenza kakuhle ngexesha elide

Intsapho yaseMelika yeengxowa-mali zihlangane kunye enye yezona zikhulu kwihlabathi. Iimali zabo zithengiswa ngokukodwa ngabathengisi kwaye zivame ukufumaneka kwi-401 (k) ziceba zonke i-US

Ezinye zeempawu ezilungileyo kakhulu zaseMelika kukuba zilawulwa yiqela, zinexabiso elingaphantsi kwamaxabiso, kwaye zidla ngokuba ngabadlali abaphezulu, ngokukodwa kwixesha elide elifana neminyaka eyi-10.

Ngenxa yoko iimali zaseMelika zikhetha ukhetho olufanelekileyo kubaxhasi-mali bexesha elide, njengalezo zokugcina umhlalaphantsi.

Ngaloo nto engqondweni, akukho myalelo othile, ndikunika ...

Iimali ezi-5 ezilungileyo zeMelika zokuBamba ixesha elide

1. I-American Funds Growth Fund yaseMelika (AGTHX) : Njengoko igama libonisa, i-AGTHX igxininisa kakhulu kwizikhokelo zokukhula ezinkulu njenge-Amazon (AMZN) kunye ne-Alphabet (GOOG). Nangona kunjalo i-AGTHX isoloko ibambelela kwi-10% ezithengiswayo zangaphandle, ezinokuthi zikhulise imbuyekezo ngamanye amaxesha kodwa inokukhupha imbuyekezo. I-AGTHX ithambekele ekugqibeleni kwixesha elide, nangona kunjalo, ngakumbi kwixesha elide ukuya kwi-15 iminyaka okanye ngaphezulu. Ngamaxesha amancinci, i-AGTHX iya kuba yinto eguquguqukayo kumyinge ophakathi kodwa lo mgangatho omhle onjenge-index index.
2. Iimali zeMali eziMali zaseMelika (i-ANCFX) : Le ngxowa-mali ihlelwa yi-Morningstar njenge "mxube omkhulu," oku kuthetha ukuba ithengisa ukuxuba kunye nokuxabisa iitokhwe ezinkulu. Ngako oko uya kufumana i-stock holdings njenge-Microsoft (MSFT) kunye ne-Home Depot (HD). Intsebenzo ye-ANCFX iyashintsha kodwa enye yezona ziqhube kakuhle kwiimali zeMelika. Iminyaka eyi-10 kunye ne-15 yokubuyiselwa kwe-ANCFX sele ikhuphe i-80% okanye ngaphezulu kwezinye iindleko ezinkulu zokuxuba.

1. Iimali zeMelika I-Smallcap World (SMCWX) : Le ngxowa yiNgxowa- mali ye- World Stock , oku kuthetha ukuba iya kutyalomali kwiimpahla ze-US kunye nakwamasheya angaphandle. I-SMCWX iphinda igxininise ukugcinwa kwayo kwizinto ezincinci, ezifaka ingozi enkulu emakethe xa kuthelekiswa nezitokisi ezinkulu kodwa iimbuyekezo zangexesha elide zinokuba ziphakamileyo, yinto enje nge-SMCWX.

1. Iimali zeMelika Ii-EuroPacific Growth (AEPGX) : Le ngxowa yenye yezinto ezimbalwa zeemali zengxowa-mali zangaphandle ezinikezwa kwiimali zeMelika kwaye enye yazo eyona nto ihamba phambili. I-AEPGX igxininisa ngokubanzi kwiitokhwe ezinkulu ze-stocks ngaphandle kwe-US exposure zone ijolise kwiimarike ezikhulayo zaseAsia naseYurophu. I-AEPGX ngumnye umzekelo weemali zaseMelika ezingabonakali ngokukodwa kwinqanaba labo kodwa zihlala zivelisa ukubuyisela okuphezulu, ngokukodwa kwixesha elide.
2. I-American Funds Investment Inkampani yaseMelika (i-AIVSX) : Le ngenye i-fund-blend fund efana ne-ANCFX kwaye enye enye kwi-American Funds lineup esebenzayo. I-AIVSX inqabile ukuba ibambe ubuncinane ngaphantsi kwama-90% ezitokisini zasekhaya kwaye ezininzi ziinkampani ezinkulu ezifana neVerizon (VZ) kunye noFilip Morris (PM).

Zonke ezi ntlanu zeMali zaseMelika ziyimali ehamba phambili, oku kuthetha ukuba bahlawula intlawulo, ngokuqhelekileyo ku-5.00% ukuya ku-5.75%, xa kuthengwa izabelo. Iimali zaseMelika nazo zinezinye iiklasi zezabelo eziye zikhuphe umthwalo.

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.