Izinyathelo ezilula zokuTyala imali
Ingaba ungumtyalo-zimali oqala okanye ingcali, kukho iingcebiso ezi-5 ezilula zokuthenga iimali.
1. Qinisekisa: Yenza Yakho okanye Usetyenzise Umcebisi
Ukuba awuyi-investor isicwangciso sakho sokuqala siya kuba isigqibo sokuba ufuna ukuphanda, ukurhweba nokulawula utyalo lwakho okanye ukuba ufuna ukuqesha umcebisi .
Awudingi ukuba ngumcebisi-mali okanye umthengisi wokuthenga imali ukuze uthenge iimali zentsebenziswano, ngokukodwa ukuba iimfuno zakho zotyalo-mali zilula kwaye ujabulela ukwenza izinto ngokwakho. Nangona kunjalo, unokuba unomdla kwimpundaniselo yesikhwama somthetho okanye ukwenza nayiphi na imisebenzi yokulandelelana, njengokwenziwa komsebenzi wokubeka esweni, ukuhlaziya kwakhona iinjongo kunye nokuthenga imali engaphezulu. Ukuba uyenza ngokwakho, unokufuna ukuvula i-akhawunti kwi-intanethi ye-joint vent fund, efana neVanguard, iTrust okanye iT. Rowe Price okanye ungathanda ukusebenzisa umthengisi wezaphulelo, njengoCharles Schwab okanye iStratrade.
2. Funda indlela yokwakha i-Portfolio ye-Mutual Funds
Ngaphambi kokuba uqale uphando kunye nokuthengwa kwezabelo zeemali ezifanayo, kufuneka wenze umsebenzi wesikolo sakho kunye nendlela yokwakha iphothifoliyo . Izicwangciso zeenkomfa kunye neeyure zokulungiselela akudingekile ukuthenga iimali ezixhasayo kodwa uya kufuneka ukuba ube nesicwangciso esithile, injongo okanye umgomo engqondweni ngaphambi kokuthenga i-fund (s).
Ubuncinane, kuya kufuneka uhlolisise ukunyamezela kwengxaki yakho - ukuba uzive njani ngomngcipheko kunye nokutyalomali - kwaye uya kufuneka ukwazi i-siseko ye- asethi eyabelwe - njani ukumisela umxube omhle weentlobo zeefundum injongo yokutyalo okanye yokulondoloza. Xa unesiseko sotyalo-mali, unokuqalisa inkqubo yokukhetha imali.
3. Khetha uhlobo lwe-Mutual Fund okanye iCandelo
Ngoku ulungele ukukhetha iintlobo zeengxowa-mali ezingcono kwiimfuno zakho zotyalo-mali. Yiyo apho abaninzi abatyalo-mali, abaqalayo kunye nabaqeqeshi ngokufanayo, bathambekele ekulahlekeni okanye bengathandeki kwinkqubo yokukhetha imali. Ngokuxhomekeka kwiimfuno zakho, okanye ukuba uqala nje kunye ne-first fund yakho, ungase ufune ukugcina izinto ezilula nge- S & P 500 Index Index, isikhwama somhlala-phantsi somhla we-target okanye i- fund efanelekileyo . Emva kokuba iphothifoliyo yakho ikhula kakhulu kwaye ufunda imiba yeqhinga leephotofoliyo oya kuyidinga ukuyidibanisa ngokusasaza ingozi kwiinkalo ezininzi zeengxowa-mali.
4. Funda ukuhlalutya i-Mutual Fund
Xa uhlalutya imali yeemali, kukho okungakumbi ukwazi ngaphezu kokusebenza kwimbali. Kukho ezinye izinto ezibalulekileyo, ezifana nomlinganiselo wokubuyiswa kwemali, umlinganiselo weendleko , ukugcinwa kwemphathi kunye nokusebenza kakuhle kwerhafu ukuhlalutya nokuthelekisa ngaphambi kokuthenga i-fund. Ukuba sele sele uzimisele ukusebenzisa imali yenkcazo , enokubakho ukhetho olukhethekileyo kubatyalimi abaninzi, inkqubo yokuhlalutya ayifanelekanga. Kule meko, unokufuna ukuvula i-akhawunti kwi- Vanguard Investments , apho uza kufumana ukhetho oluhle ngokubanzi lwemali yenkcazo kunye nee- ETs ezifumaneka kwindawo enye yengxowa-mali.
5. Sebenzisa i-Mutual Fund Research Tool
Xa uphando kunye nokuhlalutya imali, uxhomekeke ekusebenziseni izixhobo ezifanelekileyo zokukwenza umsebenzi.
Kukho amawaka eemali ezidibeneyo kummandla wendalo-mali kodwa ziindawo ezimbalwa kuphela. Emva kokuba wazi ukuba zeziphi izinto ezibaluleke kakhulu kuwe, iwebhusayithi ye- intanethi yocwaningo lwe-fund , njenge-Morningstar okanye i-Lipper, inokukunceda ngokukhawuleza ukuba ufumane ingxowa-mali ehambelana nezidingo zakho.
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.