Ngaba kukho ukungabikho kwamathuba e-Mutual Funds?
Ngokuqinisekileyo, umsebenzi wakho wesikolo uya kukukhokelela kumanqaku achaza ukungalungi kwemali. Kodwa ngaba zonke ezo zinto kuthiwa ziyiziphumo zokungabikho kweemali eziphathekayo ngokwenene ezidityanisiweyo zemali?
Makhe sijonge kwizinto eziliqela ezibizwa ngokuba yizinto ezilahlekileyo zengxowa-mali, kunye nendlela onokuziphepha ngayo.
Iingxaki 1: Iimali zeMualuals ziMali efihliweyo
Ukuba iimali zifihliwe, loo ntlawulo efihliweyo iya kuba yoluhlu lwezinto ezingabonakaliyo zeemali ezihlangeneyo. Iimali ezifihliweyo eziliwayo zibhekiswe ngokufanelekileyo njenge-12b-1 imirhumo. Nangona le mirhumo ye-12b-1 ayimnandi ukuhlawula, ayifihliwe. Intlawulo ibhengezwe kwi- prospectus ye- fund kunye kwaye ingafumaneka kwiindawo ze-intanethi zemali. Iingxowa-mali ezininzi zetyala azihlawulisi umrhumo we-12b-1. Ukuba ufumana umrhumo we-12b-1 onerous, faka imali kwingxowa-mali engabhataleli intlawulo. Imirhumo efihliweyo ayikwazi ukwenza uluhlu lwezinto ezingabonakaliyo ngeemali zengxowa-mali ngenxa yokuba azifihliweyo kwaye kukho amawaka eemali ezidibeneyo ezingahlawulanga iimali ezi-12b-1.
Umonakalo wesi-2: Iimali zeMualual Not Including Liquidity
Ungakhawuleza njani ukufumana imali yakho xa uthengisa i-fund efanayo xa kuthelekiswa ne-ETFs, iimali kunye neemali zokugqibela ezivaliweyo?
Ukuba uthengisa i-fund, uxhomekeke kwimali yakho ngosuku emva kokuthengiswa. I-ETF, iimali kunye neemali ezivaliweyo zokugqibela zifuna ukuba ulinde iintsuku ezintathu emva kokuba uthengise utyalo-mali. Ndiza kubiza "ukungabi nako kwamanzi" ukungonakali kweengxowa-mali zombini. Unokufumana kuphela ukuthengwa kwemali xa utyalomayo kwigumbi lakho.
Ukungalungi 3: Iintlawulo zeMualuals ziye zineziThamo eziPhezulu zokuThengisa
Ngaba ixabiso lokuthengisa kufuneka lifakwe kwiimeko ezingalunganga zoluhlu lwemali? Kunzima ukuthethelela ukuhlawula ihlawuliso yokuthengisa xa unemali yeemali ezihlanganyelweyo. Kodwa, kwakhona, kunzima ukuthetha ukuba ixabiso lokuthengisa liyi-disadvantage yamashishini athile xa unamawaka eenketho zengxowa-mali ezingenayo iindleko zokuthengisa. Iindleko zentengiso zininzi kakhulu ukuba zifakwe kwiluhlu lwam izibonelelo eziphathekayo.
Ukungalungi 4: Iimali zeMualual and Poor Trade Execution
Ukuba uthengisa okanye uthengisa i-fund, uxanduva luya kwenzeka ekupheleni kwemarike kungakhathaliseki ukuba wangena njani umyalelo wokuthenga okanye ukuthengisa i-fund. Ndifumana ukuthengiswa kweemali eziphathekayo ukuze kube yinto elula, ingabikho kwengcinezelo yendlela yokwenza imali. Nangona kunjalo, abameli abaninzi kunye nabaxhasi be-ETF baya kubonisa ukuba unokurhweba yonke imihla nge-ETFs. Ukuba unquma ukutshala imali kwi-ETF ngaphezu kweemali ezihlangeneyo kuba i-oda lakho linokuzaliswa ngo-3: 50 ntambama nge-EST kunye ne-ETF kunokufumana amanani ngo-4: 00 ntambama nge-EST ngemali.
Ukungalungi 5: Zonke iiMali zeMualual Fund ziye zakwaMali eziPhambili
Ukuba zonke iimali zethengiselwano zithengisa iimpahla kwaye zigqithise i-capital earnings kumashishini njengesiganeko esihlawulwayo, ngoko siye safumana ophumeleleyo kuludwe lwezinto ezingalunganga zoluhlu lwemali.
Hayi kakuhle, kungekhona zonke iimali ezihlangeneyo zenza igalelo zentengo yonyaka. Iingxowa-mali zentsebenziswano kunye neengxowa-mali eziphathekayo zentlawulo abazenzayo ezi ntlawulo ngonyaka. Ewe, ukuba babe neenzuzo, kufuneka banikeze iimali kubanini-nxaxheba. Nangona kunjalo, imali edibeneyo (kunye neengxelo zenkxaso-mali kunye neengxowa-mali eziphathekayo zentlawulo) ziyimali ephantsi-mali kwaye ayenzi igalelo lentengo ngokubanzi ngonyaka.
Ukongezelela, izicwangciso zomhlala phantsi (IRAs, 401ks, njl. Njl.) Azichaphazelekanga ngemali eyinzuzo. Kukho izicwangciso zokuphepha ukunikezelwa kweentengo ezinkulu ezibandakanya ukuvunwa kwemali yentlawulo kunye nokuthengisa i-fund fund ngaphambi kokusasazwa.
Ngaba kukho ukungaphazamiseki kweMual Funds?
Ngaba kukho ukungalunganga kweemali zentsebenziswano? Ngokuqinisekileyo, kukho ukungalungi kweemali zobudlelwane. Kukho iinzuzo kunye nokungahambi kakuhle kotyalo-mali kwisithuthi ngasinye.
Nangona kunjalo, ukuba ufumana uluhlu lwezinto ezingalunganga zengxowa-mali, zihlolisise into nganye kwoluhlu kwaye ziqaphele ukuba ziyasebenza njengengxaki yeemali kunye okanye ukungahambi kakuhle kweengxowa-mali ezithile (okanye kwizithuthi zotyalo-mali ngokubanzi kungakhathaliseki ukuba isakhiwo).