Iimali zeMualual Fund eziNcedisayo kwiMali yokuThuthukiswa kwamaxabiso
Nangona kungabikho imali edibeneyo yokutyalomali ngqo kwioli, kukho imali ephezulu yokuthenga leyo inokunika abatyali-mali ithuba lokungabonakali kwiinkampani ezinxulumene neoli.
Ngamazwi ahlukeneyo, abatyali-mali bangafumana ukuchithwa ngqo kweoli kunye nemali kunye kunye nenzuzo njengoko amaxabiso eoli aphakama ngexesha.
Iintlobo zeeNgxowa ezigqwesileyo kwiNzuzo yeOyile
Kukho iintlobo ezimbini eziphambili zeemali ezidibeneyo ezinokulungelelaniswa okuphawulekayo ekuhambeni kwintengo yeoli. Ngokomzekelo, ukuba unomuvo wokuthi ixabiso leoli liza kuhamba phezulu, mhlawumbi kwixesha elifutshane okanye ekuhambeni kwexesha, kwaye ufuna ukuwasebenzisa ngokunokwenzeka loo mandla kunye nemali yokubambisana, ungenza njalo ngezimali ezininzi zokulingana kwamandla. kwaye ezinye zikhetha iimali zendalo zemithombo.
Ukuba ufuna ukukhutshwa okuphezulu, okanye ulungelelaniso oluphezulu, kwintengo yeoli, ungaphinda ufune ukuqwalasela ukusebenzisa ii-ETF zeemveliso .
Misela nje, ukuba ufuna ukufumana i-oyile, kukho iindlela ezininzi zokwenza. Kodwa zeziphi iimali ezidityanisiweyo zokuthengisa imali kwiinkampani ezinxulumene neoli?
Ngaloo mva engqondweni, sigxininisa imali edibeneyo ye-10 kwiintlobo ezintathu ezahlukileyo ezinokuzuza kwixabiso lexabiso leoli.
Kulungile, siya kufaka kuphela imali ehambelana neoli engekho-mthwalo kwaye ininzi ineendleko eziphantsi kweendleko zoluhlu.
I-Equity Equity Energy Mutual Funds kwiNzuzo yoTywala
Amanani e-oyile angabonakali kwaye abanye abatyali-mali abanakho ukufuna ukufumana ngokupheleleyo ukuthengiswa kwempahla kodwa ukunyanzeliswa ngokulinganiselayo ngemali yamandla e-equity, ezibizwa ngokuba yimali yecandelo lezamandla .
Ngokomzekelo, ezininzi iimali zamandla ezityalomali kwiimashishini ezinxulumene neoli ezibandakanyekayo ekuveliseni nasekuhambiseni amandla, kuquka iinkampani zeoli, iinkampani zombane, umoya kunye namandla okukhanya kwelanga , kunye noshishino lwamalahle. Imizekelo yamashishini yamandla afaka phakathi i-Exxon Mobil (i-XOM), i-Haliburton (HAL), kunye ne-Southwestern Energy Company (SWN).
Kukho necandelo elincinci leemali zamandla okhethekileyo otyalo-mali kwiintsebenziswano ezincinci, okanye ii- MLP . Njengempahla yokutsalwa kwe-real estate, okanye ii-REIT, ii-MLP "zigqithisa" izithuthi zotyalo-mali ezingahlawuli irhafu kwinqanaba lemali kodwa zifuneka ukuba zihlawulele ininzi yengeniso yazo yangoku kubatyalomali. Ngoko umlinganiselo ophambili kukuba, endaweni yokutshala imali kwi-estate, ii-MLPs zityale kakhulu kwiimpahla zamandla (ioli kunye negesi).
Ngoku makhe sijonge kwezinye zezona zixhobo eziphezulu zamandla ombane:
- I-Vanguard Energy (VGENX): Le ngxowa-mali yamandla e-Vanguard inikezela ngokubanzi kwiinkqubo zamandla ngamashishini angaphezulu kwama-135, njengamaziko angaphezulu kwe-XOM, i-Chevron (i-CVX) kunye neeNkonzo zoPhuhliso (PIONF). Nangona ezinye iigesi zegesi zamandla zingabandakanya ezinye izitokhwe zeenkampani ngaphandle kwecandelo lamandla, i-VGENX igxile kuphela kwimpahla yamandla. Oku kugxininiso olucocekileyo kwenza i-VGENX ibe yinto ekhethekileyo kubachalo-mali abafuna ukugqithiswa ngokupheleleyo kumandla. Oku kugxininiswa okuncinci kunokwenza ukuba imali leyo ibe yinto engathandekiyo kwiimarike ngokubanzi kodwa yimiba yemali yecandelo - ukufumana ithuba kwicandelo elinye, nangona isabelo se-asethi esincinane kwi-portfoliyo. I-VGENX inexabiso eliphantsi lentlawulo ye-0.41 yeepesenti, okanye i-$ 41 nganye i-$ 10,000 etyalomali, kwaye ubuncinci bokuthenga kuqala ngu-$ 3,000.
- Ukuthembeka Ukukhetha Amandla (i-FSENX): Ukuba ufuna ukunyanzeliswa okunzima kwimpahla yamandla, i-FSENX ingaba yinto ekhethekileyo. Amaphesenti angaphezu kwe-50 yeempahla zepotfoliyo zizonke zabelwe kwii-ten holdings, eziquka i-CVX, i-XOM kunye ne-EOG Resources (EOG). Iphothifoliyo inamalungu angaba ngu-75, ngokuqhelekileyo ubuncinane ubuncinane bama-80 ekhulwini. Ukubuya kweembali, ngokukodwa ixesha elide, i-FSENX ibeka ngokukhawuleza kwisigxina sesithathu semali kwicandelo lamandla. Umlinganiselo weendleko ze-FSENX yi-0.79 yepesenti kwaye ubuncinci bokutshala imali ngu-$ 2,500.
I-Cavanal Hill World Energy (APWEX): Abatyalo-mali abafuna i-fund ye-energy egxininiswe ngokufanelekileyo bayayiqwalasela i-APWEX. Nangona kungekhona igama lomndeni i-Cavanal Hill yinkampani yokuxhasana kunye neengxowa-mali ezikholelwa ukuba, "ngamazwi abo," zinokuba zizama ukunciphisa i-downside. Ngokungafani neemali zamandla eziqhelekileyo, i-APWEX itshabalala ngokubambisana kwamashishini ase-US nakwamasheya angaphandle kwaye idibanisa izibophelelo (malunga neepesenti ezingama-5 zexabiso) kumxube. Nangona le ngxowa-mali iye kuphela kwiimarike ukususela ngo-2014, sele ifumene i -star-star rating ukusuka kwi-Morningstar . Iindleko ze-APWEX zilinganiselwe kwicandelo lezandla zamandla kwi-1,20 yepesenti kwaye ubuncinci bokutsalwa kwezobalo-mali bokuqala ukufumana imali eyi-$ 100.
I-Oppenheimer Steelpath MLP Khetha 40 (MLPTX): Ubambiswano obuncinane, okanye i-MLP, imali evela kwi-Oppenheimer igxininisa ubuninzi beempahla zeengxowa-mali kwiintsebenziswano ezincinci ezibandakanyeka ekuthuthweni kwepetroleum kunye neepetroli zendalo. Ukusebenza kwe-MLP kungabonakali kwaye isakhiwo sabo, njengoko kukhankanywe ngaphambili kweli nqaku, kunzima. Ngoko abatyali-mali bacinga ukuthenga le mali kufuneka benze umsebenzi wesikolo oqaqambileyo kunokuqhelekileyo ngaphambi kokuthenga. Ngaloo nto yathi, ii-MLPs mhlawumbi zilungele ukuba abatyali-mali bafune isivuno esiphezulu, kaninzi ngokuphakamileyo kuma-7 ekhulwini okanye ngaphezulu. Kananjalo ukulinganiswa kweendleko zeemali ze-MLP kunokuba nzima. Umzekelo, umlinganiselo weendleko ze-MLPTX yi-4.66 pesenti, ephezulu kakhulu. Nangona kunjalo i-fund ibuyisela imirhumo, apho iindleko zetyala zi-1 ekhulwini okanye ngaphantsi. Kwakhona, yenza umsebenzi wesikolo waseMLPTX kunye nezinye iimali ze-MLP ngaphambi kokutyalomali! Zingaba zixhobo ezinkulu xa zisetyenziswe ngokuchanekileyo.
Iimali eziNgcono zeMithombo yeNdalo kwiNzuzo yeOyile
Imithombo yendalo yinkcazo ebanzi kwiimveliso ezisekelwe kwimveliso njengamashishini, amachiza, amaminerali kunye nemveliso yehlathi e-US okanye ngaphandle kwe-US Kwiluhlu lwethu lwemali yolondolozo lwendalo, siya kubandakanya ezo zindleko eziphantsi, akukho ukulayishwa kwemilinganiselo ephezulu ukuya kwi-intanethi yezinto ezinxulumene neoli kunye neyezinye iimali zendalo.
- I-Fidelity Global Commodity (FFGCX): Le ngxowa-mali yemithombo yobutyebi esuka kwi-Fidelity igxininisa malunga neyesithathu sezinto eziphathekayo kwii-stock sector, njenge-CVX, i-Total SA (TOT) kunye ne-Anadarko Petroleum Corp (APC). Ukufikelela kwehlabathi jikelele kwiFFGCX kunokunikela ngokubanzi ngokuthelekisa ngokumalunga nemali yemithombo yemvelo ejolise kuphela kummandla weNyakatho Melika. Iindleko zeFFGCX zingama-1,13 ekhulwini kwaye inani elincinci lokuthenga lokuqala li-$ 2,500.
- I-T. Rowe Intengo I-Era entsha (i-PRNEX): Ukuba ukhangele i-fund yeendleko eziphantsi ezinikela ngaphezu kwe-average-exposure to industries ehlobene neoli. Iphothifoliyo inamasheya angaba ngu-120, malunga neyesibini kwisithathu kuba iinkampani zase-US kunye neyesithathu kwezilwandle. Amaphesenti angaphezu kwe-40 ephothifoliyo anama-stock sector stocks kwaye i-capital expenditure isasazeka kuwo wonke amancinci, ama-mid Umlinganiselo weendleko ze-PRNEX ngowama-0.67 ekhulwini kwaye ubuncinane bokutsha-mali bokuqala ukuvula i-akhawunti yi-$ 2,500.
- I-Global Global Energy kunye neNkxaso yeMithombo yeMvelo (UMESX): Inkxaso-mali yemvelo eyenziwe yi-Columbia ThreadNeedle Investments ithatha phantse ama-60 e-stock energy, okuphantse iphindwe kabini ukuchazwa kwecandelo lamandla xa kuthelekiswa neontanga. Iindleko ze-1.10 ekhulwini zincinane ngaphezu komyinge othelekiswa noontanga lontanga kodwa umgangatho ongezantsi ungaphantsi kwexesha elide unokubaluleka. Abatyalomali baqwalasela i-UMESX kufuneka bahlale bekhumbula ukuba i-fund ifikeleleke kwaye iyafumaneka kwiqela elikhethiweyo lokunxibelelwano lweeNtengiso, eyona nto iyona nto inokuthembeka, iStratrade ne-Etrade. Ukuthenga ubuncinane bokuqala kwe-UMESX yi-$ 2,000.
Kwinqaku lokugqibela kunye nesishwankathelo, iimali zecandelo zingasetyenziselwa ngokuhlakanipha njengamathuluzi okungafani kodwa ulwabiwo olubanzi kwicandelo elinye, njengamandla, lengozi ngokusemthethweni. Ukunyanzeliswa kwecandelo kubatyali-mali abaninzi bacetyiswa ukuba bangabi ngaphezu kwama-5 ukuya kweepesenti ezili-10 zeempahla zepotfolio.
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.