Yazi Imali Yakho Ngaphambi kokuba Utyalole
Kodwa ukucacisa ihlabathi leemali akudingeki ukuba zifunwe iinyanga, uvumeleke amava eemarike. Xa uthatha ugweba lwakho lokuqala ekudambiseni i-fund ye-fund, khumbula ukuba ixesha eliphambili leengcambu liye lifana ne "apple" (kungekhona isitokisi, ingqondweni yakho).
Oko kukuthi: Iimali ziza kwiindidi ezininzi. Kwaye kwimeko ezininzi, zimela utyalo-mali otyityiweyo, i-portfolio epheleleyo ye-investment, okanye kaninzi.
Apha sibheka kwiintlobo ezahlukeneyo zeemali kunye nemigomo yesikhwama onokuyisebenzisa ukuzalisa ibhasikidi yakho okanye uthabathe ukungena kuyo ukuba izibonelelo zakho kunye nokunyamezela kokunyamezela ingozi zikhulu. Njengokuba kulandelelwano olubanzi lweentlobo-mali, ukufumana uhlobo olufanelekileyo lwe-fund kuxhomekeke kwiinjongo zakho-nokuba ngaba ngumjelo wokufumana umhlala-phantsi, ukufumana indawo engenazo umngcipheko ukugcina imali ngexesha okanye ukuxhasa isizathu esinokubakhathalela xa usenza ngeniso.
Ezinye zeemali esizijonga apha zimela utyalo-mali lwabiwo-bucala, abanye abantu bakarhulumente: Mhlawumbi yilapho i-old cliche malunga ne "apula kunye nee-orangesi" zingena. Ngokubhekisele ukuba ngaba ezo zimbini zityalo zineengxowa-mali zokutshala imali, ibali lemarike elinye ixesha.
Iimali ezilinganisiweyo
Kwakhona kubhekiswe njengemali ye-hybrid, igama elithi "ibhalansi" libhekiselele kwiintlobo zotyalo-mali ezibanjelwe: iifotyi kunye neebhondi.
Oko ngokuqhelekileyo kubhekisela kumalunga alinganayo, njengokuba isisindo esifanelekileyo seengxowa-mali ezilinganisiweyo zi-60% zeempahla kunye nama-40 ekhulwini. Ukuba iqela lesithathu lingena emfanekisweni, lidla ngokuba yingxowa-mali yemarike yemali (jonga ngezantsi).
Iingxowa-mali eziThengisiweyo
Eyaziwayo kwiYunivesithi ngokwempawu zazo, ii-ETF ziyimfihlo elandelwayo impahla, i-asethi yeqela (njenge-index index) okanye inkcazo ekhoyo ye-stocks (njenge-Standard & Poor's 500).
Ithengisa njengempahla kwisitshintshiso kwaye ihamba ngexabiso lentengo imihla ngemihla njengoko ii-ETF zithengwa kwaye zithengiswa. Ukuze ufunde ukuba yintoni inkcazo yemali, qhubeka ufunda ...
IiFund Income Fund
Ngokukodwa kulabo bahlala kwiminyaka yobudala okanye emfutshane, ezi mali zenzelwe ukunikezela izinga lokubuyisela (kwaye ngoko kufana noko kwaziwa ngokuba yi-annuity fixed). Iimpawu eziqhelekileyo zeengxowa-mali ezifumanekayo, ukwenzela ukwanda kwezinga lokubeka ingozi, zibandakanya amabhondi karhulumente, izibophelelo zoshishino-mali kunye nezibophelelo eziphezulu.
Fund of Funds
Ingxowa yemali yinqwelo-mali yokutyalomali yayiyizixhobo ezahlukileyo ziyimali ngokwazo. Ukuxhamla koku kuhamba ngokukhawuleza: nganye idola iyasasaza kwiibanzi ezibanzi ngokubanzi ngokukhawuleza.
UMphathi weFund
Umphathi wemali olawula isicwangciso sotyalo kunye nemisebenzi yokurhweba yesikhwama kunye neembalo eziqhelekileyo ezinobundlobongela. Laba baphathi bahlawulwa ipesenteji yenani lempahla ekhoyo kwingxowa-mali. Enye yezona zidumileyo nguPeter Lynch. Kwimeko yakhe kunye ne-Fidelity Magellan Fund ukususela ngo-1977 ukuya ku-1990, uLynch waphatha enye yezona mali ziphumelele kakhulu.
Imali yeheji
Iimali ze-Hedge zigcinwe kubathengi abanamava afana namaziko okanye abatyebi abanabantu abanetyala elingaphezu kwe-1 million.
Imali etyalomali kwi-fund ye-hedge kufuneka ihlale khona okungenani ngonyaka okanye ngaphezulu, kwaye imali ngokwabo ihlala isebenzisa isicwangciso esinobungozi njengokuba isebenzisa imali ebolekelwe ukutyalomali.
Index Fund
Njengoko igama lichaza, le ngxowa-mali iqulethe iifowuni eziphambili kwi-index ethile, njenge-S & P 500. Injongo yenkcazo yeengxowa-mali kukulandela ukuhamba kwencwadana ngokubanzi-ngoko ukuba i-S & P 500 iyakhuphuka, i-fund index kufuneka ikhuphuke kwakhona. I-Ditto xa kuthengiswa iimarike, kutheni abatyali-mali bafuna ukubheka ukuhlala kwixesha elide ngokuchasene nexesha elifutshane.
Imali yeMali yeMakethe
Cinga ngesikhwama semarike yemali njengendawo ephephile, indawo yesikhashana ukubeka ipaka yakho. Ezi ziphantsi kobuncipheko, ukutshalwa kwezimali okuphantsi-mali apho izabelo zihlala zixabisa i-$ 1, kwaye apho indawo yentlalo-nzala ephantsi isetyenziselwe ukubuyela kwenzalo kubalimi-mali.
(Nokuba iileyibhile "umtyalomali" kufuneka isetyenziswe ngokukhawuleza, kuba i-fund efanayo iyasebenza njengendawo yokugcina imali engaphantsi kwebhanki yebhanki yendabuko.) Ngo-2016, iakhawunti ephezulu yokuthengisa imali ingavuna i-1 pesenti inzala.
Mutual Fund
Ngale ngxowa-mali, uqokelelwe "ngabathengi" ngokubamba iqoqo leempahla, iibhondi, i-real estate okanye ezinye iziqinisekiso. Iimali zengxowa-mali ziqhutywe ngokufanelekileyo kwaye abatyali-mali banako ukuhlawula iimbopheleleko zabo nganoma naliphi ixesha. Eminye imizekelo ebhalwe kuloluhlu (kubandakanywa iimali ezizodwa kunye neengxowa-mali ezilinganisiweyo) ziqwalaselwa njengemali.
Uchungechunge lweeNgxowa
Umlinganiselo omnye kubasomashishini. Uchungechunge A lubhekiselele kumjikelezo wokuqala wotyalo-mali lwentengo inkampani entsha eyayifumanayo. Yindlela eqhelekileyo yokuqalisa i-techtups ukunyusa imizamo yabo, kwaye idla ngokuphumelela ngekota yesibili ebizwa-uqikelele i-Series B.
INgxowa-mali
Ezi ngxowa-mali zijolise ekugxininiswe kwiinkalo ezincinci ngokusekelwe kwiminqweno ethile okanye ukukhathazeka. Le nto ingaba yingxowa-mali yoluntu, umzekelo, okanye omnye ozinikezele kwisizathu esinjengamanzi acocekileyo okusela. Baya kufuthi baphephe amacandelo athile, ukusuka kwimveliso yotywala ukuya kumashishini asebhamu.
Iimali zeThagethi-Date
Le mali ihlanganiswe "nomhla ojoliswe kuwo" xa umtyalo-mali echitha utyalo-mali, odla ngokumisela umhlalaphantsi okanye ukungena komntwana ekolishi. Ngokuqhelekileyo, izicwangciso zokutyalomali zale mali zifumana ukongamela ngakumbi njengoko kujoliswe kuyo.