Amasayithi ama-6 aya kuphando lweeMali zoPhando

Izibonelelo zoPhando kunye nokuhlalutya i-Mutual Funds

Ingaba usebenzisa umcebisi okanye uzenze ngokwakho, ingcinga efanelekileyo yokuba newebhusayithi elula kukukunceda uphando ngemali .

Nangona kukho ubuninzi bezinto eziphathekayo, ezifana newebhsayithi ye-joint fund, ii-prospectus, kunye neengxelo zeemali, ezibonelela ngolwazi ngemali-mali, kukho iindawo ezincinci ekuboneleleni ngeenkcukacha ezingenakulungelelaniswa kunye neenkcukacha phantse zonke iingxowa-mali zohlalutyo iphela.

Ukuba ufuna ukufumana unolwazi oluninzi olufumanekayo kwiimali zentsebenziswano, uya kufuneka uzame enye okanye zonke iisayithi ezingezantsi.

Izixhobo eziPhambili zokuPhando kunye nokuHlaziya iiMali eziManyeneyo

Akukho myalelo othile, nango-6 kwezibonelelo eziphambili zokuphanda kunye nokuhlalutya imali edibeneyo:

1. I-Morningstar ingaba yinkampani yecandelo eliphandle kakhulu lophando lwabathengi ngabanye. Kukho iingxelo zophando ezifanelekileyo, abacuphi beepotifoliyo kunye namanqaku atholakalayo kwisayithi - enye inkokhelo kunye nabanye ngenxa yemali yokubhaliselwa. I-Morningstar iphinda inike uphando kwi-stocks, iiplani ezingama-529 kunye ne-hedge funds. Ukubhaliswa kwe-premium kubandakanya uhlalutyo lweengxowa kunye neengcebiso kunye nokubhaliselwa kwamahhala kufaka ufikelelo kumanqaku amaninzi, iifowuni zeefowuni kunye nokulandelela ukusebenza kwepotfolio.
2. I-Lipper iluncedo kubo bobabini abacebisi beengxowa-mali kunye nabacebisi ngabanye. Iingxowa-mali zokuhlawula iimali ezixhatshazwayo kunye neontanga zabo kwaye zinika umlinganiselo osheshayo ngokumalunga nemitha emihlanu - ukubuya ngokupheleleyo, ukubuya okuqhubekayo, ukugcinwa, indleko kunye nerhafu

1. I-Kiplinger's Fund Finder isixhobo esinokungena ngokulula kwisimboli se-fund, unokufikelela kwimpumelelo yentsebenzo, isitayela kunye nemali yentlawulo. Unokuqala ngokukhetha imigqaliselo - US, amazwe ngamazwe, ukubuyela ngokupheleleyo, iindleko, njl. - uze uvumele i-Kiplinger ukuba ifumane uluhlu lweemali ezihlangeneyo ezihambelana nebhilikhi.

1. I-Mutual Fund Observer iyiziko elibonelela ngeengxelo zexesha elipheleleyo kwizinto zonke eziphathekayo kwiimali zenkxaso-mali ngokubhaliweyo kwiphepha leendaba abacebisi abanokubhalisela kuyo. Le ncwadana inika iingxelo zeengxowa-mali kwiingxowa-mali ezifanelekileyo ezifanelekileyo.
2. I-Maxfunds ichazwe ngokuthi "iWebhsayithi ekhululekile ngesimo sengqondo esichukumisayo kunye nesifiso semali engekho mthwalo." Indawo leyo inikeza idatha ngemali emininzi kwiindidi zamanani. Iimali zibekwe ngokubhekiselele kwiimpawu eziphambili ezifana nomlinganiselo weendleko, i-cap and market.
3. Ukunyaniseka kunika ukufikelela kumawaka eemali ezihlangeneyo ngaphaya kwazo. Zinezixhobo eziphambili zokuphanda kunye nokuhlalutya imali engama-10 000.

Umtyalomali ngamnye uya kufumana ukuba bakhethwayo malunga nendlela abaphanda ngayo imali. Ngaphandle kobuninzi beenkcukacha, uya kufuna ukukhangela umgangatho kunye nokukhululeka kokusetyenziswa. Bona ukuba ziphi izixhobo ezisebenza kakuhle kuwe. Ukufumana yonke inkcazelo oyifunayo, kungenzeka ukuba usebenzise ngaphezulu kweyodwa.

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.