Uphando lubonisa iiRhafu eziphantsi zibonisa iGood Fund
Kwi-Wall Street Journal inqaku elingaphantsi kweeNkcazo zeFund yeFund ye-Outshine ye-Fund, uMlawuli we-fundstar we-fund uthi iifizi "zibonakaliswe ukuba ziziqhenqa ezinamandla kunene." Le ngxelo ibonakala ngenxa yokuba i-Morningstar ineenkqubo zayo zokubeka izinto eziphathekayo zokuxhasa imali , kunye nemali eneenkwenkwezi enye yonke indlela ukuya kwi-star rating.
Iinkwenkwezi ezininzi, ngcono ingxowa-mali. Kwinqaku le-Wall Street Journal, umlawuli waqhubeka wathi ukutshatyalaliswa kweemali eziphantsi "Inkqubo yeenkwenkwezi, njengomlinganiselo wendlela yokusebenza ngokulungelelanisa ingozi, iya kuba yincinci encinane."
Enye inqaku, I-Predictor Best ye-Mutual Fund Performance, ithi "ukulinganiswa kweendleko zizinto eziqineleyo zokusebenza. Kuwo onke amaxesha-ixesha kunye ne-data-point test, iindleko ezincinci zibetha imali ephezulu. Ubungacinga ukuba ubungcono bunjani xa uhlawula ngaphezulu, ngoko kutheni ukuba iimali eziphezulu zibonakala zihambisa iintlawulo eziphantsi?
Kutheni kuhlawula iiRhafu eziphantsi kweNtsebenzo engcono
Njengoko uprofesa omnye owaziwayo wezoqoqosho (u-Eugene Fama) uyaziwa ukuba, "ayikho iinqununu zeedola zee-dollar ezizungeze ukuthabatha." Oko kuthetha ukuba idatha yezemali iyafumaneka kwiqhosha le mouse, ngokukhawuleza, kwizigidi - ukuba iibhiliyoni-zabantu abahlakaniphile kwihlabathi lonke.
Abashiyi imali kwitafile.
Iimali ezilawulwa ngokufanelekileyo zinemali ephakamileyo ngenxa yokuba baqeshe abahlalutyi ukuba baxhamle idatha, kunye neengxoxo zolawulo lwama-intanethi yeenkampani ezixhaswa yingxowa-mali malunga nokutshala imali. Kubiza imali ukuhlawula bonke abasebenzi bezophando, ngoko ke ukubuyisela imali ephezulu le ndlela kufuneka ukunqoba iindleko eziphezulu.
Uninzi lwexesha lonke lo uphando alukwazi ukubuyisela ukubuyiswa okuphezulu xa uthelekisa iziphumo kwizinto onokuzifumana ngokusebenzisa indlela engabizi kakhulu "yokutyala imali."
Iimali ezilawulwa ngokungapheliyo zikhethi nje zikhethe iisethi zeenkcazo ezichaziweyo kwaye zinezo zibalo okanye iibhondi ezidibana nale miqathango. Ngokomzekelo, isikhwama esikhulu esingaphathwa ngesikhwama singasenza zonke izitokhwe ezinamaxabiso eemarike ezinkulu kunezigidi ezili-10 zamaRandi. Akufuneki ukuhlawula abantu abaninzi ukwenza oku. Iindleko zihlala ziphantsi. Kwaye idata ibonisa le ndlela yokunciphisa iindleko eziphantsi.
Ngoko ufumana njani ezi xabiso eziphantsi ezenza i- joint mutual funds ? Impendulo ilula. Thenga iimali zenkcazo okanye imali elawulwa ngokungathandabuzekiyo.
Yintoni omele uyibukele
Ndisoloko ndibona abantu abathengisa ngemali abanokungazi kakuhle abaqeshwe njengommeli othunjiweyo (kuthetha ukuba banokukhuthaza kuphela iimveliso zenkampani abasebenza kuyo), xelela abantu ngokuchasene noko kuchazwe kweli nqaku apha ngasentla. Ndingathanda ukukholelwa ukuba abaqambi ngamanga ngamabomu. Ukusebenza okuphezulu kwemali kunye nemali engaphantsi sele ibhalwa iminyaka. Ukuba nabani na ozama ukukuxelela ngokungafaniyo, baxhatshazwa kakubi.
Kufuneka uqaphele kwakhona uludwe olutshanje lwe-fund.
Xa ukhangela emva kweminyaka embalwa emva kokusebenza kweemali ezidweliswe kwiprogram ethi "imali engcono kakhulu yokuba nayo", uluhlu lwamaxesha obenomsebenzi ongcono ngokwenza iphothifoliyo elula yenkcazo okanye imali elawulwa ngokungathandabuzekiyo.