Kutheni i-fund fund iyafuna ukuba izitokhwe zombini kunye nezibophelelo?
Ukubeka nje, abanye abatyalo-mali abafuni ukujongana nokukhetha kwiintlobo ezahlukeneyo zemali. Bafuna ukhetho olulodwa, olubanzi-jikelele oluya kuthenga rhoqo, lunikeza ithuba elihle ekubuyiseleni okuhle kwimali yabo , kwaye kunokwenzeka ukuba ukhuphe ukukhupha okukhulu xa ihlabathi liwahlukana, nangona oku kuthetha ukuhlaselwa xa sithe kwimarike yenkomo . I-fund ephethwe kakuhle, inokulinganisela inethuba elihle lokufezekisa ezi njongo kuba izibophelelo zithatha ukubamba ukubaluleka kwazo xa amaxabiso esitokisi awela. Imarike yemasheya ngokuqhelekileyo yenza iindawo ezithengileyo eziphantsi kwiibhondi, ukuvelisa izivuno zentengo ezikhuphisanayo nezivuno zentsebenziswano .
Qaphela ukuba ubukele ukulinganiswa kweeMali eziManyeneyo zeMali
Enye yeengozi enkulu yokutshala imali kwi-fund efanelekileyo, kungenzeka ukuba uhlahlo lwabiwo-mali lwama-joint fund, eziziindleko ezihlawulwa yinkxaso-mali yokubambisana nabanini-mali, ziya kuba ziphakamileyo kunokuba ungathengisa imali ehlukeneyo , enye ye-equity (stock) kwingxowa-mali kunye nengxowa-mali engenayo ingeniso.
Oku akunakukukhathaza ukuba ucinga ukuba yimali yokuphazamiseka-emva koko, kufuneka ujongane nokutyalomali olulodwa, oluxabisekileyo. Kukho into, nangona kunjalo, kufuneka ukuba ncinane ithathelwe ingqalelo.
Njengomgaqo oqhelekileyo, bonke ababandakanyekayo, abatyalo-mali kufuneka bazame ukuhlawula ngaphantsi kwe-1.50% ngonyaka kwiimali zokulawula, indleko kunye nezinye iindleko xa kwakhiwa i- akhawunti ephethwe ngabanye elandela isicwangciso esifanayo esifanelekileyo banokukwenza).
Okwangoku, abatyali-mali kufuneka bazame ukuhlawula phakathi kwe-1.25% kunye no-1.50% xa utyalo-mali ngokusebenzisa i-fund equityanisiweyo, i-fund equaled fund, engenakufumana ubuninzi beerhafu kunye neendlela zeengxaki xa ungaqapheli.
Ngokomzekelo, i-Vanguard Balanced Index Investor Shares (uphawu lwe-ticker VBINX), olugcina i-60% yemali kwimigodi yase-US kunye ne-40% kwiimbopheleleko zase-US, inomlinganiselo weendleko ezi-0.25% kuphela ngonyaka kodwa nayo inexabiso elikhulu , kuthetha ukuba kuya kuba budenge ukuwuthenga kwi- akhawunti yokurhweba . Kwiindawo zokukhusela zerhafu ezifana neRoth IRA , loo ngxowa-mali yabonakalisa utyalo-mali phakathi kwamaxesha anjenge-2000 kunye no-2010 xa iphumelele i- Dow Jones Industrial Average njengamaxabiso angabhonkco, okwenza njengentambo yokukhusela emva kwe-market crash ukugqitywa kwebhola ye-dot-com.
Ukuqonda isiCwangciso soBulumko esiPhakathi kweeMali eziManyeneyo
Ukulungiswa kwemfundiso yeefowthifoliyo elungeleleneyo kudlulela ngaphaya kweengxowa-mali ezifanayo. Inzuzo enkulu kunazo zonke kwindlela yokulinganisela isengqondweni, ixhomekeke ekuqeqesheni okubizwa ngokuba yizoqoqosho zokuziphatha. Faka emagqabantshintsheni angundoqo, abatshali-mali abasenako ukwesaba kwaye benze into engalungile ukuba iphothifoliyo yabo ihlala ibambe ixabiso layo.
Njengengqiqo njengoko kunjalo, abatsha-mali abaninzi banokukhetha iintlawulo ezingaphantsi ezithe zafika kwixesha elihle kunokuba kubuyiselwe phezulu okuye kwafika amaconsi amakhulu kunye nokwanda kwexabiso. Ukwamkela le nyaniso ngendalo yabantu kunokubamba iqhosha lokulala ubusuku obuhle kunye nokuqokelela kobutyebi obuyimpumelelo.