Umlinganiselo ophantsi weendleko uthetha ngakumbi.
- Ingxowa enexabiso lentengo ye-1.10 iindleko 1.10% ngonyaka wezinto ezipheleleyo ezikhoyo kwi-fund.
- Ingxowa enomlinganiselo weendleko ze - .20 zerhafu .20% okanye 1/5 ye-1% yemali oyityala.
Ngamanye amaxesha uya kuva uhlawulelo lweendleko ezichazwe ngokwemiqathango "yamaphuzu angundoqo". Iphuzu lesiseko lilingana no -01%. Ingxowa ehlawulisa iindleko zeesiseko ezingama-30 .30% okanye ngaphantsi kwe-1/3 yepesenti ngonyaka. Izilinganiso zeendleko azithathelwa kwiakhawunti yakho okanye utyalo-mali. Kunoko, zithathelwa kwii-asethi ezipheleleyo ze-fund ndawonye ngaphambi kokufumana isabelo sakho. Oku kuthetha ukuba utyalo-mali olumnini-mali lubuyiselwe ngokuphindaphindiweyo kwe-10%, kwaye i-fund inexabiso lentengo ye-1%, ukubuya kwakho, umnatha wemali, ngu-9%.
Imilinganiselo yoNyaka yeMali
Ngokutsho kwenkxaso-mali yechungechunge lwengxowa-mali yoMsombuluko, ngo-2015 inkokhelo ye-equity fund yase-US .58% , i-fund equity fund equity fund .77 %%, kunye nezinye iimali ezihlawulweyo 1.31% ngonyaka.
IiNgxowa ezinenkampani ezincinci kunye nokutyalomali-mali lwamazwe ngamazwe kuya kuba nexabiso elingaphezulu kweendleko kuneemali ezinenkampani ezinkulu zase-US. Kungenxa yokuba kuthatha ubuninzi bobuchule kunye nophando kuphando kunye nokuthengiswa kwamasheya amancinci kunye notyalo-mali lwangaphandle.
Xa kuthelekiswa nokulingana kweendleko, kubalulekile ukuqinisekisa ukuba uqhathanisa imali eneentlobo ezifanayo zotyalo-mali. Akuyi kuba kuhle ukuthelekisa umyinge weendleko kwi-engxowa-mali yemali ephumayo kwi-fund enkulu ye-US. Kuya kulungelelanisa ukuthelekisa umlinganiselo weendleko zenkxaso-mali enye ephumayo nakwezinye iimali zeemarike ezikhulayo.
Apho Unokufumana khona Imilinganiselo yeeMali zeMali
Kukho iindlela ezininzi ongayifumana ngayo umlinganiselo weendleko zaliphi na inkxaso-mali:
- Unokukhangela ulwazi kwingxowa-mali ngetekethi yayo (itekisi yeelwimi ezihlanu). Ngokomzekelo, iNgxowa-mali ye-Investor Index ye-Vanguard ine-ticker ye-VFINX. Xa ndiyifaka kwi-intanethi, into yokuqala eboniswe yi-Google Finance. Xa ukhangela ngolwazi olunikeziweyo uza kubona icandelo elibizwa ngokuthi "iisatisti eziphambili," apho kuboniswa khona ixabiso lentengo .17%
- Unako ukuhlala ukhangelelanisa umlinganiselo weendleko kwi- fund's prospectus . Kuthunyelwa kuwe unyaka ngamnye, nangona kwezinye iimeko ngoku kunakho ukunikezelwa kuwe ngekhompyutha. Unokukhuphela i-prospectus ye-fundus kwiwebsite yenkampani ye-fund. Khangela kwitheyibhile yequlatho kwicandelo elibizwa ngokuthi "Imirhumo kunye neendleko," kwaye iya kukuxelela inani leendleko ze-fund yakho.
Kutheni ukunyuka kweeRatiyo kubalulekile
Ukulinganiswa kweendleko kunempembelelo yokunciphisa ukubuyiswa kotyalo-mali. Kufuneka ukhangele inzuzo yentlawulo yeentlawulo kunye neerhafu ukwenzela ukuba uthelekise kakuhle.
I-fund ngayinye iya kuba nenjongo yokutyalo-mali echaziweyo kwaye iya kulandela i-philosophy.
Imali esebenzayo iyichitha imali ekuphandeni nasekuthengiseni ukuzama ukukhetha isicwangciso esihle sotyalo-mali ngaphakathi kwinqanaba abajolise kuyo, kwaye ngenxa yomsebenzi owongezelelweyo ochaphazelekayo, baneendleko eziphezulu. Iimali ezimiselweyo zineenkcukacha ezikhethiweyo zokutyalwa kwezimali kunye neendleko ezincinci. Izifundo zibonisa ukuba emva kokubalwa kweemali zerhafu kunye neerhafu, ngokuphindaphindiweyo kuneemali ezingekho phantsi kunye neemali eziphantsi ngaphaya kwemali esebenzayo kunye nemali ephezulu.
Abangenalwazi, abatyali-mali abaninzi bahlawula kakhulu imali yabo. Ukubeka ingqalelo kwiimali zotyalo-mali kunokunyusa ukubuyela kwakho emva kwexesha. Umzekelo, ukuba unokufumana utyalo-mali olulinganayo olufanayo kunye nokulinganiswa kweendleko ezikufutshane .50% ngaphantsi kwezinto ohlawula ngoku, kwi $ 100,000 egcina i-$ 500 ngonyaka. Kwiminyaka engaphezu kwelishumi, leyo yongeza kwi-5,000 ye-savings.