Nazi izinto ezintandathu oza kufuneka wazi ukuze ufumane ukuba zeziphi iintlobo zeengxowa-mali ezidibeneyo ezinokuba yi-investment.
1. Ziziphi i-Mutual Fund
Okokuqala, kufuneka uqonde ukuba yintoni isikhwama esisodwa .
Kukho imali engaphezulu kwama-7,000, omnye nomnqophiso ohlukileyo kunye nenjongo. Abanye abatyalomali kwiibhondi, abanye kwiimpahla. Ezinye zineengxowa-mali ezilinganiselayo ezinokubambisana nezibambiso. Ezinye ziyalondolozo, ezinye zinobudlova. Ezinye zihlelwe ukuvelisa izabelo kunye nomvuzo, abanye batyale ukukhula.
Ukukhetha i-fund yemali eya kuba yintle-mali efanelekileyo kuwe, kufuneka uchaze iinjongo zakho zophuhliso kunye neenjongo. Umzekelo, ukuba awuyikucwangcisa ukusebenzisa imali ngexesha elide, unokugxila ekukhuleni kwexesha elide. Ukuba awuyithandi umngcipheko okanye kufuneka usebenzise imali kwiminyaka embalwa ezayo uza kufuna ukugxininisa ukhuseleko. Ukuba ukhetha isikhwama sokukhula xa ufuna ukukhuseleko-okanye ngokuphambene naso-ke leyo ngxowa-mali ayiyi kufikelela ekutyala imali.
Enye yeenzuzo zengxowa-mali yumbutho kukuvumela ukuba uthathe iindleko zecandelo lonke lemarike ngaphandle kokuba uthenge kwaye uthengise amasheya kunye nezibophelelo.
Umzekelo, ukuba uthenge i- S & P 500 yengxowa-mali yengxowa-mali uza kufumana imbuyekezo yeemarike zembali ze-S & P 500 , ngaphandle kokuthenga zonke izitokisi ezingama-500. Oku kukwazi ukuhlukahluka kwezo zityalo-mali ezininzi ngokuthenga enye i-fund enye yezona zizathu eziphambili zixhaswa ngemali.
2. Indlela yokuThengwa kweeMali zeMatual
Ixabiso eliphantsi kweendleko zotyalo-mali ozihlawulayo, eziphakamileyo zakho zentlawulo. Unokufunda iindleko zemali-mboleko ngokubheka ireyithi yeendleko zezimali ezihlala zichazwe kwi-prospectus ye-fund - kwaye namhlanje ingafumaneka kwi-intanethi.
Uya kufuna ukujonga iimali ezinemivuzo ephantsi (ngokungekho ngaphantsi kwe-1%). Ixesha lakho lichithwe kangcono ukwenza olu hlobo lophando kunokuba uzame ukufumana iimali ezazinokubuyisela eziphezulu ngonyaka odlulileyo. Iziphumo zonyaka odlulileyo azikho uphawu lwento enokwenzeka kulo nyaka. Ufuna ingxowa-mali eqhubekayo yokutshala ngokuvumelana neenjongo kunye neenjongo zayo kwaye inemali ephantsi.
3. Indlela yokufumana iifom ezilungileyo
I-Morningstar yinkampani enika iinkcukacha kunye nophando kwimali-mali. Emva kokuba unqamle uhlobo lwenkxaso ehambelana neenjongo zakho, uphando lwabo lubonisa indlela eqinisekisiweyo yokufumana iimali ezinokuthi zisebenze kakuhle . Kungokufumana imali kwiqela ngalinye elinemali ephantsi. Ngokomzekelo, ukuba ufuna i-fund yokukhula ngamazwe ngamazwe, ungakhangeli i-fund ebenokubuyiswa okuphezulu kunyaka ophelileyo, khangela i-fund yokukhula kwamazwe ngamazwe enomlinganiselo ophantsi kweendleko.
3.Indlela yokufumana iifom ezilungileyo
Ihlawulela ukufunda umahluko phakathi kokutyalomali okusebenzayo nokungenziwanga .
Ngokucacileyo, ukuphathwa kweemali ngokubambisana kunye nokukhutshwa kweemali , ngelixa imali engapheliyo ithengi kwaye ibambe iqoqo elithile leemfanelo. Nangona ukusukela kunyaka unyaka ezinye iimali ezilawulwe ngokukhawuleza ngokugqithiseleyo ukungafani kwazo, uphando lwezemfundo lubonisa ukuba ngaphezu kwexesha elide, njengeqela elilawula imali ngokungapheliyo kwintsapho yabo elawulwa ngokuzimeleyo.
5. Indlela yokusebenzisa i-Mutual Funds kakhulu ngokuchanekileyo
Iimali zengxowa-mali zingabakho utyalo-mali osebenzayo xa zisetyenziselwa ukwakha iphothifoliyo elandela imodeli yokwabiwa kwempahla . Ngendlela elula, imodeli yokunikezelwa kwee-asethi ikuxelela ukuba imali yakho imele ibe yintoni kwiimpahla ezinxulumene nezibophelelo, kwaye emva kwezinto ezinokuthi zifanele ukuba zibe kwiimpahla ze-US nakwamashishini angaphandle.
Emva kokuba unomzekelo wokwabiwa kwemali uza kukhetha umndeni weengxowa-mali ukusebenzisana.
Ndiyakuncoma ukuba uqale ngoluhlu lwam uluhlu lwengxowa-mali . Emva koko ukhetha isikhwama esisodwa ukugcwalisa iklasi nganye ye-asethi; umzekelo we-S & P 500 yengxowa-mali ye-stocks yase-US, isibonelelo-mali sobume belizwe lonke ukuzalisa isahluko samazwe ngamazwe, kunye neengxowa-mali zohlobo lwebhanki.
Esi sicwangciso sokwabiwa kweefa kufuneka sifane neenjongo zakho. Ukuba utyalo lwemali yomhlala-phantsi ongeke ufune ukuyichukumisa iminyaka engamashumi amabini, ungakhetha isikhwama esinamandla kakhulu njengengxowa-mali, kwaye uyishiye yedwa. Ukuba uhlala phantsi kwiminyaka embalwa emva kokuba yonke imali yakho kwi-equity fund ingabi yinto efanelekileyo. Endaweni yoko, unokufuna ukujonga i-fund efanelekileyo. Kungakunceda ukusebenzisa isilinganiselo somngcipheko wokutyalomali ukuhlelwa kwemali uze udibanise neenjongo zakho.
6. Iimali zeMali kunye noMhlalaphantsi
Ezinye iingxowa-mali ezidibeneyo zenzelwe ukuvelisa ngeniso yenyanga okanye yenyanga. Iintsapho ezininzi zeengxowa-mali zidibanise uluhlu lweengxowa-mali zokuthatha umhlala-phantsi kule njongo. Ndicinga ukuba ezi zinto zikhethekileyo umntu onomhlalaphantsi ofuna ukulawula imali yakhe.
Ezinye iimali ezibizwa ngokuba yi- dividend funds zijolise ekunyuseni imali engenayo ngokukhetha i-dividend ehlawulelwayo.
Uninzi lweentlobo zeengxowa-mali zidibaniso ezilungileyo ziza kuba lukhetho oluhle xa uthatha umhlalaphantsi ukuba ukhethe njengenxalenye yecwangciso lokufumana umhlala-phantsi lomhlalaphantsi, kwaye uyazi ukuba njani kunye naluphi ixesha lokuzibuyisela okanye ukuthengisa izabelo njengoko kuyimfuneko ukudala imali oya kuyidinga ukuyihoxisa.
Ngaphantsi
Iimali zokubambisana kukutyalo-mali olufanelekileyo xa ukhetha imali ngemali ephantsi efana neenjongo kunye neenjongo zakho.