Kude kangakanani uceba ukugcina iFund
Ngaba uya kubamba i-fund ixesha elide, njengeminyaka eyi-10 okanye ngaphezulu, okanye uza kuyithengisa ngeenyanga ezimbalwa okanye kwiminyaka embalwa?
Izabelo zeCandelo C zihlawulisa oko kuthiwa "umthwalo umgangatho," oqhelekileyo u-1.00% wonyaka ngamnye. Oku kungabonakala kungaphantsi kwe-5.00% phambi komthwalo kodwa ngaphezu kwexesha elide, amaxabiso e-C axabisa ngaphezu kwamanye amakilasi esabelo.
Ngokubanzi sebenzisa ii-C zokwabelana ngexesha elifutshane (ngaphantsi kweminyaka engama-3) kwaye usebenzise izabelo zexesha elide (ngaphezulu kweminyaka engama-8), ingakumbi ukuba unokufumana ikhefu kwimphambili phambi kokuthenga okukhulu. Izabelo zeBakala B zingagqithiselwa ukutshintshwa kwizabelo ze-Class A emva kweminyaka esixhenxe okanye yesibhozo. Ngenxa yoko, banokuba ngcono kakhulu kubatyalomali abangenayo ngokwaneleyo ukutyalomali ukuze bakwazi ukufumana ithuba lokuphumula kwi-A share, kodwa baceba ukubamba amasheya eB e iminyaka emininzi okanye ngaphezulu.
Isixa oceba ukutyala ngoku kwaye emva koko
Ngaba uceba ukutyalomali kanye ngenyanga? Ngaba uza kuseka isicwangciso- mali sokucwangcisa okanye uza kwenza idiphozithi kwaye utyalomali kanye ngonyaka? Ngaba wenza enye imali yokutshala imali?
Ngoku ukuba uyazi i-share share money charge front-load ngokuthengwa ngalunye, awuyi kufuna ukuthenga rhoqo, njengokwenza isicwangciso-mali sokusesikweni, kunye naloo klasi yesabelo kuba uza kuhlaselwa ngerhafu ukuya 5.00% rhoqo xa uthengela izabelo.
Ukuba unomtsalo-mali osisigxina okanye uthenge kwaye ubambe utyalo-mali , sigweba iiSahluko C kwicandelo langaphambili. Ngako oko, izabelo zeB ziya kukhethwa ngokufanelekileyo kumtyalo-mali osisigxina ofuna ukutshala imali rhoqo (okt i- dollar-cost costage ).
Iindleko eziHlanganisiweyo neCandelo lezabelo
Iindleko zindleko ezingaphezu kwemithwalo okanye iintlawulo.
Ngokomzekelo, izabelo zeB kunye nama-C amasheya ahlala eneemali ezi-12b-1 kunye neehorensi eziphezulu zeendleko kunee-A share funds.
Ngoko ke ukuqwalaselwa kweendleko ezihambelana nesabelo seklasi zidibanisa ngokupheleleyo nazo zonke ezinye izinto ezibhalwe apha. Oku kungenxa yokuba iindleko eziphezulu malunga nexesha ziya kuphazamiseka kwimbuyekezo yakho, oku kuthetha imali encinci kwipokoth yakho ekupheleni kwexesha lakho lokubamba.
Nangona i-share share funds ihamba phambili imithwalo engama-5.00%, iindleko zabo ziphantsi emva koko. Ngako oko, isalathisi sokutsalwa kwetyala eligcinwe ixesha elide, elifana neminyaka emi-5 ukuya kwe-10 okanye ngaphezulu, liya kulungelelaniswa ne-A share fund. Imirhumo ye-12b-1 kunye neendleko ezipheleleyo zezabelo zeB kunye no-C, ngakolunye uhlangothi, ziya kubangela ukubuyiswa kwexabiso eliphantsi kwezi mali kwixesha elide.
Ukusebenzisa Umcebisi okanye UkuziTyala
Isigqibo malunga nokuba yeyiphi iklasi eklasini ukuthenga kulula xa wazi ukuba ngaba ufuna ukusebenzisa okanye umcebisi. Ukuba ufuna ukuya kwindlela oyenzayo, kufuneka uvula i-akhawunti ngokupheleleyo enye yezona nkampani ezingabonanga mthwalo kunye nezimali ezingekho mthwalo. Oku kuthetha ukuba "utyalomali ngokuthe ngqo" kuba unqumla umgcini-phakathi (umcebisi) kwaye utyalomali ngokukodwa ngqo nenkampani ye-fund.
Ukuba ngaba nguwe, qiniseka ukuba ufunde inqaku lam malunga nendlela yokwakha iphothifoliyo yemali .
Ukuba ufuna ukusebenzisa umcebisi kwaye abayena "umcebisi-kuphela" umcebisi, baya kuhlawulelwa ngamakhomishina okanye imali eyabelwe yiklasi yesabelo, njenge-A, B okanye C. Ngoku unokubuyela kumphezulu kweli nqaku uze uqiniseke ukuba umcebisi wakho uthengisa oko kukubaluleke kakhulu kuwe kwaye akuyona into ebaluleke kakhulu kwiminqweno yakhe!
Ngemali ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.