I-5 e-Best Best T. Rowe Price Funds

Ulwabiwo lweeNcwadi kunye neModeli yeeNgxowa-mali zeTfolio Rowe Price Funds

Ixabiso leT. Rowe lincinci kakhulu ngobukhulu kunye nokukhethwa kuneVanguard no-Fidelity kodwa banemali ephezulu yekhwalithi engenakho imithwalo enokuvumela umtyalo-mali ukuba akhe iphothifoliyo enkulu kwintsapho eyodwa yeengxowa-mali. I-T. Rowe Intengo ineemali ezimbalwa zeenkcazo kuphela kodwa ukhetho olwaneleyo lweenkcukacha ezinkulu. Kwakhona baneemali zecandelo elungileyo kunye neengxowa-mali zabo zomhla zijoliswe .

Kodwa yiyiphi i-T. engcono kakhulu.

Iingxowa zeeRhafu zeRawe kwaye njani umtyalomali angakha iphothifoliyo kunye nabo? Ufike kwindawo efanelekileyo yokuphendula!

Qala ngeSakhiwo esihle sePortfolio

Ngaphambi kokuba sikhethe i-T. Rowe Iimali zexabiso ezizisebenzisayo ukuze sizisebenzise iphothifoliyo yethu, siza kuhlaziya isakhiwo sephothifoliyo esilula kodwa esisebenzayo, esibizwa ngokuba sisisiseko kunye nesathelayithi , esafana nje: iphothifoliyo yakhiwe "kwindawo yokubamba," njengengxowankulu enkulu yesitokhwe senkxaso-mali, ebonisa inxalenye enkulu yepotfoliyo kunye nezinye iintlobo zemali-"iindawo eziphathekayo nge-satellites" -ukuze kube neengxenye ezincinci zepottoliyo ukugqiba konke. Ama-satellites ngokuqhelekileyo aneemali ezivela kwiindidi ezahlukahlukeneyo, ezifana nesitoko samazwe angaphandle, i-stock-cap stock, i-bond bond, kunye namaxesha athile.

Injongo ephambili yale mveliso yesikhundla sikhothi kukunciphisa umngcipheko ngokusebenzisa ulwahlulo (ukubeka amaqanda kwiibhasikiti ezahlukeneyo) ngelixa uphumelela ukubuyiswa okufanelekileyo ukuhlangabezana neenjongo zexesha elide lotyalomali.

I-Portfolio yeSampula ye-T.

Ngoku ukuba sinezixhobo eziphambili ze-portfolio ye-T. Rowe Price imali, sinokukhangela umzekelo onokuba ngumzekelo wokwakha iphothifoliyo yakho:

• 35% T. Rowe Ixabiso leNkcazo yeeNkcazo zeeNkcazo zeeNkcitho (i-POMIX): Inkcazelo yesitokhwe esikhulu
• 15% T. I-Rowe Price International Stock (i-PRITX): isitoko samazwe angaphandle

• I-10% T. I-Rowe Intengo Idibansi ye-Small Cap Cap Growth (PRDSX): Amasheya amancinane
• 5% T. I-Rowe Price yeSayensi zezeMpilo (i-PRHSX): i-stock sector stock
• 35% T. Rowe Intengo yeNew Income (PRCIX): Iimali

Lo mxube othile we-T. Rowe Imali yamanani ngumzekelo wesikhundla -mali esilinganiselweyo, esilungele umtyalo-mali kunye nokunyamezela okuphakathi (okuphakathi) kunye nexesha elingama-5 ubuncinane. Abatyalomali abancinane banamkelekile ukwamukela ixesha lokunciphisa ukunyuka kweemarike (ukuphakama kunye nokuhla kwexabiso le-akhawunti) ngokutshintshela ukuba kunokwenzeka ukuba ufumane imbuyekezo ukuba ukuphuma kwexabiso lokungena kwempahla ngumgama osemazantsi. Ulwabiwo-mali lolwabiwo lwe-asethi lungama-65% esitokisini kunye nezibophelelo ezingama-35%.

Ukusetyenziswa kweemali zecandelo, njenge-PRHSX kukukhetha. Ukuba amanye amacandelo ayongezwa, qi ni sekise ukuba ulwabiwo olu-5% kwicandelo ngalinye kwaye uzame ukungadlulanga inani eli-15% elibiweyo kumacandelo (oko kukuthi ama-5% abiwe kwiimali zecandelo ezahlukeneyo ezi-3).

Nangona iphothifoliyo ineemali ezintlanu kuyo, akukho miselo onzima malunga nenani elifanelekileyo lemali yokwakha iphothifoliyo. Uluhlu olulungileyo phakathi kweemali ezintathu kunye neesixhenxe.

Kungakhathaliseki ukuba yiyiphi imali oyi-T. Rowe Price oyikhethayo, qi niqiniseke ukuba usebenzisa umxube ohlukeneyo weentlobo zeengxowa-mali kunye nokulandela ezi zikhokelo ngokuhlalutya imali .

Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.