I-7 Engcono yeTeknoloji yokuThengiswa kweMali yokuThengisa

Got Tech Funds? Nazi iiNgxowa zeMali eziPhambili ezithatha iTeknoloji

Ukutshala imali kwiimali zeteknoloji yintsebenziswano yindlela efanelekileyo yokuncedisa ukuba yintoni eyona nto ibingcono kakhulu ukukhula kwexesha elide.

Akudingeki ucinge kakhulu okanye ixesha elide ukuqonda amandla amakhulu okuqhubela phambili e-US kunye nezoqoqosho-hlabathi. Kwaye indlela efanelekileyo yokubamba kwi-tech stocks ngokuqinisekileyo kunye neengxowa-mali ezidibeneyo ezigxininisa ukugcinwa kwazo kwi candelo elikhulayo.

I-Technology Mutual Funds: Iindlela ezilungileyo zokutshala imali kwiCandelo leCandelo

Icandelo leengxowa-mali yingxowa - mali kunye okanye i -fund-exchangeed fund (i-ETF efutshane) ebeka imali ikakhulu kwicandelo elinye loshishino loqoqosho.

Naluphi na uluhlu lwamacandelo oyifumene luya kubandakanya iteknoloji, imali, umthengi, umxube, umthengi, izinto eziphathekayo, amandla, ubutyebi bemvelo, ukunakekelwa kwezempilo, ukuthengwa kwezindlu kunye nezitye ezixabisekileyo.

Icandelo letheknoloji yinkalo yezitokhwe eziqukethe ishishini lobugcisa, njengabavelisi abavelisa i-computer hardware, isofthiwe yekhompyutha okanye iikhompyutheni kunye neenkampani zoshishino zeteknoloji, njengalezo zinika iteknoloji yolwazi kunye nokucwangciswa kwedatha yezoshishino. Iminye imizekelo yeenkampani zeteknoloji ziquka i-Apple (AAPL), iMicrosoft (MSFT), iGoogle (GOOG, GOOGL) kunye ne-Facebook (FB).

Mhlawumbi inzuzo enkulu kakhulu yokuthenga i-teknoloji yemali-mali yinto yokuba abatyali-mali bangakwazi ukufikelela kunye nokuvelela kwiindawo ezininzi okanye iikhompyutheni zamakhulu kwi-fund eyodwa. Enye inzuzo, njengoko kunjalo nangenye imali kunye kunye ne-ETF, kukuba umtyalomali akafuneki ukuba achithe ixesha lokuphanda nokuhlalutya amasheya.

Esikhundleni saloo nto, banokuthenga i- index index yeendleko eziphantsi okanye i- fund ephezulu elawulwa ngentshiseko ebeka ingqalelo kwiindawo ezinobungakanani beeteknoloji.

I-Best Mutual Funds

Ukunciphisa uhlalutyo lwakho kunye nexesha lophando olongezelelekileyo, sihlanganisa uludwe lweengxowa-mali eziphathekayo zeteknoloji namhlanje.

Ukuze sifumane uluhlu lwethu lokugqibela lweekhnoloji ezisixhenxe, ndagqithisa imali ehlawulisa imithwalo kunye nalabo abanamaxabiso aphezulu. Emva koko ndakhangela ezinye iikhrayitheriya eziphambili, ezifana nokurekhoda kwexesha elide kunye nokugcinwa kwemphathi (kwiimali ezilawulwa ngokusebenzayo).

Ngoko, ngaphandle kwe-ado engaphezulu, kwaye akukho myalelo othile, nantsi iikhompyutheni eziphathekayo ezisixhenxe zokuthenga iteknoloji yokuthenga:

1. I-Fidelity Select Technology (FSPTX): Ukuqwalasela zonke izinto eziphambili zokukhetha imali ephezulu ye-teknoloji, i-FSPTX inokuba yinto efanelekileyo kakhulu yokuthenga imali, ngokukodwa ukuba ufuna i-fund ephathwayo. Ukusebenza kwazo zonke iinqanaba eziphambili zokuhlalutya-i-1,, 3-, 5--10-i-returns-izindawo ze-FSPTX kakhulu phambi kweengxowa-mali eziqhelekileyo kwicandelo leengxowa-mali zamacandelo ezobugcisa. Umphathi, uCharlie Chai, ubekwe kwisikhwama se-FSPTX ukususela ngoJanuwari ka-2007. Iphothifoliyo iqukethe amagama aphezulu-teknoloji efana ne-AAPL, i-FB ne-GOOG. Iindleko ziqikelele kwi-0.77 yeepesenti, okanye i-$ 77 kuzo zonke i-$ 10,000 ezityalomali, kwaye ubuncinci bokutshala imali ngu-$ 2,500.
2. I-T. Rowe I-Global Global Technology (i-PRGTX): Ukuba ufuna ingxowa-mali yezobuchwephesha ezahlukahlukeneyo ezithengisa kwi-tech stocks emhlabeni jikelele, i-PRGTX yinto ekhethekileyo. Ukusebenza kuye kwagqitywa ngokugqithiseleyo amanqaku amanqaku amaninzi, ngokukodwa kwixesha elibaluleke kakhulu, njenge-3-, 5-, ne-10 yeminyaka ebuyiswe ngonyaka. Iindleko zingama-0.90 ekhulwini kwaye ubuncinci bokutshala imali ngu-$ 2,500. Qaphela: Njengeemali ezininzi ezilawulwa ngokuzimeleyo ezilawulwa ngokufanelekileyo, i-PRGTX ithambekele ukuvala abatyala-mali abatsha xa ixabiso likhula. Qinisekisa ukuba ukhangele i-fund ivulekele abatyala-mali abatsha ngaphambi kokuba wenze le ngxowa-mali yakho yokugqibela!

1. Ukukhula kweTeknoloji ye-Global Global (i-CMTFX): Ngokulinganayo ngokunyanzelisa njenge-PRGTX, i-CMTFX yinkxaso-mali ephathekayo ephathekayo egcina imali kwi-tech stocks emhlabeni wonke. Njengaye enye i-teknoloji imali kwiluhlu lwethu, i-CMTFX inomxholo olandelelanayo wokubetha umlinganiselo wemigangatho. Umlinganiselo weendleko yi-1.09 yeepesenti kwaye ubuncinci bokutshala imali ngu-$ 2,000.
2. Ukunyaniseka Khetha abaSebenzi (FSELX): Ukunyaniseka kunika imali encinci ye-tekhnoloji ephakamileyo etyalomali kwiindawo ze-teknoloji kunye ne-FSELX. Xa iikhomputha kunye neefayili ezifanayo zezinto eziphathekayo zithengisa kakuhle, ngokuqhelekileyo uza kubona izitokisi zeefemu ezenza i-semiconductors eqhuba kakuhle. Imizekelo ye-FSELX yokubamba iqela iquka Intel Corp (INTC), iQuallcom (QCOM), kunye neNvidia (NVDA). Iindleko ze-FSELX zingama-0.77 yeepesenti kwaye ubuncinci bokuthenga kuqala ngu-$ 2,500.

1. I-Fidelity Khetha I-Software kunye ne-IT Services (FSCSX): Enye ingxowa yecandelo le-teknoloji ekhethekileyo esuka kwi-Fidelity ukugcina kwi-radar yakho yi-FSCSX, ejolise ekubanjweni kwayo kwi-tech-sector kwicandelo lesofthiwe kunye ne-teknoloji yolwazi. Umzekelo oqingqileyo wesofthiwe yi-Microsoft (MSFT) kunye ne-teknoloji yolwazi, unokucinga nge-Salesforce.com (CRM). Zombini zezi zinto ziphezulu kwiFSCSX. Ukusebenza kwexesha elifutshane kweFSCSX akuhambisani kodwa ukusebenza kwexesha elide (ukubuyiswa kweminyaka eli-10 ngonyaka) kungcono kunamaphesenti angama-90 ezobuchwepheshe beekhnoloji. Umlinganiselo weendleko ngu-0.76 weepesenti kwaye ubuncinci bokuthenga okokuqala ngu-$ 2,500.
2. I-Vanguard Inkcazelo yeTheknoloji yoLwazi (i-VITAX): Le ngxowa-mali ye-tech ephuma kwiVanguard iya kubhenela kubatyebi-mali abacebileyo abafuna imali ephantsi-mali ephantsi. Ukuthenga ubuncinane bokuqala kweedola ezili-100 000 abahlawuli-zimali bemihla ngemihla baya kuhlawulelwa kwixabiso le-fund. Nangona kunjalo, kukho iindaba ezilungileyo zeengxowa zeVanguard ezithandayo imali yenkcazo: Kukho i-ETF version (ticker: VGT) enexabiso elifanayo eliphantsi le-0.10 ekhulwini.
3. I-Blackrock Isayensi kunye neTeknoloji Amathuba (BGSAX): Ewe, i-BGSAX inemithwalo yangaphambili kodwa i-Blackrock inikeza inguqu ekhutshwa ngumthwalo yenkxaso, efumaneka rhoqo kwi-401 (k) izicwangciso. Ngaloo ndlela yokuziphatha, i-BGSAX ikwabelana nazo zonke iimpawu zeekhono zeteknoloji eziphezulu ngaphandle kwemilinganiselo yeendleko ziphezulu kwi-1,45 pesenti. Nangona kunjalo, ukuba unako ukuthenga enye yeeklasi zezabelo ngeendleko eziphantsi, i-BGSAX yinkxaso-mali ephezulu ye-technology.

Abatyalomali abafanelekileyo ngokufanelekileyo kwi-Technology Mutual Funds

Ekubeni iteknoloji yintlupheko yohlumo olukhuselekileyo, abatshali-mali abanokuthi bahlale bekhumbula ukuba ixabiso lentengo (ups and downs in value) ngamanye amaxesha lingazibiza ngokugqithiseleyo njengengxowa-mali eyahlukeneyo njenge- S & P 500 Index fund . Kodwa kunye nomngcipheko omkhulu, ukubuyiswa okuphezulu kunokwenzeka. Ngoko ke, abatyali-zimali bacinga ukuthenga i-fund yekhnoloji kufuneka bazimisele ukuzamkela ukuguqulwa kwe-akhawunti yabo.

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.