Kukho kuphela iSandla seNkampani ze-Mutual Fund eziMigangatho engekho Eyona Mithwalo
Akukho bukhulu obufanayo-obufanayo-yonke intsapho yomhlala-mali okanye inkampani yokutyalomali. Ngako-ke akukho nanye indlela yokuhamba nayo ekufumaneni i-best stop stop stop for investing. Kodwa ngokuqinisekileyo unganciphisa ukhetho ngokuqwalasela oko kubaluleke kakhulu kwi-investor yezilumko-iintlobo ezahlukeneyo zokukhetha, ukulinganiswa kweendleko eziphantsi, iingcamango zokutsalwa kwezakhono kunye nokuphathwa kwamagunya ukubiza imiqondiso embalwa yexabiso elifanelekileyo.
Ngaloo nto yathi, le ncwadana yeentsapho zeengxowa-mthwalo ayizange yenziwe ngendlela yenzululwazi (umz. Inkqubo yenkcazo ethile kwimimiselo ethile). umcebisi-mali kunye nomcwangcisi wezemali. Ukubhengezwa ngokugcwele, ndisebenzise iimali ezixhamlayo kuzo zonke iintsapho zeenkxaso ezilandelayo, nokuba zizisebenzise okanye zenze iingcebiso kubaxhasi okanye zombini.
I-Vanguard Group, Inc: I-Index-Low Index Index
Awunakufumana enye into elula, iindleko eziphantsi kunye neentlobo ezahlukeneyo njengeVanguard . Le ndlu yenkxaso-mali yobudlelwane bemali-mali ityandwa kakhulu phakathi kwesihlwele (DIY) isihlwele kunye nothando lwabo kunye nomxhelo kumsunguli uJohn C. "UJack" isitayela seBogle sokutshala ingqondo. Ufilosofi lwakhe lotyalo-mali luhambelanise ne- Hypothesis yeeMakethe esebenzayo (i-EMH) , echaza okokuba yonke into eyaziwayo malunga nokugcinwa kweemali, njengemasheya, isele ihlanganiswe kumaxabiso alawo mathupha.
Ngako-ke akukho mveliso yohlalutyo inokunika umnini-mali umgca phezu kwabanye abatyala-mali.
UBogle unokuthi, "Ukuba awukwazi ukubetha imarike, yijoyine." Ukuthatha le ngqiqo inyathelo elingaphezulu, iBogle ibonisa ngokucacileyo abalandeli bakhe, ababizwa ngokuba yi "Bogleheads," kunye noluntu lwehlabathi lokutyalo-mali ukuba iindleko ezibandakanyekayo ngokubambisa iimali zithengisa kwimbuyekezo, ngokukodwa kwixesha elide.
Isikhwama esidala seVanguard yiNgxowa-mali yeWellington (VWELX) kunye nengxowa yayo eyaziwa kakhulu yi-Vanguard 500 Index (VFINX), eyinkcazo yesikhokelo esilungisa ukuhamba kwezinto (kunye neziqinisekiso ezifumaneka ngaphakathi) kwi- Index ye - S & P 500 .
Ukuba unoluhlobo lomtyalo-mali ongazifuni ukuchitha ixesha ukuhlalutya imali kunye kunye nokukholelwa ukuba iimali zeenkcukacha eziphathekayo kunye ne- Exchange Traded Funds (ETFs) zizixhobo ezifanelekileyo zokukwakhela iipotifoliyo zengxowa-mali, i-Vanguard kuphela yodwa inkampani yekhredithi oyifunayo. Ukuba ufuna ulwazi oluninzi ukwenza isigqibo malunga nokutsalwa kwetyala, khangela i-athikili, Kutheni u-Invest in Index Index .
Utyalo-mali: I-Big Retirement Services Inkampani
Utyalo-mali oluthembekileyo luyaziwa njengekampani yenkxaso-mali kunye nomboneleli weenkonzo zokuthatha umhlala-phantsi kunye nemveliso, njengama-401 (k) amacebo kunye nee-IRA, kumashishini kunye nabantu ngabanye. Ukunyaniseka, okusekwe ngo-1946, yenye yezona nkampani ezinkulu zeenkonzo zezezimali kwihlabathi jikelele.
Ngokungafani neVanguard, ukunyaniseka kuphethwe ngumntu wonke, oku kunokuchaphazela ifilosofi jikelele yombutho. Ngokomzekelo, abanini-nxaxheba beSikhwama sokuthembeka bafuna ukufumana inzuzo ekhulayo. Ngako oko inxalenye enkulu yeinjongo zeFickelity ukukhangela imali engakumbi ngokutsala abanye abatyala-mali.
Yingakho ubona kwaye uva uninzi lwentengiso kwi-Fidelity kuneVanguard.
Akukho nto iphosakeleyo ngokukhula kwenzuzo. Nangona kunjalo, ezinye iimali zinokukhangela inani elinjalo leempahla ezingasakwazi ukuhamba ngeemarike kunye neempembelelo ezingaphaya kweendlela ezinokuba zenzile ngaphambili. Cinga nge-Trust Magellan Fund (FMAGX). Umphathi weengxowa-mali oqhelekileyo, u-Peter Lynch, wenza kakuhle kakhulu ekukhethweni kwamasheya ngethuba lama-1980 lokuba yaba yingxowa-mali enkulu kwihlabathi (i-fund yakhula ukusuka kwi-20 million yezigidi kwiimpahla ukuya kwii-13 ezigidigidi zamaRandi ngexesha lolawulo lukaLynch). Ukususela ngelo xesha, uMagellan unzima. Ngethamsanqa, ukunyaniseka kunomnye owaziwayo kunye onamandla kwiContact Counfund (FCNTX), ephethwe nguWilliam Danoff ohloniphekileyo.
Ukunyaniseka kuyakufanelekela indumiso ngokuba neentlobo ezahlukeneyo zokukhetha ngaphezu kweentsapho zeengxowa-mali.
Bakhetha ukhetho olubanzi lwemali yeengxelo kunye nee-ETs ezikhuphisana neVanguard kwaye zinokukhethwa ngokubanzi kwemali elawulwa ngokusebenzayo emele zonke iindidi ezinkulu zeengxowa-mali kunye namacandelo ecandelo .
Kufuneka kuqatshelwe ukuba akuzona zonke iimali ze-Fidelity ayikho mthwalo. Kananjalo banesabelo seengcebiso kunye neemali ezilayishiwe .
I-T. Rowe Intengo: Eyona ndlela enye eqinileyo kwiiGiants
UThomas Rowe Price, uJr wasungula iqumrhu lakhe lotyalo-mali ngo-1937 ngokusekelwe kwi-stock stock philosophy of investment, ejolise kwiimpahla zeenkampani ezilindeleke ukuba zikhule ngokukhawuleza ngokumalunga ne-stock market. I-T. Rowe Intengo iyintandokazi phakathi kwesihlwele esenzayo ngokwendlela yokwenza utyalo-mali olubanzi oluphezulu lweemali eziphathekayo ezingekho mthwalo, kuquka ne-flagship fund, kunye nexabiso eliphezulu lezinto eziphathekayo, i-T. Rowe Price Growth I-Stock Fund (PRGFX). I-T. Rowe Price nayo inamanye ama- S & P 500 Index Index kunye nokukhethwa kweemali ezingekho mthwalo, kuquka ukuma kwe-T. Rowe Price Sciences yezeMpilo (PRHSX), enye yeengcambu ezihamba phambili kwiingxowa -mali iphela.
Inkampani yePacific Investment Company (PIMCO): Eyona ndlela ihamba phambili kwii-Bond-Load Bonds
I-PIMCO yinkampani yokulawula utyalo-mali esekelwe ngumphathi wesikhwama-mali, uWilliam H. ("uBill"). UMnu Gross ulawula i-PIMCO I-Return Return (PTTDX), eyona nto iphakamileyo ye-fund, kunye nezinye iimali, kuquka i-Harbour Bond (HABDX) ethandwa. Xa engasebenzi ukulawula iiphothifoliyo zakhe ezingenayo, uhlala exakekile ethetha nokubhala. Umthetho oYilwayo Utyalo-mali ovela kwi-PIMCO ufundwa ngokubanzi kwihlabathi lakhe kunye nokuqonda malunga noqoqosho kunye neemarike.
UCharles Schwab: Umthengisi weRhafu, iNkampani ye-All-in-One Fund
Ungakwazi ukuvula lula i-akhawunti ye-brokerage kwiVanguard okanye kwi-Fidelity, apho ungakhetha khona kumawaka eemali ezidibeneyo, nakwezo zivela kwiinkampani zenkampani ezikhuphisanayo. Nangona kunjalo, uCharles Schwab unokuba ngumthengisi othe wenyusa umvuzo owanikezela iipokethi ezipheleleyo zeemali, iimali, iintlawulo kunye neenkonzo kubahwebi bezocalo-mali bonke kwindawo enye. Njengoko umkhankaso okhangayo ophakamileyo uthi, "Ufuna uncedo? Cela i-Chuck!"
Eyasungulwa ngo-1971 phantsi kwegama lokuQala iNkulumbuso, uShawab waqala ukunikezela ngeenkonzo zokuthengisa ngemali kwisaphulelo ngo-1975. Ngaphambi kwelo xesha, ukutshala imali kwimarike yemasheya kwakubhekwa njengowomntu ocebileyo.
Indlela yokuPhando kunye nokuFumana i-Best Load-Load Funds
Uphando lwe-Mutual fund luyakwenza kube lula ngethuluzi elifanelekileyo lophando lwe-intanethi. Ingaba ungumqali okanye umzekelo kwaye ukuba ufuna ukuthenga imali engcono engabikho mthwalo, ubuyekeze imali ekhoyo ekhoyo, uqhathanise kunye neefowuni ezahlukeneyo okanye uzama nje ukufunda into entsha, iisayithi zokucwaninga ngemali, ezifana I-Morningstar , inokuba luncedo kwaye kulula ukuyisebenzisa. Ukukhangela "izikrini" kwizixhobo zabo ze-intanethi zivumela umtyalo-mali ukuba anciphise uphando lwabo lwemali engekho mthwalo kunye nemali ekhishiwe. Uninzi lwamaziko okucwaninga ngeengxowa-mali ze-intanethi zifuna ukuba ubhalise kwi-"free" okanye "ukungena kwi-premium".
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.