Indlela yokuchonga, ukufumana nokusebenzisa i-Conservative Mutual Funds
Ukuba ungumtyalo-mali okhuselekileyo, okanye ucinge ukuba kufanele ukuba, kufuneka ubenze umsebenzi wesikolo ukuze ufumane indlela engcono yokutshala imali ngokuzenzekelayo ngemali. Ungaphinda ufune ukufunda indlela yokwakha iphothifoliyo yakho egcinayo kunye nokukhethwa kwemali eyahlukeneyo.
I-Conservative Mutual Funds Inkcazo
Iimali zokubambisana eziqhelekileyo zibizwa ngokuba "njengeengxowa-mali zokwabelana ngokukhawuleza" kuba zinokwabiwo-mali (ukuxuba ama-stocks, i-bonds kunye nekheshi) ephantsi kobuncipheko. Iiphothifoliyo ezigcinayo zihlala zifuna ukubonelela ngokubaluleka kwemali kunye ne ngeniso kumtyalomali. Ulwabiwo-mali olulondolozo lwe-Conservative ludla ukuba lunamanani amancinci amasheya kunama -portfolios abiwe ngokulinganayo kwaye aphantsi kancinci kunobungozi beeposfoliyo ze-fund .
Ulwabiwo lwe-Conservative luba phakathi kwe-20% kunye ne-50% yezinto eziphathekayo kwii-stocks kunye ne-50% ukuya kwi-80% yeefa ezinxulumene neebhanki kunye nemali.
Ngubani omele athenge imali kwi-Mutual Funds Fund?
Iphothifoliyo ekhuselekileyo ilungele umtyalo-mali kunye nokunyamezela kokunciphisa umngcipheko kunye nokukhawuleza kwexesha ukusuka kwixesha elide ukuya kwele minyaka engama-3. Abatyalomali abanononophelo abavumelanga ukwamukela ixesha lokunyaniseka kweemarike ezibi kakhulu (ixabiso eliphezulu kunye nexabiso phantsi kwexabiso le-akhawunti) kwaye bafuna imbuyekezo efana noko okanye ukuphuma kwexabiso elingaphandle.
Isampula sePortfolio Portfolio of Mutual Funds
Abatyalomali bangazakhela iipotfoliyo ezizimeleyo zengxowa-mali kunye nomxube olinganisiweyo weentlobo ezahlukeneyo zeengxowa-mali ezivela kwiintlobo ezahlukeneyo zeengxowa-mali.
Nasi umzekelo wesikhokhethi esilondolozayo esenziwe ngemali emihlanu. Ulwabiwo lweefa luyi-25%, i-bonds ezingama-45% kunye ne-30% yemali (imarike yemali).
I-15% yesitokhwe esikhulu (i-Index)
05% I-stock-cap stock
05% I-Stock External
45% Ixesha eliphakathi kweBond
30% Imali-mali / iMarike yeMali
IiNgxowa-mali eziNgcono zoLuntu
Enye yeengxowa-mali ezilungeleleneyo zokwabiwa kunye nembali yeentlawulo ezizinzileyo eziye zadluleka ngokwembali ngokwezinga lokunyuka kwamaxabiso nguVanguard Wellesley Income (VWINX). Ngokomzekelo, omnye weminyaka engowona mbi kakhulu kwiimasheya ngo-2008, xa i-S & P 500 Index ikwenyuka ngo-37%. I-VWX ilahlekelwe yi-9.8% kuphela, leyo ibetha i-90% yazo zonke iindleko ezixhasayo. Ukubuyiselwa kwexesha elide (iminyaka eli-10 okanye ngaphezulu) iphakathi kwama-7%. Ngamagama ahlukeneyo, umtyalo-mali ogqirhayo engakhange alahlekelwe yilahleko ye-10% kunyaka owodwa kwiminyaka engama-10 ubudala, kodwa isabelo seminyaka esiqhelekileyo ngaphezu kwezinga lokunyuka kwamaxabiso liyakucinga i-VWINX.
Ukuba ufuna ukwakha iphothifoliyo yakho njengeVanguard Wellesley Income, indlela efanelekileyo yokwenza oko kukuthenga imali yenkcazo kwaye ubanike ngendlela efanayo neVWINX. Ulwabiwo lweefa kwiWellesley ngokuqhelekileyo lukwahlula ama-stock angu-35%, iibhondi ezingama-60 kunye ne-5% yemali.
Amazwi oBulumko kwi-Investment Conservative
Ngaphambi kokuba uthathe isigqibo sokuba wenze injongo yakho yokutshala imali, uqiniseke ukuba uyazi izinto eziphambili. Ukuba injongo yakho kukukhulisa imali yakho ngokuhamba kwesikhathi, unokufuna ukwandisa ukukhutshwa kwakho kwiimpahla kwaye utyalomali kwi-fund-allocation allocation okanye udibanise ukuxutywa kweemali ezixhaseneyo (okt 60%, ii-bonds ezingama-35% kunye ne-5% yemali) .
Kwaye ukuba okokuqala kukukhuseleko, kwaye awuyikucingela ukufumana inzala-ntsi-niselo, imali ekudibeneyo mhlawumbi ayiyiyo ikhethekileyo.
Kodwa ukuba ufuna ukuqhubeka kunye (okanye ngaphezulu) ukunyuka kwamaxabiso kunye notyalo-mali lwakho, kuya kufuneka uthathe inqanaba elithile lomngcipheko kwaye uzimisele ukubona ukungaphumeleli okungafunekiyo.
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.