Ngaba ufanele uthenge ii-B?
Yiyiphi i-Mutual Fund ye-Class B Ezabelo?
Uninzi lweemali zengxowa-mali zinikela ngeeklasi ezahlukeneyo zezabelo zokuthengwa (ukungafaniyo kwiintlawulo zeemali kunye kunye neendleko zeklasi nganye yesabelo).
Iiklasi zengxowa-mali eziqhelekileyo ezidibeneyo zibandakanya: iCandelo A, iCandelo B kunye neSigaba C ze-mutual fund izabelo. Isabelo ngasinye sigaba sifuna ulawulo kunye nemirhumo yokusebenza kunye neeklasi ezininzi zentsebenzo zibandakanya umrhumo we-12b-1.
Izabelo ze-Mutual fund B azidingi ukuhlawulwa kweentlawulo zangaphambili, kodwa zithwala umrhumo wokuthengisa okuthethiweyo (CDSC) kwaye unomrhumo ophezulu o-12b-1 (i-1% ye-12b-1 intlawulo iqhelekileyo) kunezinye iiklasi zezabelo zentengiso. Ii-CDSC ziirhafu ezibekwe kubanini-zamasheya abathengisa izabelo zabo kwingxowa-mali ngexesha lokunikezela. Ezi CDSC azihlawulwa kubacebisi, kodwa kwiinkampani zeengxowa-mali zijongene neendleko ezihlukeneyo, kubandakanywa neekomishoni zangaphambili iifowuni zihlawulela abacebisi (ngokuphindaphindiweyo ziphezulu kangange-4%). Abatyalomali abayiboni la ma komishoni angaphambili ahlawulwe ngemali ehlawulwa kubacebisi ababonelela ngeengxowa-mali zokuthenga.
Ii-CDSC ezicacileyo zichazwe kwi- prospectus ye-fund kunye neendleko kuxhomekeke kwithuba elide umtyalo-mali athatha ngayo izabelo zakhe.
Amanqanaba amaninzi e-fund ye-B ayenayo i-CDSC eyancitshiswa ibe yi-0% ngeminyaka yesithandathu, ngelixa unyaka wesisixhenxe, ukwabelana ngeengxowa-mali ze-Class B ziguqulela kwizabelo ze-Class A (ezingahambisani nokuhlawulwa kweerhafu kunye neentlawulo eziphantsi kwe-12b-1).
Ngaba B Ukwabelana Ngokuthenga Okulungileyo?
Kwezinye iimeko, ukuba uthelekisa iiklasi zee-share share fund, unokunikezelwa ngeemeko apho ulwabiwo-mali lwe-B olukhangeleka lukhangeleka ngakumbi kunezinye iiklasi zezabelo ze-fund efanayo.
Ngokomzekelo, ukuba usebenzisa i-software ye-FINRA ye-Fund Analyzer, unokufumana ukuba unikwe ixesha elide, kwaye ungaphantsi kwama-100,000-mali ukutshala imali kwintsapho enye yengxowa-mali, okokuba ama-share share fund (B), amaxesha amaninzi, afanelekileyo kunamasheya e-Class A (aquka ii-commissions ezithengisa phambili kunye neenkcukacha zokubambisana) kunye no-C amasheya (okubandakanya iimali ezi-12b-1 eziqhubekayo). Kodwa, njengawo nawuphi na utyalomali-umtyholi unokufumaneka rhoqo kwiinkcukacha. Ubulumko ukuba uhlale uqaphele xa usebenzisa iziganeko zokucinga ukufumana utshintshiselwano olungcono kwi-portfolio yakho.
Ngokomzekelo, imeko ye-FINRA ye-Fund Analyzer, kunye neendlela ezifanayo, unokuchaneka xa uthelekisa imirhumo yemali yeeKlasi A, iCandelo B kunye neCandelo C, kodwa ngaba oko kuthetha ukuba kufuneka uthenge amasheya e-fund? Yintoni eyenzekayo xa umphathi wakho weengxowa-mali uhamba? Yintoni eyenzekayo xa i-fund yonkcenkcesha iyahlanjululwa ngexabiso? Yintoni eyenzekayo xa isitayela somxhaso-mali sisuka ekukhuleni ukuya kwixabiso? Ngamanye amagama, kwenzekani ukuba ufuna ukuthengisa izabelo zakho ze-fund?
Ukuba udinga ukuthengisa isabelo esithile se-B yomzi-mali kunye naso nasiphi na esinye sezi zizathu, okanye ukwanelisa ukukhawuleza kwemali, usenokukwazi ukutshintsha ngokukhawuleza kwi-fund enye ukuya kwintsapho efanayo kunye neengxowa-mali ngaphandle kokubandakanya izigwebo (kodwa wena inokufumana inzuzo enkulu).
Ngoko, ingaba intsapho yeengxowa-mali ekuthengeni ngayo imali eyabelana ngayo yokuqala ye-fund ye-B inomnye imali eyaneleyo, okanye ngaba uya kunyanzelwa ukuba uhlale kunye nengxowa-mboleko ukuze unqande ukunikezela iindleko? Ukunyathela ngokucophelela ngaphambi kokuba uthenge izabelo ze-B ezihlangeneyo ezingakhange uphando ngononophelo ngaphambi kokuthenga kwaye cwangcisa ngokucokisekileyo isicwangciso sakho sokuphuma. Yintoni eyenzekayo xa / xa ufuna ukuthengisa?
Iingxaki ezingakumbi ngeeB zabelo
Kuya kubakho abacebisi, kwaye mhlawumbi ngaba batyalo-mali, abafuna ukuxubusha ukuba ukhetho lwezibonelelo ze-fund kunye nesigqibo esilungileyo-ukuphikisana ukuba bafanele abatyala-mali kwiimeko ezithile. Ngelishwa, indlela eyahlula ngayo iB iyacaciswa kwaye indlela abayithengisayo ngayo ingxaki enkulu ejongene nootyalo-mali namhlanje. Enyanisweni, ibhulogi enomdla, i-Broker Fraud Blog ibonisa amacala amaninzi apho i-FINRA ihlawulise kwaye ihlalutye iifenki zokurhweba ngokucebisa ngokungafanelekanga izabelo zeB.
Izigidi zeedola ngokubuyiswa ziye zahlawulwa kubalimi-mali kwimicimbi efanelekileyo kwiminyaka, ngelixa iifenki ezininzi zemali zentengiso zihlawuliswe kwaye zicutshungulwa, kwaye abanye abadayisi baye baqeqeshwa baze bamiswa emva kokuncoma le nkalo yeengxowa-mali zakwa-mutual kubani-mali. azifanelekanga.
Kulo mgca, izabelo zakwa-B ezihlangeneyo zihlala zichithwa njengemali-mthwalo, inqanaba elithile leemali ezihlangeneyo ezingathengisi imithwalo yokuthengisa, kodwa zingenza ezinye iirhafu. Ukuba uthotyelwe kule "ntlawulo" yeengxowa-mali zeBunds B ngomcebisi, gcina kwi-wallet yakho xa uphuma emnyango.
Ukubiza i-Goodbye kwii-B zabelo
Nangona banako ukufumana inzuzo kubacebisi, ukuhamba kwiminyaka emininzi edluleyo kuye kwaba yimali yokubambisana ukuze kupheliswe iiklasi zeBakala kwiinkampani ze-fund-line-ups. Ngo-Septemba 2009 ukukhululwa kweendaba, u-Allianze (inkampani yomzali ye-PIMCO Funds) wathi umgaqo-nkqubo wokumisa ukuthengiswa kwee-B zabelo "zihambelana nemigangatho yoshishino jikelele ekuthengiseni okuphantsi kwezabelo zeBakala kunye nomdla omkhulu kwi-advisory based based advice Iinkonzo ezi. kungekhona ngenxa yezizathu ezifanelekileyo, kodwa ngenxa yesakhiwo sabo esiphezulu sekhomishini kubacebisi.