Yintoni i-Mutual Fund Style kwaye Kutheni Kubalulekile?
Isimboli seMutual Fund: I-Market Capital - Imali
Imali ye-Stock ikwahlulelwa kuqala ngesitayi ngokwemilinganiselo yexabiso lemarikeji (ubukhulu boshishino okanye iqumrhu elilingana nexabiso lesabelo ngokuphindaphindiweyo inani lezabelo ezikhoyo):
- Iimali ezinkulu ze-Stock Stock zifaka imali kwiimpahla zeemashishini kunye neentengo ezinkulu zemarike, ngokuqhelekileyo ziphezulu kunezigidi ezili-10 zeebhiliyoni. Ezi nkampani zinkulu kangangokuthi mhlawumbi uvile ngabo okanye ungathenga izinto okanye iinkonzo ezivela kuzo rhoqo. Amanye amagama esitokisi amakhulu aquka iWal-Mart, i-Exxon, i-GE, i-Pfizer ne-Bank of America.
- I-cap-cap Iimali ze-Stock Invests zifaka imali kwiimpahla zeenkampani eziphakathi kweesayizi eziqhelekileyo, ngokuqhelekileyo phakathi kwe-$ 2 billion kunye ne-$ 10 billion. amagama.
- Iimali ze-Stock-Fund zincinci zifaka imali kwiimpahla zenkampani ezinobuncinane bemali, ngokuqhelekileyo phakathi kweedola ezigidi ezingama-500 kunye ne-$ 2 yezigidigidi. Ukugxininiswa okuncinci kubhekiselwa kuye ngokuthi "i-cap-cap" stocks.
Isimboli seMutual Fund: Injongo yokutyalomali - Amasheya
Iimali ze-Stock zizahlula ngokulandela injongo yazo, eziza kubalwa ngokubanzi kwi-Growth, Value or Objective Blend:
- Ukukhutshwa kweeNgxowa-mali eziKhulayo kutyalo kwiimali ezikhulayo, ezizi-stocks zeenkampani ezilindeleke ukuba zikhule ngokukhawuleza kunomlinganiselo wemarike.
- Ixabiso leeMali zeMali zifaka imali kwiimpahla zentengo, eziyi-stocks zeenkampani ezithatyathwa ngumtyalomali okanye umphathi wezikhwama zixhomekeke ekuthengiseni ngentengo ephantsi kunexabiso lemarike. Ixabiso leMali yeNgxowa-mali idlalwa ngokuba yi- Dividend Mutual Funds kuba ixabiso lesitokhwe lihlala lihlawula iindleko kubasomali-mali, kanti isitokhwe sokukhula asikhohla igalelo kumtyalomali kuba iqumrhu libuyisela igalelo ekuqhubekeni likhula.
- Iingxowa-mali ze-Stock Blend zifaka imali ngokuxuba kokukhula kunye nexabiso lempahla.
Isimboli seMutual Fund: Ukukhula kweBond Fund
Isitayela sebond ye-Bond siphule kwiiklasi ezibini eziphambili - Ukukhula kunye noKhuseleko lweMatyala:
Kwakhona ibonakaliswe njengengqesho yomyinge, ukukhula kunokucatshulwa njengesixa sithuba , esinokuthi sikhululeke kwaye siguqulelwe ukuba sichaze inani leminyaka yexesha lebhondi. Ingxowa-mali yokubambisana inokubamba amaninzi okanye amakhulu amabhondi kwaye ukuvuthwa kudla ngokubaluleka njengobungakanani obude beebhondi ezigcinwe kwingxowa-mali.
- Iimali ezifutshane zeBond zexesha elifutshane zityalomali kwiibhondi ezinokukhula okungaphantsi kweminyaka engama-4. Igalelo elincinci leemali ezifutshane zexeshana ze-Bond ezifutshane ze-Bond zezimali, eziza kutyalo-mali kwiibhondi kunye neemfuno ezingaphantsi konyaka omnye. Abatyalomali abanomsocoko bathambekele ekuthandeni iimali ezinxulumene nexesha elifutshane ngenxa yokuba banomdla ophantsi. Nangona kunjalo, iifom zesikhonkco zexesha elifutshane zinemivuzo ephantsi ebuyisela ixesha elide kuneemali eziphakathi kunye nexesha elide.
- Iimali zeBond zexesha eliphakathi ngokuthe ngqo zityalomali kwiibhondi ezinokulinganisela phakathi kweminyaka emi-4 neye-10. Ezi zimali zesikhonkco zinikeza inhlanganisela yembuyekezo efanelekileyo enobungozi bemingcipheko yemingcipheko , ke kutheni abatyali-mali abaninzi bathanda lolu hlobo olubalulekileyo lweebhondi: Iimeko zezoqoqosho zinzima ukuqikelela. Ngoko ke utyalomali "unokukhwela ucingo" lomngcipheko ngokutyalomali kwiimali zebhondi zexesha eliphakathi. Ukuba, ngokomzekelo, inzala yenzalo iya kunyuka, ixabiso lentengo liya kuhla. Ukuba sele ikhulile okanye ixesha elide, amaxabiso angamaxabiso amaninzi aya kuguquka (ngokubhekiselele kwinqanaba lentlawulo). Iimali zebhondi zexesha elifutshane ziza kwenza ngcono ekukhuleni kweemeko zentsingiselo kodwa iimali zebhanki zangexesha elide ziya kwenza ngcono ekuhlaleni kwezinga lentlalo. Iimali zebhondi zexesha eliphakathi zifumana umgangatho ophakathi.
- Iimali zeBond zexesha elide ngokutsha zityalomali kwizibophelelo ezinokukhula ngaphezu kweminyaka eyi-10. Ngako ke, ezi zimali zentengo zinomngcipheko omkhulu wenzalo . Xa ixabiso lomdla kulindeleke ukuba liwe, iibhondi zexesha elide libhetele phambili ekutheni ibhajethi enxulumene neentlawulo ezinxulumene neengxowa-mali ezifutshane kunye nexesha eliphakathi. Ukuchasene kuyinyaniso ngokunyuka kwamazinga omyinge (iindleko zebhondi zangexesha elide ziza kukhawuleza zifaniswe nokukhula okufutshane kunye kwaye kuya kubangela ukubuyiswa okungekho kumtyalo-mali wexesha elide).
Isimboli seMutual Fund: Ikhwalithi yeBhanki yeBhanki yeBond
Oluhlulo olubanzi lubonisa ukuba umnikeli ophantsi uhlawulela utyalo-mali. Unokucinga ngekhwalithi yekhredithi njengemaphu yenkampani okanye yelizwe. Amanqaku achazwa njengendlela yokulinganisa, eyenziwa yinkampani yokulinganisa, njenge-Standard & Poor's, kwinqanaba le-'AAA 'yekhwalithi ephakamileyo yeekhredithi ukuya kwi-'D' yokusilela.
Iibhondi eziphezulu zekhredithi zihlala zichongwa njenge- High Yield okanye "I-Junk" izibophelelo ngenxa yengozi enkulu yokungagqibekanga (kwaye ke izivuno eziphezulu ukuhlawulela abatyali bezintsalane kumngcipheko ochaphazelekayo ochaphazelekayo).
Qaphela kwakhona: Ibhokisi leSitembu seMasta
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.