Stock Mutual Funds
Ukubeka nje, isikhwama se-stock yintlobo yenkxaso-mali ehlangeneyo ebeka imali ngokubanzi kwiimpahla zesebenzi zikarhulumente. Umzekelo, ukuba uthenga i-fund eneengxenye ze-GE, iMicrosoft, iProctorate neGamble, kunye neDell, ngoko unayo isikhwama se-stock.
Ezinye iimali zengxowa-mali zibandakanya izibophelelo kunye nemali kodwa iimali zamasitoreji ziya kubelwa ubuncinane ama-80% eempahla zeepotfoliyo kwimpahla.
Iinkqubo zokuTyala imali
- Ukuchithwa: Inzuzo yokuqala, kwaye ezinye ziza kuthi yinto ebaluleke kakhulu, yesikhwama samasitoreji ukuba unokutshala imali kwisikhethi esisodwa kunye nokufumana ukufikelela kwangangoko kwiimpahla zeempahla. Olu hlobo luya kunciphisa "ingozi ethile yenkampani" (umngcipheko ongokoqobo xa uthengela enye okanye izitokethi ezimbalwa).
- Ulawulo lweMali yoButyebi : Ukutshala imali kwisitokethi ngasinye akuthathi kuphela kuthatha izibonelelo, kodwa ixesha elikhulu. Ngokwahlukileyo, abaphathi beengxowa-mali zeempahla kunye nabahlalutyi bavuka ekuseni nganye bazinikezela ubomi babo bobugcisa ukuphanda nokuhlalutya ukubambezeleka kwezinto ezikhoyo kunye nezikhundla zabo kwi-stock fund.
- Utyalo-mali kunye nokuKhoxiswa kweNkqubo: Kulula ukutyalo-mali rhoqo kwi-stock fund. Iinkampani ezininzi zenkxaso-mali zivumela abatyali-mali ukuba batyale imali engama-$ 50 ngenyanga ngokuthe ngqo kwi-sikhwama se-stock ngaphandle kokuhlawuliswa kwentlawulo. Oku kubizwa ngokuthi iSicwangciso soTyalo-mali (Systematic Investment Plan (SIP) . Imali ingasuswa ngqo kwi-akhawunti yebhanki ize ityalwe ngqo kwisikhwama se-stock. Ngakolunye uhlangothi, imali iyakuthi ihoxiswe rhoqo kwisikhwama samasheya kwaye ifakwe kwi-akhawunti yebhanki. Ngokuqhelekileyo akukho mali ehlawulwayo kule nkonzo.
Umtyala woTyalo-mali
- Ukungabikho kobuNini: Abatyalo-mali abakhetha ukuthenga iimpahla ezichaseneyo kunye neengxowa-mali, bahlala bekhankanya ukuba banikezela amalungelo omnini kwisikhwama samasheya. Bhekisela kwi nyaniso yokuba xa uthengela isikhwama se-stock , ungumnikazi wesixokelelwano se-stock and not stocks in the fund. Ukuba ukhetha ukufumana iqela le-GE kwaye unamalungelo okuvota kwinkampani (nangona kunjalo, ngokuqhelekileyo isigxina kakhulu), ngoko uthenge isitokisi.
- Iindleko: Kwimeko yesikhwama se-stock, uza kuhlawula ulawulo oluqhubekayo lweengxowa-mali. Ukuba uthengela isitokethi, uze uhlawule ukuthenga isitokisi, kodwa ungayikhokheli enye imali uze uthengise isitokisi. Njengezinye iintlobo zengxowa-mali, iifowuni zentlawulo zinokuhlawula iintlawulo ezibizwa ngokuba yimithwalo . Ezi ntlawulo zinokuhlawuliswa kuyo yonke into yokuthenga okanye ekuthengiseni i-fund. Iimali zakwa-Mutual nazo zinemivuzo eqhubekayo ephuma kwimbuyekezo yeengxowa-mali. Ezi ndleko zibonakaliswe ngolu hlobo lwenani-mali, eliyi-pesenti yeefa.
- Ukukhetha ukugqithisa: ngamanye amaxesha ukhetho oluninzi lunokuba yingxaki. Ukuba ugqiba ukuthenga isikhwama se-stock, uya kufumana, ingaqondakali njengoko kungathi isandi, iimali ezininzi ze-stock ukukhetha kuzo zonke izitokhwe zorhwebo kwi-New York Stock Exchange. Hlalani nilungele ukuchitha ixesha kunye nezibonelelo ukuze niphume kwiintlobo zemali ze-stock kunye nokulawula iphothifoliyo yakho.
Ukulinganisa iNgxelo kunye neNgxowa-mali yeNgxowa-mali
Kubalulekile ukulinganisa iprogram nganye kunye neenkcukacha zokuba neengxowa-mali ngaphambi kokuthatha isigqibo sokwenza imali. Kwiimeko ezininzi, yintoni umtyalomali onokuyibona njengompro, omnye umtyalo-mali angabona njengombonkco (kunye nakwezinye izinto). Uninzi lwabatyalomali luya kuxhamla ekuqondeni ngakumbi malunga neenzuzo kunye neengxaki zeefowuni kunye nendlela yokuphepha iingcingo .