I-S & P 500 Index Index

Khangela iNgxowa-mali yeeNkcazo ngeeRatios ezisezantsi kakhulu

Nangona ixabiso elincinci lingathethi ukuba libhetele, i- S & P 500 Inkcazo yeeNkcazo zeentengo zihlala zihamba kunye namaxabiso angaphantsi kweendleko . Ngoko ngaphambi kokuba uphume kwaye uthenge imali engabonakaliyo yenkcazo ongayifumana, qiniseka ukuba ukhangele iimpawu zesixokelelwano ngaphandle kweendleko.

Nazi ezinye zeempawu zeengxelo zemali ozakufuna ukuzihlaziya ngaphambi kokucinga ukuthenga.

Ukuhlalutya Iphutha lokulandelela kunye nokuSebenza kokuFumana iIngxowa-mali ezincinci

Ngokomzekelo, kukho into ebizwa ngokuba yimpazamo yokulandelela , eyona mlinganiselo wendlela yokusebenza kwengxowa-mali yokuphendula okanye "ukufanisa" ukusebenza kwenkcazo yokubonisa.

Enye impembelelo malunga nokuphanda nokuhlaziya impazamo yokulandelela kukuba iintsapho zengxowa-mali zengxowa-mboleko azibonakalisi esidlangalaleni impazamo yokulandelela yeengxelo zabo zemali. Nangona kunjalo kukho iingqinamba ezimbalwa zeenkcukacha onokuziphanda ukuhlalutya ukulandelela ukusebenza. Unokuqala ngoluhlu lwee-S & P 500 zekhompyutheni zekhowudi apha eziphantsi, kodwa uyafuna ukuthelekisa ukusebenza.

Unokuya kwelinye lewebhu ezilungileyo zokuphanda iimali kunye nokubona indlela ekufuphi ukusebenza kwembali yengxowa-mali kuye kwinqanaba lokujonga. Ukuba iimbuyekezo zingezantsi kwebhenkethi ngokumalunga nomlinganiselo ofanayo njengoko ireyithi yexabiso leengxowa-mali (jonga ngezantsi), impazamo yokulandelela isondele. Ngokomzekelo, ukuba umlinganiselo weendleko zeengxowa-mali u-0.20% kwaye uneminyaka emi-5 yokubuya ngonyaka we-10.00%, kwaye ibhonkmark inokubuyiselwa kwe-10.20%, iphutha lokulandelela lichanileyo. Isishwankathelo ufuna ukusetyenziswa kweefowuni zakho zengqungquthela ukuba zibe ngaphantsi kwesilinganiselo ngokulinganisa inani elilinganayo njengenani leendleko.

Ukuhlaziya iRhafu yoNyaka yokuFumana iIngxowa-mali ezincinci

Emva kokukhangela ukusebenza kwembali, ngelixa uthabatha ixabiso lentlawulo kwi-akhawunti, okuya kukuxelela ukuba i-fund ilandelele njani iqhosha lokutshatyalaliswa kwixesha elidlulileyo. Umzekelo ukuba i-S & P 500 yeengxowa-mali zengxowa-mali inomlinganiselo weendleko ze-0.20% kunye ne-S & P 500 isalathisi esineminyaka emi-5 yokubuya kwe-10.00%, i-S & P 500 yengxowa-mali yecala lokufumana i-error (low). malunga no-9.80. Oku kuthetha ukuba ulwahlulo olulodwa phakathi kwesalathisi kunye nokubuyiswa kweengxowa-mali ngokubambisana kuxhomekeke kwiindleko zeengxowa-mali.

Ekugqibeleni, phambi kokujonga uluhlu lwethu kunye nokuthenga i-fund yakho ye-S & P 500 Index, qiniseka ukuba ugcine engqondweni kwezinye iirhafu, ezifana nezindleko zokurhweba. Umzekelo, ukuba unayo i-akhawunti kwiVanguard, unokuhlawulwa intlawulo yokuthengiselana ukuthenga i-fund joint, njenge-Schwab S & P 500 Index, engaphandle kwentsapho yabo yengxowa. Imirhumo yohlobo lwezinto zokuthengiselana zihamba phakathi kwe-$ 10 kunye ne-20. Ngoko ukuba unomyinge wexabiso-dolophu ngokuthenga ngezibonelelo ze-S & P 500 Index yesikhwama, ireyiti yeendleko ingaba yinto ephantsi kunazo zonke kodwa iirhafu zorhwebo zingenza imali leyo ibe yindleko kunokuba yinkampani ye-fund apho utyalomali khona.

Uya kufumana ezinye zeemali ezincinci zeS & P 500 ongazithenga nge $ 10,000 okanye ngaphantsi kwezidweliswe ngezantsi.