Njengoko utyalomali, kubalulekile ukuqonda iintlobo ezahlukeneyo zeenkampani zakho ezifaka imali kwixabiso. Iimali zengxowa-mali zivela kwiinkampani ezineembali eziqinileyo, kodwa ezixabiso eliphantsi lifaniswe namanye amashishini. Imali yokukhula iyimpahla evela kwiinkampani ezimele zenze ithuba lokunyuka kwixabiso. Ezi zinokuthi zingenaso isivuno esiphezulu semali okanye izabelo, kodwa ukunyuka kwexabiso kukuhle kwipotifoliyo yakho yonke.
Ndingayisebenzisa njani iFund Fund kwiAkhawunti Yomhlalaphantsi?
Xa ukhetha imali yakho yokuthatha umhlalaphantsi, uya kuba nokukhetha okuncinci ukusuka kwiingxelo ezahlukeneyo zokutsalwa komhlala-phantsi umqeshi wakho anikezelayo. Kule meko, uya kufuna ukujonga phezu kweendlela ezahlukeneyo ezikhoyo kuwe. Ummeli wakho woxanduva lwabantu uya kuba nolwazi malunga neentlobo zotyalo-mali kunye nokubuyiselwa kweemali kwiindleko. Khumbula ukuba kwiminyaka yakho engamashumi amabini, ufuna utyalo-mali oluphezulu oluvelisa utyalo-mali, kwaye njengoko usondela kumhlala-phantsi ufuna utyalo-mali obuthathaka obuphantsi.
Ngama-401 (k), uya kukwazi ukukhetha kuphela kwiindlela ozikhethileyo eziya kunciphisa ukhetho lwakho. Ukuba uvula i- IRA ngokusebenzisa indlu yokutshala imali, unokusebenzisa kwakhona iimali zokuxuba njengenye yezinto ozikhethayo. Nge-IRA yakho, kufuneka ukwazi ukukhetha kwiindawo ezininzi ezikhethiweyo. Ukuba awuqinisekanga malunga noko ufanele ukhethe, unokuthetha nomcebisi wezezimali ukuze uthole ingcebiso eyongezelelweyo.
Ndingayisebenzisa njani i-Blend Funds kwi-My Own Investment Accounts?
Iimali ezixubileyo zikhethwa kakuhle ukuba uqala ukutyalomali. Ekubeni bancedisa ukusasaza ingozi ngokutyalomali kwiinkampani ezahlukeneyo, unomngcipheko omncinci kunokuba ungayifumana kwisitokethi esisodwa. Oku kungenza kube lula kuwe ukuba utyalomle ukuba unomdla ngokungena kwiimarike okokuqala. Ukuba ufuna uncedo olongezelelweyo, yinto efanelekileyo ukufuna uncedo lomcebisi wezemali . Unako ukuchaza indlela yokumisela iimbuyekezo kwiimali kunye nendlela yokulinganisa iimali zonyaka ngamnye ngemali. Emva kokuba ukhululekile ngakumbi, unokuzama ukutyalomali. Isisitshixo sokutshala imali ngokuhlakanipha kukuba neentlobo ezahlukeneyo kwiipotifoliyo yakho jikelele kwaye uhlale uzinzileyo xa iimakethe zikhuphuka okanye zihla. Ingxowa yokuxuba ibhetele kunokuba isitokisi ngasinye kuba isasaza ingozi kwiinkampani ezahlukeneyo ezahlukeneyo. Ukuba ufumene ukhetho lwezithuthi njengenye yezinzuzo zakho zomsebenzi, kufuneka uwathathe, ubambelele kwixabiso elifunekayo lexesha uze ubathengise kwaye utyalomali kwiimali zokudibanisa okanye uxhasane ngemali ukuze uncede ukusasaza ingozi yakho.
Ndingakhetha njani iFund Best Blend Fund?
Ukuba ukhetha olu hlobo lweengxowa-mali, kufuneka ukhangele ukukhula kubomi be-fund.
Ukongezelela kufuneka uziva ukhululekile kunye nokwabiwa kwempahla ye-fund. Kufuneka ukhangele kwiindlela ezininzi zokukhethwa kweengxowa-mali ngaphambi kokuba ukhethe okulungileyo kuwe. Kubalulekile ukubheka iindleko ze-fund nayiphi na iirhafu zonyaka ezidibene ne-fund. Uninzi lwezindlu zokutyalomali ziya kunika imali yokuxuba. Ngokuqhelekileyo iimali zemixube ziya kulandela ikhosi efana neyo-market. Kubalulekile ukuba ufune iingcebiso ezivela kwizakhono xa ungaqinisekanga malunga nendlela yokukhetha i-fund mix. Kufuneka unokuqwalasela iikhomishini ozihlawula umcebisi wakho wezezimali xa uthengisa okanye uthenge imali. Khumbula ukuba utyalo-mali kwimarike yemasheya kuthetha ukujongana notyalo-mali olude kwaye uzame ukungakhathazeki malunga nokunyuka kweemarike.