Iimali ezi-7 eziphezulu zokuNakekelwa kwezeMpilo zokuThengwa

Iimali eziPhambili zeMatual Fund kunye nee-ETF eziTyala kwiiShishini zeMpilo

Ukuba ukhangele imali efanelekileyo yokunakekelwa kwempilo, uya kubafumanisa phakathi kweemali eziphantsi kunye ne- ETFs . Ukuba ukwenza ngendlela efanelekileyo, utyalo- mali kwimali yecandelo luza kuba yindlela ephakamileyo yokuphucula ubude bexesha elide ngexesha lokunciphisa umngcipheko ngokusebenzisa ulwahlulo.

Ukunciphisa yonke i-fund efanayo kunye ne-ETFs ezityala kwiimpahla zentlalo kwintlu elincinci inokuba ngumngeni kodwa ukuba uyayazi iimpawu ezifanelekileyo ukujonga, ukhetha isikhwama sezempilo esilungileyo sinokulula.

Ngoluhlu lwethu lwemali yecandelo lezempilo, senze into eninzi kuyo.

Yintoni iSebe lezeMpilo?

Icandelo lezempilo, elibizwa ngokuba yimpilo okanye i-specialty-health, isigaba sotyalo-mali esigxile kwiinkampani zonyango, eninzi kwaye ehlukeneyo kunye namacandelo athile afakwe kuyo. Ezinye zeendawo ezithile okanye amacandelo amacandelo kwimboni yezempilo zibandakanya ama-conglomerate esibhedlele, iinkonzo zesikhungo, iinkampani zomshuwalense, iinkampani zonyango ezixuba imveliso, iinkampani ze-biotechnology kunye nabavelisi bezixhobo zonyango.

Kutheni Utyalole kwiMali yeeMali?

Abatyalomali bakhetha imali yemacandelo ezempilo ngezizathu ezibini eziphambili: ukukhula kunye nokuhlukahluka . Ngokubambisana necandelo lezekhnoloji, icandelo lezezempilo linye yezolimo ezikhula ngokukhawuleza. Ngabantu basebekhulile e-US kunye nenkqubela phambili kwezobuchwepheshe bezobuchwephesha, ukunakekelwa kwezempilo kungabikho icandelo lokukhula eliphambili iminyaka okanye emashumi ezayo.

Isizukulwana sokuzalwa somntwana, esizalwe phakathi kowe-1946 no-1964 sisiqendu esikhulu se-US. Ngoku se-50 yabo, ama-60 kunye nama-70, i-baby boomers ibona bathengi kakhulu kwimveliso yezempilo kunye neenkonzo.

Ngokubhekiselele kwizinto ezihlukeneyo, iimpahla zezempilo zibhekwa njengama-stocks ezikhuselayo kuba zivame ukwenza kakuhle (okanye zibe nokuncipha okuncinci) kwimarike yeebhere.

Ngaphandle kwintlupheko, abathengi basesidinga imveliso yezempilo kunye neenkonzo, ezifana namachiza, ukutyelela ugqirha, iziyobisi kunye nokunyamekela.

7 Iimali eziNgcono zeMpilo zokuThengisa

Kukho iintlobo ezininzi zeemali kunye kunye ne-ETF ezijoliswe kwiimpahla ezinobungozi zempilo kodwa zincinci kuphela ezinokudibanisa kungekho mithwalo , ukulinganiswa kweendleko eziphantsi kunye nokusebenza okude kwexesha elide. Akukho myalelo othile, nantsi iimali ezifanelekileyo zokunakekela impilo:

1. Ukunakekelwa kwezeMpilo kwiVanguard (VGHCX): IVanguard inikezela ngeemali ezimbalwa ezixhasayo ezithengisa kumacandelo kwaye i-VGHCX yenye yeyona nto ibhetele kwaye indala kumarike. Ukugxininisa kwimpahla yokunakekelwa kwempilo, njengeBristol-Myers Squibb (BMY) kunye ne-UnitedHealth Group (UNH), i-VGHCX yenye yeyona mali ihamba phambili kwiminyaka engama-20 edlulileyo. Ukuzuza kubantu abaguga kunye nokuqhubela phambili kwi-biotechnology kunye nezixhobo zonyango, i-VGHCX ingaba ngumqhubi ophezulu ngaphezu kweminyaka elishumi okanye ngaphezulu. Iindleko zingama-0.37 ekhulwini kwaye ubuncinci bokuthenga okokuqala ngu-$ 3,000.
2. Ukunyaniseka Khetha Ukunakekelwa KwezeMpilo (FSPHX) utshala inxaxheba ehlukeneyo yeempahla ezincinci kwicandelo lononophelo lwempilo, elibandakanya amacandelo afana namayeza, i-biotechnology, kunye nezixhobo zonyango kunye nezixhobo. Ngoko ukuba ufuna ukufaka izitokisi zempilo kwiphothifoliyo yakho kwaye wenze ukubheja kwexesha elide ekukhuleni kwecandelo lezeMpilo, i-FSPHX yinto ekhethileyo. Umlinganiselo weendleko zeFSPHX ngowama-0.74 pesenti kwaye ubuncinci bokuthenga okokuqala ngu-$ 2,500.

1. Ukunyaniseka Khetha i-Bio-Technology (FBIOX): Le ngxowa-mali iyaxhaswa kwi-bio-teknoloji ekhula ngokukhawuleza yonyango lwempilo. Nangona izitoko ze-bio-tech zikwazi ukuxabisa kakhulu, zinokuthi zibe nexesha elifutshane lokunciphisa. Ngako oko i-FBIOX inokuthi ithathwa njengengxowa-mali enobudlova, oku kuthetha ukuba kufanelekile ukuba abatyali-mali bexesha elide abangenakucinga ukunyuka kunye nokuhla kwezolimo. Umlinganiselo weendleko ze-FBIOX yi-0.75 yeepesenti kwaye ubuncinci bokuthenga okokuqala ngu-$ 2,500.
2. Iinkqubo zoBulungisa kunye neNkqubo zoLuntu (i-FSMEX) inika imali kwiinkampani eziphuhlisayo kwaye zenze iifowuni zonyango namanye amashishini ahlobene. Inani labantu abaguga e-US nakwihlabathi lonke lidale isidingo esingazange senziwe ngaphambili kwezixhobo zonyango kunye neenkonzo kwaye lo mkhuba unokuqhubeka nokuza kubonakala kwikamva elibonakalayo. I-FSMEX enye yeyona mali ephakamileyo ephakamileyo yokulinganisa kwi-Fidelity kunye nerekodi ye-market---beating returns-long-time. Umlinganiselo weendleko ngowama-0.76 wepesenti kwaye ubuncinci bokutshala imali ngu-$ 2,500.

1. I-ETF (VHT) I-VFM ye- Vanguard ye-Health (VHT) yinto ekhethileyo yokukhetha abatyala imali abazikhethela i-ETF kwiVanguard ye-VGHCX. Enye yee-ETFs zempilo ezahlukileyo kakhulu, i-VHT ilandelela ukusebenza kwe-MSCI US Careable Health Care 25/50 Inkcazo, enika abantu abatyali-mali ukuba bangene kuma-stock angu-370 kwiziko lempilo. Iindleko zingama-0.10 ekhulwini.

2. Iinkonzo zezempilo ze-SPDR ETF (XLV) zijolise kwiinkampani zonyango, iinkampani ze-biotechnology, abavelisi bezonyango, iinkampani zesibhedlele kunye nokunye. Ngabantu abaguga kunye nenkqubela phambili kumachiza, icandelo lempilo lilungele ukuba libe yikomiti ephezulu yokwenza ikamva elibonakalayo. Isizathu sokuba izitokethi zempilo zibhekwa zikhuselekile kukuba zivame ukubamba ixabiso layo libhetele kuneemarike ezibanzi ngexesha lokuncipha okukhulu. Abantu basesidinga imishanguzo yabo kwaye ba tyelele ugqirha kwiindawo zokumisa. Umlinganiselo weendleko ze-XLV ngowama-0.13 ekhulwini.

3. iShares Nasdaq Biotechnology ETF (IBB) ingaba yi-ETF engcono yokuthenga kwi-biotechnology stocks. Le ngxowa ilandela iNASDAQ ye-Biotechnology Index, equlethe ngokubanzi kwiimpahla ezinkulu ze-bio-tech njengeGiliyadi yeSayensi, i-Amgen ne-Celgene. Umlinganiselo weendleko ze-0.47 wepesenti yinkalo ephezulu ye-ETF kodwa isabaluleka kakuhle kwi-stock fund efanelekileyo.

Xa utyalo-mali kumacandelo, kulungile ukukhumbula ukunciphisa ukunikezelwa kwezinto ezincinci zeesabelo kwipotfoliyo yakho. Uluhlu olufanelekileyo lwabatyalomali abaninzi luphakathi kwama-5 ekhulwini kunye neepesenti ezili-10 zepototfolio. Izitokisi zezempilo ngokuqhelekileyo zixhobo ezilungileyo zohlukeneyo kodwa khumbula ukuba amanye amacandelo amacandelo, njenge-biotechnology angaba nefuthe elikhulu kwixesha elifutshane.

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. U-Kent Thune akayikubamba naziphi na iziqinisekiso ezibhalwe ngasentla njengale ncwadi kodwa ubamba i-XLV kunye ne-VGHCX kwezinye iakhawunti zabaxhasi.