Iimali zeMualual Fund ezenza umSebenzi olungileyo wokuLinganisa ingozi nokubuyela
Igama elithi "ukhuselekileyo" lixesha elifanelekileyo. Ukuba ufuna ukuthenga utyalo-mali oqinisekisiwe ukuba ungalokothi ulahlekelwe yintengo, awuyi kufumana nantoni na engayichazwa ngokuchanekileyo njengotyalo-mali, ezifana nezitokiselwano , iibhondi kunye neengxowa-mali eziphathekayo ezinobungozi bokulahlekelwa inqununu.
Ukuba ufuna i nqununu eqinisekisiwe, uya kufaka imali yakho kwi-akhawunti yebhanki okanye isitifiketi se-deposit (CD). Kodwa ekutshintshelweni kwesiqinisekiso, uya kuba nethamsanqa ukufumana into efumana ngaphezulu kwe-1%, ingakumbi ukuba i- FDIC iqinisekisiwe .
Akukho nto "eqinisekisiwe" (ngaphandle kweemveliso ezimbalwa ze-inshorensi ezikhohlisayo kunye neemali ezifihlakeleyo) endizibonayo kwiminyaka yonke eyi-15 njengomcebisi-mali ohlawula phezulu kunezinga lokunyuka kwamaxabiso, eliphakathi kwama-3%. Ukuba ufumana into engaphantsi kweleyo, wenza into endibiza ngokuba "ukulahlekelwa yimali ngokukhuselekileyo."
Ingcamango ebalulekileyo yokutyalo-mali kukukhula kobutyebi, oko kungenziwa kuphela ngokuphumelelayo ngokufumana umyinge wezinga lokubuyisela elihlawula ukunyuka kwamaxabiso ngexesha. Ukuba awukwenzi oku, imali yakho iya kuba yinto encinci kwixesha elizayo kunokuba likhoyo namhlanje. Oku kulahlekelwa yimali! Ngaba loo nto ifanelana nencazelo ephephile?
I-Safest Mutual Funds onokuyithenga
Ngaphambi kokubonelela ngemimiselo yeemali ezizikhuselekileyo, machaze ukuba sithetha ntoni ngokukhuseleko.
Okokuqala, khumbula ukuba ukhuseleko alisoloko lithetha ukuqinisekiswa; ngokukhuselekileyo ngokubanzi kuthetha ukukhusela ukugcina kwakho, okuquka ukuhlala phambi kwexabiso lentengo. Ngoko ke, ngokungaqhelekanga, ukukhuseleka kwi-inflation, kufuneka uthathe ubuncinane ubuncinane beengozi. Ngaphandle koko, uya kulahlekelwa yimali ngendlela enokuthi ithathwa njengokuba utshintsho olusemthethweni - apho ibhanki ibamba imali yakho kwaye ikuhlawule inzala encinci ngelixa lifaka imali ephezulu okanye ihlawulisele kwabanye abathengi bebhanki ngaphezulu izinga.
Kodwa kwakhona, ukuba ufumane imbuyekezo ephakamileyo ephezulu kunezinga lokunyuka kwamaxabiso, kufuneka uthathe inqanaba elithile lomngcipheko, oko kukuthi kufuneka uzimisele ukuwamkela ngokukhawuleza kwixabiso lemarike ukwenzela ukuba ufumane imbuyekezo ephezulu ngaphezu kwama-3% ngaphezulu ixesha.
Iimali ezizikhuselekileyo ezizimeleyo ezinokuthi zidibanise okanye zihlale zingaphambili kwexabiso lokunyuka kwamanani ngeqondo elincinci mali . Enyanisweni, kukho uhlobo oluthile lwezintlu ezisetyenziswa ngokuqhelekileyo njengento ekuthiwa yiyo "inqanaba lokungabikho komngcipheko" kwaye yiyo ibhondi ye- US Treasury Bonds .
Izigqibo ezimbalwa ezintle kwiimali ezibophelelweyo ezityalomali kwiibhondi ze-US Treasury ziyiVanguard Ixesha elifutshane le-Government Bond Index ( VSBSX ) kunye ne- Fidelity Revenue Government Revenue (FSTGX). I-VSBIX sele ijikeleze ukususela ngo-2010 kodwa ngo-2013 yabona ukulahleka okungaphezulu kwe-2% kwiimali ezininzi ze-bond kunye nale ngxowa-mali iphinde ihambe ngokubuyisela okuhle kwe-0.29%. I-FSTGX ilahlekelwe ngu-1.26% ngaloo nyaka kodwa ingaba iphakathi kwe-3% ne-4% ekubuyiseni kwexesha elide, kanti i-VSBSX ayiyi kufikelela ngaphezu kwe-3%.
Qaphela ukuba ndathi "ukulahlekelwa" ngale mali. Ngenxa yokuba umtyalo-mali engabambe iimbophelelo (babamba amasheya eengxowa-mali), iibhanki zemali zingabhubhisa imali , nangona i-fund ye-bond bond iya kuhlahloka ngokukhawuleza kwindleko kwikota yekhalenda malunga neminyaka esixhenxe ukuya kweyishumi.
Ngenxa yesi sizathu, ixesha lokutshala imali ubuncinane ubuncinane iminyaka emithathu lilungele ukutyalomali kwiimali ezibophelelweyo.
Iimali eziNgcono zeMual Mutual for Stability
Xa abatyali-mali bethetha ukuba bafuna ukhuseleko, bathetha ukuba bafuna ukuzinza kwixabiso okanye ukuguquka okuphantsi kwexabiso. Iintlobo zengxowa-mali zobudlelwane ziya kuhlala ziba neengxowa-mali ezilinganisiweyo okanye iimali ezijoliswe kumhla wokuthatha umhlala-phantsi , eziziimali zetyala ezibekelwe imali kwi-stocks, iibhanki kunye nekheshi, okanye ezinye iimali ezihlanganyelweyo, kwi-fund eyodwa.
Ngamanye amaxesha kuthiwa "imali yemali," iimali ezinokulinganisela kunye neengxowa-mali ezijoliswe ekujoliswe kuzo ziyakwenza ezahlukeneyo kwiimpahla ngendlela enokuthi ilahleko ayiqabile kodwa ukubuya kwexesha elide liphezulu kuneemali ezininzi zeekhonkco.
Enye yeemali ezilungelelanisiweyo ngeemali zentlawulo ezinzile ngaphezu kwezinga lokunyuka kwamaxabiso nguVanguard Wellesley Income (VWINX). Omnye weminyaka embi kunazo zonke kwiimpahla zango-2008, xa i-S & P 500 Index iyanqatshelwe ngama-37%.
I-VWX ilahlekelwe yi-9.8% kuphela, leyo ibetha i-90% yazo zonke iindleko ezixhasayo. Ukubuyiselwa kwexesha elide (iminyaka eli-10 okanye ngaphezulu) iphakathi kwama-7%. Ngamagama ahlukeneyo, umtyalo-mali ogqirhayo engakhange alahlekelwe yilahleko ye-10% kunyaka owodwa kwiminyaka engama-10 ubudala, kodwa isabelo seminyaka esiqhelekileyo ngaphezu kwezinga lokunyuka kwamaxabiso liyakucinga i-VWINX.
Ngokumalunga neengxowa-mali zomhlalaphantsi ekujoliswe kuyo, umngcipheko ophantsi kakhulu, imali ezinzile kakhulu iya kuba yile minyaka ejoliswe kuyo ekupheleni konyaka okhoyo. Umzekelo, njengoko ndibhalela oku, unyaka ngowama-2015. Ukuze kube nokuzinza kwexabiso elincinci, ndinokukhetha i-fund njengeVanguard Target Retirement 2015 (VTXVX), esele isilondoloze (malunga nama-45% esitokisini, i-45% kunye ne-5% imali ngoJulayi 2015), kwaye ngokuthe ngcembe iya kuthotyelwa ngakumbi xa ixesha liqhubeka.
Ngaphantsi kwe-Investment for Safety and Stability
Ngaphambi kokuthatha isigqibo sokwenza ukhuseleko lwakho oluqaqambileyo okanye uzinzo, qiniseka ukuba uyazi izinto eziphambili. Ukuba ufuna imali yakho engaphantsi kweminyaka emithathu, akusiyo inomdla wakho ukutshala imali kwiimali. Kwaye ukuba okokuqala kukukhuseleko, kwaye awuyikucingela ukufumana inzala-ntsi-niselo, imali ekudibeneyo mhlawumbi ayiyiyo ikhethekileyo.
Kodwa ukuba ufuna ukuqhubeka kunye (okanye ngaphezulu) ukunyuka kwamaxabiso kunye notyalo-mali lwakho, kuya kufuneka uthathe inqanaba elithile lomngcipheko kwaye uzimisele ukubona ukungaphumeleli okungafunekiyo.
Ukuba awuqinisekanga ukuba unobungozi bunjani kuwe, zama ukulinganisa ukunyamezela kwakho .