Jonga iiNgqungquthela eziPhambili zoTyalo-mali lwaMazwe ngamazwe
Ukwenza lolu luhlu lweemali zeempahla zamazwe ngamazwe, ndazicima iimali zeemithwalo kwaye ndaqwalasela kuphela iimali ezilinganisiweyo ze- 4- kunye ne- 5 , ngokubhekiselele kuphando oluphezulu lweengxowa-mali kunye nokuhlaziywa kwenkampani, Morningstar, Inc.
Ngako oko konke okuya kukubona kukuba yiyona mveliso engcono kakhulu engekho imithwalo yempahla.
Uludwe luhlelwe ngodidi. Ngokomzekelo, ndiza kuqoqa ndawonye iifom zenkxaso-mali kwaye ziza kubandakanya ezinye iimali zentengiso ezinokuthi zityalomali kwiimarike ezikhulayo okanye kwi-stock-stocks. Ndiza kugxininisa ezimbalwa ezigxila kwingingqi ethile, njengeYurophu okanye iAsia.
Ngoko ngaphandle kwe-ado eyongezelelekileyo, nantsi iimali eziphezulu ze-stock to buy:
I-Best Export Index Index
Iimali zenkcazo zingaba yindlela efanelekileyo yokufumana ubume obubanzi kunye neentlobo ezahlukeneyo kummandla omkhulu weemarike ngeendleko eziphantsi. Kule meko, siya kugxininisa imali yenkcazo kutyalo-mali kumanye amazwe:
- I-Vanguard Iyonke ye-International Stock Index (i-VGTSX): Ukubhenca ngokubanzi kwiisitokhwe zangaphandle, zombini iimveliso zezoqoqosho eziphuhlisayo kwaye zikhulayo , kunzima ukubetha i-VGTSX. Le ngxowa ilandelela i-FTSE Global All Cap yase-US Index, equkethe ama-6,000 angama-US amasheya. Umlinganiselo weendleko ze-VGTSX ngowama-0.19 weepesenti ezantsi kwaye ubuncinci bokutshala imali ngu-3,000.
- I-Fidelity International Index Fund (i-FSIIX): Le ngenye yeengxowa- mali zengqungquthela yamazwe ngamazwe angabonelela ngokubanzi kunye nokuthengwa okuncinci kuma-stocks angaphandle. I-FSIIX ilandelelanisa inkcazo ye- MSCI EAFE , equkethe ama-900 angama-US amasheya. Umlinganiselo weendleko zeFSIIX ngowama-0.19 weepesenti kwaye ubuncinci bokutshala imali ngu-$ 2,500.
- I-Vanguard ye-European Stock Index (i-VEURX): Ingxowa yenkwenkwezi ye-3 kuphela endiyivumelekileyo kwoluhlu, i-VEURX ingaba yinkxaso engcono ye-index yokuthenga ama-stocks aseYurophu. Isilinganiselo saso siza kuba siphezulu xa iirejista ezifutshane kunye nexesha eliphakathi liphezulu. Kodwa xa utyalo-mali kwi-index index, uzimisele ukunamathela kufuphi nekhompyutheni, leyo le ngxowa-mali eyenziwe ngaphambili. I-VEURX ilandelela i-Yurophu ye-FTSE ephuhlisiweyo Yonke i-Index ye-Cap, equkethe ama-1,200 ama-stocks aseYurophu. Umlinganiselo weendleko ze-VEURX yi-0.26 yeepesenti ezantsi kwaye ubuncinci bokutshala imali ngu-3,000.
I-Great Cap Cap-Managed International Stock Funds
Ukuba ufuna ukuhamba kude nokuthembeka kweemali zenkcazo kwaye uthathe ingozi eyongeziweyo ukuze ukwazi ukufumana imbuyekezo ephezulu, jonga ezinye zeemali eziphathekayo eziphathekayo eziphathekayo ezithengisa ngokubanzi ezithengayo iimpahla ezininzi ezingaphezulu kwamanye amazwe.
- I-Tweedy Brown Global Global Value (TBGVX): Le ngxowa-mali ye-stock ephezulu yamazwe ngamazwe ifezekisa iklasi yayo ibetha imbuyekezo ngokukhangela amathuba okuthenga kakuhle kuwo wonke umhlaba, ngokubanzi ngaphandle kwe-US nakwiinkampani ezinkulu. Esi sicwangciso senza i-TBGVX ingxowa-mali enkulu yesizwe. Imbuyiselo yeembali ziye zafaka i-fund ngaphambi kwe-95% yecandelo leontanga. Nangona ixabiso leendleko libiza kakhulu kwi-1,37 yeepesenti, ubuchule bokubuyiselwa kwemali engabonakaliyo kunokukwenza ixabiso elidibeneyo lixabiseke. Utyalo-mali obuncinane bokuqala u-$ 2,500.
- Ixabiso le-Artisan International (ARTKX): Olunye uhlobo lwamaxabiso aphesheya kwamanye amazwe, i-ARTKX iye yawabetha ngokubanzi imida yerhafu kunye nenqaku eliphambili le-stock international, i-MSCI EAFE. Iphothifoliyo yesikhwama ijolise kumaziko angama-43, leyo inenani elincinci kodwa iqela lolawulo oluhlangene ne-ARTKX lenze kakuhle ngomthwalo ongciniweyo weempahla zokulawula. Umlinganiselo weendleko ze-ARTKX unengqiqo kwi-1,17 yeepesenti kwaye ubuncinci bokutsha-mali bokuqala batyathengwa kubatyali-mali abaninzi kwi-$ 1,000. Njengalo mbhalo, i-ARTX ivaliwe kubatyalomali abatsha kodwa ukuvalwa kweengxowa zivame ukuba zisesigxina (kunye nesibonakaliso esihle solawulo oluqilileyo).
Iifom zeNgxowa-mali zamaZiko aMazwe ngamazwe aMaMakethi aPhakamileyo kunye noTyalo-mali oluPhezulu
Kubatyalomali abakulungele ukuthatha inqanaba eliphezulu lomngcipheko wokubakho kwembuyekezo ephezulu, kukho ukhetho olusisigxina sezimali , njengalezo zityalo-mali kwiimarike ezikhulayo kunye / okanye ezincinci zesikhombisi zeenkampani ezingezizo zase-US.
Ngaloo mva, nantsi ezinye zeemali zezona zizwe ezilungileyo kakhulu zokufumana uxolo:
- Ulwabiwo lwamaLwandle oLwandle oluPhezulu loKhula kunye neNgeniso (i-SFGIX): Le ngxowa-mali inika imali kwiimarike ezikhulayo, ngokuqhelekileyo amazwe kunye nemimandla enokuthi iphuhlise uqoqosho. Imizekelo yezinye iimarike ezikhulayo ziquka iBrazil, iChina, iRashiya kunye neIndiya. Nangona i-SFGIX sele ijikeleze ukususela ngo-2012, itshaywe ngaphezu kwama-95% kwezinye iimarike eziphumayo kwiimali zelo xesha (njengowokuphela ko-2016). Umlinganiselo weendleko we-1,14 pesenti ungaphantsi kwemilinganiselo yeli hlobo leengxowa kwaye ubuncinci bokutshala imali ngu-$ 2,500.
- I-T. Rowe Iimarike eziPhakamileyo zeMatriki I-Stock (i-PRMSX): Ukuba ukhangele i-fund yeemarike eziphumayo eziphakamileyo kakhulu kunye nerekodi ende ende ye-average-average performance, i-PRMSX yinto ekhethekileyo. Le ngxowa-mali sele ijikeleze ukususela ngo-1995, oko kuthetha ukuba i-weathered iminyaka engama-20 yeemeko zemarike. Kwaye iimbuyekezo zihlala zihamba phambili kumgangatho werhafu. Umlinganiselo weendleko ze-1,24 pesenti ungaphantsi kwemyinge yeli hlobo leengxowa kwaye ubuncinci bokutshala imali ngu-$ 2,500.
- I-Fidelity Yonke iMakethe yeMakethe Ephumayo (i-FTEMX): Le ngxowa inika imali kakhulu kwiimarike ezikhulayo (ubuncinane ubuncinane kwi-portfolio) engama-60 kodwa ityala imali kwiimveliso zeemarike ezikhulayo. Ngoko ke abatyali-mali bafumana ukulinganisela kweempahla kunye neebhonksi kwingxowa-mali eye yakuba yinto engaphantsi kwemilinganiselo Ixabiso lentengo ye-1.39 ekhulwini ngumyinge weemarike ezithengayo kunye neemali zokutshala imali esincinci i-$ 2,500.
- UMasipala waseAsia u-Asia oPhakamisayo (uMASX): Ukuba ufuna i-fund ephakamileyo ephakamileyo ekugxininisa ukugcinwa kwayo e-Asia, i-MEASX yenye yeyona mali efanelekileyo yokuyenza loo msebenzi. UMasipala waseAsia yinkampani yokuxhasana kunye neengxowa-mali zeAsia, oku kuthetha ukuba banamava kunye nolwazi lokutshala imali kumazwe afana neChina, iNdiya, iSingapore, eHong Kong nasePhilippines. Le ngxowa-mali iphela kuphela ukususela ngo-2013 kodwa ukurekhodwa kwirekhodi ukususela ngoku bekuye kwandula i-stellar kwaye amava eMathews Asia unikezela abatyalo-mali ukuba baqiniseke ukuba ukubuyela kwexesha elide kunokuqhubeka nokuhlala ngaphezu komyinge woluhlu. Umlinganiselo weendleko ze-1.50% ungaphezulu kwesilinganiso seemarike ezivela kumazwe angaphandle kodwa iqela lolawulo elijongene nolwazi lunokuba lufanele i-premium. Utyalo-mali obuncinane bokuqala u-$ 2,500.
- Ama-Opportunity International Opportunities (i-WAIOX): Ukuba uzimisele ukuthatha umngcipheko wokuba umngcipheko ophezulu wama-stocks osezantsi, unokufuna ukucinga ngokutshala imali kwingxowa-mali efana ne-WAIOX efaka inkampani ezincinci zamazwe ngamazwe. Ukutshala imali kwiinkampani ezincinci ziyakwazi ukubuyela kwiimbuyekezo ezide ezide ezide kodwa, njengoko kunjalo, akukho ziqinisekiso zale nto. Kodwa ngokusekelwe kwimbali, i-WAIOX inika ngokwemigangatho-ukushaya ukusebenza. Umlinganiselo weendleko ze-2.25 ekhulwini uphakamileyo kwilolu hlobo kodwa inzuzo ingakubiza iindleko. Utyalo-mali obuncinane bokuqala u-$ 2,000.
- I- FISMX ye- Fidelity International Fund (FISMX): Abathengi abafuna ukugxininisa ngokukodwa kwiimarike ezikhulayo ezithengayo iimpahla kufuneka bajonge ngeFISMX. Njengengxowa ye-Wasatch, i-Fidelity International Small-Cap iye yavelisa imbuyekezo ephakamileyo ngokuthelekiswa nezinye iimali zentengiso ephumayo. Nangona kunjalo, i-FISMX inexabiso eliphantsi lentlawulo (1.31%). Utyalo-mali obuncinane bokuqala u-$ 2,500.
Igama lokugqibela lokulumkisa kwiiNgxowa-mali zamazwe ngamazwe
Iimali zengxowa-mazwe ngamazwe ngamazwe zingabangela umngcipheko olungakumbi kwimarike ngaphandle kokuba iimali ezizimeleyo ezityalwe kwiimpahla ze-US zamazwe ngamazwe zinganikeza ukungafani kwiiphothifoliyo kodwa abatshali-mali abaninzi banokugcina ipesenteji ekwahlukileyo jikelele ukuya kuma-10 ukuya kuma-20 ekhulwini.
I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.