Ezi Zingxowa-mali eziManyeneyo ziNgcinci zinganciphisa uMthetho oyiYilwayo weRhafu
Abatyalomali abanee-akhawunti zokurhweba ezirhafuweyo bahlakaniphile ukuba babambe iimali eziphathekayo zentlawulo kwaye kukho imali eninzi ekhoyo yokunyaniseka ukukhetha ukuba uyenze umsebenzi.
Enye yezona mpazamo ezinkulu zezocalo-mali abatyali abazenzayo kunye nezimali ezihlangeneyo zihluleka ukugcina iindleko eziphantsi. Ukunciphisa iindleko ngeemali ezihlangeneyo akufani nakwezinye iindlela zokunciphisa iindleko kwizemali okanye kwizentengiselwano zezimali, ngokubhekiselele kubhajethi, okanye ezinye iingcali zezemali zingabiza ukuhamba kwemali.
Ukunciphisa iindleko zakho (ukuphuma kwemali) kulungile nje ngokunyusa ingeniso yakho (imali engenayo). Iindleko zokukhawula kwiimali zomntu siqu zifana nokuziphakamisa.
Ngokufanayo, ukunciphisa irhafu kwi-akhawunti ehlawulwayo inempembelelo yokwandisa imbuyekezo yakho yentlawulo. Cinga ngale ndlela ngendlela echaseneyo: Ukuba uhlawula ngaphezu kwemfuneko yentlawulo, ugcina imali encinci kuwe; Ngoko uncitshisile ukubuyela kwi-investment yakho.
Iintlobo ezigqwesileyo zeeMali eziManyeneyo zokuNciphisa uMthetho oyiYilwayo weRhafu
Ngaphambi kokuba sifumane kwii-akhawunti ezifanelekileyo ze-Fidelity ukusebenzisa i-akhawunti yomrharensi ehlawuliswayo, makhe sijonge kwiintlobo zeentlobo zezimali ezisetyenziselwa ukunciphisa irhafu nokuba njani ezi zivumelwano zikwazi ukufezekisa oku.
Olunye uhlobo lwerhafu oluqhelekileyo kwiimali zengxowa- mali ziyimali eyinzuzo . Iimali zengxowa-mali zengxowa-mali ziya kufakwa kwiininzi okanye ngamakhulu emasheya. Ngethuba leyiphi na irhafu yonyaka werhafu, umphathi (s) wale ngxowa uya kuthenga kwaye athengise ubuninzi beempahla kwi-portfolio.
Xa umphathi uthengisa iifowi ezithe zafumana ixabiso ukusuka kwithenda athe athenge ezo zitofu, ezo zorhwebo zivelisa i-earnings capital, ezithe zagqithiselwa kumtyalomali (wena) ngendlela yokufumana imali eyinzuzo. Ngenxa yeso sizathu, imali ngemali engaphantsi, njengemali yenkcazo , ingaba yinkcitho engaphezulu kwerhafu kunezimali ezilawulwa ngempumelelo.
Olunye uhlobo oluqhelekileyo lokuhlawula irhafu oluvela kwiimali zengxowa-mali luveliswa ngamaxabiso . Ngoko ke, ukuba ufuna ukunciphisa irhafu, uya kufuna ukuphepha iingxowa-mali eziphathekayo eziphezulu, ezifana neengxowa-mali zexabiso lempahla enkulu. Iintlobo zeFund ezikhawulayo kwizabelo ezincinane zibandakanya iimali zesikhwama esincinci kunye neengxowa zemali yokukhula .
Sifake iintlobo zeengxowa-mali zentengo eziyimpumelelo yerhafu kodwa iimali zentsebenziswano yeekhonkco yiyo eziza kudingwa ukuba zihlakaniphe malunga nokuba kufike ekunciphiseni irhafu. Ukugcina iirhafu ubuncinci kunye neengxowa-mali, udidi olungcono lokuthenga iimali zezibhanki zikamasipala . Olu hlobo lweengxowa-mali zentengiso luthenga izibophelelo zikamasipala, ezikhutshwa nguorhulumente karhulumente kunye noomasipala. Ukukhuthaza utyalo-mali urhulumente, izibophezelo zikamasipala zikhululekile zerhafu yengeniso. Ukuba uhlala ngaphakathi kwiphondo okanye umasipala okhupha i-bond, ingeniso ingenakho irhafu kwilo nqanaba.
Iimali eziNgcono zoBulungisa ukuNciphisa iRhafu
Ngoku makhe sijonge kwiimpawu ezithile zeemali ezixhasanayo ezivela kwi-Fidelity engakwazi ukugcina iirhafu ubuncinci kwi-akhawunti yakho yokurhweba.
- I- Integrity Index Index ye-Market (FSTMX) ayikho imali ephezulu yokubambisa irhafu. Inani eliphantsi lokuthengiswa kwepesenti ezi-3 kuphela lithetha ukuba liya kugcina iirhafu kwiimali zentengo ephezulu kuncinci kune-stock average fund.I-ratio yeendleko ze-FSTMX yinqanaba elingu-0.095 kwaye ubuncinci bokuthenga kuqala ngu-$ 2,500.
- Ukholo oluncinci lwe-Cap Cap Enhanced Index (FCPEX) ligxininisa kwiimpahla zesikhombi ezincinci, ngokukhawuleza zikhawuleza izabelo ezingaphantsi xa kuthelekiswa nezitokisi ezinkulu. Ngokomzekelo, isikhwama semali esiphezulu se-stock stock sinokufumana isivuno se-2 ekhulwini okanye ngaphezulu, ngelixa i-FCPEX iya kuqhelana ngokuqhelekileyo ngaphantsi kwesigamu. Izivuno eziphantsi ziya kunceda ukugcina iirhafu ezingeniso. I-FCEPX imbethe ngokudlulileyo ngaphaya kwe-90 ekhulwini kwezinye iimali ezincinci zokubuyisela irhafu. Ixabiso leendleko liphantsi kwenkxaso-mali encinci kwi-0.68 yeepesenti kwaye inani elincinci lokutsalwa kwe-investment liyi-$ 2,500.
- Ukunyaniseka kwamazwe ngamazwe okuthembeka (i-FIGRX) yinkxaso-mali yesinye isizwe esithengisa ngokuyinhloko kwiitoksi zeenkampani ezingezizo zase-US. Iimali zengxowa yamazwe angaphandle azange zenzeke ngempumelelo irhafu kodwa i-FIGRX inerekhodi yomzila engcono kunezinga elifanelekileyo lokubuyisela irhafu kunye nokubuyisela ngaphezu kwe-average, edibanisa ukwenza i-FIGRX ibe yinto ekhethekileyo kubafaki-zimali abafuna imali ye-stock market kwi-akhawunti ehlawulwayo. Umlinganiselo weendleko ze-FIGRX ungaphantsi kwemilinganiselo kwi-1 ekhulwini kwaye ubuncinci bokutshala imali ngu-$ 2,500.
- I- Bidelity Free-Free Bond (FTABX) ibambelela iibhondi zikamasipala ezikhutshwa yerhafu yengeniso yomthetho. Uninzi lwezibhanki zibophelelweyo ezikhutshwa nguorhulumente belizwe kunye noomzi e-United States. Izibopheko zikaMasipala zihlala zivelisa isivuno esincinane kunezinye iimbopheko kodwa isimo sengeniso-ntlawulo sinokuvelisa isivuno esingenako irhafu esinokubetha ezinye iimbophelelo. Ngokuqhelekileyo, abatyali-mali abatyelele kwiibhakethi zerhafu eziphezulu bancedisa kakhulu ukugcina iimali zebhanki zikamasipala ezifana neFTABX. Umlinganiselo weendleko ngowama-0.25 wepesenti kwaye ubuncinci bokutshala imali ngu-$ 25,000. Ukunyaniseka kunika neengxowa-mali zebhondi zikamasipala ezigxila kumazwe, njengeCalifornia, eNew York naseMassachusetts. Abatyalomali abahlala kulezi zizwe bangakhetha ukusebenzisa le mali ukuze baxhamle inzuzo yerhafu karhulumente.
- Imali-mali yokuThengisa iMali yokuThengiswa kweNtlawulo (FMOXX) ingaba lukhethi olukhethekileyo kubatyalomali abafuna imali yokugcina imali yexesha elifutshane. Njengemali yezibophelelo ezingenaserhafu, i-FMOXX iya kuba luncedo kakhulu kubatyalomali kwiibhanki ezinxulumene nentlawulo ephezulu.
Yintoni Yokufuna Ukufumana Iifom Zakho Zentlawulo-Efanelekileyo
Ukuba kukho ezinye iintlobo zeengxowa ozifunayo kwi-akhawunti yakho ehlawulwayo, unokwazi ukujonga ezinye iinkalo ezibalulekileyo zokuqikelela ukulungiswa kwentela kwenkxaso. Enye yezobalo zibalo zerhafu yexabiso lentlawulo, okuyiyo umlinganiselo wendlela abatyala-mali abalahlekileyo ngayo ngokuqhelekileyo ngenxa yentlawulo. Umzekelo, ukuba ingxowa-mali yabanini-mali ibe neminyaka emi-5 yokubuya kwee-10 zeepesenti kunye nexabiso lentlawulo yerhafu yayiyi-1 ekhulwini, ukubuyiswa kwentela emva kwentela kuza kuba yi-9 ekhulwini.
Ezinye ze-intanethi ze-intanethi ze-intanethi ze-intanethi, ezifana ne-Morningstar, Inc., zinikezela ngolwazi malunga nomlinganiselo weendleko zerhafu kunye nezinye iinkcukacha eziphambili ezifana neentlawulo ezilungisiweyo zerhafu. Ngokomzekelo, kwi-Morningstar.com, unokwenza nje uthayiphe uphawu lwekitikhi kunye kunye nokukhangela inkxaso-mali ethile ekufunayo. Xa ufumana uluhlu lweengxowa-mali kwisiza, khangela itekithi ethi "Intlawulo" kwaye uklikhawule kuyo. Eli phepha liza kubonisa amanqaku aphambili eerhafu, njengenqanaba lentlawulo yerhafu kunye neentlawulo ezilungisiweyo zerhafu. Unokukuthelekisa oku kunye nezinye iimali uze ukhethe okulungileyo kuwe kunye neemfuno zakho zokutyalomali.
Ngaphezu kwazo zonke, abatyali-mali kufuneka bakhumbule ukubeka phambili iindlela zokutshala imali, ezifana nokungafani, ukunyamezela, kunye nokukhethwa kwemali kuxhomekeke kwiinjongo zokutyalomali, kungekhona nje ukusebenza kwerhafu kuphela. Ukwakha iphothifoliyo ezifanele iimfuno zakho kubaluleke ngaphezu kokunciphisa irhafu. Abatyalomali banokunciphisa iindleko ngokuthenga imali engekho mthwalo kunye namaxabiso angaphantsi kwamaxabiso.
Ukufumana ulwazi oluninzi malunga nokufumana imali engcono kunye neenjongo zakho zophuhliso, qiniseka ukuba ubone i-article yethu kwi- Mutual Fund Analysis: Izinto ezili-10 zokuhlalutya (kunye no-3 ukuyihoxisa) .
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.