Ezi ziKhwama zeSwitch Top Are Quality Quality, Cheap Cheap, and Lowest Minimum
Iimali zengxowa-mali aziqinisekanga uhlobo oluthile lotyalo-mali kuninzi lwabatyalo-mali bokuqala kodwa imali ezininzi zinenani elincinci lokutsalwa kwe-$ 3,000 okanye ngaphezulu. Ngako oko, abatshali-mali abaqalayo kufuneka basindise amakhulu okanye amawaka eedola nje ukuba baqalise ukutshala imali kwimali .
Le ndleko ibangela ukunciphisa enye inzuzo enkulu yokutshala imali-ukuqalisa ekuqaleni.
Kodwa kukho iinkampani ezininzi zeengxowa-mali ezibonelela ngeemali ezihlangeneyo kunye nexabiso elincinci lokutsalwa kwezolimo. Nangona kunjalo, akukho zintengiso ezininzi eziphantsi kweemali eziphantsi kunye neemali eziphezulu ezingekho mthwalo kwi-investor.
Nangona i- Vanguard Investments i- Investment Investment inikezele ezinye zeemali ezingcono kakhulu ezingekho mthwalo kwiimarike, ubuncinci babo bokutsalwa kwezimali kwiininzi zabo zeemali zi-3,000 ne $ 2,000 ngokulandelanayo. Abaqalayo abaninzi abanelungelo lokuba ne-$ 2,000 okanye ngaphezulu ukuze baqalise ukutshala imali.
Kodwa ubuncinane ubuncinane benkampani yokuthengisa isaphulelo esineenkcukacha ezikhethekileyo zeemali ezizimeleyo zokuqala kootyalo-mali nguCharles Schwab . Kulungile, banemigangatho emininzi ephakamileyo, iimali ezingekho mthwalo ngexabiso elincinci lokuthenga elingu-100 okanye ngaphantsi!
Iimali ezingenakuninzi zeMali yokuTyala ukuqala ukuTyala nge-$ 100 nje
- I-Schwab Balanced Fund (I-SWOBX) : Iimali ezinokulinganisela zingaba yindlela efanelekileyo yoqalayo yokuqalisa ukutyalomali ngenxa yokuba idibansi ehlukeneyo (ibhalansi) yamasheya, amabhondi kunye nemali. Ngamazwi ahlukeneyo, imali elinganisiweyo ingaba iphothifoliyo epheleleyo ngokwabo! I-Schwab Balanced Fund ikwabiwe i-aseset yama-60%, i-35% kunye ne-5% yemali. Oku kwenza umlinganiselo ofanelekileyo (umgangatho ophakathi) ofanelekileyo ootyalo-mali abaninzi. I-SWOBX ibonisa umqhubi ophezulu ngaphezu komyinge kwaye unobutsha obutshanje bokutshala imali eyi-$ 100 kuphela.
- I-Schwab S & P 500 Index (SWPPX) : Kunzima ukungahambi kakuhle ngengxowa-mali yenkcazo ngenani elincinci lokuthenga eli-$ 100 kunye nomyinge wexabiso eliphantsi kwamadla e- 0.09% kuphela, aphikisana neengxowa-mali zeVanguard. Kwiimali ezi-100%, abatyali-mali baya kufuna ukukwazi ukubamba kwiimarike ezingenakukhunjulwa kweebhere , xa amaxabiso e-stock angancipha ngama-20% okanye ngaphezulu kwiinyanga ezimbalwa nje ezimbalwa. Nangona kunjalo, ukubuyela kwexesha elide (iminyaka engaphezu kwe-10) ye-stock index index iphakathi kwezona zikhuphisana kakhulu kwiintlobo zeengxowa-mali.
- I-Schwab International Core Equity (SICNX) : Ukuba ufuna ukukhulisa iphothifoliyo yakho ukubandakanya izitokhwe zangaphandle, le ngxowa-mali iphakathi kwezona zinto zingenakutyala imali kunye neyokuthenga ubuncinane ubuncinane be-$ 100. I-SICNX ithengisa kwiisitokisi ezinkulu (iinkampani ezinkulu) ezingaphandle kwe-United States. Amanqanaba omsebenzi wexesha elide aphakanyiswa nakwezinye iimali ezinkulu zehlabathi.
Abatyalomali kufuneka baqaphele ukuba ezinye iinkampani zengxowa-mali zinika inkxaso-mali engaphantsi kokuqala, njengama-$ 100 okanye ngaphantsi, xa umtyalo-mali ebeka i-akhawunti yomhlala-phantsi ngamnye (IRA) kwaye ubeka isicwangciso sotyalo-mali olusisigxina ngokukhawuleza ukurhoxisa i-$ 100 ngenyanga ngebhanki akhawunti yokufaka kwi-IRA.
Ngoku phuma kwaye uqalise ukutyalomali nge $ 100 nje!
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.