Ngaba abaTyalo-mali bexesha elide bangasebenzisa njani i-Mutual Funds
Ngokomzekelo, ukuba umcebisi-mali ucela imibuzo ukulinganisa ukunyamezela kwakho, bafuna ukufumanisa ukuba zeziphi iintlobo zokutyalombela zifanelekile kunye neenjongo zakho zokutshala imali, ezibandakanya ixesha eliza kutyalomali. yenza-it-yourselfer: Kubalulekile ukukhetha iimali ezifanelekileyo ezifanelekileyo kuwe nezidingo zakho zemali.
Ngoko ukuba awulindele ukuba wenze ukurhoxiswa kwi-akhawunti yakho ye-brokerage ubuncinane iminyaka eyi-10, unokuthi uthathwa njengomtyalo-mali osisigxina. Yaye ukuba ungalali ubuthongo ebusuku uxhalabile ngeendlela zakho zemali ezisebenzisana ngayo imihla ngemihla, ngenyanga, okanye ngekota, unokuthatha ingozi enkulu kwaye ube nobudlova.
Indlela yoba ngumtyalomali wexesha elide
Ngokuqhelekileyo umtyalo-mali ohlala ixesha elide uqeshe isicwangciso sokuthenga kunye nesibambiso , apho iimali ezikhethiweyo zikhethiweyo kwaye zithengwa kodwa zingatshintshanga kakhulu ukuya kwiminyaka emininzi okanye ngaphezulu. Esi sicwangciso siye sachongwa ngokugqithiseleyo isicwangciso sephothifoliyo .
Umtyalo-mali osisigxina unokukwazi ukuthabatha umngcipheko wokuthengisa imali. Ngoko ke, ukuba bengenakucinga ukuba bathatha ingozi ephezulu, bangakhetha ukwakha iphothifoliyo enobudlova .
Abatyali-zimali abanentlonelo bazimisele ukwamukela ixesha lokunyuka kweemarike ezigqithiseleyo (ups and downs in value value) ngenjongo yokufumana ithuba lokufumana inzuzo ephezulu yexabiso lokuphuma kwamanani entengo kwi-marge ebanzi.
Isampuli esinobudlova esabiwe ngama-asethi angama-85% Amasheya, ama-15% eBond.
Imizekelo yeeNgxowa-mali ezilungileyo kakhulu kwixesha elide lokutyalomali
Uhlobo lokuqala lotyalo-mali abaninzi abantu bacinga ngalo malunga nokutyalomali-mali olude ixesha elide. Oku kungenxa yokuba baye bafumana imilinganiselo ephezulu yembuyekezo yokubuya kunokuba abanye abatyala imali kunye nokugcina izithuthi, ezifana nezibophelelo kunye neZatifikethi zeDistim (iiCD).
Iimali zengxowa-mali, ngokukodwa iimali zesikhwama sokukhula kunye neengxowa-mali ezikhuselekileyo zokugcina iimali zifanelekile kubanini-mali-mali bexesha elide. Abaninzi-mali abatyali-mali abaninzi banokuthanda ukusebenzisa imali yenkcazo ngeendleko zabo eziphantsi kunye nokuthambekela kwabo kumyinge wokubuya okuhle ngexesha elide, njengeminyaka eyi-10 okanye ngaphezulu.
Utyalo-mali luthembisa ezinye zezona zinto ezingcono kakhulu zokungahlawuli imali, ezifana ne- Fidelity Growth Inkampani (FDGRX) , i- Fidelity Mid-Cap Stock (FMCSX) kunye ne- Fidelity Low-Price Price (FLPSX) . I-Vanguard inomnye wemali engcono ye-S & P 500, i- Vanguard 500 Index (VFINX) .
Isishwankathelo, umyalelo wokuqala wezokwakha ukwakha iipotifoliyo zeemali ezixhasayo kukuqinisekisa ukunyamezela kwakho kunye nexesha lakho lokubamba. Ngokuqhelekileyo, ixesha elide ixesha lakho lokubamba, ubuninzi bakho amandla okubeka ingozi.
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.