Indlela yokuba abantwana baqaliswe ngayo kunye ne-Mutual Funds
Eli nqaku alithinteli ukugcinwa kwemfundo ngokukodwa kodwa kugxininisa ingcamango yabantwana abaqala ukuqala ngokutyalomali. Oku kuthatha ixesha lokubamba ixesha elide, eliyiminyaka engaphezu kwe-10 kwaye mhlawumbi i-20, 30, 40 okanye iminyaka engama-50.
Kwakhona khumbula ukuba abantwana banokufaneleka ukuvula iAkhawunti yoMhlala-phantsi (i-IRA) ukuba bafumene imali. Ngokomzekelo, ukuba benza umsebenzi weeyadi okanye umntwana ohlala emsebenzini wehlobo, bangakwazi ukuqala i-IRA yabo kwaye baqale ukugcina umhlalaphantsi. Sebenzisa amandla okuhlanganisa umdla! Ekuqaleni baqala ukutshala imali engcono.
Kutheni i-S & P 500 Inkcazo zeeNgxowa-mali zingaba ziTyalo-mali ezingcono kwiintwana
Iingxowa-mali eziphezulu ze-S & P 500 zinokuba yindawo enokuqala ukuzakhela iipotifoliyo zeemali ezixhamlileyo ngenxa yokuba ezininzi zazo zinamaxabiso aphantsi kakhulu kwaye zinokukunika ithuba lokuzibonakalisa kwiininzi okanye amakhulu amabhonkco abamele amashishini ahlukeneyo kwi-fund eyodwa.
Ngoko ke, unokuhlangabezana nomnqophiso wokuqala wokufumana imali ephantsi-mali, eyahlukeneyo. Ngolunye ulwazi kwiimali zenkcazo, khangela iphepha lethu le- Index Investment FAQ . Kwakhona, iVanguard, i-Fidelity kunye ne-T. Rowe Price ziinkampani ezinxulumene neengxowa-mali zenkxaso-mali. Unokukhangela kwakhona uCharles Scwhab .
Utyalo-mali lwabantwana kaninzi luqala nge-One Mutual Fund kuphela
Ukuba ufuna ukuthatha indlela elula kakhulu kwaye utyalomali ngengxowa-nye kuphela , kukho iindlela ezimbalwa ezisebenza kakuhle ngokubhekiselele kwiindleko eziphantsi kunye nokubanzi:
- Iingxowa- mali ezilinganayo : Ebizwa ngokuba yimali ehlaziyiweyo okanye imali yokwabiwa kweefa, iifom ezilinganisiweyo zixhaswa ngemali kunye nolwabiwo-mali olulinganisiweyo lwempahla, iibhonki kunye nemali. Ulwabiwo oluhlala luhlala luhleli kwaye lugxotha ngokutsho kweinjongo okanye utshilo olukhankanyiweyo. Ngokomzekelo, iFundelity Balanced Fund (i-FBALX) inokwabiwa kwempahla yee-asethi ezingama-65, iibhonti ezingama-30 kunye neepesenti ezingama-5 zemali. Oku kubonwa njengengozi ephakathi okanye iphothifoliyo ephakathi . Le mabhanki amabhonki kunye neebhonksi inika udidi oluhle kwi-fund eyodwa.
- Umhla wokujoliswa kweeNgxowa-mali : Ukwabizwa ngokuba yimali yokujikeleza ubomi okanye i-target retirement funds, u- Target-Date Mutual Funds utyalo ekuxutyeni kwamasheya, iibhonki kunye nemali efanelekileyo ukuba umntu atyalwe de kube ngumnyaka othile. Njengoko umhla ojoliswe kuwo ufikelele, umphathi wezezimali uza kuncipha ingcipheko yemakethe ngokutshintsha impahla kwi-stocks kunye nakumabhonkco kunye nemali, nto leyo umtyalomali ngamnye ozenzayo ngokwabo. Ngoko ke, i-targeted-date-funds funds are "yeka kwaye uyibale" utsalo-mali. Ngokomzekelo, ukuba uyasindisa umhlalaphantsi kwaye ucinga ukuba ungasusa umhlala-phantsi malunga nomnyaka we-2035, ukukhetha okulungileyo ukuba ube nguVanguard Target Retirement 2035 (VTTHX). Emva koko unokuphelisa uphando lwakho, wongeza ngexesha elongezelelweyo imali entsha kwi-fund, kwaye ujonge iqela lakho linyama likhula njengoko uqhubeka ngokuphila ubomi bakho!
Indlela abantwana abanokuqalisa ngayo ukuTyala nge-$ 100 nje
Enye impembelelo yemali ephezulu yemigangatho yemigangatho yecala kukuba bafuna utyalo-mali obuncinane bokuqala ukuya kwii-3,000 zamawaka ukuqala. Nangona kunjalo, uCharles Schwab unemali emininzi yemigangatho yokubambisa imali kunye nobuncinci bokuqala abatyala imali engama-$ 100 . Nazi ezinye zezona zinto zilungileyo:
- 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 ikwabiwa kwempahla engama-60 ekhulwini, iibhonti ezingama-35 kunye neefesenti ezingama-5 zemali. 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 ngesikhwama seenkcazo ngexabiso elincinane lokuthenga i-$ 100 kunye nomyinge wexabiso eliphantsi kwamadwala angama-0.09 ekhulwini, ephikisana neengxowa-mali zeVanguard. Kwiimali zepesenti eziyi-100, abatyali-mali baya kufuna ukukwazi ukubambelela kwiimarike ezingenakukhunjulwa kweebhere , xa amaxabiso e-stock eyancipha ngama-20 ekhulwini 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.
Enye indlela yokufumana ukunciphisa inani elincinci lokutsalwa kotyalo-mali kukufaka isandla nge-IRA kwaye zibophelele kwisicwangciso sotyalo-mali . Ngalolu lungiselelo, ungaqalisa ukutshala imali kunye ne-$ 100, nje ngokuba uqhubeka utyalo-mali rhoqo.
Ngoku uphume kwaye ufumane abo bantwana baqalisa ukutshala imali!
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.