Jonga iiNgxowa-mali ezigqwesileyo ukuphelisa iminyaka eyi-10
Iingxowa-mali eziziintlobo ezifanelekileyo zokuthenga ngo-2018 no-2019 ziya kubandakanya ididi yeendidi ezahlukeneyo. Abatyalo-mali abahlakaniphile abazami ukuchitha ixesha kwimarike ngokungena kunye nokuphuma kwetyalo-mali kwixeshana elifutshane kodwa kunoko baya kuqesha isicwangciso sokuthenga kunye nesibambiso kwixesha elingaphezu konyaka omnye. Ngaloofilosofi yokutyalomali engqondweni, sinokukwazi ukuba zeziphi iimali ezifanelekileyo zokuthenga kunye nokubamba u-2018 no-2019.
Xa ukhetha imali efanelekileyo yokuthenga, kungakhathaliseki ukuba ubude bexesha lokubamba, abatyali-mali bayakwazi ukukhetha phakathi kweendleko eziphantsi kweendleko eziphantsi, ezingekho mthwalo.
Kungenxa yokuba ukugcina iindleko eziphantsi kuyimpawu ebalulekileyo yokuvelisa inzuzo ephezulu, ingakumbi ngexesha elide.
Isicwangciso sokuBamba iiNgxowa-mali eziMnandi kwixesha elide
Ngoku ngokukhetha iimali ezingcono kwixesha elide leminyaka, njenge-2018 neye-2019: Iimeko zemarike kunye nezoqoqosho zinzima kakhulu ukuqikelela ngexesha elifutshane, ngokukodwa kwabo bangaphantsi konyaka omnye. Kodwa xa ukwandisa ixesha lokubamba iminyaka emibili okanye emithathu, unokwenza izibikezelo ezifanelekileyo.
Nangona abaphathi beepotfoliyo babalaseleyo bayazi ukuba bangenza ngaphantsi kweemarike eziphakathi kweyodwa kwiminyaka emithathu. Kodwa ukuba bayakwazi ukunqoba ezimbini kwiintathu, benza kakuhle.
Ngaloo mva, nantsi imali engcono kakhulu enokukwazi ukuba yienkokheli kwiminyaka ezayo.
Iimali eziPhambili zeMual Mutual zika-2018 no-2019: iiNgxowa-mali
Siza kuqalisa uluhlu lwethu lweemali ezigqwesileyo ezigxilwe kwiisitokisi:
- I-Index ye-Vanguard 500 (VFINX): Xa kwakhiwa iipotifoliyo zeemali-mali , kulungile ukuqala ngesikhwama-sikhokelo se-stock stock njengento ebambeleleyo. Imali yenkcazo yemali yesitokethi iyonke inokukhetha kodwa iinjongo eziphambili ngo-2017 ukuya ku-2019, ingxowa-mali yenkcazo efana ne-VFINX iya kuba ngcono kuba i-stock stock funds ziquka amasheya amancinci amancinci, okuya kubona ukuncipha okubalulekileyo ngexesha lokulungiswa okuyinzekayo ngexesha leminyaka emithathu. I-VFINX inomlinganiselo weendleko eziphantsi kwamanqaku we-0.16 ekhulwini kunye nokuthengwa okuncinci kwee-3,000 zamaRandi.
- I-Vanguard Mid-Cap Index (VIMSX): Ukulungiswa okukhulu (ngaphezu kwe-10 ekhulwini kwehla kwamanani entengo) kunokwenzeka kakhulu kwixesha le-2017 ukuya ku-2019. Izitokhwe ezincinci kunye ne-stock cap-stocks zingase zinciphise kwixabiso elingaphezu kweenqwelwana ezinkulu, nto leyo yokucinga i-VFINX njengento ebambeleleyo. Nangona kunjalo, i-dollar eqinileyo yase-US ngo-2017, eyongezelwa ngo-2018, ingaba ngcono ngakumbi kwiimpahla zesikhokelo. Yingakho ii-caps eziphakathi ziba "kwindawo enothabathekileyo" yokutyalo-mali, apho abatyalo-mali bangabamba khona ngaphezulu kwiimarike zeenkomo kodwa kungabi nakwezinye izinto eziphantsi kweemarike. I-VIMSX inexabiso leendleko zee-0,20 zepesenti kwaye ubuncinci bokutshala imali e-$ 3,000.
- Ukunyaniseka Khetha i-Staples yabathengi (i-FDFAX): Iimali zidlulileyo kwiimarike zeebhere kodwa akusizi ukuphuma ngokupheleleyo kwi-stocks kwaye zilindele ukulungiswa okuza kuza ngaphambi kokuba uphinde ungene. uthintela umngcipheko ngotyalo-mali kwiindawo ezikhuselekileyo ezifana nezitshixo zabathengi, eziyiinkampani ezithengisa iimveliso kunye neenkonzo ezithengwa ngabathengi, kungakhathaliseki ukuba ziimeko zezoqoqosho. Ngexesha elihle nakwizinto ezimbi, sisadinga ukutya, iimpahla kunye nokunakekelwa kwezempilo. Umlinganiselo weendleko ze-FDFAX ngowama-0.77 weepesenti kwaye ubuncinci bokutshala imali ngu-$ 2,000.
- Ukunakekelwa kwezempilo kweVanguard (VGHCX): Icandelo leenkonzo zonyango lilahlekile ngo-2016 kodwa kwakungenxa yokulungiswa emva kweminyaka yobukhokeli bemakethe. Nangona kunjalo, abantu abaguga kunye neentuthuko kwi-biotechnology kwenza ukuba kubambe ixesha elide elide malunga naliphi na iphothifoliyo. Icandelo lezeMpilo, elibandakanya amayeza, izibhedlele, izixhobo zonyango kunye neminye imveliso yempilo kunye neenkonzo, akenzi nje kuphela ukubambelela kwexesha elide kodwa unokuba ngumsebenzi okhuselekileyo wokukhusela xa ukulungiswa okungeke kwenzeke. I-VGHCX inexabiso leendleko ze-0.36 ekhulwini kwaye ubuncinci bokutshala imali eyi-$ 3,000.
- I-Vanguard Energy (VGENX): Amandla kunye namanye amacandelo anokuxhomekeka kwizinto ezibonakalayo zivame ukugqithiselela ekupheleni komda wezoshishino, apho i-USeconomy ikhona ngo-2017 kwaye mhlawumbi ibe ngowama-2018 no-2019. ithuluzi ngenxa yokunyuka kwexabiso lentengiso akuhambelananga kakhulu nakwiimpawu zeemarike ezibanzi, ezifana ne-S & P 500. I-VGENX inexabiso leendleko ze-0.37 yepesenti kwaye ubuncinane bokutshala imali eyi-$ 3,000.
IiNgxowa eziLungeleleneyo zoNyaka ka-2018 no-2019
Ukuba ufuna ukuthatha indlela ye-fund eyodwa, indlela efanelekileyo yokwenza ngayo iimali ezilinganisiweyo . Nazi ezinye zezona zinto zingcono ukucinga ngazo ngo-2017 ukuya ku-2019.
- I-Vanguard Balanced (VBINX): Amasheya ahlawulwa ngokugqithiseleyo amabhondi kwixesha le-2017 ukuya ku-2019; Ngoko ke iimali ezinokulinganisela ezifana neVBINX ezixhomekeke ngakumbi kwiisitokhi kunezibhonkco zilungileyo. I-VBINX ine-allocation allocation ye-stock-thirds stocks kunye ne-third-bond bonds, ezenza isabelo esilinganiselweyo esilungele ukuhlala phambi kwexabiso lentengo ixesha elide. Umlinganiselo weendleko zeVBINX ngowama-0.22 ekhulwini kwaye inani elincinci lokuthenga lokuqala li-$ 3,000.
I-Hussman Iqhinga elipheleleyo lokubuyela (HSTRX): Ukuba ufuna ingxowa-mali efana nesikhwama se-hedge fund, i-HSTRX iphakathi kweyona nto ingcono kakhulu ongayifumana. Umphathi wezikhwama, uJohn Hussman, uyaziwa ngokuchazela ukunyuka kweemarike zango-2008 kunye nokudala ibhalansi yeempahla kumyinge wexabiso lokunciphisa ukunyuka kwamanani ngelixa ukunciphisa ilahleko kwimakethe yokulungisa. I-HSTRX ayiyi kuqhuba i-market kwi-sideside kodwa kuyimali efanelekileyo yokubamba xa uqoqosho luya ekungeneni kwemali. Umlinganiselo weendleko zeHSTRX unengqiqo eyi-0.69 yepesenti kwaye ubuncinci bokutshala imali ngu-$ 1,000.
Iibhondi zeBond eziphambili ze-2018 kunye no-2019
Ngokunyuka kwamazinga enzala ngo-2017 kwaye mhlawumbi ubude, ixabiso lamabhondi liza kuwela, ngokukodwa kumabhonkco athathaka. Ezi zibophelelo zemali kufuneka zibonise iinkokheli ngo-2019:
- I-Loomis Sayles Bond (i-LSBRX): Xa iimarike ezibopheleleyo zinzima, kuyona nto ingcono ukubuyela kumphathi weengxowa-mali onamava oye wabona yonke into kwimarike engenayo engenayo kwiminyaka embalwa edlulayo. Umphathi we-LSBRX kuphela u-Dan Fuss angatsho ukuthi ulawulo lweekhontrakthi iminyaka engama-50 okanye ngaphezulu. Iimali zihamba naziphi na izitayela zithetha ukuba zingabamba izibophelelo ze-US, izibophelelo zangaphandle, izibophelelo ze-Nondyebo, izibophelelo eziphezulu, kunye naliphi ixesha elifunekayo ukuhamba ngeemarike. Nangona i-LSBRX ibona ukuhla kwehla kwiindawo zemarike ezibi, ngokuqhelekileyo zikhokelela ekubanjweni kweebhondi kwixesha leminyaka emithathu okanye ngaphezulu. Umlinganiselo weendleko ze-LSBRX ngowama-0.91 yeepesenti kwaye ubuncinci bokutshala imali ngu-$ 2,500.
- I-Vanguard i-short-term ye-Investment Bond Bond (VFSTX): Ukuba ufuna ukuhlawula umngcipheko wezinga lomdla, indlela enhle yokwenza ngayo iifowuni zexesha elifutshane njenge-VFSTX. Xa amaxabiso enzala aphakama, iibhondi zexesha eliphakathi kunye nexesha elide ziya kuhlahloka kwixabiso elingaphezu kweebhondi zexesha elifutshane. Yaye ibakala lokutsalwa kwetyala libonisa ukuba kukho ukulingana kwekhwalithi ephakamileyo kunye nezinye izibophelelo zekhredithi ezincinci ezingancedisa i-juice isivuno. Umlinganiselo weendleko ze-VFSTX yi-0.20 yeepesenti kwaye ubuncinane bokuthengwa kokuqala ngu-3,000.
Ngoku ukuba unoluhlu lweemali eziphathekayo ezifanelekileyo zokuthenga ngo-2017, ngo-2018 no-2019, kubalulekile ukukhumbula ukuba ukutshala imali kwi-fund eyodwa kuphela, ngaphandle kokuba ingxowa-mali elinganisiweyo, ngokuqhelekileyo ayiyiyo ingcamango efanelekileyo. Ngoko ke udibaniso lweemali ezikhankanywe apha ngasentla kwipotfoliyo enye inokwenza umxube ohlukeneyo .
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.