Iimali zeengxowa-mali zi-Smart kwi-Investors-Long Term
Umphathi weepotifoliyo weengxowa-mali ezilawulwa ngokunyanisekileyo uzama ukubetha imarike ngokukhetha nokukhetha utyalo-mali. Umphathi wenza uhlalutyo olunzulu lwamafama amaninzi kumzamo wokugqithisa umgangatho wenkcazelo yemakethi - njengeS & P 500.
Yintoni iNgxowa-mali?
Iimali zenkcazo zibhekwa njengezinganyanzelwanga. Umphathi wenkcazo yeengxowa uzama ukulinganisa iindleko ze-index yilandela ngokuthenga konke-okanye phantse konke-kubambe kwi-index.
Amanqaku eemarike zeemarike angatyaliswa ngemali kunye kunye neengxowa -mali ezithengiselana .
Ngaba Ufanele Ube neengxowa-mali ezilawulwayo okanye ii-Index Fund?
Amandla okukhupha imarike yinto enye inzuzo yokuba imali elawulwa ngokunyanisekileyo iye yongezelela imali, kwaye le ngcamango yokungahle ikhangeleke kubalimi-mali. Emva koko, kutheni uhlawulele kwingxowa-mali yenkcazo xa uyazi ukuba uya kufumana kuphela ukubuyiswa kweemarike , imali engaphantsi kwemali yokuqokwa, kumphathi we-fund? Ngelishwa, ubungqina bokuba imali elawulwa ngokusebenzayo inokuthi ihambe ngokuthe gqolo kwimiqondiso yazo efanelekileyo. Kunzima nakakhulu kumntu- mali-mali ukuba achaze ukuba yeyiphi i-fund elawulwa ngokunyanisekileyo iya kuphazamisa isalathisi kunyaka owenziwe.
Ngokutsho kweVanguard, kwiminyaka eyi-10 ekhokelela ukuya ku-2007, uninzi lweengxowa-mali ze-US ezilawulwa ngokuzimeleyo zazingaphantsi kwesalathisi abafuna ukuzenza ngaphandle. Ngokomzekelo, i-84% ye-US ehlangene ngokukhululekileyo idibanisa imali eyabonakaliyo, kwaye i-68% yeengxowa-mali ezincinci eziphathekayo zase-US zingaphantsi kweemeko eziphathekayo, ngokunjalo.
Icala libi nakakhulu kwiimali zengxowa-mali elawulwa ngokusebenzayo . Kwimeko apho, malunga nama-95% eengxowa-mali eziphathiswe ngokuzimeleyo zenze i-indexes yazo ibe yiminyaka eyi-10 ekhokelela ku-2007.
Ulawulo olusebenzayo: Inqununu okanye iSakhono?
Unokubonisa ukuba ezinye iimali zibetha iinqununu zazo, ngoko kutheni ungathengi loo nto? Ewe, siyazi njani ukuba umphathi osebenzayo wayenakhono kwi-choice yakhe yokutshala imali, okanye wayenethamsanqa?
Ubungqina obuvela kwi-Barclays Global Investors study lubonisa ukuba ithuba lincinci lokuqhubeka nokungaphumeleli ngumphathi osebenzayo ukuqhubeka nokubetha isalathisi.
Ngexesha eli-15 leminyaka ka-Aprili 1, 2001 ukuya ngoMatshi 31, 2016, kuphela i-29% yezimali ezinkulu zeenkampani ezinkulu zase-US ezikwazi ukubetha i-S & P 500 Index. Lobu bungqina obuqinileyo bokuthi ulawulo olusebenzayo lulahlekelwa kukulawulwa ngokukhawuleza, ingakumbi kwixesha elide. Yingakho imali yenkcazo ihamba phambili kubatyalimi bexesha elide.
Ukuqwalaselwa kweendleko: Iingxowa-mali zeeNkcazo zeBe Active
Iimali ezilawulwa ngokufanelekileyo ziqala ngephandle xa kuthelekiswa nemali yenkcazo. Iindleko eziqhubekayo zokulawulwa kweendleko zeendleko ezilawulwa ngenyameko ezi- 1% ngaphezu kolawulo lwayo umzala. Ingxaki yeendleko yisinye sezizathu zokuba iimali ezilawulwa ngokunyanisekileyo zingaphantsi kwazo.
Iingqwalasela zerhafu: Iingxowa-mali zeNkcazo ziRhafu-ezifanelekileyo
Omnye umba, ongabonakali kwiimali zokubuyisela imali , kukuba umphathi wepotfoliyo yesikhwama esilawulwa ngokunyanisekileyo-ofuna ukubuyiswa kwembuyekezo eyongezelelweyo-uthengisa kwaye athengise imali-mali ngokuphindaphindiweyo ngaphezu kweengxowa-mali. Oku kuthengwa nokuthengiswa kwee-stocks ngumphathi osebenzayo-owaziwa ngokuba yimali- ntlawulo- iziphumo kwiintlawulo- mali ezihlawulisiweyo ezihlawuliswayo, kubonelelwe ukuba i-akhawunti inikwe kwi-akhawunti engekho yomhlala phantsi.
Ububungqina bubonisa ukuba kukho abaphathi abafanelekileyo , kodwa ukufumana abaphathi abanjalo ngaphambi kokungasebenzi kwabo kunzima. Okubaluleke ngakumbi, njengoko uvavanyo lweBarlays lubonisa, ukungaqiniseki ngasoloko kujikeleze abaphathi abafanelekileyo. Ngaba bangaqhubeka nokugqithisa?