Inkcazo kunye neMimiselo yeeNgxowa-mali eziMnandi eziNgcono
Nakhu okufuneka ukwazi malunga nokutshala imali kwimali yomhlala-phantsi kumhlala phantsi:
Imali yeNgxowa-mali yomhlalaphantsi Inkcazo
Iiphothifoliyo zengxowa-mali yomhlala-phantsi yomhlalaphantsi zihlala ziquka ukudibanisa iitoksi, iibhondi, kunye nemali kwaye zilungele ukuba abo batyali-mali bangenele okanye bangene umhlalaphantsi.
Injongo yalezi zikhundla ngokuqhelekileyo ibe yinye yokwabiwa kwempahla . Ezi zifofoliyo zijolise ekunikezeni abatyalomali ngemali engenayo yonke kwimali yomhlalaphantsi.
Indlela Yokufumana Iimali Zengeniso Zomvuzo Ezingcono Zomhlalaphansi
Ngokuqhelekileyo imali ephezulu yokufumana umhlala-phantsi iinjongo eziphambili ezilinganisa ukugcinwa kweempahla, ukufumana ingeniso kunye nokukhula, okubaluleka kuloo myalelo. Ngokomzekelo, iinjongo eziphambili kukufikelela kwimbuyekezo emihle (ngaphezu kwepesenti zero); Isibini sibalulekileyo kukufikelela ekubuyiseleni imali okanye ngaphezulu kwexabiso lentengo; kunye neyona nto ephambili, engekona "njongo", kukukhula kweempahla. Oku kungenxa yokuba ukukhula ngokungaphezulu kwezinga lokunyuka kwamaxabiso kuya kufuna ukuba kubekho umngcipheko omkhulu kumarhwebo , okwandisa iingxaki zokulahlekelwa kwinqununu.
Ngendlela elula, ufuna ukufuna imali yengeniso yomhlala-phantsi eneembuyekezo eziqhelekileyo ngonyaka we-3.00% ukuya kwi-4.00%. Kwakhona qiniseka ukuba ugxininise ngakumbi kwiminyaka emi-5 kunye neminyaka eyi-10 ekubuyiselweni kwenkxaso kwaye unike ingqwalasela encinane kwinkqubela yexesha elifutshane .
Ufuna kwakhona ukukhangela iimali ezingcono ezingekho mthwalo kunye nezilinganiso eziphantsi kweendleko . Kufuneka ugcine yonke ipente inokwenzeka ngenzuzo yakho yomhlalaphantsi!
Imilinganiselo yeNgxowa-mali yokuThola umhlalaphantsi
Ukwenza ukukhangela kwam imali engaphezulu yemali yengeniso yomhlalaphantsi, ndasebenzisa isofthiwe ye-Principal Pro ye- Morningstar , kodwa ungasebenzisa nayiphi na isayithi efanelekileyo kakhulu ukuphanda iimali zobudlelwane .
Kuquka zonke iindidi zeeklasi zezabelo , ndafumana imali engaphezulu kwama-300 yomhlala-phantsi. Ukunciphisa ukukhangela kwam, ndingabandakanyi yonke imali engaphambili kunye nemali yokubuyisela imali, zonke iimali ezineemali ezi-12b-1 kunye nazo zonke iimali kunye namaxabiso angaphezulu kwe-0.50%. Oku kunciphisa ukhetho ukuya kwii-15 zemali. Kule mali, ndakhethile enye ngesabelo se-asethi esilinganiselweyo kunye nomnye olwabiwo olufanelekileyo:
Iimali zeNgxowa-mali yomhlala-phantsi: iVanguard yokuHlawulwa kweNtlawulo yokuSasazwa kweeNgxowa-mali ze-Investment Shares (VDPFX)
I-Vanguard Ejongene neNtlawulo yokuSasazwa kweNgxowa-mali (VDPFX) ngenye yezinto ezintathu ezixhaswa yiVanguard ezibizwa ngokuba yi-"Payout Funds", "ezijoliswe ekuncediseni umvuzo womhlala-mali womhlala-phantsi ngokuhlawula amanqanaba ahlukeneyo omrhumo wenyanga (okanye 'iintlawulo').
Nangona i-VPDFX inesabelo esichengileyo (malunga nama-70% esitokisini / iibhondi ezingama-30%, imali kunye "nezinye", ngokubhekiselele kwi-Morningstar), ine-allocation of assets egciniweyo kunye neyona ntlawulo ephezulu yenyanga yokuhlawula imali yeVanguard. Injongo ephambili yeengxowa-mali kukulinganisa ukugcinwa kwenqununu ngenzuzo engenayo yokuthatha umhlalaphantsi. Ulwabiwo olulinganisiweyo lunokuba luhlobo oluthile lokuhamba, ngokunyaniseka, kwabanye abatyalo-mali kodwa ubuninzi bexesha elide lokwenza umsebenzi lukhulu kunaloo mali engaphezulu yokugcina umhlalaphantsi.
Umxube ohlukeneyo weengxowa-mali ze- Vanguard unokubangela ukuba baninzi abanomhlala-phantsi bazimisele ukusebenzisa iVanguard kunye / okanye i-index index.
Iimali zeNgxowa-mali yomhlala-phantsi: I-Fund yeFidelity Freedom Income Fund (FFFAX)
I-Fund yeFidelity Freedom Income Fund (FFFAX) iyalondoloza ngakumbi iNgxowa-mali ye-Payment Payout ephethe i-Vanguard nge-portfolio ye-Fidelity mutual funds, ngokuvumelana ne-Fidelity, ifuna ukugcina isabelo esisemgangathweni semali ye-Fidelity, kuquka iintlobo ezahlukeneyo ezifana ne-US stock funds , iimali zentengo yamazwe ngamazwe, kunye neengxowa-mali zemali.
I-FFFAX yenye yeyona mali yokudala yomhlala-phantsi yomhlalaphantsi kwaye ivelise imbuyekezo ebonakalayo phakathi kwe-4% kunye no-5%, eyona nto ijoliswe kuyo ekuphumeni kwexabiso lokunyuka kwamaxabiso, ngelixa igcina ingozi ephantsi.
Ngokuqinisekileyo ukusebenza kwangaphambili akusikho isiqinisekiso semiphumo yesikhathi esizayo kodwa xa unokunciphisa okanye ukuphelisa ukudonsa kwintsebenzo, njengemithwalo, imirhumo kunye neendleko eziphezulu, ubuncinane unika imali engenayo yokufumana umhlala-phantsi ithuba elide lokuhlala ixesha elingaphezu kwakho.
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.