I-Putnam Investments kunye ne-Mutual Funds yabo yokuLondoloza umhlala-phantsi
Ngaphambi kokuba sihlanganise iipaliti zePetnam eziphambili zokuthatha umhlalaphantsi, makhe sijonge ngezizathu zokuba umtyalo-mali ufuna ukufaka imali kwiimali zabo.
Ngubani na uPetnam utyalo-mali kwaye Kutheni ukuthenga iiNgxowa-mali zaso?
Ukufumana isishwankathelo esifutshane kwimbali kaPetnam kunye nendawo kwindawo yokuthengisa imali, uyaqala ngamava abo, abuyele emva kweminyaka engama-80, eyadlulela phambili kwezinye iinkampani ezinkulu, ezinje njengeVanguard. U-Putnam unama-dollar ayi-170 yezigidi kwiimpahla phantsi kolawulo, imali engaphezulu kwama-70, kuquka amaqhinga angama-60, kwiinkalo ezahlukeneyo zeengxowa-mali.
Nangona kaninzi kunconywa ukuthenga zonke iimali zakho ezixhamlayo kwiinkampani enye, uPutnam unobuninzi obuninzi kwi-fund line yabo yokwakha iphothifoliyo epheleleyo . Kukho iintlobo ezaneleyo kunye nemigangatho abaninzi abatyali-mali abayi kusebenza kanzima ukuze bafumane iqoqo leemali eziphezulu kwiinkampani enye.
Nangona kunjalo, kubalulekile ukuqaphela ukuba iPetnam ayinikezeli nayiphi na imali yeemali ezingekho mthwalo , ubuncinci kungekhona kubarhwebi-mali bemihla ngemihla ngaphandle kwe-401 (k) icebo.
Oku kuthetha ukuba uPetnam ngokuthe ngqo uthengisa iimali ezilayishiwe, ezizabelo ze- A (imithwalo yangaphambili), izabelo ze-B (umthwalo we-back) kunye no-C (umgangatho wesabelo sempahla) .
Ngethamsanqa, u-Putnam unikezela izabelo zeR, izabelo zabo zokwahlula umhlalaphantsi, eziqhelekileyo zisetyenziselwa izicwangciso zomhlalaphantsi ezixhaswe ngumqeshi, ezifana no-401 (k) izicwangciso.
Iimpahla eziphezulu zePutnam zeRhafu
Iimali eziphezulu zePetnam zokuthatha umhlalaphantsi, kuba bobabini kunye nezoshishino, ziya kubakho i-R share cash funds.
Oku kungenxa yokuba izabelo zeR ezingenanto zentengiso kwaye zifumaneka ngokubanzi kwi-401 (k) izicwangciso. Kule nkalo, le mali isetyenziselwa ukugcina umhlala-phantsi kodwa ingasetyenziselwa ukutyalomali ngexesha lomhlalaphantsi.
Ngaloo mva, kwaye kungekho myalelo othile, nantsi iifom zePetnam ezingcono kakhulu kubantu abasebenzisa ukugcina umhlala-phantsi kunye namashishini ukuba acinge ngo-401 (k) amacebo:
- I-Putnam i-Multi-Cap Core Fund R (PMYZX): Le ngxowa "iya kuyo nayiphi na enye" inokufaka imali kuyo nayiphi na inkampani ye-US inkampani (amancinci amancinci, ama-middle-and large caps). Iminyango eyahlukeneyo yenza i-PMYZX ibe yinto ebalulekileyo yokubamba njengesiseko sokwakha iphothifoliyo. Izikhundla eziphezulu ziinkampani ezinkulu ezinjengeMicrosoft (MSFT), iBhanki yaseMelika (BAC) kunye neJPMorgan Chase (JPM). Ukubuyiselwa kwexesha elide liye lalingana okanye lagqithisa i-S & P 500 Index. Umlinganiselo wendleko ngumlinganiselo weli candelo kwi-1,28 pesenti.
- I-Putnam Ingeniso yeNgxowa-mali R (i-PIFRX): Ukususela ngo-1954, i-PIFRX yenye yeyona ndlela indala kwaye enye yeengxowa-mali ezihambelanayo kwiimarike namhlanje. Iibhondi zebhondi ezilinganiselweyo zokuba ngumgangatho webakala lotyalo-mali (umngcipheko ophakathi) kunye nexesha eliphakathi (iminyaka emi-5 ukuya kwe-10) ngexesha. Umngcipheko wemarike ye-PIFRX uphezulu kunemiyinge, njengokuba ixabiso lentengo ye-1,13 ekhulwini, kodwa ubuyiselo buye bubekwe phambili kwiimali ezibophelelweyo, kubangela ukuba ingxowa-mali ifanele ingozi kunye neendleko zabanye abatyalo-mali.
- I-Putnam yeDynamic Allocation Equation Fund R (PAARX): Ukuba ufuna isisombululo esisodwa okanye isabelo-mali esisezantsi, i-PAARX yinto ekhethekileyo. Ulwabiwo lwee-asethi luhlala lujikeleza i-stock%, i-30% yeebhonksi kunye ne-10 ekhulwini yemali kwaye ilandelelanise ngokulandelelanayo okanye iphakamileyo kwimigangatho yesabelo semali eyabelweyo. Umlinganiselo weendleko ungaphantsi komyinge woluhlu kwi-1,24 pesenti.
- I-Putnam Global Technology R (i-PGTRX): Le ngxowa-mali enobudlova ayiyi kuba yindlela ekhethileyo yokutyalo-mali-mali-mali-mali ngokuthatha umhlala-phantsi kodwa kuyona khetho ekhethekileyo kubarhwebi-mali bexesha elide lokugcina umhlalaphantsi. I-PGTRX enye yemali ephakamileyo ephakamileyo yakwaPutnam, imbuyekezo yeembali ziye zadlulela phambili kwii-teknoloji eziqhelekileyo. Ubunzima benkxaso-mali buyenza ukuba kubonelele ukuba abatyali-zimali abangenakucinga ukutshatyalaliswa kwemali ngokutshintshiselwa ukubuyiswa kweemali eziphezulu kwixesha elide. Iindleko zePGTRX zingama-1.53 ekhulwini.
Ngokubanzi, uPetnam Investments ungomnye weenkampani eziphambili zeengxowa-mali zehlabathi. Nangona awuzukufumana ukusebenza okuphezulu okanye ukulingana kweendleko ezincinci kumgca wabo weengxowa-mali, kuninzi lweemali zeenkomfa eziphezulu kunye neendleko ezifanelekileyo, ngokukodwa xa ugxininisa kwiimali ezingenazo iintlawulo zokuthengisa, njengemali ye-R share.
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.