Iingcebiso ezi-8 malunga nokutyalomali kwiMual Funds: IziQiniso zabaQala
Nazi izicwangciso ezili-16 ezifanelekileyo zokutshala iimpumelelo ngemali ehlanganyelweyo, ukususela kwinkqubo yokucwangcisa imali, ukukhetha, ukuhlalutya ukwakha iphothifoliyo, irhafu kunye nokunye ...
Ukutshala imali kwi-Mutual Funds I-Tip # 1: Indlela yokuqalisa ukuTyala
Utyalo-mali luqala ngaphambi kokuthenga i- fund yokuqala yentlawulo (okanye ngaphambi kokuthenga enye elandelayo). Ukuba usanda kuqalisa ukutshala imali kunye nemali ephakathi , ungafuna ukuzama ukuqala ngekhredithi elinganisiweyo . Uya kufuna kwakhona ukubuza imibuzo: Yintoni ongathanda ukuyifeza ngokugcina kwakho? Ingaba unenjongo ethile, njengokuba ulondoloze umhlalaphantsi okanye ngaba unenjongo echazwe ngokubanzi, njengokuqokelela ubutyebi ngenjongo epheleleyo yokuqinisa ukhuseleko lwakho lwezezimali? Liliphi ixesha lakho lokujonga ? Unyaka omnye? Minyaka emihlanu? Minyaka 10?
Ukutshala imali kwi-Mutual Funds I-Tip # 2: Yazi ukunyamezela kwakho koMngcipheko
Ngaphambi kokukhetha iifowuni zakho, kufuneka ube neengcamango ezintle zengozi ongayinyamezela ngayo. Ukunyamezela kwakho kwimiba yendlela yokuguquka kwenani (aka-volatility-ups and downs) okanye umngcipheko wemarike ongayenza. Ngokomzekelo, ukuba ufumana uxhalaba xa ixabiso lakho le-akhawunti ye-$ 10,000 liwela ngo-10% (ukuya kuma-9,000-mali) kwithuba elilodwa leminyaka, ukunyamezela kwakho kwimiba engaphantsi-awukwazi ukunyamezela utyalo-mali ophezulu .
Ukutshala imali kwi-Mutual Funds I-Tip # 3: Misela iSabelo sakho se-Asset
Emva kokuba unqume izinga lakho lokunyamezela ingozi, unokumisela ukunikezelwa kweempahla zakho, oko kukuxutywa kwempahla-mali, iibhonki kunye nekheshi-eziquka iphothifoliyo yakho. Ulwabiwo olulungileyo lweefa luya kubonakalisa izinga lakho lokunyamezela ingozi, enokuchazwa njengobundlobongela (ukunyamezela okuphezulu kwengozi), ngokulinganayo (ukunyamezela okuphakathi komngcipheko) okanye ukuzithemba (ukunyamezela komngcipheko ophantsi).
Ukutshala imali kwi-Mutual Funds I-Tip # 4: Hlaziya iiNqobo zoBomi kunye neMigangatho ye-Mutual Funds
Iimali zokubambisana zihlelwe kwiindidi ngeklasi ye-asethi (amasheya, iibhonksi kunye nemali) kwaye iqhutywe ngokubanzi ngesitayela, injongo okanye isicwangciso. Ukufunda indlela iimali zobudlelwane bezobambiswano zikwahlula ngayo umncedisi-mali ufunde indlela yokukhetha imali engcono yokunikezelwa kweefa kunye neenjongo zohlukeneyo . Ngokomzekelo, kukho iifowuni zentengo, uxhasano lweemali kunye kunye nemali yemali. Iimali ze-Stock kunye neebhondi , njengeentlobo zeengxowa-mali eziziiprayimari, zinamaqela amaninzi ezichaza ngakumbi indlela yokutshala imali ye-fund.
Ukutshala imali kwi-Mutual Funds I-Tip # 5: Funda indlela yokukhetha iiNgxowa-mali ezilungileyo
Ngamawaka eemali ezidibeneyo zokukhetha kunye kunye neenkulungwane zeentsapho zeengxowa-mali ezahlukileyo ezizinikela zona, umtyalomali unako ukufumana umthwalo ogqithiseleyo kwaye mhlawumbi enze iimpazamo ezingenasiphelo. Ngaphandle kokungathandabuzeki, iimali ezingekho mthwalo zikhethileyo zikhethekileyo kubathengi bemali .
Ngoku ukuba uyazi ukwabiwa kwakho kweempahla, kufuneka uqale ukukhetha iimbono eziphathekayo eziphambili kuwe kunye neenjongo zakho zotyalo-mali. Ukuba unokhetho olubanzi lweemali eziza kuqala ngokusebenzisa isikhwama se-fund okanye ungaqhathanisa ukusebenza kwintlawulo. Uzakufuna ukuqwalasela iimpawu ezibalulekileyo zeemali eziphathekayo, ezifana nezindleko zemali kunye neendleko (jonga iNkcitho yeMali ), kunye nomphathi wexesha .
Okona kubaluleke ngokuqinisekileyo ukuba ukhethe ukhetho olukhethiweyo lwemali oludibeneyo ukuhambelana nokunyamezela kwakho kunye neenjongo zokutyalomali.
Uphando lwe-Mutual fund luyakwenza kube lula ngethuluzi elifanelekileyo lophando lwe-intanethi. Ingaba ungumqali okanye umgaqo kunye nokuba ufuna ukuthenga iimali eziphathekayo, uhlalutye imali ekhoyo, uqhathanise kunye neefowuni ezahlukeneyo okanye uzama nje ukufunda into entsha, ezi ndawo ziseseshishini zophando ziphakathi kwezona zinto zingcono.
Ukusebenza kwangaphambili kwesikhwama sokubambisana kungabikho isiqinisekiso semiphumo yesikhathi esizayo kodwa ukuba uyazi ukuba uhlalutye ukusebenza - ukuba uyazi ukuba uza kujonga ntoni na ukugwema-ungenza izigqibo zokutshala imali.
Ukuba uqikelele ukuba i-S & P 500 Inkcazo yeeNkcazo zezona zinto zinama-Ratios aphantsi kweNkcitho, uchanekile. Nangona kunjalo, ngaphezu kweendleko eziphantsi, kukho ukulinganisela okwenzululwazi kwezenzululwazi kunye nobugcisa bokubhalisa okwenza iinkampani ezimbalwa zenkxaso-mali zodwa zikwazi ukunikela ngeyona nkcazo yemali .
Ukutshala imali kwi-Mutual Funds I-Tip # 6: Yakha i-Portfolio yakho ye-Mutual Funds
Ukwakha iphothifoliyo yemali efana kunye nokwakha indlu: Zininzi iintlobo ezahlukeneyo zobuchule, izixhobo, izixhobo kunye nezinto zokwakha; kodwa isakhiwo ngasinye sichaza ezinye izinto eziphambili. Ukwakha iphothifoliyo engcono kakhulu ekufuneka uhambe ngaphaya kweengcebiso zengqondo, "Musa ukubeka onke amaqanda akho kwibhasikidi enye:" Isakhiwo esinokumelana nokuvavanya kwexesha kufuna ukuyila i-smart, isiseko esomeleleyo kunye nokudibanisa okulula yeemali ezihlangeneyo ezisebenza kakuhle kwiimfuno zakho.
Ukutshala imali kwi-Mutual Funds I-Tip # 7: Yazi i-Basics kwi-Mutual Fund Taxation
Omnye unciphisa njani irhafu kwiimali ezihlangeneyo ? Ziziphi iintlobo zeemali ezifanelekileyo kwiakhawunti ezihlawulwayo ? Kutheni ufumene i-1099? Ukuqonda ukuhlawulwa kweentlawulo zomxhaso kuzo kuya kukunceda ukuphucula imbuyekezo yakho yonke ngokuba ngumtyalo-ntliziyo. Njengoko bethethayo, "Akukho nto inokuqinisekileyo ebomini kodwa ukufa kunye nentlawulo." Nangona kunjalo, irhafu inokuncitshiswa okanye ikhutshwe ngokubhekiselele ekutyala imali . Ngako oko, ngolwazi lwezinto ezisisiseko kwiirhafu zentlawulo, uya kunikwa amandla okwandisa iifomfolio zakho zokutshala imali .
Ukutshala imali kwi-Mutual Funds I-Tip # 8: Gwema iDave Ramsey Mistake
UDave Ramsey ungumhle wokuzonwabisa kwaye ubonakala njengomntu onyanisekileyo. Nangona kunjalo, ngokubhekiselele kwiimali eziphathekayo kwiindawo ezithile, ifilosofi zakhe zokutshala mali ziphezu kwingozi. Abathengi bemali be-Mutual bangafumana iingcebiso ezilungileyo kwiintetho zemidlalo zomsakazo kodwa bayabulumko ukuqonda umahluko phakathi kokuzonwabisa kunye nezenzo zokutyalwa kwemali.
Qinisekisa ukuba uqwalasele eli nqaku malunga noko uDave Ramsey engalunganga ngayo ngemali .
Ukuxhotywe ngeengcebiso ezimbalwa kwiingxowa-mali, abatyali-mali bangakwenza kakuhle ukuzakhela iiphothifoliyo zabo. Kodwa khumbula ukuba uphando lwe-fund fund, ukuhlalutya kunye nokuphathwa kwepottoliyo akusiyo wonke umntu. Ukuba awuyikunandipha ukwenza oko, amathuba akuyi kuba kuhle kuwo.
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.