Iingxowa ezili-10 eziLungelelaniso eziPhambili kunoma yimuphi umtyalo-mali

Iimali ezahlukileyo zingasetyenziswa ngokuhlakanipha nanini na ngexesha lobomi bomtyalo. Enyanisweni, abaninzi abaqeqeshi-mali bacebisa ukuba imali efanelekileyo yokuthenga yilabo abatyala imali kwiimpahla ezihlawulela izabelo.

Nangona abatyali-mali befuna iimali zokwahlula bafuna ukufumana izivuno eziphezulu, zikhona ezinye iimeko zokuqwalasela ukufumana imali engcono.

Kuluhlu lwethu lweengxowa-mali ezahlukileyo, siquka kuphela imali -mthwalo yokuxhasana kunye neendleko eziphantsi kweendleko .

Kwabanye abatyalo-mali, akuyikumangaliswa ukuba imali eyenza uluhlu lwethu luhlukana phakathi kweenkampani zenkxaso-mali, iVanguard ne-Fidelity .

Kutheni Utyalole kwiiNgxowa-mali?

Abanini-mali abatyhenga bathengi imali okanye i-dividend imali ngenjongo yokufumanisa umvuzo ongeniso oluvela kwiintlawulo zentlawulo, eziqhelekileyo ngekota nganye. Oku kwenza i-dividend imali ibone utyalo-mali olufanelekileyo kwi-investors.

Nangona kunjalo, abatyali-mali abathile bakhetha ukubuyisela kwakhona izabelo, ngamanye amaxesha zibizwa ngokuba yiprogram yokubuyisela inzuzo, okanye i-DRIP. Xa izabelo zibuyiswa kwakhona, izabelo zisetyenziselwa ukuthenga izabelo ezininzi zotyalo-mali, kunokuba zihlawulwe kumtyalomali.

Abanye abatyali-mali banqwenela ukusebenzisa iimali ezidibeneyo ezihlawula izahlulo kwiimeko zoqoqosho apho izivumelwano zentsebenziswano yezobudlelwane zingabonakali. Ngokomzekelo, xa izinga lentengo liphantsi kodwa iimeko zezoqoqosho zihlala zihle, iimali ezibophelelweyo zingabinemveliso engaphantsi kuneemali zentsebenziswano.

Iingxowa-mali eziLungelelwano ezilungileyo kunazo zonke nawuphi na umtyalomali

Zonke ezi mali ze-dividend ezivela kwiVanguard ne-Fidelity zindleko eziphantsi, iimali ezingenamthwalo. Nangona kunjalo, iimali zineendlela ezahlukeneyo ezahlukahlukeneyo, ngasinye esinokuba nesibheno kubasomali-mali. Akukho myalelo othile, nantsi i-10 yeengxowa-mali ezilungileyo kakhulu malunga nabanini-mali.

1. I-Vanguard ye-International High Dividend Yield Index (i-VIHIX) ingxowa-mali elawulwa ngokukhawuleza elandelela i-FTSE AW yangaphambili kwi-US High Dividend Yield Index, eyinqaku elixhomekeke kwinqwelo elineenkampani eziyi-800 ezilindeleke ukuba zibe negalelo elingaphezulu kwe-average isivuno. I-VIHIX inikezela ukuveliswa kwezoqoqosho eziphuhlisiweyo kunye nezasakhulayo ngaphandle kwe-US kwaye isimboli sikhwama sixabiso elikhulu. Ubuncinane bokuqala utyalo-mali bokuthenga i-VIHIX yi-$ 3,000 kwaye ixabiso leendleko li-0.42 pesenti okanye i-$ 42 nganye i-$ 10,000 etyalomali.
2. I-Index yeVanguard High Dividend Index (VHDYX) ilungele ukuba abatyali-mali bafune ingeniso ngoku ngokuveliswa kweempahla eziphezulu. Iphothifoliyo iqulethe i-stock-cap value of companies in the United States ehlawula ixabiso eliphezulu xa kuthelekiswa neenkampani ezifanayo. Ixabiso lexabiso leVHDYX liphantsi kakhulu kwi-0.15 yeepesenti okanye i-$ 15 kuzo zonke i-$ 10,000 ezityalomali, kwaye ubuncinci bokuthenga kuqala ngu-$ 3,000.
3. I-Vanguard Utilities Index (VUIAX) igxininise kwiimpahla ezikhoyo kwicandelo lombuso, elifunwa kakhulu kwizabelo zalo eziphezulu. Izikhundla zokubamba iiphothifoliyo ziquka izitokisi ezinkulu ze-US zamashishini ezincedo, njengeDuke Energy Corporation (DUK) kunye ne-Southern Co (SO). Umlinganiselo weendleko ze-VUIAX yintsikelelo engama-0.10 okanye i-$ 10 kuzo zonke i-$ 10,000 ezityalomali. Nangona kunjalo, gcinani engqondweni ukuba le ngxowa-mali iyaxhaswa kuphela kwiklasi ye-Vanguard Admiral, enokuthenga okungenani ubuncinane be-$ 100,000. Akukho buncinci bokuthengwa kwe-ETF version ye-fund (i-ticker: VPU), enexabiso elifanayo leendleko.

1. I-Vanguard High-Yield Corporate Fund (VWEHX) ilawulwa ngamandla; Ngoko ke, awuyi kufumana ingcaciso ye-ETF yale ngxowa-mali. Iimali ezinxulumene neemeko eziphezulu ziza kubamba izibophelelo zekhredithi eziphantsi, ezibizwa ngokuba yizibopho ezingekho phantsi kwempahla, kodwa umphathi wale ngxowa-mali ufuna izibophelelo eziphezulu kwinqanaba lekhredithi xa kuthelekiswa ne-average-bond bond bond. Ngoko, unokuthi ukubophelwa kwe-VWEHX kungekhona "njenge-junky" njengenye i-bond-bond bond-abatyala-mali abanokufumana isivuno ngaphandle kwemngcipheko omkhulu xa kuthelekiswa nezinye iimali eziphezulu. Umlinganiselo weendleko ze-VWEHX ngowama-0.23 ekhulwini okanye i-$ 23 kuzo zonke i-$ 10,000 ezityalomali, kwaye ubuncinci bokuthenga okokuqala ngu-$ 3,000.
2. I-VanguHX ye-Vanguard High-YiNtlawulo ye-Tax-Exempt Fund (i-VWAHX) iyimali-mboleko engabonelela ngenzuzo ngelixa ivelisa encinci irhafu. Ngenxa yokuba iphethe imali yebhanki kamasipala, ingeniso ayihlawulwanga kwinqanaba le-federal. Abatyalomali abathengi imali yokuhlawulwa kwentela efana ne-VWAHX ngabantu abafumana imali ephezulu abanama-akhawunti atyala. Iindleko ze-VWAHX zingama-0.19 ekhulwini okanye i-19 yezigidi zonke i-$ 10,000 ezityalomali, kwaye ubuncinci bokuthenga buyi-$ 3,000.

1. I-Vanguard Real Estate Index (i-VGSIX) yindlela efanelekileyo yokuba abatyali-mali bafumane ufikelelo kwicandelo lezakhiwo zezindlu, ezaziwa ngokuba zihlawulwa ngokuhlawulelanayo kwaye i-fund iphakathi kweyona nto ingcono yokuthenga kulolu hlobo. Nangona ukunyuka kwamazinga enzala kungabangela uxinzelelo oluphantsi kokubuyela kwezinto zokuthengisa utsalwa-mali, indawo engaphantsi kwenzala-mboleko ingahlala iboleka izindleko eziphantsi kwabathengi basekhaya nabaphuhlisi. Iindleko ze-VGSIX zingama-0.26 ekhulwini, okanye i-$ 26 kuzo zonke i-$ 10,000 ezityalomali.
2. Ingeniso ye-Fidelity Equity (FEQIX) yinkxaso eqinile eyenza ukusebenza komyinge ophezulu kodwa isivuno esingaphezulu kwesilinganiso. Le ngxowa-mali inamasheya amaninzi ase-United States. Umlinganiselo weendleko ze-FEQIX ngowama-0.67 eepesenti kwaye ubuncinane bokuthenga okokuqala ngu-$ 2,500.
3. Inkolelo Yokwethembeka kunye ne-Equity Distribution (FEQTX) Enye ingxowa ye-Fidelity engabikho ngokukodwa udidi lwabaontanga kwintsebenzo kodwa inokuthenjwa yokuvelisa imali ngenzuzo. Isabelo sephothifoliyo malunga neepesenti ezingama-90 ze-US kunye neepesenti ezili-10 ezikhoyo ngaphandle. Ubukho beempahla zesikhokelo, phakathi kwesikhulu esikhulu, unikeza u-FEQTX umgca onobudlova. Umlinganiselo weendleko ze-FEQTX uphantsi kwiipesenti ezingama-0.72 kwaye ubuncinci bemali yokuqala yokuthenga ngu-$ 2,500.
4. Ukunyaniseka kweSicwangciso-mali kunye neNgeniso (FSDIX) ngenye yeemali ezahlukileyo kwi-Fidelity lineup. Iphothifoliyo inamalungu amabini anesithathu ama-stock-caps-capital cap-stocks and the remaining of holdings abelwe phakathi kwamasheya angaphandle, iibhonksi, imali kunye neziqinisekiso zokubambisa. Umlinganiselo weendleko ze-FSDIX uphantsi kwi-0.78 yeepesenti kwaye ubuncinci bokuthenga kuqala ngu-$ 2,500.
5. Ukuthembeka kweNkunzi kunye neNgeniso (FAGIX) yikhwama elinganiselayo enokunika ulwahlulo ngexesha idibanisa iimpawu zokukhula kunye nengeniso. I-FAGIX iphothifoliyo inamasheya angama-20, iikhompyutheni ezingama-70 kunye neepesenti eziyi-10 zemali. Icandelo lokulinganisela liyi-stocks zokukhula njenge-Alphabet (GOOG), ii-Skyworks (SWKS), kunye ne-Ally Financial (ALLY) kunye nokuxutywa kwemali engenayo engundoqo kunokubandakanya izibophelelo eziphezulu. Iindleko zingama-0.73 ekhulwini.

Ingcaciso kule ndawo inikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele ichaneke njengengcebiso yokutyalomali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.