Nabani na umcebisi-mali omele usebenze kunye nabo mabazimisele ukucacisa, ngesiNgesi esilula, zonke iintlobo ezahlukeneyo zokuhlawula imali oza kuhlawula ngayo. Ukuba awusebenzi kunye nomcebisi, uya kuhlawula iirhafu. Kuya kufuneka uyenze ngokusebenzisa i-prospectus kunye neziko leziko lemali kunye namaxwebhu ukuze ubone ukuba zeziphi iimali.
Xa ubuza malunga neentlawulo zotyalo-mali , ukuba umntu uthi, "Inkampani yam iya kundibhalela," fumana ezinye iinkcukacha. Unelungelo lokukwazi oko uhlawulayo, kunye nendlela umntu ohlawulwa ngayo ngokucebisa utyalo-mali kuwe.
Nazi iintlobo ezintandathu zeemali zokutsala ukubuza malunga.
1. Ukulinganiswa kweendleko okanye iindleko zangaphakathi
Kubiza imali ukubeka ndawonye i-fund fund. Ukuhlawula ezi ndleko, imali ehlawula iindleko zokusebenza. Iindleko ezipheleleyo zeengxowa-mali zibonakaliswa njengexabiso lentlawulo.
- Ingxowa enexabiso lentengo ye-90% ithetha ukuba kuzo zonke i-$ 1,000 ezityalomali-mali, malunga ne-$ 9 ngonyaka ziya kufikelela kwiindleko zokusebenza.
- Ingxowa enexabiso lentengo ye-1.60% ithetha ukuba kuzo zonke i-$ 1,000 ezityalomali-mali, malunga ne-$ 16 ngonyaka kuya kufikelela kwiindleko zokusebenza.
Umyinge weendleko awunqunywanga kwi-akhawunti yakho, kodwa ukubuyisela imali ekufunyenweyo sele kusekho netyala.
Umzekelo: Cinga ngesikhwama sokubambisana njengesihlwele esikhulu senhlama yecookie; Iindleko zokusebenza zithinjwa ngaphandle kwenhlama ngonyaka.
Inhlama esele iyahlula kwiikuki okanye izabelo. Ixabiso lentlawulo nganye lincinci ngenxa yokuba iifayili sele zenziwe.
Awukwazi ukuthelekisa iindleko kuzo zonke iintlobo zemali ngokulinganayo. Ezinye iintlobo zemali, njengemali yomhlaba wonke, okanye iimali ezincinci zemali, ziya kuba neendleko eziphezulu ngaphezu kwekhredithi enkulu yesikhwama okanye isikhwama sebhondi.
Kukulungele ukujonga iindleko ngokuphathelele yonke iphothifoliyo yakho yemali. Unokwakha iiphothifoliyo enkulu yeenkcukacha zezimali kwaye ungakhokheli ngaphezu kwe-50% ngonyaka kwiindleko zokuqhuba imali.
2. Imali yoLawulo loTyalo-mali okanye iMali yokuCetyiswa kweNtengiso
Imirhumo yolawulo lwentengiso lihlawulwa njengepesenti yempahla epheleleyo elawulwayo. Ezi ntlobo zemirhudo zihlala zihlawulwa ngokukhawuleza kunye neerhafu zangaphambili zerhafu okanye ezihlawulwe irhafu .
Umzekelo: Umcebisi otyalo-mali ohlawula i-1% uthetha ukuba yonke imali eyi-100,000 etyalomali, uya kuhlawula i-$ 1,000 ngonyaka ngemali yokucebisa. Le ntlawulo ixhaphake kakhulu kwiakhawunti yakho nganye kwikota; kulo mzekelo, bekuya kuba ngu-250 eekota.
Abacebisi abaninzi okanye iifenki zentengiso zihlawula iirhafu eziphakamileyo ngaphezu kwe-1% ngonyaka. Kwezinye iimeko, basetyenziselwa imali ephakamileyo yemali apho unokuhlawula imali epheleleyo ye-2% okanye ngaphezulu. Kuqhelekileyo kwiakhawunti encinci ukuhlawula imali ephezulu (malunga no-1.75%) kodwa ukuba unayo inkulu iphothifoliyo (i-$ 1,000,000 okanye ngaphezulu) kwaye uhlawula iifizi zengcebiso ngaphezu kwe-1% kwaye ulungele ukufumana iinkonzo ezongezelelweyo ezibandakanywe ukongeza lawulo lotyalo. Iinkonzo ezongezelelweyo zingabandakanya ucwangciso olubanzi lwezemali, ukucwangcisa irhafu, ukucwangciswa kwempahla, ukuncediswa kohlahlo-mali, njl
3. Intlawulo yeNtengiso
Ii-akhawunti ezininzi zemali-mboleko zihlawula umrhumo wokuthengiswa rhoqo ngexesha umyalelo wokuthenga okanye ukuthengisa i-fund eyodwa okanye isitokethi ifakwe. Le mirhumo inokuvela kwi-9.95 yeeRhwebo nganye kwi-trade to over $ 50 nganye yorhwebo. Ukuba utyalomali imali encinci yemali, le ntlawulo idibanisa ngokukhawuleza.
Umzekelo: Imali yokuthengwa kwemali eyi-$ 50 kwi-investor eyi-5,000 i-1%. Ukuthengwa kweedola ezingama-50 kwi $ 50,000 kuphela kuphela .10%, engancinci.
4. I-Load-Front Load
Ukongeza kwiindleko zokuqhuba eziqhubekayo kunye "negalelo" iindleko zentlawulo yomxhaso umthwalo wokugqibela, okanye ikhomishini.
Umzekelo: Ukuba ubuya kuthenga i-fund ene-front-load ye-5%, isebenza ngale ndlela: Uthenga amasheya kwi-10.00 yesabelo ngasinye, kodwa ngosuku olulandelayo isabelo sakho silingana ne-9.50. wahlawuliswa njengomthwalo wokugqibela.
5. Umthwalo wokuThumela umva okanye ukuKhutshwa kweNtlawulo
Ukongeza kwiindleko zokusebenza eziqhubekayo, "ukwabelana nge-B" uxanduva lwemali yomrhumo womrhumo wokugqibela okanye ukuhlawula imali .
Umthwalo wokugqibela umrhumo xa uthengisa imali yakho. Le ntlawulo ngokuqhelekileyo iyancipha umnyaka ngamnye olandeleyo unayo imali.
Umzekelo: Ingxowa-mali ingakuhlawula umthwalo wesi-5% wokugqibela umva xa uthengisa ngomnyaka owodwa, umrhumo we-4% xa kuthengiswa ngeminyaka emibini, umrhumo we-3% xa uthengiswa ngeminyaka emithathu, njalo njalo.
Ukuhlawula okungafaniyo kunye neengxelo zenkcazo ngokuqhelekileyo zineenkcukacha eziphezulu zokunikezela iindleko. Oku kungenxa yokuba le mveliso idla ngokuhlawula iikomishoni ezinkulu phambi kwabantu abathengisayo. Ukuba uphuma kwimveliso ekuqaleni kwenkampani yomshuwalense kufuneka ube nendlela yokubuyisela iikhomishini eziye zahlawula. Ukuba unayo umkhiqizo ixesha elide kwenkampani yomshuwalense ifumana iindleko zayo zokuthengisa ngexesha. Ngaloo ndlela imali yokunikezela iyancipha ngaphezu kwexesha.
6. Imali ye-Akhawunti yonyaka okanye iMali yoKhusela
I-akhawunti yokuthengisa kunye ne-akhawunti ye-fund ye-fund ingabhawula imali ye-akhawunti yonyaka, enokuvela kwi-$ 25- $ 90 ngonyaka. Kwimeko yeakhawunti yomhlala-phantsi njenge-IRA, ngokuqhelekileyo kukho imali yokukhusela yonyaka, ejongene neengxelo ze-IRS ezifunekayo kule ntlobo ze-akhawunti. Le ntlawulo ngokuqhelekileyo isuka kwi-$ 10- $ 50 ngonyaka. Amafemu amaninzi aya kuhlawula imali yokuvala i-akhawunti xa uvala i-akhawunti. Iimali zokuvala zingaba zi-$ 25- $ 150 nge-akhawunti. Ininzi yexesha xa usebenza nomcebisi wezezimali ohlawula ipesenteji zeempahla ezi mali zikhutshwa.