Indlela yokwazi ukuba iNgxowa-mali yakho inexabiso elifanelekileyo leendleko
Ukuqhathanisa ukulinganiswa kweendleko kufana nokuthelekisa iipulo kunye nee-oranges - ezinye iintlobo zemali ziza kuba namaxabiso angaphezulu kweendleko kunezinye.
Ngoko ke, xa uhlalutya imali , uxhasekile ukuqonda umyinge weendleko zendawo ethile yeengxowa-mali ozihlolisayo, ngoko uzama ukufumana imali engcono kakhulu eneendleko eziphantsi kweendleko.
Isilinganiso semilinganiselo yeendleko nguhlobo lweFund
Kukho imali eninzi yokubambisana kunye namaxabiso angaphantsi kwe-average- cost to select from the world. Ngoko ke ungahlali kwiimali ezibizayo xa unokufumana iimali ezingabizi kunye nomgangatho ophezulu!
Nantsi ukuphazamiseka nokuthelekiswa kwemilinganiselo yeendleko eziqhelekileyo kwiintlobo zeengxowa-mali ezisisiseko :
I-Cap-Capital Stock Fund: 1.25%
Phakathi kwe-Cap Stock Funds: 1.35%
I-Small-Cap Stock Fund: 1.40%
Iimali zeeNgxowa-mali zangaphandle: 1.50%
Iikholeji ze-S & P 500 Iikholeji: 0.15%
Iimali zeBond: 0.90%
Ungalokothi uthenge i-fund eyodwa kunye namaxabiso angaphezulu kunezi! Phawula ukuba iindleko zendleko zitshintshi ngecandelo le-fund. Isizathu esiyinqobo salokhu kukuba iindleko zophando kwiipotifoliyo zokuphatha ziphezulu kwiintlobo ezithile zeemali kunye kunye ne-ETFs.
Kwiindawo ezithile zendawo, ezifana nezitokhwe ezincinci kunye nezitokhwe zangaphandle, ulwazi alufumaneki ngokulula xa kuthelekiswa neenkampani ezinkulu zasekhaya. Ngoko ke, uphando olongezelelweyo olufunwa ngabahlalutyi kunye nabaphathi bezemali ziya kuqhuba iindleko zokusebenza zesikhwama sokubambisana.
Qaphela: Le mingeni yintoni umcebisi-mali onokuthi angabiza "ukulinganisa okufutshane" kwaye athathwe ngqo kwi- Morningstar .
Unokufumana kwakhona amanani afanayo kwiindawo ezininzi zophando lweengxowa-mali . Ngoko ke, xa uphando ngeengxowa-mali zodidi okanye ii-ETF, qi niseka ukuba uqhathanisa ukulinganiswa kweendleko nakweminye imali kunye nemida echaphazelekayo.
Iimali zeeNkcazo zineziXhobo eziNcinci zeNdleko
Iimali zee-Index kunye nee-ETFs zineendleko eziphantsi, xa kuthelekiswa nemali elawulwa ngokusebenzayo. Uninzi lweengxowa-mali luya kuba neendleko ezimalunga ne-0.20% okanye ngaphantsi. Ezinye ze-ETF zinokulinganisela kweendleko eziphantsi kunokuba zixhaswe ngemali.
Ekubeni zilawulwe ngokungathandabuzekiyo , oku kuthetha ukuba umphathi wezikhwama ulandelela kuphela i-stocks okanye ikhonkco kunye nenkcazo yebhonkmark ye-fund, iindleko zokusebenza zeengxowa-mali zingagcinwa kakhulu. Umzekelo, i-S & P 500 Inkcazo yeNgxowa-mali igcina nje izitokisi ezifanayo kwi-index kwaye ngoko akukho uphando okanye uhlalutyo olufunekayo ukuze kufumane iimpahla okanye amabhondi athenge kwi-fund, njengokuba kunjalo nangemali elawulwa ngokusebenzayo.
Ngaloo nto yathi, iimali ezinokulingana kweendleko ezincinci azihlali zilungele. Ngoko ke, xa uhlalutya i-fund efanayo, umlinganiselo weendleko ungenye yezinto ezininzi zokuqwalasela ngaphambi kokuba uthenge i-fund.
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.