Imindeni yeFund ye-Best Load-Load Fund

Kuphi Ukufumana Iimali Ezingcono Ezingenayo Imali

Iimali ezingekho mthwalo ezingekho mthwalo zivela kwiintsapho ezingenakuxhatshazwa kweengxowa-mali, ezi ziinkampani ezixhaswa ngemali kunye neengxowa-mali ezixhasayo kubasomali. Ngamawaka eemali ezidibeneyo zokukhetha kunye namakhulu eentsapho zeengxowa-mali ezizinikezelayo, ngamanye amaxesha ukufumana imali engcono kunokuba ngumsebenzi onzima, ukuthetha ubuncinci.

Kodwa ukufumana imali engcono kunokuba ngumsebenzi olula kunokuba ungacinga. Kwaye ukuqala kokukhangela kwakho kunokuba kunye neentsapho zengxowa-mali kunye kunye nokukhethwa okukhethiweyo kwemali engenayo imithwalo.

Iisiseko kwi-No-Load Investment

Uninzi lwabatyalomali bayazi ukuthintela imithwalo yemali xa befuna ukukhuphula iindleko ngokunciphisa iifizi zentlawulo . Abatyalomali abaninzi bayazi nendlela yokukhetha iimali eziphathekayo eziphezulu. Kodwa umtyalo-mali unokufumana njani iimali eziphantsi kweendleko eziphantsi kokungafuneki yonke indawo yonke yokubambisa imali?

Abatyalomali abanolwazi bayazi ukuba lula, ukongeza kwintsebenziswano, ubuchule obunamandla bokhetho lokukhetha imali : konke okufunekayo ukwakha i-poletic fund yeyona ntlawulo kukukhetha enye intsapho efanelekileyo engenayo imali kwaye ukhethe ezintlanu okanye ezintandathu iimali zabo ezingekho mthwalo ezivela kwiindidi ezahlukeneyo zeengxowa-mali .

Nazi ezinye zeMithathu zeMigangatho yeeMpahla ezingcono kakhulu zeMali

Iintsapho zeengxowa ligama elihlangeneyo kwiqela leemali ezixhaswa kwiinkampani ezithile. Ininzi zeentsapho zeengxowa-mali zinikezela ngeentlobo ezahlukeneyo zemali kodwa azikho zonke iintsapho zeengxowa-mali ezibonelela ngeengxowa-mali ezahlukahlukeneyo ezingekho mthwalo apho umtyalo-mali angakha iipotifoliyo ezahlukileyo .

Nanku apho ufumana khona okungcono akukho mthwalo:

1. I-Vanguard: Siqala ngeVanguard ngenxa yokuba abaninzi abatyalo-mali abatshali-mali batshabalalisa imali-bafuna ukugcina iifizi zentlawulo ngokubambisana. I-Vanguard mhlawumbi iyaziwayo ngokukhetha kwazo zonke iindleko zexabiso eziphantsi, eziyaziwa ngokuba ne- Ratios eziNcinci kwiindleko zendalo. Nangona iVanguard igxile kwiinkcukacha zengxowa-mali, ezibizwa ngokuba yimali elawulwa ngokungazinzi , nazo zinokukhethwa kweemali ezilawulwa ngokuzimeleyo kunye ne- Exchange Traded Funds ( ETFs ) ezihambelanayo nefilosofi yazo ephantsi.

1. Ukunyaniseka: Esinye sezizathu zeendleko ze-Vanguard ezingaphantsi kweyona ndlela kukuba i-rival yabo enkulu kakhulu, ukunyaniseka, inokhetho olukhethileyo lweemali ezingekho mthwalo ezikhuphisana rhoqo kwiindleko zendleko eziphantsi kakhulu kwihlabathi. Kubandakanywa zonke iiklasi zesebe, ukunyaniseka kwindlela eninzi ekhethwa ngayo imali kwiluhlu lwethu lweentsapho ezingenasisigxina. Oku akuthethi ukuba u-Fidelity unemali esemgangathweni yekhwalithi kodwa kukho ukukhethwa okwaneleyo phakathi kweentlobo ezahlukeneyo ukwakha iphothifoliyo evelele yemali. Ukuba uthanda imali yenkcazo kodwa uthanda iimali ezilawulwa ngenyameko, ukunyaniseka kungakukhetha okulungileyo kuwe.
2. I-T. Rowe Intengo: Ukulingana akusoloko kubalulekile kwimimandla yeemali. Ixabiso leT. Rowe lincinci kakhulu kwisayizi kunye nokukhethwa kunokuba iVanguard ne-Fidelity kodwa banemali ephezulu ye-quality-load engenakuvumela umnini-mali ukuba akhe iphothifoliyo enkulu kwintsapho eyodwa yeengxowa-mali. I-T. Rowe Intengo ineemali ezimbalwa zeenkcazo kuphela kodwa ukhetho olwaneleyo lweenkcukacha ezinkulu. Kwakhona baneemali zecandelo elungileyo kunye neengxowa-mali zabo zomhla zijoliswe .

Isishwankathelo, ezimbini zezona zinto zibalaseleyo zentengo-mali yabathengi-mali zibandakanya ukulula kunye nokunyaniseka. Oku kuthetha ukuba iinkalo eziphambili zeengxelo zenkcazo-ulwahlulo olubanzi, isakhiwo esilula, kunye neendleko eziphantsi-zenza ukuba lube luhlobo oluthile lotyalo-mali lwabatyalo-mali abaninzi.

Yaye unako ukwandisa ukulula kunye nokunyaniseka kwifilosofi yakho yonke: Akukho sizathu sokuthenga iimali ezilayishiwe; akukho sizathu sokuthenga imali engaphezulu kweyesihlanu okanye ezintandathu, kwaye akukho sizathu sokusebenzisa imali engaphezulu kweyodwa.

Naliphi na iindlu ezintathu zeengxowa-mali ezingenasiphelo ezibhalwe ngasentla zifanelekile ukudibana nokugqithisa iimfuno ze-smartest and most brungal of investors fund .