Indlela i-Mutual Fund eyenziwe ngayo

Inkcazo Yento Othengayo Xa Utyalo-mali kwi-Mutual Fund

Ndisanda kuphanda inkqubo yokuqalisa i-fund. Njengoko ndidibene neenkampani zeebhanki kunye neebhanki, ndifunde isixa esimalunga malunga nendlela iimali zokubambisana ezihlelwe ngayo, kuquka amalungiselelo enza imali isebenze imihla ngemihla. Ndacinga ukuba kuya kuba yithuba elihle lokuxelela lo lwazi ukuze ukhangele kumntu emva kwesihenqo uze ubone indlela imali yakho ehamba ngayo emva kokuba uyibeke kwingxowa-mali.

Ngokuziqonda kangcono, ndiyathemba ukuba imbono yokutshala imali kwiimali ezihlangeneyo ayiyi kuba nzima kuwe njengomtyalo-mali omtsha.

Imvelaphi kwiMali yeMali

Njengoko ndichazile kwiMutual Funds 101 , eyingxenye yoMhlahlandlela wethu opheleleyo wokuTyala imali kwiMutual Funds , iimali eziphathekayo zizityalo ezithandwa kakhulu eUnited States kuba zinika indlela yokuba abantu bemihla ngemihla bathenge iphothifoliyo ebanzi ngokubanzi, amabhondi , okanye ezinye iziqinisekiso. Kukho iimali ezidibeneyo ukudibanisa nayiphi na imfuno, ekufumaneni indawo yokugcina imali yakho yesikhashana ukuze uzuze igalelo kunye neenzuzo ezinkulu kwiimpahla zehlabathi elide. Olu lukhulu lukhokelela ekukhuleni okuqhubisayo kwi shishini lombutho. Imali yemarike yemali yayingama-dollar 3.3 yezigidigidi zamaRandi kwiimpahla ezikuyo ekupheleni kwemali ka-2009. Ekupheleni kukaNovemba 2009, iimali ezidlulileyo zexesha elide zazingamahloni ezili-11 zama-trillion kwiimpahla.

Imveliso enkulu kunye neyona nto ibalulekile kuwe kungakhathaliseki ukuba utyalomali nge 401 (k) , 403 (b) , iRoth IRA, i-IRA yeNdabuko , i-SEP-IRA, i-IRA elula okanye i- akhawunti yomrhweba . Ngokwezinye ukuqikelela, i-1 kwimizi yonke yaseMerika inemali yokubambisana.

I-Mutual Fund Inkampani

I-fund yokubambisana iququzelelwe njengenkampani rhoqo okanye i-trust, ngokuxhomekeke kwindlela ekhoyo abaceli abayithandayo.

Ukuba le ngxowa iyavuma ukuhlawula yonke isabelo sayo, inzala kunye neenzuzo eziyinkunzi kubanini-nxaxheba, i-IRS ayiyi kuhlawula irhafu yenkampani (oku kuthiwa "ukudlulisa intela" kwaye kukunceda ukuba ugweme ukuhlaliswa kweerhafu oluqhelekileyo xa lithenga amasheya esitokisini).

I-fund efanayo iqukethe izinto ezimbalwa kuphela:

• IBhodi yabaLawuli okanye iBhodi yeTrasti : Ukuba inkampani yinkampani, abantu ababukeleyo kubanikazi abanini-zimali bayaziwa ngokuba ngabaqondisi kwaye bakhonza kwiBhodi yabaLawuli . Ukuba kukho ithemba, bayaziwa njengama-trustees kwaye bakhonza kwiBhodi yeTrasti. Akukho mahluko phakathi kweendima ezimbini. Ngokwemigaqo ebekwa ngumthetho, ubuncinane i-75% yabalathisi kufuneka bangathandeki, oko kuthetha ukuba abanalo ubudlelwane nomntu okanye eqinile oya kulawula imali. Abalawuli baya kuhlawulwa ngenkonzo yabo. Kwiimali ezidibeneyo zee-dollar ezigidi, zifumana imali engama-250,000 ngonyaka!
• Imali, iitoksi, kunye neebhonksi i-fund igcina : Iimpahla ezikhoyo, iibhonksi, imali kunye nezinye izinto eziphathekayo.
• Iikhontrakthi : Ingxowa ngokwayo ayinabasebenzi, izivumelwano kunye namanye amafemu.

Ezi zivumelwano ziya kubandakanya:

1. Impahla: ibhanki eya kubamba yonke imali, iibhonksi, amasheya, okanye iimpahla ezikhoyo kwi-fund ngenjongo yokutshintshiselwa intlawulo

1. I-arhente yokudlulisa: abantu abagcina umkhondo wokuthengwa kwakho kunye nokuthengiswa kweengxowa-mali zentengiso, qiniseka ukuba ufumana i-dividend yakho yokuhlola kwaye ikuthumele iingxelo zeakhawunti yakho.
2. Uphicotho-zincwadi kunye ne-accounting: Inkampani ezayo kwaye iyaqinisekisa ukuba imali ikhona, kunye neengxowa-mali ezihlangeneyo zifanelekile oko kuthetha kwiphephandaba yonke imihla xa ixabiso lichongiwe
3. Ulawulo lotyalo-mali, inkampani yomcebisi-mali: Yinkampani elawula imali kwaye yenza ukuthengwa, ukuthengisa okanye ukuthatha izigqibo. Inkampani yolawulo lotyalo-mali ihlawulwa ipesenteji yeempahla, ithi 1.5%, ngokutshintshiselwa le nkonzo. Bangakwazi ukuxothwa yibhodi yabalawuli bee-collective fund kunye nesaziso esincinane kwaye bathathe indawo.

Indlela yoMsebenzi weNgxowa-mali ye-Mutual

Masithi unama-$ 10,000 ofuna ukutyalomali kwi-XYZ Fund. Uyakhuphela isicelo esitsha se-akhawunti kwiwebhusayithi ye-fund, uzalise, kwaye uyithumele ngaphakathi kunye nentsimbi.

Kwiintsuku ezimbalwa emva koko, i-akhawunti yakho ivulekile.

Nantsi inkcazelo elula yento eya kwenzeka:

1. Isheke sakho sithunyelwe kwi-ejenti yokudlulisa. Yayifakwa kwibhanki okanye kwi-akhawunti yokugcina. Baya kuqinisekisa ukuba ukhutshwe izabelo zeengxowa-mali ezixhomekeke kwixabiso le-fund xa isheke sakho sifakwe.
2. Imali iya kubonakala kwi-akhawunti kwaye iya kubonakala kwi-portfolio manager emele inkampani yomcebisi. Baza kufumana ingxelo ebatshilo ukuba ingaba imali ekhoyo ukutyalomali kwiimpahla ezongezelelweyo, izibophelelo, okanye ezinye iziqinisekiso ezixhomekeke kwimali emnatha ezayo okanye ngaphandle kwesikhwama.
3. Xa umphathi wepottoliyo ulungele ukuthenga izabelo zesitokisi ezifana neCoca-Cola, uya kuxelela isebe lakhe loshishino ukuqinisekisa ukuba umyalelo uyazaliswa. Baya kusebenza kunye nabashenxkers, amabhanki otyalo-mali , amanethiwekhi okucima, kunye neminye imithombo yobutyebi ukuze bafumane isitotho baze bafake izandla zabo kwixabiso eliphantsi kakhulu.
4. Xa uvunyelwene ngalo urhwebo, iintsuku ezimbalwa ziya kudlula de kube umhla wokuhlawula. Ngaloo mhla, ingxowa-mali iya kuba nemali esetyenziswe kwi-akhawunti yayo yasebhanki kwaye iyinike umntu okanye isikhungo esithengisa izabelo zeCoke kubo ngokutshintshela izitifiketi zesitokisi seCoke, ezenza ukuba zibe ngumnini omtsha. Ezi zabelo zigcinwe ngokwasemzimbeni okanye ngekhompyutheni kunye nomlondolozi.
5. Xa iCoca-Cola ihlawula igalelo, iya kuthumela imali kumgcini-mgcini, oya kuqinisekisa ukuba i-akhawunti yengxowa-mali iyakuthiwa.
6. I-fund efanayo iya kubamba imali ngenkokhelo ukuze ihlawule yona njengesihlulo ekupheleni konyaka.

Umphathi weNgxowa-mali ye-Mutual Fund uhlawulwa njani?

Unokuzibuza ukuba umphathi wesikhwama sokubambisa imali uhlawulelwa njani ukufumana iifoksi kuba engenzi ngokwenene kwi-fund kodwa enesivumelwano sokulawula imali. Ukuba bahlawulwa umrhumo we-1.5% ngonyaka, bafumana i-1/365 ye-1.5% ngosuku, ngokusekelwe kwiimpahla ezilinganisiweyo zemali ze-fund. Imali ithathwa kwi-akhawunti yekheshi ye-cash fund kwaye ifakwe kwi-akhawunti yomcebisi ngamnye ngosuku.