Indlela yokuKhuthaza ukubuyiswa kwakho kwePortfolio
Fumana i-Higher Mutual Fund Ukubuyisela ngokugcina iindleko eziphantsi
Awukwazi ukulawula imakethi yemasheya, kodwa unako ukukhulisa imbuyekezo yakho yemali ngokunciphisa iindleko zakho. Cinga nje ngolu hlobo njengoko uza kuhlawula ibhajethi yakho. Awukwazi ukuzinikela ekuhlawuleni, kodwa unokwenza into enokuba nefuthe elilinganayo: Gcina ngaphezulu kwemali yakho enzima ngokufumana imali encinane.
Into yokuqala ongayenza ukugcina iindleko ezincinci ukuthenga iimali ezingenayo imithwalo kunye namaxabiso angaphantsi kweendleko . Iingxowa-mthwalo zingenazo iintlawulo zokuthengisa ezingenayo ifom ye-front load - uya kudla ukuhlawula ngaphezulu kwe-5 ekhulwini yentengo-okanye umva umva apho uhlawula umrhumo xa uthengisa i-fund.
Ukulinganiswa kweendleko yiimali ongazibonanga ngokucacileyo. Ezi iindleko eziya kuhlawula iindleko zokusebenza ze-fund fund. Ngokomzekelo, ukuba i-fund yakho yokubambisana inokubuyiswa kwama-10 ekhulwini kunyaka owodwa kunye nexabiso lentlawulo ye-fund i-1.5 yeepesenti, ukubuyela kwakho kwangoku kuza kuba ngama-8.5 ekhulwini.
Khawucinge nje ukuba uthenge i-fund efanayo kunye nexabiso eliphantsi lentlawulo ye-0.5% kuphela. Ukubuyela kwakho kweli mzekelo olula kuya kuba yi-9,5 ekhulwini. Ukuhlukana kwepesenti enye kunenezela ngaphezu kwexesha. Yenza uphando oluthile ukuze ufunde indlela yokufumana iimali ezincinci kwaye ugcine ngaphezulu kwemali yakho eyimali enzima.
Ezinye iindlela zokugcina iindleko phantsi ngeemali ezihlangeneyo ziqhubeka zorhweba ubuncinci, okanye zithenga iimali ngaphandle kwemali yokuthenga. Abaninzi basaphuhlisa abathengi kunye neenkampani zenkxaso-mali zinikela ngeemali ezingekho mthwalo ngexabiso eliphantsi, kodwa oku akuthethi ukuba akukho ezinye iindleko ezingenakongeza kwiindleko ezinkulu. Iindleko ezinjalo yintlawulo yokuthengiselana, ngokuqhelekileyo malunga ne-$ 10 nganye yorhwebo. Ukuba ubeka amashishini amaninzi ngenyanga, ezi ntlawulo ziyakongeza. Isicwangciso sokuthenga kunye nesibalo sokutshala imali asiyi kugcina kuphela iindleko zakho zokurhweba kodwa uzonqanda ezininzi iimpazamo eziyindleko zezocalo-mali xa zizama "ukubetha imarike," edla ngokukhokelela ekubuyiseni okuphantsi.
Fumana i-Higher Mutual Fund i-Portfolio Returns by Increasing Exposure to Stocks
Enye yezinyathelo zokuqala ezithathayo xa ukwakha iipotifoliyo zeemali eziphathekayo kukugqiba isabelo sakho se- asethi , ukudibanisa iintlobo ezintathu ze-asethi eziphambili - izitokisi, iibhonki kunye nekheshi-eziza kwenza iphothifoliyo yakho. Iphothifoliyo ehambelanayo yeemali zentlalo ingaba nokwabiwa kwee-asethi ezingama-65 zeempahla, iibhonji ze-30 zeepesenti kunye ne-5 ekhulwini yemali, kodwa ukuba umtyalo-mali ufuna ukuphucula ukusebenza kwepotfolio kwaye uyavuma ukuthatha ingozi emarike, ukhethe ukwenza ulwabiwo lweempahla lube nzima.
Unako ukwandisa ukuhlaselwa emngciphekweni. Ulwabiwo-mali olulinganisiweyo luya kutshintshwa kuma-80 ekhulwini kunye ne-20%. Oku kuya kuthathwa njengokwabiwo-mali okwexeshana. Ukuba awuqinisekanga ukuba lo kunyuka kwimali yesitokisi ingcinga efanelekileyo, ungasebenzisa umbuzo wemibuzo yokunyamezela umngcipheko ukuze ubone ukuba yeyiphi na imali eyabelwe yona.
Ukuphuculwa kweNtsebenzo yePorfolio nge-Investment kwi-Aggressive Growth Mutual Funds
Xa utyalomali kwiimali zobudlelwane obunzima bokukhula , unako ukufumana imali ephezulu ngaphezu kweendleko zeemarike ezibanzi, njenge-S & P 500 Index. Uninzi lweemali zengxowa-mali zobudlelwane beziqhamo zinegama elithi "ukukhula ngokukhawuleza," "ukuxabisa okukhulu," "ithuba elingundoqo" okanye "ukulingana okucwangcisiweyo" ngaphakathi kwegama le-fund. Njengoko ukwandisa ukukhutshwa kwakho kwiimali zamasitoreji, ke kunjalo, ukusebenzisa iimali zesikhwama sokukhula ngokugqithiseleyo kungakhokelela ekubuyiseni kwexesha elide kuneemarike zemarike kodwa kufuneka uzimisele ukuthatha umngcipheko olongezelelweyo.
Oku kuchaza ixesha lokunyaniseka (ups and downs) kwixabiso lemali yakho.
Fumana i-Higher Returns kunye neCandelo leNgxowa-mali
Enye indlela yokubetha imarike kukufumana amacandelo amacandelo angcono angaphumelela kwimakethe yempahla yonke. Njengoko ungacinga, akukho ndlela ethile yokwenza oku, kodwa amacandelo ambalwa ngokubanzi akhuphe iindleko ezinkulu zeemarike kwaye unokukwazi ukuqhubeka nokugqithisa iminyaka ezayo. Imimandla yamacandelo oshishino ombambano afaka iteknoloji, ukunakekelwa kwezempilo, izibhengezo zabathengi, abaxhasi bamashishini, izibonelelo, kunye nezezimali.
I-teknoloji icandelo elinokuthi likwazi ukukhupha amanye amacandelo kwiminyaka nangamashumi eminyaka ngaphambili. Uqoqosho kunye namashishini ehlabathini lonke adibaniswa nobuchwepheshe, njengabavelisi abavelisa i-computer hardware, icomputer software okanye i-electronics. Baye badibaniswa neenkampani zoshishino lweenkonzo zeteknoloji, njengalezo zinika iteknoloji yolwazi kunye nokusetyenziswa kwedatha yezoshishino. Iminye imizekelo yeenkampani zeteknoloji ziquka i-Apple, iMicrosoft, i-Google kunye ne-Facebook.
Elinye icandelo elinokukhula ngokukhawuleza kunokuba imida iyinkampani yezempilo. Ngenxa yokuguga kunye nokuqhubela phambili ngokukhawuleza kwi-biotechnology, i-shishini lezempilo liqinisekile ukuba liphumelele kwiminyaka eminyaka. Xa amashishini amaninzi akwenza kakubi ngenxa yeemeko zezoqoqosho ezimbi, i-shishini lempilo linokuqhuba kakuhle ngenxa yokuba abantu basadingeka babone ugqirha baze bathenge iziyobisi zabo ngaphandle kweemeko zoqoqosho. Icandelo lezonyango libhekiselwe kwicandelo elikhuselayo ngesi sizathu.
Indlela Eyona Ngcono Yokufumana Ukubuyiswa Okuphezulu kwiiMali eziMali
Ulawulo olulodwa olukhulu kakhulu lokuba abatyali-mali banako ukukhula kwipotfoliyo yabo kunomnikelo omkhulu. Awukwazi ukulawula uqoqosho. Awukwazi ukulawula imarike. Kwaye awukwazi ukulawula indlela utyalo lwakho lokutshala ngayo. Kodwa kukho umehluko phakathi kokubuya kotyalo-mali kunye nokubuyiswa kotyalo-mali.
Ngokomzekelo, ukuba uthenga i-fund ye-collective fund ephakamileyo yemali ye-5 yeepesenti yokubuyela emva kwexesha leminyaka emithathu, mhlawumbi ungahlali ujabule ngokubuyiswa. Ngoku ke masithi umyinge uvela kwi-10 ekhulwini ukubuyela ngonyaka wokuqala, i-10 ekhulwini iya kubuya ngonyaka wesibini, kwaye ama-5 eepesenti abuyele ngonyaka wesithathu. Ukubuyela kwakho okuqhelekileyo kutyalo-mali kuya kuba phezulu kunomlinganiselo weminyaka emithathu we-5 ekhulwini xa uthengela amanani amaninzi ngexesha lonyaka i-fund iyanqatshwa ngama-10 ekhulwini. Unokulinganisela ukubuyela kwakho phezulu kuba uthenge amanye amasheya ngentengo ephantsi. Oku kuchaza umgaqo-siseko otyalo-mali kunye nesicwangciso esibizwa ngokuba yi- dollar-cost cost , okanye i-DCA efutshane.
Ingcamango efana nokwenza i-portfolio yakho ngokuphindaphindiweyo. Oku kuthetha ukuthenga amanani amaninzi eemali ezihlangeneyo eziye zancipha kwixabiso kwaye zithengisa izabelo zeemali eziye zanda ngexabiso. Ngokomzekelo, unako ukufumana iimali ezixhaseneyo kunye ne-20 epesenti ezabiwe, kwaye unyaka kamva ixabiso leengxowa-mali liguquke kwaye ipesenteji zokwabiwa zi-15 epesenti kwiimali ezimbini, iipesenti ezingama-25 kwiimali ezimbini, kwaye i-fund yesihlanu isele kwi-20% . Ungathengisa izabelo ngaphandle kwabaphumeleleyo kwaye uthenge kumalahleki. Le yile "yithengi ephantsi yokuthengisa" kodwa ngendlela efanelekileyo. Ishedyuli efanelekileyo ye-DCA kanye kanye ngonyaka.
Isishwankathelo, izicwangciso ezifanelekileyo zokufumana imali ephezulu kunye neengxowa-mali ezifanayo zizo ziphantsi kolawulo lwakho. Kuphutha ukuzama ukugqiba ixesha elifanelekileyo kwimarike okanye ucinge ukuba uza kukhetha imali efanelekileyo ngokubambisana. Kunoko, gcina izinto zilula.