Indlela yokuhlalutya ukuhamba kweNgxowa-mali

Ukusebenzisa iNgxowa-mali yeNgxowa-mali ukufumana umda

Uninzi lwabatyali-mali bathenga iimali kunye kunye neengxowa -mali ezithengiswayo ("ETFs") ukuze zifumane ukufikelela kumaziko angaphakathi nakwamanye amazwe. Ngenyanga okanye ngekota, le mali kufuneka ibike inani lemali ejikelezayo okanye ngaphandle kweeakhawunti zabo. Ezi ngxelo zeengxowa-mali ziya kunika ulwazi oluxabisekileyo kubatyalomali abazi ukubafunda.

Kule nqaku, siza kuhlola ukuba yiyiphi imali ehambayo kunye nendlela abatyali-mali abangayisebenzisa ngayo ukuze bafumane umgca xa betyala imali kwilizwe langaphandle okanye ngamazwe.

Yintoni iFund Flow?

Ingxowa yeNgxowa-mali ibonisa oku kungena kwemali kunye nokuphuma kwimpahla eyahlukeneyo yezimali kwiinyanga okanye ngekota. Ukungena kwemali kudala imali engaphezulu kwemali yabaphathi bezimali ukuba batyele ukudala imfuno yee-stocks kunye nezibophelelo kwicandelo lokuzikhethela. Ngakolunye uhlangothi, ukuphuma kweempahla kunciphisa imali engaphezulu kwemali kubaphathi bezezimali kwaye zivame ukuphumela kwimfuno ephantsi yeempahla kunye nezibophelelo.

Ngenxa yoko, abatyali-mali bangasebenzisa ulwazi lokugeleza kweengxowa-mali ukucacisa ukuba yintoni inkunzi imali etsalwa ngokwemigangatho ye-asethi okanye i-geography. Ukukhula ngokubanzi kwintlawulo yeengxowa-mali kungabonelela nokuba ngaba abatyali-mali abatya imali kwiimarike okanye bayithatha, oku kunceda ukudweba umfanekiso ophezulu wezoqoqosho kwizinto ezenzekayo.

Abatyalomali banokufumana inkcazelo yokuhamba kweengxowa-mali kwiinkcukacha zenkxaso ngabanye okanye nge-aggregators yemali efana ne-Morningstar enika zombini idatha kunye neengxelo. Ngonyaka, i-Morningstar iveza ingxelo yeNgxelo yeNgqungquthela yeNgqungquthela yoNyaka echaza apho ihlabathi leemali liyabelwa ngamnye unyaka ojongene kakhulu ngabatyala-mali bamazwe ngamazwe (Jonga: Ingxelo yeNgxelo ye-Global Annual Report ).

Ukuhlalutya iFund Flow

Ingxowa yeNgxowa-mali inokunika abanini-mali ngolwazi oluninzi malunga nokuba yintoni inkunzi eyenziwa emhlabeni jikelele. Ngokukodwa, izimvo zengxelo zonyaka zonyaka we-Morningstar zinokunika ulwazi oluthile lokuncedisa ukuxhasa uxhaso lwe-macroeconomic global, ngelixa abahwebi abakhutheleyo banokukhangela kwi-data-real-time data ukuqhuba indawo zabo zangaphakathi.

Nazi ezinye iindlela zokusebenzisa ulwazi:

• Imali eFiweyo . Ingxowa yeNgxowa-mali iya kwii-securities ezingenasisiseko ezibonisa ukungabikho kokuzithemba kwii-equity kunye ne-flight ukukhuseleko kwiimeko ezininzi. Ngokomzekelo, ingxowa yomnatha inokungena kwii-US ezinqabileyo zokufumana izitrato ezibonakalayo zibonwe ngokucacileyo kulo lonke uxinzelelo lwezoqoqosho jikelele .
• IiKlasi zeAsset . Ingxowa yeFund kwii- asethi zee-asethi zingaphatha iifayile ezahlukeneyo. Ngokomzekelo, ingxowa yomnatha ephuma kumazwe angamazwe angena kwii-stock ezinkulu ze-US ezinokubaluleka kwee-stocks zingabonisa ukuba ii-equity ze-US zilinganiselwe.
• Umxube wePortfolio . Ingxowa yeNgxowa-mali iya kwiiklasi ezithile zee-asethi zingabonelela ngokuxutyushwa kwipokothothi. Ngokomzekelo, abatyalo-mali baseYurophu ngokuyinhloko batyalomali kwiibhonkco ngo-2012 kunye nenxalenye encinci yeeposfoliyo zabo ezizinikezelwe kumaxabiso athengisayo .
• Ukufumana iifowuni . Idatha yokukhupha iFund ibonisa ukuba yimali eyaziwayo kakhulu phakathi kootyali-mali kwaye ahlaselwa. Umzekelo, i-BNP Paribas yayinemali ekhuselekileyo ye-fund ngexesha le-2012, ebonisa ukuba abatyali-mali bangathanda ukuhlala kude.

Ukubeka Kwimixholo

Ingxowa yeNgxowa-mali ingasetyenziselwa ukuchonga iindlela zokutshala imali ezedlulileyo, kodwa ukujonga phambili kwixesha elizayo kukubalulekileyo kwinzuzo kubatyalo-mali. Ekubeni abaphathi bemali bavame ukulandelelana ne-curve-oko kukuthi, bathambekele ekuthotyeni iindleko zeemarike ezibanzi, abatyali-mali kufuneka baqwalasele ngenyameko kwiipatheni ezivela kwi-flow flow data kunokuba zifundwe ngokwazo.

Ngokomzekelo, cinga ukuba i-US ingenise imali engenayo ifumaneke ngokukhawuleza kwi-fund net kwiinyanga ezimbalwa ezedlule. Kodwa ngoku, le mijelo yemali yomnatha iye yaqalisa ukunyuka kwaye ibonisa iimpawu zokuba zinzima kakhulu. Abatyalomali abakhangela le nkcukacha banokucinga ukuba bathengise imali yabo yokufumana imali engenayo ngaphambi kokuthengiswa kweengxowa-mali ezingahlawulela.

Ngokubanzi, abatyali-mali behlabathi kufuneka basebenzise idatha yokuhamba kweengxowa-mali ukupenda umfanekiso ophezulu wezinto ezenzekayo kwilizwe lonke kwaye basebenzise olo lwazi ukwakha isicatshulwa esithile sotyalo-mali. Idatha ibaluleke kakhulu kubalimi bezoqoqosho belizwe jikelele, kodwa abanye abatyali-mali banokuqiniseka ukuba bafumana ingqiqo kwingxelo yokuhamba kwengxowa-mali yokusetyenziswa kwezoshishino kunye nokutyalomali.