Indlela yokukhetha i-Good Mutual Funds

Iingcebiso ezili-11 eziya kukusindisa ixesha, iMali kunye neentliziyo

Ngoko ke ugqibe ekubeni kufuneka utyalomali, kwaye ukuba imali yokubambisana iyindlela yokuhamba. Ungakhetha njani ezilungileyo? Nazi iinqununu ezili-11 zokukukhokela kwinkqubo.

1. Ngaphambi kokuba ukhethe i-fund, ufanele ukwazi ukuba iinjongo zakho zotyalo-mali ziphi. Ngaba uyasindisa ngenxa yomhlalaphantsi ? Oko kuthetha ukuba unokukwazi ukunyamezela , kwaye ubambe imali ngeemarike zeenkomo kwaye ubeke iimakethi . Ngaba uyasindisa ukuhlawula inkokhelo kwikhaya elitsha? Oko kuthetha ukuba ungadinga imali kwiminyaka embalwa, kwaye kufuneka uqaphele.

1. Qinisekisa ukuba iimali ziyafaneleka kwimimiselo yakho yokutyalomali. Ngokomzekelo, ukuba ufuna ukusebenzisa i-ups and downs kwansuku zonke, awukwazi ukusebenzisa iimali njengoko zithengisa kuphela ekupheleni kosuku. Ngaphezulu, imali isebenza ngokusekelwe kwizakhono zabaphathi babo, kungekhona ukuba iinkampani zithengiwe. Qinisekisa ukuba uyaziqonda iingenelo zeengxowa-mali zobudlelwane ngokubhekiselele kwisitokisi .
2. Sebenzisa iimali ezandisa ukwanda kwakho. Ukuba nemali engaphezulu ayisoloko ikhulisa ulwahlulo. Iimali ezininzi zinamasheya afanayo. Hlola iimpahla ezinkulu zeefowuni ukuqinisekisa ukuba abafaki.
3. Khetha kuphela imali efanelekileyo kwiqhinga lakho lokwabiwa kweefa. Ngokomzekelo, kwisigaba sokuqala somjikelezo wezoshishino , iinkampani ezincinci zenkampani ziqhuba kakuhle. Unokukhetha iimali ezilishumi ezona zihamba phambili, kodwa ukuba zizo zonke iincotshana ezincinci , uya kuba neentlungu ezininzi xa i- cap enkulu ihamba ngcono kwiinqanaba ezizayo.
4. Hlalani nilumkele iifizi zentlawulo kunye , ezinokunciphisa ukubuyiswa kwakho kuyo yonke indawo ukusuka kwi-0.5% ukuya kuma-8.5 ekhulwini. Iimali zihlazo. Imirhumo ye-front-load iyancitshiswa ngokufanelekileyo phezulu, ngelixa imali yokubuyisela imithwalo ibuyiswa xa uhoxisa utyalo-mali yakho kwiminyaka emihlanu yokuqala (ngokuqhelekileyo). Iimali ezininzi zinemali yokulawula iindleko, iindleko zeendleko kunye neerhafu ezi-12b-1. Ezinye iingcali zithi zikhethile kuphela iimali zokulayisha kunye nalabo abanexabiso lentlawulo elingaphantsi kwe-1 ekhulwini.

1. Ngoku ukuba uyazi ukuba uluphi uhlobo lweemali ozifunayo, ungayichaza njani enye into efanelekileyo kwizo ntlobo? Khumbula, ubheja kwiingcali zabaphathi bezimali, ngoko kufuneka ulandele ukusebenza kwazo. Ufuna ngokwenene umphathi onokuthi angaphumelela kwimarike . Kule meko, oko kuthetha itekisi ethile ehambelana nolu hlobo lwenkxaso. Ngokomzekelo, isikhwama senkunzi encinci kufuneka siphumelele uRussell 2000, kungekhona iDow . Uphononongo lubonisa ukuba i-sibini yesithathu yazo zonke iimali ezilawulwa ngentshukumo zibi ngaphezu kweenombolo zazo. Ngoko ke, khetha abaphathi bezezimali abaye bajikeleza ubuncinane ubuncinane iminyaka emihlanu.

1. Naka ingqalelo kwinkampani ye-fund. Amafemu aphezulu aphezulu, afana ne-American, Vanguard, T.Rowe Price kunye neDodge & Cox, unokukwazi ukuqesha abaphathi abafanelekileyo kwaye baphathe kakuhle ukuze banamathele.
2. Ingaba imali iya kuba kwipotfoliyo yerhafu, efana ne-401 (k), i-IRA okanye i-Roth IRA? Emva koko akufanele ukhathazeke ngemali. Leyo yimalini yefowuni ithengiswa kwaye iphendulelwe kwii-stocks ezintsha. Ukuba i-fund yakho ixhomekeke kwiintlawulo zentlawulo, zihlala kunye nemali ene-50% okanye ixabiso eliphantsi lokuthengisa . Ngaphandle koko, uya kufumana irhafu kwiintengiso ezithengisiwe, nokuba ngaba ixabiso lilonke le-fund liyancipha ngexesha lonyaka .
3. Okokuqala, ungenza ngokwakho nge-Morningstar. Unayo yonke inkcazelo kunye nenkqubo yokulinganisela encinane eyenza ukukhetha abadlali abalungileyo.
4. Masithi ujonge iMasta, kwaye unxibekile ngokukhetha. Isinyathelo esilandelayo kukukhetha umcebisi wezezimali . Bakhethe i-fund.
5. Ukusebenza kwangaphambili akukho isiqinisekiso sokuphumelela kwikamva. " Uya kuliva yonke indawo, kodwa kuthetha ukuthini kuwe? Kuphela nje isitatimenti esithetha ukujonga indlela i-fund eyenziwe ngayo ngexesha elidlulileyo alithethi ukuba liya kwenza okufanayo kwixesha elizayo. Kukho uphando oluninzi olubonisa iipesenti ezingama-99 zeemali ezigqithiseleyo kwiimarike kwishumi eliminyaka zifikelela kumyinge kule minyaka elishumi elandelayo.