Funda iSiseko kwiNkcazo yeeNkcazo eziPhambili
Ngaphambi kokuba singene kwiimpawu ezithile ezenza i-index index engcono, masizibandakanye iziseko zeengxelo zezimali kunye nendlela abasebenza ngayo.
Yiyiphi iNkcazo kunye neNgxowa-mali yee-Index?
Isalathisi, ngokubhekiselele kutyalo-mali, yinkampu yesampula yee-securities ezimele icandelo elichaziweyo lemarike.
Ngokomzekelo I- S & P 500 Index , isampuli malunga nama-stocks amakhulu amakhulu angama-500. Kodwa awukwazi ukutshala imali kwisalathisi. Le yilapho iinkampani zenkxaso zenkxaso ziza kwi-index index.
Inkcazo yeengxowa-mali i-fund ethenga kwaye ibambe ininzi okanye zonke iziqinisekiso ezisekhompyutheni ethile ifuna ukuyilandelela. Yile ndlela kwaye kutheni uJohn Bogle uqale iVanguard . Emva kokuphawula ukuba abaninzi abatyali-mali, kubandakanywa nabaphathi bezemali abaqeqeshiweyo, babengenako ukugqithisa amanqaku amanqaku athengisayo, ngokukodwa ekugqibeleni, wagqiba ekubeni enze i- Vanguard 500 Index (VFINX) , eya kubonakalisa ukusebenza kwe-S & P 500.
Indlela yokuLonga nokuThengisa iiNgxowa-mali eziPhambili
Ukulandelela inkcukacha ngokuthe ngqo, kubalulekile ukugcina iindleko eziphantsi. Ngethamsanqa, ekubeni i-index index ilawulwa ngokunganyanzelwanga, kukho uphando oluncinci, uhlalutyo okanye uhwebo olwenzekayo. Ngako oko, ngokwemvelo, iifom zesaxabiso zixabiso elincinci lokusebenza kunye nolwabo.
Ngoko umgangatho ophambili weengxelo zeengxelo ezifanelekileyo zixabiso eliphantsi kweendleko. Kodwa oko akukho konke ukufumana i-index index best!
Ukuba ucinga ngomzuzu omfutshane, unokukwazi ukuqagela enye into ebalulekileyo. Ukuba iimali zenkcazo zifuna ukulandelelanisa inkcazo yesithenjwa, zenza njani iphothifoliyo? Bayazi njani ngokuchanekileyo zeziphi izitheno zokuthenga kunye nokuba zingaphi izabelo abazifunayo ukuba zilandelele i-index ngokukhawuleza?
Enye impawu yeengxelo eziphambili zenkcazo yeyona mpazamo elandeleleneyo yokulandelela, okuyiyo imilinganiselo yempembelelo yengxowa-mali yokuphendula okanye "ukufanisa" ukusebenza kwenkcazo yokubonisa.
Nangona ukulinganiswa kweendleko zokubambisana ngemali zikwabelwana esidlangalaleni kwaye kufumaneke lula, iphutha lokulandelela akuyona into oyifumana esidlangalaleni. Ngoko ke, xa ufuna uphando olungcono lwemali, uza kuqala ngokukhangela amaxabiso aphantsi kakhulu. Emva kokunciphisa ukukhangela kwakho phantsi ezimbalwa, unokwazi ukubheka ukusebenza kwangaphambili kwesikhwama ngasinye kwaye uyilinganise ngqo kunye nekhowudi.
Emva koko uza kuba neyona nkcazo yeyona nkcazo!
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.