Amandla amabini amakhulu kakhulu ekuthengeni imali kunye nokulula kwabo: Phantse nabani na onokuyithenga kwaye kulula ukuyiqonda. Ukuba ufuna ukukhetha iimali eziphathekayo ezifanelekileyo, zikhona nje ezimbalwa izinto ezisisiseko zokugcina uluhlu lwakho lokukhangela:
Sebenzisa i-Good Fund Screener
Ngaphambi kokuba uqale ukukhangela iifom zokubambisana ezilungileyo, uzakufuna ithuluzi elifanelekileyo ukunceda wenze uphando. Unokufumana nokusebenzisa yonke imigaqo-siseko yokukhethwa kweengxowa-mali kunye ne-Morningstar's Fund Screener.
Le ngxowa-mali ikhululekile xa ubhalisela ubulungu bayo obuncinane.
Sebenzisa i-Benchmark efanelekileyo yokuSebenza koMsebenzi
Ukuze ukhethe iimali eziphathekayo ezifanelekileyo, kufuneka ukwazi ukugweba ukusebenza. Thelekisa imbuyekezo nganye yeengxowa-mali kwi-benchmark efanelekileyo, njengesiqhelo somlinganiselo wesigxina okanye isalathisi. Ngokomzekelo, ukusebenza kweengxowa-mali ezininzi zakwa-stock kuqhathaniswa ne- S & P 500 Index .
Gcina ukhumbule ukuba iimali eziphathekayo zisetyenziselwa kakuhle ukutyalomali-mali (ixesha elingaphezulu kweminyaka emithathu). Ngako oko faka ubunzima obunzima kwiindlela ozikhethileyo ukhetho lokubuyisela iminyaka emi-5. Jonga kwakhona kwiminyaka eyi-10 yokubuyisela ukuba ingxowa-mali sele ijikeleze ixesha elide. Ukuba le ngxowa-mali ikhupha i-benchmark yembuyekezo emi-5, yigcine kwi-radar yakho. Ngaphandle koko uyisuse kwingqalelo.
Hlola Ubude beMphathi
Abanini-zimali abaninzi abajongene nokugcinwa kwemphathi, yintoni ixesha elide umphathi elawula ngayo imali.
Khangela umphathi wexesha ubuncinane ubuncinane kwiminyaka emithathu uze uqiniseke ukuba ixesha lokuhlaziya limele lixesha elifanayo umphathi ubekwe kwisikhwama se-fund. Ukuba, ngokomzekelo, ufumene i-fund eneemali eziyiminyaka emi-5 yokubuya kodwa umphathi wengqesho unyaka owodwa kuphela, uthetha ukuba umphathi okhoyo akafumani nkonzo ye-kredit kule minyaka emi-5 edlulileyo.
Gcina iiNtlawulo kunye neendleko eziphantsi
Imirhumo neendleko zihamba ngokukhawuleza kwimbuyekezo yentlawulo. Ngoko, imali kunye neendleko eziphantsi kunye neendleko zivame ukwenza ngcono ngaphezu kwexesha elide kunezo zineendleko eziphezulu. Masiqwalasele kuphela imali kunye nemilinganiselo yoxanduva ngaphantsi kwe-1.00%. Qaphela: Ukulinganiswa koMlinganiselo weNkcitho ku-1.50%. Kwakhona, thintela intlawulo yokuthengisa (imithwalo) ngokusebenzisa kuphela imali engekho mthwalo .
Ingeniso yinkalo yomsebenzi wezorhwebo. Oku kuthetha ukuba kaninzi kangakanani umphathi wezikhwama uthengisa kwaye uthengisa isitokisi okanye iibhondi kwiibhanki . Ingeniso idlalwa njengepesenteji, ebizwa ngokuba yiRatio Ratio. Umlinganiselo ophantsi weentengo (20% ukuya ku-30%) ubonisa isicwangciso sokuthenga kunye neendleko zorhwebo eziphantsi, okuqhelekileyo kubalimi-mali. Isilinganiselo esiphezulu senzuzo (ngaphezulu kwe-100%) sibonisa isicwangciso sokuthengwa okuthe xaxa nokuthengiswa kwee-securities, okudala iindleko zokuthengisa eziphezulu.
Ngokwemvelo, iimali zobudlelwane bezohlukeneyo zimali ezahlukeneyo; Babamba inqwaba okanye amakhulu emasitye kunye / okanye iibhondi zonke kwibhaksi enye. Nangona kunjalo kusengumzekelo omuhle ukujonga ukuba zininzi izitokisi okanye iibhondi ezigcinwe kwiimali oziphandayo. Ukuba, ngokomzekelo, i-fund ibeka imali kuphela kwiisitokisi ezingama-20 (ukubamba), kukho ingozi ephezulu yokunyaniseka (ukuhamba ngokukhawuleza phezulu okanye kwehla kwintengo).
Unokufumana ukuzuza okuphezulu kunye nokunciphisa ngokubaluleka kwexabiso kwixesha elifutshane. Ukujongana ngokufanelekileyo kunye nomngcipheko ophantsi, hlola ukuqinisekisa ukuba i-fund inenani elingama-50 phambi kokutyalomali.
Amaphuzu adlulileyo ngokuyinhloko ekukhetheni iimali eziphathekayo ezilawulwa ngokunyanisekileyo, oko kuthetha ukuba abaphathi bezezimali bazama ukugqithisa ukubuyiswa kwemali emakethe yexabiso lempahla, elilinganiswe yinkcazo, njenge-S & P 500. Nangona kunjalo, ngaphezu kwexesha elide, ngakumbi Iminyaka eyi-10 okanye ngaphezulu, ubuninzi beemali ezilawulwa ngokuzimeleyo azizange zifake ngokugqithiseleyo iimali zeemakethe zentengiso, yingakho abatyali-mali abaninzi banqwenela ukusebenzisa i- index index .