Fumana i-Out Out Out of Your Index Fund
Ukuba uthe wagqiba ekubeni uthenge iimali zenkcazo, kungenzeka ukuba le ngenye yezona zigqibo ezingcono kakhulu zotyalo-mali owake wakwenza. Njengaye iintlobo zotyalo-mali kunye neengxowa-mali, kukho indlela efanelekileyo yokutyalo-mali kwi-index index kwaye kukho indlela engafanelekanga. Masiqale isifundo sethu ekusebenziseni ezo mali eziphathekayo eziphathekayo kunye neziseko zenkxaso-mali.
Iinzuzo zeeNkcazo zeeNgxowa
Xa uJohn Bogle waqalisa i-Vanguard Investments engaphezu kweminyaka engama-40 edlulileyo, umgaqo-siseko wakhe wawunokuba i-index index eyabambelela kwi-index index, efana ne-S & P 500, ingaqhuba ngcono ngexesha elide kuneemali ezilawulwa ngempumelelo "ukubetha imarike." Ngoku ke ezinye zeengxowa-mali ezingcono kakhulu zeVanguard, njengeVanguard 500 Index (VFINX) , iVanguard Total Total Market Index (VTSMX) kunye ne- Vanguard Total Bond Market Index (VBMFX) yizona zixa- zintathu zeemali ezixhasayo kwihlabathi.
Kodwa i- index index ibetha njani iimali ezilawulwa ngempumelelo kwixesha elide? Enye yeenzuzo eziqinileyo zeengxelo zengxowa-mali kukuba ukunyusa kwabo kunciphisa kakhulu iindleko zokuqhuba i-fund. Ngokomzekelo, ukuba iindleko zomxhaso zonyango ziphezulu kunezinga eliqhelekileyo, ezi ndleko ziya kunciphisa ukubuyela kubatyalomali ngaphezu kweemali eziqhelekileyo. Ezi ndleko zichazwe kwixabiso lemali yeengxowa- mali .
Ngokwemigaqo elula, ukuba i-mali iyonke ibuyele phambi kweendleko zonyaka omnye i-10% kodwa ixabiso lentengo li-1%, ukubuyisela inetha kubalimi-mali loo nyaka ngowama-9%. Ngoku qwa lasela ukuba ezininzi iimali ezixhasayo zinezilinganisi zeendleko eziphezulu njenge-1.5% okanye ngaphezulu, kwaye ezo nkcukacha zenkxaso-mali zinenani eliphantsi kwee-0.5%.
Ukuba i-1% yentlawulo egcinwe minyaka yonke ngemali yenkcazo ingathetha amawaka eedola kwixesha elide.
Enye inzuzo yenkxaso-mali yenkcazo kukuba banemali engaphantsi kweengxowa-mali ezilawulwa ngamandla. Isilinganiselo sokubuyiswa kwengxowa-mali ye-joint fund yimalini yephothifoliyo yengxowa-mali ithatha indawo nganye ngonyaka. Ngokomzekelo, ukuba ingxowa-mali yokubambisa iifaki ezi-100 ezihlukeneyo kunye ne-50 zazo zatshintshwa ngonyaka omnye, umlinganiselo wenzuzo uza kuba ngama-50%. Ukwenyuka okuphezulu kwandisa iindleko zokulawulwa kweengxowa-mali kodwa kungaphinda kuthathe iirhafu ezingakumbi kumtyalomali ngendlela yokufumana imali eyinzuzo .
Iimali zeengxelo ziphelisa nento ebizwa ngokuba ngumngcipheko kumphathi , ingozi yokuba umphathi weepotfoliyo yesikhwama-mali esisebenzisanayo ngokufanelekileyo uza kwenza iimpazamo eziqhelekileyo kubo bonke abantu, kungakhathaliseki ukuba banezakhono, amava okanye imfundo. Iimpazamo zamagosa eziqhelekileyo zeengxowa-mali zenziwe zijoliswe kwiinqununu ezingekho phantsi kwexesha elifanelekileyo okanye ukhetho olubi lokuphepha. Ezi mpazamo zingabangelwa yimvakalelo, njengokuhaha okanye ukwesaba, okanye ukungahambi kakuhle kwemvakalelo yabatyala-mali. Ekubeni iimali zenkcazo zilawulwa ngokungathandabuzekiyo, ezi mpazamo zomphathi azikho.
Enye enye inzuzo yenkcazo yemali kukuba bahlala behlukeneyo kunezinye iimali ezixhasana.
Oku kubangelwa ukuba banamakhulu amawaka okanye amawaka amasheya okanye amabhonkco, ngoxa imali ephathekayo ephathekayo ingabamba kuphela amasheya angama-50 ukuya ku-100 okanye amabhondi.
Ukusetyenziswa okugqwesileyo kweeNgxowa-mali
Nangona iifom zenkcazo zihlala zihlukeneyo kuneengxowa-mali ezilawulwa ngenyameko, kunokuba yimpazamo ukubamba ingxowa-mali eyodwa kwipotfoliyo yakho. Yaye ukhumbule ukuba imali yenkcazo kunye nemali elawulwa ngokusebenzayo inokusebenzisana kakuhle. Ngako oko kungaba yinto efanelekileyo yokusebenzisa i-fund index, njengenye yee- S & P 500 zeeNkcazo zeeNkcazo ezilungileyo , njengento ebambeleleyo. Isakhiwo sepfothifoliyo sibizwa ngokuba sisiseko kunye nesathelayithi . Inkcazo yeengxowa-mali yintloko, leyo ingaba i-30 ukuya kuma-50% kwipotfoliyo, kwaye i-satellites ingabandakanya i-stock stock fund, i-stock-cap stock fund, i-fund ye-bond, kwaye mhlawumbi iifom zecandelo elincinane.
Kwakhona, khumbula ukuba imali yenkcazo inexabiso eliphantsi.
Ngenxa yoko bavame ukuba negalelo elincinci lentlawulo kunemali elawulwa ngempumelelo. Ngenxa yeso sizathu, kulungile ukugcina imali yenkcazo kwi-akhawunti yokurhweba ehlawuliswayo kunye nokugcina iimali ezilawulwa ngempumelelo kunye neengxowa-mali ezihlawula igalelo kwi-akhawunti echazwe ngerhafu, njenge-IRAs kunye ne-401 (k).
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.