Funda indlela yokuhlaziya i-Mutual Funds
Uhlalutyo lwesatisatisti lweengxowa-mali zobudlelwane luyinto nje yinto efana ngayo-indlela yokufunda izinto ezinomlinganiselo wengxowa ekuncediseni umtyalo-mali ukuba aqonde ukusebenza kwexesha elidlulileyo ngenqaku malunga neziphumo ezizayo.
Ewe, akukho "isiqinisekiso" semiphumo yesikhathi esizayo kodwa utyalo-mali alukho malunga neziqinisekiso - malunga nokuthatha ingozi ebalwe.
Ukuhlalutya i-Mutual Funds kunye neMilinganiselo yeStatisti
Uhlalutyo lwesatisatisti lweemali ezidibeneyo lufuna ulwazi olubalulekileyo lwamanyathelo amanani, njengeBeta, i-R-squared, i-Alpha, i-Sharpe Ratio, iSilinganiselo seNdleko kunye neRhafu:
- I-Beta : I- Beta, ngokubhekiselele kutyalo-mali lwentengiso, ngumlinganiselo wentshukumo ethile yeengxowa-mali (ups and downs) xa kuthelekiswa nexabiso jikelele. Ukubhekisela, imarike inikwe i-beta ye-1.00. Ukuba i-bhasi ye-fund i-1.10, le ngxowa-mali iya kulindeleka ukuba ibe nokubuyela kwe-11% (1.10 yi-10% ephezulu kune-1.00) kwi -markmarket kodwa i-fund efanayo iya kulindeleka ukuba iyancipha kwi-11% xa imarike iyancipha i-10%.
- I-R-squared : Ngokwe- Morningstar , "i-R-squared ibonisa ipesenti yeendleko zeengxowa-mali ezingachazwa ngokunyakaza kwi-index index." I-R-squared ye-100 ibonisa ukuba konke ukunyakaza kwengxowa-mali kunokuchazwa ngokunyakaza lathisi. " Ekuguquleleni, i-R-squared inceda umnini-mali ukuba ahlole indlela efana ngayo nengxowa-mali ethile kwisicatshulwa esinikeziwe. Umzekelo, ukuba sele unayo i- S & P 500 fund kwi-portfolio yakho, awuyi kufuna ukufaka enye ingxowa-mali kunye ne-R-squared ye-0.99 kuba oku kubonisa ukulungiswa kwe-99% kwi-S & P 500. yenza phantse kufana ne-S & P 500 fund esele iphothifoliyo yakho. Akunjalo ukungafani!
- I-Alpha : Lo ngumlinganiselo onokukunika ingcamango engakanani ukubaluleka kwe-fund manager (okanye ukukhupha ukusuka) kwi-fund fund. U-Alpha unikezela ukulindela kweembuyekezo ezingentla (okanye ngaphantsi) oko kuza kuthethwa nge-beta. Ukulandela umzekelo wethu kwi-beta (ngasentla), ukuba i-beta i-1.10 kwaye imarike ihamba phezulu nge-10%, i-fund ene-alpha enhle iya kulindeleka ukuba ibe ne-returns ephezulu kune-11% (inani elichazwe yi-beta). Ufuna ukufumana imali nge-alpha efanelekileyo!
- Ulungelelwano lweSharpe: Ukusebenzisa ukulinganiswa kwe-Sharpe, umtyalo-mali unokufumana ulindelo malunga nendlela ukubuyiswa kwengxowa-mali ethile yokuxhaswa kwemali kuhlawulisa ngayo umtyalo-mali ukuba athathwe ingozi. Kulula ngokucacileyo, ukuphakanyiswa kwe-Sharpe Ratio, kungcono. Ngokomzekelo, ukufumana iindleko eziphezulu zentlawulo ngokuthatha isilinganiso esiphantsi okanye esingaphantsi kwemilinganiso yengozi kulungile kwaye u-Sharpe Ratio unokukunceda ukubonelela ngeziphumo ezibalwe kulo mphumo.
- Ukulinganiswa kweendleko : Ngokuqhelekileyo, yimali ejongene neendleko eziphantsi kakhulu ezenza okulungileyo, ingakumbi kwixesha elide (oko kukuthi iminyaka eyi-10 okanye ngaphezulu) kuba iindleko zivame ukukhangela ukusebenza.
- Ukunyuswa kweendleko zerhafu : Ukuba utyalo-mali kwi-akhawunti ehlawulwayo, ufuna ukunyamekela ukutyalomali ngemali eyenza imali engenayo (oko kukuthi izabelo, ukunikezelwa kweentengo ezinkulu) ezingahlawuliswa. Iirhafu ezingaphezulu zilingana nomvuzo ophantsi obuyela kuwe, umtyalomali.
Qaphela: Ngaphandle kweRatio yoNyaka kunye neRatio yeNtlawulo yeNtlawulo, amanyathelo amanani alweliswe kweli nqaku ayetyenziselwa kakuhle ukuphanda iimali ezilawulwa ngokuzimeleyo , kungekhona imali ye-Index.