Indlela yokwenza imali ngokuTyala imali kwiMual Funds

Ukuqonda indlela i-Mutual Funds eyenza ngayo imali

Ama-America atyalile kwimali yokubambisana ngo- 401 (k) isicwangciso somsebenzi, iRoth IRA yabo, i- IRA yabo yeNdabuko , yabo 403 (b) , i-SEP-IRAs, i- SIMPLE IRA yabo , okanye nayiphi na iindidi zeakhawunti yomhlalaphantsi , kakhulu kangangokuthi zimela inani elikhulu lezinto eziphathwe kuzo. Ngelishwa, abatsha-mali abatsha, kunye nabanikazi beakhawunti yomhlala-phantsi, abanako ukukuxelela ngokwenene ukuba yintoni imali ehlanganyelana ngayo, ukuba i-fund fund isebenza njani, okanye ukuba umntu ngokwenene wenza imali ukuba abe ne- fund fund .

Ziziphi iimali zomzimba

Ngaphambi kokuba uqondisise indlela abatyalo-mali abenza ngayo imali imali-mali, kufuneka uqonde ukuba yintoni inkxaso-mali kunye nendlela ivelisa ngayo inzuzo. Unokuqala ngokufunda iqela lamagama , kodwa ukuba ucinezelwa ixesha, nantsi inkcazelo ekhutshweyo.

Ngokucacileyo, i-fund fund iyigama elisetyenziselwa ukuchaza uhlobo lwenkampani engenzi nto nto, kodwa kunokuba ityala imali. Inkampani, eyona ngxowa-mali, iqeshe umphathi wepotfoliyo kwaye ihlawule imali yokulawula, edla rhoqo phakathi kwe-0.50% kunye ne-2.00% yeefa. Umphathi wephothifoliyo uhlawula imali ephakanyiswe yingxowa-mali ngokucwangcisa isicwangciso esichazwe kumqulu obizwa ngokuba yi- prospectus fundus .

Ezinye iingxowa-mali zixhomekeke ekutyaleni imali kwiimpahla, ezinye zikhonkxwe, ezinye zihlala kwindawo yokuhlala, ezinye zegolide. Uludwe luqhubeka ngokuqhubekayo kunye nemali ehlanganyelweyo malunga naluphi na uhlobo lwesicwangciso-mali okanye i-niche onokuyicinga.

Kukho nemali eyenzelwe abantu abafuna kuphela ukufumana izabelo zokuhlawula kwi- S & P 500 ezongezele ukwahlula minyaka yonke kwiminyaka eyi-25 edlulileyo! Kukhuselekile ukuthetha ukuba kukho isikhwama sokubambisana malunga naluphi na injongo onokufisa ukufezekisa.

Iimali zengxowa-mali ziyakwenza njani imali

Udidi lweengxowa-mali ezizimeleyo oza kutyalomali luya kugqiba indlela owenza ngayo imali.

Ukuba unayo i- stock fund , sele usufunde ukuba imithombo eninzi yentengo ingenako ukunyuka kwintengo yempahla ( imali eyinzuzo ) okanye izabelo zemali ezihlawulwe kuwe ngenxa yesabelo sakho se-intando yenzuzo yenkampani. Ukuba le ngxowa-mali igxininise ekutyalomali kwiibhondi , unokuba wenze imali ngenzuzo yengeniso . Ukuba le ngxowa-mali igxininise ekutyaleni imali kwi-estate , ungenza imali kwiintlawulo, ukuxabisa impahla, kunye neenzuzo kwimisebenzi yezoshishino, ezifana nezitshini zokuthengisa ezakhiweni zeofisi.

Ezi zitshixo zokwenza imali ngokusebenzisa utyalo mali

Kukho izihluthulelo ezintathu eziphambili zokwenza imali ngokutyalomali mali . Zezi:

1. Yenza imali kuphela kwiintlawulo zeMual Funds oyiqondayo
   Ukuba awukwazi ukuchazela, ngokukhawuleza, ngokukhawuleza, kunye neenkcukacha ezithile, ngokuthe ngqo ukuba i-fund fund iyayifaka njani, yintoni ekubanjelwe kuyo, ukuba yiyiphi ingozi yesicwangciso-mali sokubambisa imali, kunye nokuba kutheni unayo imali ethile, mhlawumbi akufanele ube nayo kwipotfoliyo yakho. Kulula kakhulu ukulinganisa, uqulethe, kwaye uyayiqonda ingozi xa ugcina izinto zilula.
2. Cinga Ngexesha Eliyiminyaka emi-5 okanye ngaphezulu
   Kulula kakhulu ukuvumela ubuncwane bakho ukuba baqhube ukukhwela amaxesha amaninzi okugulisa ukunyaniseka kweemarike eziyingxenye kunye nenxalenye yokutyalo-mali kwiimpahla okanye kwiibhondi. Ukuba ungumnini, tshela, ukuxhaswa kwemali ye-equual fund, lungilungele ukuhla kwe-50% kunoma yimuphi unyaka onikeziweyo. Ezi zinto zenzeka. Ukubonisa ukuba wenze isicwangciso esiphandiweyo, isicwangciso esilungileyo esisekelwe kumqondo oqhelekileyo, izibalo eziphambili, kunye nezicwangciso zokulawula ingozi, ukuvumela ukuba ube nemvakalelo kwaye uthengise iimpahla zakho ezivelisayo ngexesha elibi kakhulu akunakukwenza ukuba wakhe ubutyebi obuhlala ixesha elide.

1. Hlawula iindleko ezifanelekileyo
   Ngaphandle kwemilinganiselo yeendleko zomzimba, kubalulekile ukuqwalasela ezinye iindleko. Imiba yokusebenza kweRhafu. Imfuno yemali ibalulekile. Imiba yokuchasana nobungozi. Yonke imfuneko yokulinganiswa kunye nezinye izinto ezifanelekileyo. Ingongoma kukuqinisekisa ukuba ufumanisa ixabiso lezinto ozihlawulayo.

Nceda uqaphele ukuba i-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.