Qaphela ukuba yeyiphi iCandelo lokwabelana ngeNgxowa yeNgxowa yeyona nto ilungileyo
Kukho iindidi ezahlukileyo zokwabelana ngemali .
Uluhlu lubonakala lufihla phantse i-alfabhethi. Kukho i-A, B, C, D, I, K, R, kunye neZ zamasabelo. Kwaye yiloo nto ndiyibonile ngaphambili; ngoko ke mhlawumbi abanye ngaphandle!
Iisiseko kwiiKlasi zeSahluko seSahluko seMatual
Iyokuqala kunye neyona nto ingcono yokwenza malunga neeklasi zengxowa-mali zengxowa-mali yileyo nto, ukuba u-invest-self-investor, i-class share share for you is not classic share class - it's no load ! Ngamanye amaxesha iinkampani zengxowa-mali ziza kuhlawula imali-mthwalo nje ngokuba "izabelo-mali."
Isizathu esilungileyo sokuthenga izabelo, izabelo zeB okanye izabelo ze- C kunye nemali yecala ngenxa yokuba unomcebisi okanye umthengisi ohlawulwa yikhomishini. Ukuba awuqinisekanga ukuba kutheni, kwaye ufuna ukwazi ngakumbi, unokufuna ukwenza umsebenzi ophezulu wesikolo ngokufunda i- athikili yam ngokukhetha umcebisi ongcono .
Nazi iinqununu kwiiklasi zentengiso yabathengi:
- I-A A Yabelana Ngeengxowa Zemali : Ezi mali zihlawula oko kuthiwa " umthwalo wangaphambili ," oko kuthetha ukuba uza kuhlawula ipesenti yemali yakho yokuthenga rhoqo xa uthenge amasheya. Imithwalo yangaphambili ihamba phakathi kwe-3% ne-5% kodwa ingaba phezulu. Umzekelo, ukuba uthenge i-A share share fund kunye nomthwalo wokuqala we-5%, kwaye uthengisa i-$ 10,000 zezabelo, uza kuhlawula i-$ 500. Ngamazwi ahlukeneyo, uya kugqiba ukutshala imali engama-9 500 ayi-$ 10,000.
- I-B B Yabelana ngeMali yokuThengiswa kweMali: Le mali ihlawulisa "umthwalo wempendulo," ebizwa ngokuba yi-"charge charge deferred sales charge (CDSC)", oku kuthetha ukuba uza kuhlawula ipesenti yexabiso leedola yezabelo ezithengisiwe. Imali, awuyi kuhlawula phambili kodwa uya kuhlawula xa uthengisa. Ngethamsanqa umthwalo wecala uyancipha kancane kancane ngelixa ubambe i-fund kwaye ekugqibeleni umthwalo uya kuwo wonke umda. Ngokuqhelekileyo banento ebizwa ngokuba yi-12b-1 intlawulo, eyandisa iindleko ze-fund.
- Iklasi C Yabelana ngeMali yokuThengana kweMali : Le mali ihlawula oko kuthiwa "umthwalo wemilinganiselo," oku kuthetha ukuba kukho imali eqhubekayo, ngokuqhelekileyo i-1.00%, ngokungakhathaliseki ukuba ubambe i-fund. Oku kwandisa iindleko zeengxowa-mali kwaye zidibanisa ukubuyiswa kwemali, njengemali ye-12b-1 kunye nebelo-B.
Yiyiphi iCandelo lezabelo eliPhambili-A, B, okanye C?
Kwakhona, ukuba ungumenzi-mali-mali-mali, akukho mali-mthwalo efanelekileyo yokubheja. Ngokuqhelekileyo banokulinganiswa kweendleko eziphantsi kwaye akukho mthwalo ukuhlawula. Oku kuguqulela kwimbuyekezo ephezulu phezu kwexesha kuba ngaphezulu kwemali yakho ihlala kwingxowa-mali, kunokungena kwizandla zomthengisi we-stock okanye inkampani ye-fund.
Kodwa ukuba uthengisa imali elayishiwe, nantsi ukuphazamiseka okuyisiseko kwizinto ezilungileyo kuwe:
- Xa iiArares ziPhambili : Abatyalomali bexesha elide (ngaphezu kweminyaka emi-5 kwaye ngokuqinisekileyo ngaphezu kwe-10) baya kwenza ngcono nge-A share funds. Nangona umthwalo wangaphambili ungabonakala uphakamileyo, iindleko eziqhubekayo zangaphakathi ze-A share funds zivame ukuba zingaphantsi kwezabelo zeB no-C.
- Xa ama-B Akwabi kakhulu : Ukuba ucinga ukuba uza kuthengisa izabelo zakho malunga neminyaka emi-5 ukuya kweyesi-7, kwaye inani lemithwalo yangemuva liyancipha ngamnye unyaka, izabelo zeB ziya kuba yinto efanelekileyo kuba awuyi kuhlawula nayiphi na umthwalo phambi kwaye Ndiza kuhlawula encinane okanye akukho nto xa uthengisa. Nceda uqiniseke ukuba umlinganiselo wendleko awukho phezulu (unethemba lokuba awukho ngaphezulu kwe-1.00%).
- Xa iiSahluko ze-C ziLungile : Le nqanaba yesabelo ngokuqhelekileyo yinto engcono kakhulu xa uya kubamba ii-share share fund yakho ngexesha elifutshane (ngaphezulu konyaka omnye kodwa ngaphantsi kweyesithathu). Awunakhokheli umthwalo wangaphambili kodwa umthwalo wempendulo ngamanye amaxesha uhlawuliswa xa uthengisa i-fund ngaphantsi komnyaka owodwa. Umthwalo oqhubekayo we-1.00% ufumana ixabiso elidlulileyo ngexesha, oko kutheni oku kulungelele ukuya kwiminyaka emithathu.
Okona kubaluleke kakhulu, qhubeka uzama ukugcina iindleko ezincinci kunokwenzeka kwaye uthenge kuphela iimali ezifanelekileyo ezinjongo zakho zokutyalomali kunye nokunyamezela.