Ukufunda iSiseko seNkcazo yokuTyala
Kule nqaku sikhankanya ukuba kutheni iimali zenkcazo ezilawulwe ngokungathandabuzekiyo zinokunceda, ngokuchasene nemali elawulwa ngokusebenzayo .
Iimali ezilawulwa ngokungapheliyo Inkcazo kunye neZiseko
Ikhredithi elawulwa ngokungapheliyo ilandelelanisa uluhlu lweemarike, ezifana ne- S & P 500 , kodwa inokulandelela icandelo elithile okanye inxalenye yemarike.
Isizathu sokuba le mali ichazwe njengento engabonakaliyo kukuba akukho cwangciso esisebenzayo sokuba umphathi wezikhwama ukuba athenge aze athengise ukugcinwa kweemfihlo ekuqaliseni kwabo. Kunoko umphathi wezezixhobo uthenga kwaye ugcina izithenkethi zenkcazo yokubonisa.
Iimali zeengxelo kwiingcamango ezicacileyo zekota zilawulwa ngokungapheliyo. Kodwa ingxowa-mali engaphelelangayo ayikho inkcazo yengxowa ngencazelo. Masiqwalasele ngokukufutshane oku ukucacisa umahluko kunye nokufana. Intambo ekhoyo phakathi kweengxowa-mali ezilawulwa ngokungathandabuzekiyo kunye neengxowa-mali ezingekho phantsi kweengxowa-mali ezingaphelelwanga, kukuba abaphathi bezezimali balandela izikhokelo ezimiselweyo zokubamba iimali zabo. Iimali ze-Index zibhekwa njengezimali ezilawulwa ngokunganyanzelwanga.
Umzekelo, inkcazo yenkcazo ezama ukulinganisa ukubuya kwe-S & P 500 iya kubamba izitokisi (okanye ubuninzi besitokethi) ngaphakathi kwe-S & P 500. Ingxowa engekho phantsi kwekhompyutheni engapheliyo ingabamba iqela elichazwe ngaphambili leklasi yexabiso - njenge-encinci ye-25% yemarike kunye nomlinganiselo ophantsi kwexabiso ukuya kwincwadi.
Kuzo zombini iimeko, umphathi weepotfoliyo yesikhwama ayenzi iinqununu "ezisebenzayo" zeziphi iziqinisekiso zokuba nazo.
Uninzi lwemali elawulwa ngokunyanisekileyo lukwabelana ngeenzuzo ezimbini kwiimali ezilawulwa ngempumelelo. Iingxowa-mali eziphathekayo ngokuqhelekileyo zinokulinganiswa kweendleko eziphantsi kunye nokwahlula okuncinci kwemali . Ngoko ke imali elawulwa ngokunyanzeliswayo iya kubonelela ngokubonelela ngeerhafu, oku kuthetha ukuba baya kuvelisa irhafu encinci kumtyalo-mali kunabalingani abaphetheyo.
Iintlobo zeeNgxelo okanye iiNdiya
Ezinye iimbosi (okanye iinqaku, ukuba ukhetha eli thuba) ziquka iDow Jones Industrial Index, i-Barclays Aggregate Bond Index, uRussell 1000 Index, uRussell 2000 Index, uRussell 3000 Index, i-S & P 400 Mid-Cap Index, iWilshire I-Index ye-5000, kunye neenkalo ezahlukeneyo zeenkcukacha ze-MSCI EAFE. Kukho iimali zenkcazo ezijoliswe ngokukodwa ukulandelela ezi ngxelo. Kukho neendleko ezilandelwayo kumacandelo ahlukeneyo, afana nezibonelelo, iteknoloji, ukunakekelwa kwezempilo, iimali kunye nezitye ezixabisekileyo.
Kodwa kwakhona, kukho ezinye iimali ezilawulwe ngokungathandabuzekiyo ezingayilandelanga inkcazo yangempela. Esikhundleni salokho zenzelwe ukulandelela ngokukhawuleza ukunikezelwa kwelitye okanye iqela elithile elikhethiweyo lokubambisa. Oku kwenza ukuba batyekise imali ngempahla esebenzayo. Ezi zihlandlo ngamanye amaxesha zibizwa ngokuba yi-index index.
Nazi izixhumanisi kwizihloko ezihambelanayo:
Uluhlu lweeNkcukacha zeMarike enkulu
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.