Impendulo emfutshane: Kwihlabathi lezentengiselwano mali-mali , iindleko zilinganiswa ngokulingana kweendleko zomzimba.
Zonke iimali ezihlanganyelweyo kufuneka, ngokomthetho nangendlela echazwe yiKhomishoni ye-Securities and Exchange, ichaza inani leendleko kubakho-mali abakhoyo nabasenokuba ngabanini-mali.
Ukuphulwa kweendleko ezibandakanya ukulinganiswa kweendleko zeMatual Fund
Umlinganiselo oqhelekileyo wokuhlawula iindleko zomtshato uya kufaka iindleko ezininzi. Ezi ndleko neendleko zi:
Iimali zoLawulo:
Lo ngumrhumo ohlawulwa kwiinkampani zolawulo lwephothifoliyo yokutyalomali imali ngokwegunya elinqunywe libhunga labalawuli bebhanki . Imirhumo yolawulo ngokuqhelekileyo yindleko enkulu yecandelo lomyinge weendleko zomzimba. Umrhumo wolawulo oluqhelekileyo unokugijima ukusuka ku-0.50% ukuya phezulu u-2.00%. Ngokuqhelekileyo, inkokhelo ephantsi, ingcono kumtyalomali kuba yonke ipenari oyihlawulayo yolawulo yipenki engabonakaliyo ubutyebi bakho nangona oku akusoloko kuchanekile (nangona kungaphezulu kwelo nqaku, kukho amaxesha xa kugxininisa kuphela kwiimirhumo kunokubangela umonakalo omkhulu kumnatha wakho kwixesha elide).
Iikhampani ze-Mutual fund zihlala zihlawulisa ezinye iintlobo zemirhumo; umzekelo, i-fund yomhlaba wonke okanye yomhlaba wonke iya kuba yindleko kuneendleko zomxhaso lwasekhaya kodwa iindleko eziphezulu zichanekileyo.
Iindleko ze-Frictional ezifana neendleko zokuThengisa : I-fund efanayo kufuneka ihlawule i- stock brokers ikhomishini njengokuba ngabatsalomali ngabanye; nangona kunjalo, iirhafu zinjenge-1 ยข isabelo okanye ngaphantsi.
IiNgxowa ezinentlawulo ephezulu - oko kukuthi, bahlala bethenga kwaye bathengisa utyalo-mali bavame ukuvelisa iindleko zokuthengisa eziphezulu kakhulu, ukwandisa umlinganiselo weendleko zomzimba. Ukongezelela, inzuzo ephezulu kwipotfoliyo yokutshala imali ingabangela irhafu ephezulu yokufumana irhafu kunye nezinye iindleko.
Iindleko zeMpahla: Iikhampani ze-Mutual fund zifunwa ukuba zibeke utyalo-mali olugcinwe yibhanki elikhuselayo. Ezi mabhanki zinoxanduva lokubhalisa izitokisi, izibophelelo, okanye ezinye iziqinisekiso egameni le-fund, kwezinye iimeko ngekhompyutha kunye nakwabanye abanezatifikethi zokugcina impahla, ukuqokelela isabelo okanye inzala , ukujongana neziganeko zenkampani ezifana nokuhlukana kwempahla , kunye kugcinwe iindleko zeengxelo kwizithuba ukwenzela ukuba inzuzo kunye nolwazi lokulahlekelwa lufikeleleke ngokukhawuleza ngabaphathi. Iindleko zokugcinwa kweendleko zincinci njengepesenti yomlinganiselo weendleko zomzimba.
I-12b-1 Imirhumo yokuThengisa: Ezi ntengiso zonyaka kunye neentengiso zithathwa kwizabelo zabanini-mali kwaye zisetyenziselwa ukuphakamisa i-fund ngenjongo yokwenza imali. Imali engaphezulu yesikhwama, imali engaphezulu abaphathi beepotfoliyo benza kwimivuzo yabo yolawulo. Umrhumo we-12b-1 awunanto nto kuwe njengomalimi-mali emva kokuba i-fund iphelile, ithi, i-$ 100 yezigidi kwixabiso lempahla.
Imali ye-12b-1 yokuthengisa iyongezwa kwingxowa-mali yemali yokuthenga imali ngenxa yokuba iyimali ephuma ngaphandle kwipokoth yakho ngaphandle kokuba ubambe izabelo zakho ngomnye wabathengi abambalwa ababuyisela le ntlawulo kubalimi-mali.
Iindleko Zomthetho: Iimali zengxowa-mali kufuneka zifake iphepha kunye ne-SEC kunye nabanye abalawuli, amaphepha afakwe kwiifayile, athole iisenisi ezithile, kunye nezinye izinto ezininzi ezifuna ubuchule bezomthetho. Ngenxa yeengxowa-mali ezininzi, iindleko zomthetho ziyingxenye encinci yemilinganiselo yeendleko zomzimba.
Imirhumo ye-Agent: Xa umnini- mali wabambisene uthengisa okanye uthengisa inxalenye yakhe yotyalomali kwingxowa-mali, i-arhente yokudlulisa kufuneka ijongane nemaphepha, imali kunye neengxelo zeakhawunti. Abaphathi bezokudlulisa baphatha umsebenzi wemihla ngemihla yokugcina iirekhodi zabanikazi abanini-zimali abanayo i-fund, ukubuyisana nokubuyiswa kwezicelo , kunye nezinye iimbopheleleko ezibalulekileyo kwiimveliso zentengiso kunye neebholtshi.
Kukho ezinye iirhafu, iindleko kunye neendleko kwixabiso loxanduva lokuxhaswa kwemali, kodwa mhlawumbi, ukuhlanganiswa kwezinto eziluhlu olukhankanywe ngasentla kuya kumela malunga neemeko ozifumanayo kwimpilo yakho yokutyalomali.
Iindleko ezongeziweyo ezifunekayo, kodwa azinjalo, zibandakanywe kwi-Mutual Fund Imali-mboleko
Kukho ezinye iimbalwa ezimbalwa ezithembekileyo kwiindleko zabasebenzi bezabelo zengxowa-mali kodwa ezingabandakanywa kwizinga lokuhlawula imali. Ezi ziquka:
Imali yokuThengiswa kweMali ye-Mutual Fund: Umthwalo wokuthengiswa kweengxowa-mali ohlangeneyo awukho nto ngaphandle kwekhomishana eya kumntu okanye kwiziko eliqinisekisileyo ukuba utyalole imali yakho. Ukuba i- fund efanayo inomthwalo wokuthengisa we-5% kwaye utyalomali i-$ 100,000, ulahlekelwa ngokukhawuleza u-5,000 we-investor yakho kwaye ube ne-$ 95,000 kuphela yengxowa-mali. Imithwalo yokuthengiswa kweengxowa-mali ze-Mutual ziphantse ziyimfuneko kwaye zimbi kodwa zikhona iimeko ezimbalwa apho zingamkeleka. Ngokomzekelo, abanye abantu abanako ukugcina imali okanye basenokukwesaba kunye nokuphuma kwemali ngaphandle kokuba banesandla sabo esinobugcisa. Ukuba umthwalo wokuthengisa uphumelela kumntu ohlala kwiklasi ngokuphuhlisa ubuhlobo kunye nomcebisi, kuya kuba yiphesenti encinci ye-capital emva kwe-10, 20 okanye iminyaka engama-30. Ngokomntu, ndingathanda umcebisi-based based adviser owenzela imali ukukhula kobutyebi kubatyalomali, bengathengisi iimveliso zemali. Imali yokuthengisa i-Mutual fund imele ifakwe kwiirhafu zeemali zentengiso kodwa azikho.
Isifundo kuyo yonke le nto kukuqwalasela umlinganiselo weendleko zomhlala-mali. Imela imali yangempela ezayo ngqo ephakamileyo lakho. Ukuba unjengabalimi-mali abaninzi, unokugqiba ekubeni utyalomali kwingxowa-mali yexabiso eliphantsi ngenxa yexabiso eliphantsi leendleko . Akusoloko isisombululo esipheleleyo - iimali zenkcazo ziye zatshintsha ngokuzenzekelayo utshintsho oluthile kwiminyaka embalwa edlulileyo kufuneka lunike nabani na obeka ingqwalasela ebalulekileyo ekukhathazeni njengoko beza kulawula indawo yokutshala imali - kodwa banendawo yabo.
Ulwazi olungakumbi malunga nokutyalomali kwiMual Funds
Ukuze ufunde okungakumbi malunga nendlela yokutshala imali kwiimali ezihlangeneyo, funda i-Guide Complete Beginner yoTyalo-mali kwi-Mutual Funds , ekhethekileyo ndiyibumbeneyo edibanisa nakwezinye iziqulatho ezifanelekileyo ze-fund kunye ne- Investment for Beginners site.