Umzekelo wePortfolio of American Funds
Abagqwelisi abaqhelekileyo, njengo- Edward Jones , uthando lokuthengisa ama-American Funds ngenxa yokuba banamarekhodi angamaxesha angamaxesha aphezulu kwaye banokufumana iimali zabo ngokuthengisa amanani eklasi abelanayo atyala iintlawulo, njenge- A Share Class (umthwalo wangaphambili) kunye no- B Yabelana Iiklasi (umthwalo osemva).
Ukufumana imfuno yemali engekho mthwalo , ngakumbi kwi-401 (k) izicwangciso, ama-American Funds adala i- R-share class , eyenza abadayisi bahlawulwe ngezinye iindlela, njengee-12b-1 Imirhumo. Ngokomzekelo, unokubona i- American Funds Growth Fund yaseMerika okanye i- American Funds Abanini-mali abakhulu okanye i- American Funds Small Cap World kwi-R1, R2, R3 okanye i-R4.
Kodwa yiziphi iimali eziMnandi zeMelika kunye nomntu onotyala-mali angayenza njani iphothifoliyo kunye nabo? Ufike kwindawo efanelekileyo yokuphendula!
Qala ngeSakhiwo esihle sePortfolio
Ngaphambi kokuba sikhethe i-Amanqaku aseMelika angcono ukuwasebenzisa kwipotfoliyo yethu, siza kuhlaziya isakhiwo sephothifoliyo esilula kodwa esisebenzayo, esibizwa ngokuba sisiseko kunye nesathelayithi , esafana nje ngokuba kuzwakala: Iphothifoliyo yakhiwe malunga "nokubamba," isikhombi-sikhokelo esikhulu samashishini, kunye neengxowa-mali ezinkulu, kunye nezinye iintlobo zemali-"ii-satellites holdings" -iyo yonke into eyenziwa ngamacandelo amancinci kwipotfoliyo yokugqiba yonke.
Ama-satellites ngokuqhelekileyo aneemali ezivela kwiindidi ezahlukahlukeneyo, ezifana nesitoko samazwe angaphandle, i-stock-cap stock, i-bond bond, kunye namaxesha athile.
Injongo ephambili yale mveliso yoyilothifoliyo kukunciphisa umngcipheko ngokusebenzisa ulwahlulo (ukubeka amaqanda akho kwiibhasikiti ezahlukeneyo) ngelixa uphumelele (ukufumana imbuyiselo ephezulu kune-benchmarkmark) yokusebenza, njenge- S & P 500 Index .
Iimali zeMelika aziboneleli ngemali yenkcazo okanye imali yamacandelo kodwa kukho ukhetho oluninzi kwi-fund line yabo ekuncedeni ukwakha iphothifoliyo eyahlukeneyo. Kwakhona, ezininzi zeemali zabo zontlupheko zithengiswa kwiimpahla zangaphandle , nangona zingabandakanywa ngokwasemthethweni njengemali yeempahla zangaphandle.
Ngako oko, ukukhusela imali eninzi kunye nokufumana ukufikelela kwiimpahla ezivela kwamanye amazwe kwiipotifoliyo, le posifoliyo yamashishini aseMelika ayiyi kuba ne-fund yangaphandle.
I-Portfolio yeSampula yeeMali eziMnandi zaseMelika
Ngoku ukuba sinezixhobo eziphambili zePortfolio yethu ye-American Funds, sinokukhangela umzekelo onokuba ngumzekelo wokwakha iphothifoliyo yakho:
- I-40% ye-American Funds Growth Fund yaseMelika (i-AGTHX): Iimpahla eziphezulu
- 20% Iimali zeMelika ze-Smallcap World (SMCWX): Amasheya ase-US nakwamanye amazwe
- I-40% ye-American Funds Bond Fund yaseMerika (ABNDX): iibhondi
Lo mxube othile we-Amanqaku aseMelika ngumzekelo wepoteliyoli ephakathi , okufanelekileyo kumtyalo-mali ngokunyamezela kokunyamekela kwengozi kunye nexesha elingama-5 ubuncinane. Abatyalomali abancinane banamkelekile ukwamukela ixesha lokunciphisa ukunyuka kweemarike (ukuphakama kunye nokuhla kwexabiso le-akhawunti) ngokutshintshela ukuba kunokwenzeka ukuba ufumane imbuyekezo ukuba ukuphuma kwexabiso lokungena kwempahla ngumgama osemazantsi.
Ukuhlaliswa kwee-asethi ngamasheya angama-60 kunye no-40%.
Kwakhona ugcine engqondweni ukuba yonke imali kule posifoliyo yesampula yama-American Funds i-A share funds. Ukuba utyalo-mali kwisicwangciso se-401 (k), kungenzeka ukuba izabelo zeR ziza kusetyenziswa kwaye ngoko i- ticker symbol iyahluka .
Ungabona kwakhona ukuba le potifoliyo ineemali ezintathu kuphela. Ezi zintathu zemali zixhaphake ngokubanzi ukuba akukho mfuneko yokufumana imali engaphezulu kwiipotifoliyo.
Kungakhathaliseki ukuba yiyiphi i-American Funds oyikhethayo, qi niqiniseke ukuba usebenzisa umxube ohlukeneyo weentlobo zeengxowa-mali kunye nokulandela izi khokelo ekuhlalutheni imali .
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.