Imithwalo ye-Mutual Fund Imirhumo yeeNdleko ine-Impact ngqo kwiNqanaba lakho lokubuyela
Isabelo ngasinye sokwabelana ngemali sibonisa ubunini bomnini-mali obuthile kwingxowa-mali kunye nemali engenayo. Kukho iimali eziphathekayo phantse yonke injongo kunye nemibono yezoqoqosho. Kanye njengoko kukho iindleko ezihambelana nokuthengiswa kwamasheya ngabanye kwimarike, kukho iindleko ezinxulumene nokulawula i-fund. Yilapho iifowuni zentlawulo yecala liza khona.
Ukwenza izigqibo ezifanelekileyo xa utyalo -mali kwiimali zentsebenziswano, kubalulekile ukuqonda indlela iindleko zokuxhasa ngayo imali kunye neendleko zokusebenza.
Imithwalo ye-Mutual Fund
Xa uthenga amasheya e-fund fund, enye yezona zinto zibaluleke kakhulu ekufuneka uzi ukuba yixabiso lemali eya kuhluthwa kwi-investment yakho okanye enye ikhokhelwa nguwe. Ezi ntlawulo zinokuba nempembelelo yangempela kwibuyiselo jikelele oyenzayo.
Okokuqala, kukho imirhumo yokuba ezinye iintlawulo zemali zihlawulwa njengeekomishoni xa uthengisa okanye uthengisa imali. Ezi ntlawulo zibizwa ngokuba yimithwalo kwaye zibalwa njengepesenti yemali oyithengayo okanye yokuthengisa.
Ingxowa-mali iya kuba:
- i -fund-load load , oku kuthetha ukuba uhlawula ipesenteji ezithile zokuthenga kwakho njengekhomishini phambili
- isikhwama sembuyiselo , oku kuthetha ukuba uhlawula ikhomishini (njengepesenti) xa uthengisa yonke into okanye inxalenye yokubamba kwakho kwi-fund
- isikhwama somthwalo osisigxina esithatha iirhafu rhoqo
- okanye isikhwama-mthwalo-ntlawulo , oku kuthetha ukuba awuhlawuli nkonzo. Ukususela kwimilinganiselo yangempela yokubuyiselwa kwembono, le yodwa uhlobo lokuxhaswa kwemali-mali ngokuqhelekileyo kufuneka athenge kodwa ahlale ekhona.
Akuqhelekanga ukuba umthwalo ube ngowama-5.75%, ngoko ke ukuba uthe watyala imali engama-R10 000 kwenye yale mali ye-front-load, uya kulahlekelwa yi-$ 575 ngokukhawuleza. Kodwa iimali ezisele kwimithwalo yangemuva azibuhlungu kangako. Ngaba ubona imirhumo echithwe kwizinto ocinga ukuba ziyimali yakho okanye, nangona kunjalo, unokulahlekelwa yimali kutyalo-mali lwakho kwaye ufanele ugqubuthele imali ye-back load xa uthengisa.
Ngethuba ekuqaleni ekuxhaseni imali ephathekayo inokuba yinto ekhangayo ngokubhekiselele ekusebenzeni kwayo kwentsholongwane, utshintsho lwefilosofi okanye idumela, kubalulekile ukuba wazi kakuhle ukuba ziphi iimali ngaphambi kokutyalomali. Kukho iingxowa-mali eziphathekayo ezingenamthwalo, ezifana neVanguard kunye ne-Fidelity imali kunye nabanye abaninzi. Ngokugqithisileyo, ezi mali zihlala zigqithiseleyo iimali ezilayishiwe.
Iimali zeeMali zeMatual Fund
Ngaphambi kokuthenga isikhwama-mali, kufuneka uhlale uphando ngexabiso lexabiso le-fund. Le yipesenti yeefa zeengxowa-mali ezichithwe kumvuzo ngamnye ngonyaka ukwenzela iifom zokusebenza zeendleko. Ezinye iimali zinemali efanelekileyo engadluli kwi-1%.
Abanye bangabakho 3% okanye ngaphezulu. Ezi ntlawulo zivela ngqo kwimali yakho yokufumana, ngoko ke umzantsi wexabiso, iphakamileyo izinga lakho lokubuyela.
Umlinganiselo wendleko uyenziwe yile, eyimali yokuhlawula ukuthengiswa kweengxowa-mali kubanini-mali-mali, kwaye intlawulo yolawulo , ehlawula umvuzo wabaphathi bezimali. Ayikho yonke imali ehlawulisa umrhumo we-12b-1, kodwa ukuba bayakwenza, bayakufuneka ngokomthetho ukuba bayibhale kwi-prospectus (umrhumo osemthethweni ukuthengisa isithuthi kuluntu). Umlinganiselo wesilinganiso semali yokuxhaswa kwemali phakathi kwe-1.3-1.5%. Kodwa njengalowo naluphi na umyinge, kunjalo, kukho imali ephantsi kwexabiso layo kunye namanye aphezulu.
Ezinye iimali, ezifana neVanguard, zenza umsebenzi ogqwesileyo wokugcina iifizi eziphantsi ukwenzela ukuba ingeniso yengxowa mali ingabuyiselwa kubatyalomali, ingahlawulwa kubaphathi.
Ukubeka enye imali yeengxowa-mali ngokucacileyo, thelekisa kwiVanguard.
Unokwenza uphando ngeemali kunye nemithwalo yazo nayiphina imali ye-intanethi kwiindawo ezifana ne-Morningstar.