Yithini nawuphi na umtyalo-mali omele azi ngeMali yeMali
I-fund efanayo iya kudlulela kwiingeniso (kunye nelahleko) zalabo batyalo-mali kubanini-mali.
Yintoni eyenza i-Mutual Funds i-Good Investment Options
Iimali zengxowa-mali ziyingxenye yezona zikhetho ezisetyenzisiweyo kakhulu zotyalo-mali phakathi kwabathengi abaqhelekileyo kunye nabaqeqeshi bezezimali ngokufanayo. Kodwa kutheni utyalo-mali kuxoxisana ngemali efanelekileyo? Nangona ezinye iimali eziphathekayo zizakhele ngakumbi utshalomali olungcono kunabanye (kunye nabanye abakhonza iimfuno ezizodwa zokutshala imali), yiyiphi imali edibeneyo ekunikezeni imali ngabanini- mali ukuba mhlawumbi iyona inzuzo ebalulekileyo.
Okokuqala kunye nokuphambili, inkxaso-mali yokunika inkxaso abatyala-mali bafikelele kwiintlobo ezahlukeneyo zotyalo-mali abangenako ukuzenza kwiipotfoliyo zabo njengemfihlo. Ekubeni iimali zobudlelwane-mali zityalwa kwiintlobo ezahlukeneyo zobungqina kunye nokukhethwa kotyalo-mali, enye share share fund ibonisa ubunini obulinganayo kulowo nalowo utyalo-mali kwipotfoliyo yemali.
Inomdla omkhulu kubatyalomali kukuba isabelo ngasinye sichaza ngokuxhomekeke inzuzo yalezo zimali njengoko iimali ezifunyaniswayo zifuneka ukuba zidlulele kunye neenzuzo kubathengi babo ngendlela yokunikezelwa kweengxowa-mali , eza ezahlukahlukeneyo. Kwimali ehlanganyelweyo, ixabiso lezabelo zakho liyakhuphuka kwaye lihla njengoko ixabiso lesitoksi kunye nezibophelelo kwi-fund ziphakama kwaye ziwa.
Ukuba umtyalo-mali oqhelekileyo ukuba abe nokuchasana okufanayo kwezo zikhetho zokutshala imali kunye neenzuzo ezingenako ziza kuba zibiza kakhulu ngokubhekiselele kwi-dollar eyona mali-mali kunye nexesha.
Ukongezelela, utyalo-mali kwimali-mboleko ngokuqhelekileyo yindlela echanekileyo yokufumana ulawulo lwemali. Ngaba umtyalo-mali ngamnye uzama ukutyalomali kwiimali ezizimeleyo kunye nokuzilawula ngokuzimeleyo ngendlela umphathi weengxowa-mali ezenza ngayo, kungenza kube lula ukuba ngumsebenzi wesikhathi esigcwele (njengoko kunjalo kubaphathi beengxowa-mali zehlabathi!). Ukuze wenze izigqibo zobutyebi ezizenzekelayo xa uthengela izitokethi kunye nezibophelelo ngokwakho, ubuncinci kufuneka ube nolwazi lokwenza uphando olunzulu kwiintlobo ezahlukeneyo zamashishini ngokubanzi (imoto, ukwakhiwa, unyango) nakwiinkampani ezithile. (GE, IBM, iMicrosoft). Lo ngumsebenzi ininzi lethu asinomdla kuyo, asinayo ixesha, kwaye, ngokubaluleke kakhulu, mhlawumbi ayifanelekanga. Kodwa ngokuthenga izabelo zeengxowa-mali, uxanduva lokulawula imali kunye nezakhono zotyalo-mali kumphathi wezezimali apho umsebenzi wakhe utyalo kwaye uvuselele imali-mboleko yemali-mboleko ngokusekelwe kwiinjongo ezibekwe kwiinjongo.
Nangona iimali zengxowa-mali zibanika ezi ntlawulo kubasomali babo, azifihla mahhala.
Iimali zeMutual Fund Ifihla indleko zoLawulo
Umtyalomali ngamnye uhlawuliswe ipesenteji yokutyalomali lwakhe ukukunceda zonke iindleko zokuqhuba isikhwama-mali, kubandakanywa nokuba nomphathi weengxowa-mali kunye nophando, ukuthenga kunye nokuthengisa amasheya. Kodwa kwakhona, abatyali-mali baya kuzuza kwiimali-mali ezihlangeneyo. Iimali zengxowa-mali zengxowa-mali ziyazisasazeka kubo bonke abatyali-mali, ngoko ke iindleko kumntu ngamnye-mali-mali ziyancinci kunokuba ziza kuba zathengile i-stocks ngqo kwaye zihlawule umthengisi okanye umcebisi wezemali ukulawula utyalo-mali. Nangona ezininzi ukhetho lweengxowa-mali zidibene-mali, zininzi iintlobo zemali-mboleko yemali-mali, ukusuka kwiintlawulo zangaphambili-mboleko kwiimirhumo eziqhubekayo, ngoko ke kukulungele ukuba uqaphele uhlobo lomrhumo kunye nokuba lubalwa kanjani utyalo-mali kwingxowa-mali.
Ezinye iintlobo zeeMali eziManyeneyo: iiNgxowa zeeNkcazo
Namhlanje, akuzona zonke iimali ezilawulwa ngumphathi wezemali. Imali yekhompyutha isebenzisa inkqubo yecomputer ukuthenga yonke isitokethi kwireferensi ethile, efana noRussell 3000 okanye i- S & P 500 , kungakhathaliseki ukuba baqhuba njani. Akunakudinga ukwenza uphando okanye uzame ukuhamba kweemarike ukuthenga okanye ukuthengisa ngexesha "elifanelekileyo". Iimali zeengxowa zeengxowa-mali, ngoko ke, ngokubanzi ziphantsi kakhulu kuneemali ezilawulwayo, kwaye ngoko ke ukubuyiswa kotyalo-mali kuphezulu.