Inkcazo yeCandelo loTyalo-mali, Inkcazo, iingcebiso kunye neNzuzo
Investment Club Inkcazo
Ngamaqela otyalo-mali aphakama ekuthandeni kwiminyaka yamuva, iKhomishana ye - Securities and Exchange , okanye i-SEC, uye yacacisa ukuba abatyali-zimali isiseko esisiseko kunye nemithetho yeeklabhu zokutyalomali.
Nantsi inkcazo ye-SEC yeklabhu yotyalo-mali:
Iqela lotyalo-mali liqela labantu abafaka imali yabo ukuze benze utyalo-mali. Ngokuqhelekileyo, iiklabhu zotyalo-mali zihlelwe njengentsebenziswano kwaye, emva kokuba amalungu afunde utyalo-mali ohlukeneyo, iqela ligqiba ukuthenga okanye ukuthengisa ngokusekelwe kwivoti ininzi yamalungu. Iintlanganiso zeKlabhu zingaba yimfundo kwaye ilungu ngalinye lingathatha inxaxheba kwiingcebiso zotyalo-mali.
Iingxowa-mali, ngoko ke, zinokuthelekiswa kunye nemali ehlanganyelweyo, okuqinisekisiwe kovimba-mali abenza utyalo-mali ukuba bahlanganise imali yabo ndawonye kunye nolo-mali olulawulwayo olulodwa. Iimali zengxowa-mali ziya kufaka imali kwiimpahla, izibhonkco, imali okanye ukudibanisa ezo zinto. Nangona kunjalo, kunye neeklabhu zokutshala imali, amalungu eklabhu atyala imali yawo kwaye asebenze njengeqela lolawulo. Bonke bobabini umphathi kunye notyalomali ngexesha elifanayo.
IMigaqo yeCandelo loTyalo-mali kunye neMimiselo
Ngokubanzi, iiklabhu zotyalo-mali azilawulwa yiSEKE kodwa kukho imeko efuna ukuba babhalise kwi-SEC, njengemali yokubambisana, phantsi kwe- Investment Company Act ka-1940 .
Ukuba onke amalungu eklabhu yotyalo-mali athatha inxaxheba ngokuzithandela kwizigqibo malunga notyalo-mali, abayi kufuneka ukuba babhalise kwi-SEC. Oku kungenxa yokuba ubulungu ngokwawo abubhekanywanga njengokhuseleko, ngoko ke iqela lotyalo-mali alithengisi imfihlo phantsi koMthetho we-1940.
Nangona kunjalo, ukuba kukho amalungu angabonakaliyo kwiqela lokutshala imali, ubulungu babo bungathathwa njengotyalo-mali kwinqabiseko. Ubulungu buya kuthathwa njengesivumelwano kunye kuba bengenalo inxaxheba ekulawuleni i-club ye-investment sekhethi yokutyalomali, amalungu athileyo afana nalawa abanini-zimali bemali. Kule meko, iqela lokutyalomali liya kufuneka libhalise.
Iingcebiso zokuPhakamisa kunye nokujoyina iiClubs zentengiso
Azikho zonke iiklabhu zotyalo-mali ziya kuba nesakhiwo esifanayo kodwa apha zikho izikhokelo eziqhelekileyo zokwenza nokujoyina iqela lokutyalomali:
- Iingxowa-mali zotyalo-mali ziya kufakwa njengeziko elisemthethweni, njengobambiswano okanye i-Limited Liability Company (LLC). Ngale ndlela, amalungu angathathwa njengabanikazi abambisene nabo kunye neminikelo yabo yemali inokulandela imigaqo-siseko yokuphendula.
- Akukho ncinane ubuncinane okanye umda wezomthetho ubulungu bentlalo yokutyalomali kodwa iqela elinye lihlala linamalungu angama-10 ukuya kuma-20.
- Iqela lokutyalomali liza kuvula i-akhawunti ye-brokerage egameni lebhulabhu, njengoko lisungulwe ligama lezomthetho. Amanye amafemu e-brokerage aneemigaqo ethile kunye nezikhuthazo kwiiklabhu zotyalo-mali; Ngoko ke, qi niseka ukuba ukhethe kwaye uthengise ngobulumko ukulungelelanisa okufanelekileyo.
- Ukujoyina iqela lotyalo-mali, ilungu elitsha liya kufakela igalelo, kwaye uhlawule isethi, isixa esilungisiweyo, njengama-$ 100, ngenyanga.
- Amalungu aya kuqhelana ngokuqhelekileyo ngamaxesha ngamaxesha, afana kanye ngenyanga, ukuxoxa ngamathuba otyalo-mali kwaye, ukuba kukho nawuphi na, ukuthengwa kwempahla kufuneka kuthengwe okanye kuthengiswe.
- Kungaba luncedo kwiiklabhu zotyalo-mali ukuba zibe nenjongo yotyalo-mali okanye utyalo-mali, njengotyalo- mali okanye utyalo-mali . Amalungu angasetha kwakhona izikrini ezithile ezikhuselekileyo zokubambisana ngaphambi kokuba zivumeleke ukuthenga. Ngokomzekelo, isicwangciso soxabiso singadinga isilinganiso esiphantsi se- P / E phambi kokuba iqela lotyalo-mali lithenge.
Ukufumana amanye amathiphu ekwakheni nasekuhlanganiseni amaqela ekwehlwayo, ungabhekisela kwi-National Association of Investors's site.
IiNzuzo zeClubs zoTyalo-mali
Mhlawumbi inzuzo enkulu yokujoyina iqela lokutyalomali yimfundo.
Xa abatyali-mali abambalwa behlanganisene ukwabelana ngeengcamango nolwazi, kudla ngokubakho umonakalo wokubambisana, apho isibalo sendawo sikhulu kunabo bonke.
Kwakhona, xa ujoyina iqela lotyalo-mali, unokuphepha iifizi kunye neekomishina zabacebisi-mali okanye abathengisi bempahla .
Kwaye kukho inokwenzeka ukuba ukulungelelaniswa kwebhula lotyalo-mali lingakwazi ukuguqulela kwimbuyiselo ephezulu kunokuba ungayifumana yedwa.