Ixesha elifanelekileyo lokutshala imali kwiiNgxowa-mali ezilawulwayo

Indlela Yokufumana Uninzi Kwimali Elawulwa Ngomsebenzi

Utyalo-mali olusebenzayo luyiqhinga lokutyalo-mali kunye nefilosofi esivame ukuba nenjongo yokugqithisa inkcazo ebanzi yemarike, njenge-S & P 500. Njengoko igama elithi "active" lithetha, umtyalomali uya kufuna kwaye athengise ukugcinwa kweemali zokutyala ezikholelwa ukuba " ntengiso. "

Abaphathi beepolfoliyo zeemali eziphathekayo eziphathekayo ngokuqhelekileyo baya kuba neenjongo ezifanayo zokugqithisa umgangatho wokujonga.

Abatyalo-mali bathenga le mali baya kuba neenjongo ezifanayo zokufumana ukubuyisela ngaphezu kwe-average.

Kodwa yinto eyaziwayo ngokuqhelekileyo ukuba imali ephezulu elawulwayo ingabetha iindices zokubonisa amanqaku kwixesha elide, njengeminyaka eyi-10 okanye ngaphezulu. Oku kubangelwa ukuba i-investing esebenzayo idinga ixesha elininzi, izibonelelo zemali kunye neengozi zemarike . Ngenxa yoko, iindleko zithatha ukudiliza ukubuyiswa kwexesha kwaye ingozi eyongeziweyo yandisa ingxaki yokulahlekelwa ekujoliswe kuyo. Kodwa ngaba kukho ixesha elihle lokutshala imali kwiimali ezilawulwa ngokusebenzayo? Ngaba bangaba bahlakaniphile ngaphezu kwexesha elifutshane elifanelekileyo okanye esetyenziselwa ukudibanisa neengxelo zemali?

Xa i-Fund-Managed Funds ikwazi ukuhlawula iNgxowa-mali yeeNgxowa-mali

Nangona imali yenkcazo ingakwazi ukubetha imali elawulwa ngokukhawuleza ngexesha elide, kukho indawo ethile yemarike apho iimali ezilawulwa ngokunyanisekileyo zibamba inzuzo ebalulekileyo ngaphezu kwamalungu abo alawulwa ngokungahambi kakuhle:

• Amakethi okuThengisa: Xa abatyali-mali bekhompyutheni kwaye amaxabiso malunga naso sonke isisithakazelo kwindalo yonke iwa ngokuphawulekayo, iimali zenkcazo ngokubanzi, njengalezo zityalo-mali kwi-S & P 500, ziza kuhamba ngenyameko kunye ne-marhwebo. Kodwa umphathi onomsebenzi onesicwangciso-mali esisebenzayo angalindela ukuhla kweentengiso ezinkulu okanye ukwenza uhlengahlengiso ukuze kuncitshiswe imiphumo emibi kakhulu kwimakethi yeebhere. Ngokomzekelo, ngowama-2008, kwelinye leemarike zeebhere ezigqithisileyo kwimbali, i- S & Nangona kunjalo, ingxowa-mali ephezulu elawulwa kakuhle eyi- Vanguard-Income-Income (VEIPX) , yawa i-31%. Oku kusengalunganga kodwa kungekufuphi njengento engathandekiyo.

• Imakethe yeBull yasekuqaleni: Ngokukhawuleza emva kweemarike ezinkulu zebhere, xa izitokisi zisemoyeni yokubuyisela ngokupheleleyo, iimali ezilawulwa ngenyameko ezityalomayo kwizikhululo zokukhula ziyakwazi ukufumana ngokukhawuleza, oku kuthetha ukubuyiswa okukhulu kunamashishini amakhulu. Ngokomzekelo, ngo-2009, xa izitokisi ziqala ukubuyisela kwi-market lows, i-fund- capital cap-fund, i- Fidelity Growth Inkampani (FDGRX) iqhume 41%, kanti i-S & P 500 inyuke kuma-26%.

Ngako konke okuthethileyo, kunzima ukwazi ixesha elifanelekileyo lokuthenga iimali ezilawulwa ngokusebenzayo. Kwaye ekubeni izigqibo ezingekho phantsi kwexesha zingonakalisa ukubuyisela iipotfoliyo, abatshali-mali abaninzi banobulumko ukuthabatha indlela engabonakaliyo kunye nokutyalomali kwabo.

I-compromise ehlakaniphile ingaba ukudibanisa iindawo zokutyalomali osisigxina ngokutyalomali olusisiseko kunye nesakhiwo sephothifoliyo esisezantsi kunye nesatethi . Njengoko igama lichaza, iphothifoliyo inomxholo "oyingundoqo," njengengxowankulu enkulu yesitokhwe senkxaso-mali, ebonisa inxalenye enkulu yepotfolio, kunye nezinye iintlobo zemali-i-"satellite" imali-ngasinye sinamabinci iziqephu zeepotfoliyo ukudala lonke. Ama-satellites angabandakanya imali elawulwa ngempumelelo kwiinkalo ezahlukeneyo.

Umgca wokugqibela kukuba abatyali-mali kufuneka baqaphele ixesha lokumakethi kunye nokwakha iphothifoliyo kunye nokuhlanganiswa kwemali engenziwanga kunye neyosebenzayo ingaba yingqiqo.

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.