Inkcazo yePropectus ye-Mutual Fund kunye Nokuba Kutheni Kufuneka Kubathengi
Ngokomzekelo, nolu luhlu olukhawulezayo lwezinto onokufumana i-prospectus ye-fund efanayo:
- I-prospectus yokubambisana neengxowa-mali iquka inkcazo yeqhinga lokutyalomali inkampani yokuphathwa kweengxowa-mali iya kusebenzisa ukutshala imali yakho. Ezinye iimali zilandela isicwangciso sotyalo-mali , ezinye ziya kuma-stocks ukukhula, ngelixa abanye bangasebenzisa iindlela ezinobungozi ezibandakanya ukhetho lwezithuthi. Le mihla, isicwangciso esithandwayo sokwabelana ngemali sisekelwe ekulandeleni inkcazo efana ne- S & P 500 .
- Ukuphazamiseka kweendleko zembali ezihlawulwe ngabanini-mali abancedisayo kwiminyaka embalwa edlulileyo, kubandakanya iifizi zokulawula, iirhafu ze-12b-1, iintlawulo zokuthengisa, iintlawulo zokuhlawulela kwizabelo ezithengiswa ngexesha elithile, kunye nolunye ulwazi olufanelekileyo. Oku kungabandakanya i-minutia njengemirhumo ehlawulwe ngabameli bee-transfer zokusingatha iphepha kwi-fund.
- Ukubonakaliswa kwexesha elide lokwenziwa komsebenzi ngokuthelekisa ukusebenza kwesikhwama sokubambisana kwi-benchmark efana neDow Jones Industrial Average . I-prospectus ye-fundual fund ingachaza ukuba kutheni inqaku elithile lifanelekileyo.
- Imingcipheko enkulu enokujamelana nayo xa utyalomali kwingxowa-mali ethile. Ngokomzekelo, i- prospectus yomhlaba wonke okanye yamazwe ngamazwe mhlawumbi iya kuchitha ixesha elichaza ingozi yemali, ukuba kungenzeka ukuba iinkampani ziphumeze imimiselo emikhulu, ingozi yemfazwe, kunye nezinye izinto ezingabalulekanga (phantsi kwezona zininzi) kwiimeko eziphathekayo zasekhaya mali.
- Ingaba i-fund ye-collective fund iyasebenzisa okanye ingaxhasi; ingaba i-joint fund ibolekisa abanye amalungelo abo, njengabathengisi bamfutshane, ngokutshintshiselwa ngeniso.
- Amagama abalawuli okanye amatrasti abamele abanini-mali babambisene neengxowa-mali, kubandakanywa uluhlu lokutshala imali kwi-fund (umzekelo, i-$ 10,0001 ukuya kwii-50 000 okanye i-100,000,000).
- Imali abalawuli abahlawulwayo ngenkonzo yabo
- Abantu abalawulayo kunye nabanikazi abakhulu beengxowa-mali, kubandakanywa namaziko anamalungelo okubambisa egameni labo abatyali-mali "kwiimpawu zesitalato "
- Ulwazi malunga nabaphathi beempahla ezixhaswa ngemali ekuncedeni ukuba unqume ukuba ngaba ungazicinga ukuba unayo iziqinisekiso, amava kunye nesimo sokuphatha imali yakho
- Uluhlu lotyalo-mali abantu abenza isigqibo malunga nesicwangciso-mali sokutsalwa kweengxowa-mali (umphathi weepotfoliyo okanye amalungu ekomidi lotyalo-mali) banakho kwi-fund ngokwabo ukuze unqume ukuba ngaba zichazwe ngokwaneleyo kwimingcipheko yezigqibo zabo (umzekelo, "uYohane USmith, oyiNtloko yezoTyalo-mali, une-$ 100,001 kwi-$ 500,000 yemali yakhe etyalomali kwi-ABC mutual fund, kunye ne-$ 500,001 ukuya kwi-$ 1,000,000 yemali yakhe imali kwi-fund ye-XYZ ".)
- Ireyithi yokubuyisela iiphothifoliyo , enokukunika ingcamango malunga nokukhangela kwentlawulo yengxowa-mali (ixesha elide lokubambelela livame ukuphumela kwiimfanelo zerhafu ezichaziweyo, ezinokuba yinto entle phantsi kweemeko ezithile ).
Indlela yokuLawula okanye Ukufumana ikopi yePropectus ye-Mutual Fund
Iinkampani ze-Mutual fund zifunwa ngumthetho ukukunika ipadusta phambi kokuba utyalomali. Phantse zonke iinkampani zeengxowa-mali zenze i-prospus yabo iyifumaneke kwi-intanethi njengokukhuphela mahala. Kuzwakala ngathi kulula, kodwa unokukhangela "[Igama leNgxowa-mali apha] kwi-injini yakho yokukhangela oyifunayo okanye ufumane i-website esemthethweni yengxowa-mali kwaye ujonge ngeenxa zonke kuba ngokuqinisekileyo ibhalwe kwendawo ethile kufuphi. Uninzi lwemali lufuna ukuba ufunde ngenxa yokuba ufuna ukuba unikele imali yakho ukuze iqale ukufumana iifizi zayo , ukuqinisekisa ukuba uyazi ukuba uyintoni na kwaye ujabule nalo lungiselelo. Kwiminyaka yakutshanje, abaninzi baninzi abathengi bempahla ye-intanethi eninzi bafake ikhonkco kwi-prospectus yokubambisana kunye neziphumo zophando eziboniswayo xa ucinga uphawu lwekhayibhile kwisayithi lomthengisi.
Emva kokuba ufunde ezimbalwa zeemali zokuxhaswa kwemali, kufuneka uqale ukuqonda okokuqhelekileyo kunye noko kungenjalo. Oku kubalulekile kuba, ukuba ubulumko, kunokukunceda ekwakheni iphothifoliyo engcono kwiimfuno zakho. Okona kuncinci, uya kukwazi ukuphephekisa izikizi ezinjenge-ETF ezichitshiweyo, ezingenayo indawo kwipotfoliyo yabatyalo-mali abaninzi .
Ukufumana ulwazi oluthe vetshe, unokufuna ukujonga isiKhokelo soBokuqala kwi-Mutual Fund Investing , esinika iziqhagamshelo kumanqaku amaninzi atyala imali endiyibhale ngayo kwiminyaka.
I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela, okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.