I-Sales Loads Work and Should I Pay Them?
Emva kokudibana kwabo, umhlobo wam undiqhagamshelane kwaye wayefuna ukwazi ukuba umthwalo wokuthengisa umxhelo wesikhwama, ingakhathaliseki ukuba unokukhathazeka, nokuba ngaba umthwalo wokuthengisa u-5% wawuphezulu kakhulu, ungezantsi kakhulu, okanye ulungile.
Le yimibuzo emininzi kwaye ngamnye umtyalo-mali omtsha uya kuthiwa ngelinye ilanga acele. Ukukunceda ukuba uqonde kakuhle ukuthengwa kweengxowa-mali zengxowa-mali, ndiza kubonelela ngokufutshane malunga nokuba ziphi, ukuba kutheni zikhona, kunye nendlela onokuziphatha ngayo xa unokujamelana nokuba unakho ukuhlawulela enye kwi-stockbroker yakho.
Umthwalo weTual Mutual Fund Uhlobo loKhomishini
Iinkampani zokulawula imali, kubandakanywa iinkampani zenkxaso-mali , zenza imali ngokufaka impahla kunye nokuhlawula umrhumo ngamnye ngonyaka. Ukufumana abathengi bee-stockbrokers ukuthengisa i-fund yabo esikhundleni seengxowa zemali ezinikezelwa ngabathengiselwano, ezinye iimali eziphathekayo zizama ukunambitha intlawulo yembuyekezo yomthengisi ngokunikela ukuhlawula umthengisi ipesenti yazo zonke izinto abafumana abaxhasi babo.
Oku kubizwa ngokuba "umthwalo" okanye "umthwalo wokuthengisa." Umthengisi ophumelelayo angenza amawaka eedola zama-dollar nje ekuthengiseni iimveliso zentengiso kwaye kungekhona ekusebenzeni kwakhe. Yisistim se-incentive skewed that does not favor you, utyalomali.
Okubi nakakhulu, umthwalo wokuthengisa awuveli kwipokhethi yenkampani yomxhaso.
Iza ngokuthe ngqo ngaphandle kotyalo-mali!
Iintlobo ezimbini zeMatual Fund Sales Sales
Kukho iintlobo ezimbini zentengiso yokuthengiswa kwemali-mboleko - imithwalo yokuthengisa yokugqibela-phambili kunye nemithwalo yokuthengisa ekupheleni (ekuthiwa nayo ibizwa ngokuba yimithwalo yokuthengisa echaziweyo).
- I-Front End Sales Imithwalo yeeNtlawulo : Ezi ziimali zokuthengisa ezihlawulwa phambi kwithuba lotyalo-mali. Ukuba utyalomali i-$ 100,000 kwi-fund efanayo kunye nomthwalo wokuthengisa u-5%, xa utyalo-mali, i-$ 5,000 iya kuthathwa kwi-akhawunti yakho kwaye isetyenziselwe ukuhlawula umthengisi kunye nabanye abahambisa abaye banceda ukuba ukhethe utyalo-mali. Oko kuthetha ukuba uya kuqala nge $ 95,000 kuphela ngemali esebenzela wena. Kwixesha elidlulileyo, oko kungenza umehluko omkhulu: Ukuba imali yakho yokubambisana ikhule ngo-8% ihlanganiswe iminyaka engama-50, loo ntlawulo ye-5,000 yokuthengiswa kwemali yayiza kubangela ukuba ube ne-$ 234,508 engcebweni encinane.
- Impendulo yokuThumela ukuThengiswa kweNtengiso okanye iMithwalo yokuThengiswa kweNtengiso : Ezi ziimali zokuthengisa ezihlawulwe xa uthengisa utyalo-mali. Ngaloo ndlela, yonke imali yakho isebenza kuwe kwasekuqaleni, oku kuthetha ukuba kunyanzelekile ukuba ukhethe i- fund eyodwa okanye yiminye imveliso yotyalo-mali. Isathatha ukuluma kwiindawo zakho zokubamba, kodwa ayixhasi kakhulu kwixesha elide kunezithuba zokuthengisa ezisekupheleni. Umthwalo wokuthengisa umva wokugqibela ukholelwa phantse kuwo onke amatyala ekutsalweni kootyalo-mali okuqala, kungekhona ixabiso elipheleleyo lokubamba xa uthengisa isikhundla sakho.
Eminye imali yentengiso yokugqibela ekuthengiseni iipropati ziyancipha. Oku kuthetha ukuba ngamnye kunyaka odlulileyo, uya kuxolelwa ngokuhlawula inxalenye yomthwalo wokuthengisa ukuba uthengise imali yakho. Kwiimeko ezininzi, ukunyuka komthwalo wokuthengisa umva ekupheleni kwakho kunokubangela ukuba ungenalo mthwalo wokuthengisa xa ubambe utyalo-mali iminyaka eyisixhenxe okanye ngaphezulu, ongakhuthaza ukucinga kwexesha elide. Kufuneka ufunde i- prospectus fund, nokuba kunjalo, ukufumanisa iinkcukacha zecandelo lakho lokubamba.
Yintoni ekufuneka icace kuwe kukuba imithwalo yokuthengisa yemali yesikhwama esisemthethweni iphumela kwimali encinci kwipokoth yakho kwiimeko ezininzi. Oku kusikhokelela komnye wemithetho ebaluleke kakhulu yokutshala imali kwi-joint fund: Kufuneka ukuba ungalokothi uthenge i-fund efanayo enomthwalo wokuthengisa.
Mhlawumbi Mhlawumbi Ungazithengi i-Mutual Fund kunye noMthwalo wokuThengisa
Njengomgaqo oqhelekileyo, kufuneka uphephe uxanduva lwemali kunye nemithwalo yokuthengisa ehlanganisiweyo. Leyo yindleko yokuthengisa. Uthabatha i-checkbook yakho kwaye uyibhala ukuhlawula ikhomishini yokuba inkampani yenkampani yokuxhaswa imali ayifuni ukuzihlawula! Oko kuthetha ukuba ulahlekelwa yizo zonke izahlulelo, inzala kunye neenzuzo eziyinkunzi onokuzenza ngenye indlela kuloo mali.
Iinkampani ezinjengeVanguard kunye ne-Fidelity zenze i -mthwalo-mali ingabi naso isistim sokuzibophelela. Unokutyelela indawo yazo kwaye uvule iakhawunti ngokukhawuleza okanye uthenge amasheya kwi- stockbrokers .