IiNzuzo zoTyalo-mali kwiNtsapho yeMali yeMali
Ukwenziwe ngokuchanekileyo, utyalo-mali kulo lonke usapho lwengxowa-mali luyakwazi ukunikezela ngeentlobo ezahlukeneyo zentlukwano kunye nokunciphisa iindleko zakho zokutyalomali.
Inkcazo yeNtsapho yesiThwama seMali
Intsapho yoxanduva lokuxhaswa ngemali liqela leengxowa-mali ezidibeneyo ezabelana ngokuxhasana ngemali efanayo. Ukukunceda ukuba uqonde umxholo, cinga ukuba inkampani yam yokuphatha i-asethi yenze i-subsidiary management management unit kunye neye-subsidiary sponsor ezintathu zemali entsha.
- I-Joshua Kennon Stock Fund
- I-Fund ye-Joshua Kennon Bond
- I-Joshua Kennon Real Estate Fund
Imali nganye yale mali iyingqayizivele kwaye inezikhundla zayo zokutshala imali. Kwiintsapho ezininzi zengxowa-mali, inkokhelo nganye iqhutywe ngabaphathi beepotfolio. Kodwa bonke abathathu babeya kuba yinxalenye yentsapho kaYoshuwa Kennon.
Izinzuzo zokuTyala imali kwiNtsapho yesiThwama seMali
Kukho iinzuzo ezininzi kulabo abafuna ukugcina imali yabo batyalomali ngaphakathi kwintsapho eyodwa yomhlala-mali.
Zezi:
- Isitatimende esidibeneyo esivela kwintsapho yoxanduva lwentlawulo ngokwaso leyo ichaza utshalomali lwakho kwiimali ngamnye. Oku kuthetha amaphepha amaninzi kunye nokuchithwa okulula ngakumbi kwento onayo.
- Uninzi lweenkampani zengxowa-mali zinikeza i-website apho ungayifaka imali phakathi kwemali nganye eyenza intsapho ye-fund. Ukubuyela kumzekelo wethu, ukuba unayo imali engama-100,000 e-investments kwi-Stock Exchange ye-Joshua Kennon, unokukwazi ukuthengisa izabelo zayo ukuthenga enye yekhredithi yebhanki kunye ne-fund ye-real estate ngaphandle kokuhlawulwa. Kubalulekile ukufunda i-prospectus ukufumanisa indlela i-inter-family fund ihambisa ngayo umsebenzi kwiimeko ngamacala.
- Ezinye iimali ziya kubavumela abanini-zimali ukuba batyalomali kwezinye iimali zengxowa-mali ngaphakathi kwintsapho ye-fund kunye namanqanaba aphantsi. Oku kuthetha ukuba ufumana ukufikelela kwiimali ongeke ukwazi ukufikelela kuzo utshintshwe ishishini olinikeza intsapho yeengxowa-mali.
- Iimali ezininzi zizakukuvumela ukuba imali ihoxiswe ngokuzenzekelayo kwi-akhawunti yokukhangela okanye yokulondoloza kunye nokwahlukana phakathi kweemali ezihlukeneyo phakathi kwentsapho yokuxhaswa ngemali ngaphandle kwerhafu eyongeziweyo.
- Kwiimeko ezinqabileyo, unokukwazi ukutshala imali kwingxowa-mali "evaliweyo" engayamkeli abanini-zimvo abatsha ngenxa ye-investments eseleyo kwiintsapho zengxowa-mali.
Iimali zeeNgxowa-mali zeeNgxowa-mali zenza iMindeni yeeMali zeMual
Kungabonakala kungenakulungelelanisa ukudala iimali ezininzi kunye kunye neengcamango zentsapho yokuxhaswa ngemali zivakala. Ngokomzekelo, ukuba yonke into endiyenzayo yonke imini yayihleli kwigumbi kwaye ixabisa iinkampani, ukuqhuba iimali ezininzi zetyala ngeke kuthathe umzamo omkhulu kunokuba isebenzisane nesikhwama esisodwa ngenxa yokuba ndithenga kwaye ndithengisa izigqibo zingaphantsi kohlobo lwesitokisi okanye olunye ukhuseleko ndiluhlola. Umzekeliso unokunceda.
Khawucinge ukuba ndiqhuba iingxowa-mali ezihlukeneyo ezihlukeneyo zentsapho enkulu ye-fund. Zezi:
- I-Vice Fund (utywala, ucuba, ukugembula kunye nezitokisi zokukhusela)
- I-Blue Chip Dividend Fund (iinkampani ezinamaxabiso aphezulu kunye namanqaku e-balance balance)
- I-International Value Fund (iinkampani ezingabonakaliyo kwaye zifumaneka ngaphandle kwe-United States)
- IsiKhwama seBond ye-Bond yeQumrhu eliPhakamileyo (iibhondi zeenkampani ezinomgangatho ophezulu)
Ukuba ndifunda ingxelo yenkampani efana neDiageo kwaye yayingabalulekanga ngelo xesha, ndiyakwazi ukufaka i-oda zokuthenga kwiimali zokuqala ezintathu-i-vice fund, i-fund chip fundend fund, kunye ne-value value fund . Ukuba ndifunda ingxelo yenkampani efana neBerkshire Hathaway, ayiyi kuba nelungelo lokufumana nayiphi na imali ngenxa yokuba ayiyiyo imveliso yesicebo, ayiyihlawuli isahlulelo, kwaye ayikho i-domiciled international.
Inzuzo yile yinto evumela ukuba umnini-mvume ngamnye ukuba azenzele isigqibo kuye ngokwakhe uhlobo lwamafa afanelekileyo kwi-portfolio yakhe.
Iinkampani ezinkulu ezinkulu zengxowa-mali ezifana neVanguard ne-Fidelity zininzi zemali kwingxowa-mali yabathengi kunye nabo bonke abakwiklasi, i-aseset allocation, kunye nesicwangciso-mali ocingayo.
Ulwazi olungakumbi malunga Nendlela yokuTyala imali kwiMual Funds
Ukuze ufunde kabanzi malunga nendlela yokutshala imali kwiimali eziphathekayo, funda i-Guide Complete Beginner Yokutshala imali kwi-Mutual Funds .
I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela ngengozi 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.