Iingenelelo ezilungileyo kakhulu zokutyalomali kwi-Mutual Funds
Ukuba ungumqalisi kwaye ufuna ukuqonda ukuba kutheni iimali ezihlangeneyo zilungele kakuhle iimfuno zakho zokutshala imali okanye ukuba ungumtyalo-mali ophakamileyo kwaye ufuna ukukhunjulwa ukuba kutheni iimali eziphathekayo ezifanelekileyo zifanelekile kwiinjongo zakho zezemali kunye nendlela yokuphila, nakhu ezinye ezininzi iinzuzo omele uzenze.
Nazi ezi-8 zeenzuzo eziphezulu zengxowa-mali:
1. Ukulula: i-Mutual Funds ilula ukuyiqonda
Nayiphi na into enokuyenza ibe yinto enzima kunokuba iyimfuneko kwaye iivumelwano zengxowa-mali azifani nakweli nyaniso. Nangona kunjalo, iimali zengxowa-mali azifuneki namava okanye ulwazi lwezoqoqosho, izitatimende zemali, okanye iimarike zezimali ukuba ube ngumtyalo-mpu melelo.
Kwabaqalayo, nantsi inkcazo elula ye-fund fund : I-fund ye-joint fund yindlela yoxanduva lotyalo-mali olwenza ukuba abatyali-mali bakwazi ukuhlanganisa imali yabo kunye kunye nolawulo olulodwa olulawulwa ngokufanelekileyo. Iimali zengxowa-mali ziya kufaka imali kwiimpahla, iibhonksi, imali kunye / okanye ezinye izinto. Ezi ntlobo zezokhuseleko, ezibizwa ngokuba yi-holdings zidibanisa ukwenza i-fund eyodwa, ebizwa ngokuba yi- portfolio .
Ngamazwi ahlukileyo, iimali zengxowa-mali ziya kuthathwa njengeebhasikidi zotyalo-mali. Inqabileyo nganye inamaninzi okanye amaninzi ezindidi zezokhuseleko, ezinjengamasheya okanye amabhondi. Ngoko ke, xa umtyalo-mali ethenga i-fund eyodwa, bathenga iteksi yokugcina imali.
Elula!
Ewe, kukho izinto ezininzi zokwazi malunga neemali ezixhasayo kodwa kuthelekiswa nehlabathi elibanzi lemveliso yezemali, imali ephathekayo kulula ukuyisebenzisa nokuyiqonda.
2. Ukufikeleleka: iiMual Funds zilula ukuthenga
Iimali zengxowa-mali zinikwe kwiifom zenkampani yokurhweba, i-rebate brokers inthanethi, iinkampani zentengiso, amabhanki kunye nenkampani zomshuwalense.
Kwaqala ukuba abatshali-mali bangakwazi ukuvula iakhawunti ngokukhawuleza kwinkampani engekho-mthwalo ye-fund , njengeVanguard Investments , kwaye ivule i-akhawunti ngaphakathi kwemizuzu.
Ukungafani: iiMualual Funds I-Market Market Exposure
I-fund eyodwa inokutshala imali kwiininzi, ngamakhulu, okanye nakwiiwaka eziqinisekileyo zokugcina utyalo-mali, okwenza kube lula ukuphumeza ulwahlulo ngokutyalomali kwi-fund eyodwa . Nangona kunjalo, kulungile ukuhlukana kwimali eyahlukeneyo.
4. Ukwahlukahlukana: i-Mutual Funds Yiza Kwiimpawu ezininzi ezahlukeneyo kunye neentlobo
Njengoko ukhula iipotifoliyo zeemali zentsebenziswano, uzakufuna ukudibanisa kwiindidi ezahlukeneyo zeentlawulo kunye neendidi. Unako ukutyalomali kwiimali ezidibeneyo ezibandakanya iiklasi ze-asethi eziphambili (amasheya, iibhonksi, imali) kunye namacandelo athile okanye ungakwazi ukufikelela kwimimandla ekhethekileyo, njengemali yecandelo okanye iimali zexabiso ezinqabileyo .
5. Ukungaqiniseki: iiMual Funds ziNcinci eziNcinci
Uninzi lweemali zentsebenziswano mali zincinci iimfuno zokutshala imali ezi-3,000 okanye ngaphantsi. Kwiimeko ezininzi, ukuba utyalomali uqala inkqubo yenkqubo yotyalo-mali, apho bafumana inani elincinci leedola okanye inani elithengisiweyo lezabelo ezithengwa kanye ngenyanga, utyalo-mali lokuqala luyafana no-$ 1,000.
6. Ukungabikho komthetho: Iindleko zeMali eziManyeneyo ezingekho phantsi kwezinye iintlobo zePortfolio
Iindleko njengepesenti yezinto eziphathekayo kwiipotifoliyo zisoloko ziphantsi kwezimali eziphathekayo eziphathekayo xa ziqhathaniswa nephothifoliyo ephethwe ngabasebenzi.
Xa udibanisa iindleko zokuthengiselana, iifizi zonyaka ezihlawulwe kwiqumrhu le-brokerage, kunye neendleko zamathuluzi okuphanda okanye iingcebiso zotyalo-mali, ukuxhaswa kwemali kungabibizi kakhulu kuneliphothifoliyo efanayo. Ezinye izinto ezichaphazelayo zichaphazela indleko zokulawula iphothifoliyo, njengexabiso lemisebenzi yokurhweba, ubungakanani bokuthengiselana, kunye neerhafu.
7. Ulawulo lwezakhono: i-Mutual Funds Yenza iqela loBugcisa uphando kunye nokuhlalutya imali-mali-mali ngoko-ke awunayo!
Mhlawumbi inzuzo enkulu kunazo zonke kukuba abatyali-mali bangakwazi ukugcina iiyure ezininzi zexesha, amandla kunye nokukhungatheka okubandakanyekayo kuphando kunye nohlalutyo olufunekayo ukuze kufumaneke utyalo-mali oluphezulu ukuba lube kwi-portfolio. Akunjalo ukuthetha ngekhono, umnqweno kunye nomonde okufunekayo ukwenza umsebenzi kakuhle nakuphi na ukuphangela. Iimali zomxhaso zivumela abatyali-mali ukuba benze izinto ezininzi ebomini abonwabileyo kunokuba bachithe ixesha kunye namandla kumicimbi yotyalo-mali.
8. Ukunyaniseka: iiMual Funds Zisebenzise ezininzi kunye nezicelo
Zonke izibonelelo ezingentla ngasentla zengxowa-mali ziyahlukana zibe lula kwaye ziguquguquke. Unokutshala imali kwiziko elilodwa okanye utyalomali kwiintlobo ezahlukeneyo. I-deposit ngokuzenzekelayo, ukuhoxiswa ngokuchanekileyo, i-401 (k) izicwangciso, i-sub-accounts-annuity sub-accounts, igalelo, ukugcinwa kwexesha elifutshane, ukugcinwa kwexesha elide, kunye neendlela ezicwangcisiweyo zokutshala imali zenze ukuba imali edibeneyo ibe yinto efanelekileyo kakhulu yotyalo lwabaqalayo kunye nabaphathi-mali abaphambili.
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.