Kutheni ukulinganiswa kweenkwenkwezi ezi-5 akuthethi ukuba ufumana imali engcono kakhulu
Ngaba kufuneka utyalomali kuphela kwiimali ezi-5 zeenkwenkwezi? Ngaphambi kokuba uphendule lo mbuzo ngokubanzi, makhe sifunde ngakumbi malunga nokulinganiswa kweenkwenkwezi nendlela esebenza ngayo.
Iyini inqaku leenkwenkwezi ze-fFund?
I-Morningstar yinkampani yocwaningo lotyalo-mali oluphakanyiswayo kwilizwe le-fund ngokubanzi ngenxa yexabiso leenkwenkwezi. Ngamazwi e-Morningstar, nantsi indlela yokulinganisa ngayo inkwenkwezi yabo:
Isisindo seMinyuse sisekelwe kwiNkcazelo yokuLungiswa koMngcipheko we-Morningstar. I-Morningstar ibala ukulinganiswa kwezikhathi ezintathu, ezinhlanu, kunye neye-10 ubudala, kwaye ngoko ke i-Overall Rating Morning isekelwe kwisilinganiso esiqingatha sexesha elikhoyo lokulinganisa. Ezi zinto zilandelayo zifunekayo ukubala ukulinganiswa kwe-Morningstar kwiimali:
I-Morningstar Ingozi-Ukulungiswa kwe-Adjustment% Igalelo lemali kwisigaba seminyaka emithathu, emihlanu, nangama-10.
Izabelo zesiganeko sembali yazo zonke iimali kwisampuli
Ithebhile echaza isantya sokufana phakathi nawaphi na amabini amabini eeklasi, ukususela kwi-zero (i-dissimilar) enye (efana)
Ekuguquleleni, iifom zeemali zakwaMasta zixhaswa kwintsebenzo kodwa zenza utshintsho olongezelelweyo lomngcipheko.
Umzekelo, i-fund efanayo eyenziwe ngaphezu komyinge kwisigaba sayo se-3-, 5-, kunye ne-10-year returns ingaba i-rating-5-star rating, ingakumbi ukuba ingxowa izuze ezo ntlawulo ngaphandle kokuthatha izinga eliphezulu lokubeka ingozi .
Ngoko ngubani ongeke afune ukuthenga iimali ezi-5 zeenkwenkwezi ezifumana ukubuyiswa okuphezulu, ngokumalunga necandelo labo, ngaphandle kokuthatha umngcipheko ophezulu ngaphezu komlinganiselo wesigaba?
Xa iifama ze-5-zeNkwenkwezi zingenzi nto njengalindelekileyo
Ukunyaniseka, i-Morningstar ayiqinisekisi ukuba ukubuyela kwexesha elizayo kuya kubonakala ngathi kusebenze kwangaphambili, kwaye akuthembisi ukuba iimali ezi-5 zeenkwenkwezi ziya kushaya i-1, 2-, 3-, ne-4-star-star.
Nangona kunjalo, i-Morningstar iyaqhubeka ukwenza inkwenkwezi yabo ibe yinto ebalulekileyo yokusebenzisa iinkonzo zabo.
Nazi izimbalwa ezimbalwa malunga nokulinganisa kweenkwenkwezi esizenzayo kwiminyaka engama-20 ukususela kusetyenziswa i-Morningstar (ewe, sisacinga ukuba i-Morningstar iyanceda):
- Iingxowa-mali zengqungquthela yimiba engcono kakhulu yoxanduva lwazo zonke iintlobo zabasomali-mali, ukusuka kubaqalayo ukuya kumava, kwiingcali. Kodwa iimali zenkcazo azisoze zafumana ukulinganisa kweenkwenkwezi ezi-5 kuba ukusebenza kwabo kunqabile kunqumla amanqanaba kwixesha elifutshane. Iimali ezifana neVanguard Total I-Stock Market Index (i-VTSMX) zifumana ukulinganisa kweenkwenkwezi ezi-4 kuba ukubuyela kwabo kwiminyaka emi-3 no-5 kudla ukuhamba ngeenxa zonke. Kodwa ukubuyela kweminyaka engama-10 kudla ngokubetha uninzi lwabahlobo beontanga. I-VTSMX ifumana ukulinganisa kweenkwenkwezi ezi-5 kwincwadi yam kodwa ayiyi kufumana enye kwi-Morningstar.
- Ezinye iingxowa-mali ziya kuba nexesha elide lokungafezeki, ngamanye amaxesha ngokuze kube yiminyaka emihlanu okanye ngaphezulu, ngenxa yokuba zizuza kwizinto ezingaphezulu nje kweqela elilawulayo elihlakaniphile, elinolwazi-mali, njengemali yecandelo , unokufumana ixesha elifanelekileyo lokutyalo-mali izicathulo zesitokisi ezilawula iminyaka embalwa. Ingxowa enjengale iyakwazi ukufumana ukulinganisa kweenkwenkwezi ezi-5 kodwa ke abo baqhubi abakhulu bangaba nelahleko enkulu kwaye ngokukhawuleza isikhwama seenkwenkwezi ezi-5 siba yingxowa-yeenkwenkwezi ezintathu.
- Isilinganiselo seenkwenkwezi sinokuyilungileyo yokuqala yokuphanda ngemali kunye nokuhlalutya . Nangona kunjalo, ukunciphisa ukukhangela kwiinkwenkwezi ezi-5 kuphela akuyona ingcinga efanelekileyo. Andiyi kucebisa ukuthenga isibonelelo se-1 okanye se-2-inkwenkwezi kodwa kukho imali eninzi yama-3 neye-4 eneenkwenkwezi ezenzileyo ngokukhawuleza. Kwakhona, uluhlu lwemali ngumzekelo apha.
Ukufingqa, ukulinganiswa kweenkwenkwezi kungaba yindawo yokuqala yophando lwengxowa-mali kodwa kufuneka kube yinto enye yokuzihlalutya. Enyanisweni, ngokungakhathaliseki ukuba ubeka iintlobo ezahlukeneyo kunye neendleko eziphantsi kwiluhlu lwakho oluphambili, ungayigatya ngokupheleleyo inkcitho yeenkwenkwezi kwaye usenokufumana imali engcono .