Ziziphi iimali zeMatual Funds, Ziziphi i-Mutual Funds Work, kunye nokunye okuninzi
Iimali zentlawulo enye yindlela eyaziwayo kakhulu kubatyalomali abatsha bokwakha ubutyebi. Ukuba ngaba ungumnikazi wabo kwizicwangciso zakho zokuthatha umhlalaphantsi , njenge-401 (k) okanye i-IRA, okanye uyithenga ngokuthe ngqo okanye nge- akhawunti ye-brokerage , esi sikhokelo sokutshala imali-mboleko yenzelwe ukukunceda ukuba uqonde ukuba ziphi, zisebenza njani, kunye nezinto onokufuna ukuziqwalasela.
01 Mutual Funds 101
Okokuqala, kufuneka uqonde ukuba zeziphi iimali ezifanayo. Kwi- Mutual Funds 101 , uya kuba nokubona umahluko phakathi kweemali ezivulekileyo kunye neemali ezivaliweyo, umthwalo kunye neemali zokulayisha , kunye nokunye.
02 Indlela i-Mutual Funds isebenza ngayo
Nantsi i-behind-the-scenes ibheka ukukhangela kwesikhwama, esiza kukunika ingcamango engcono yento eyenzekayo xa ubhala isheke ukuze uqale utyalo-mali. Kubaqalayo, oku kukhangeleka kakuhle indlela iimali zokubambisana ezihlelwe ngayo.
03 Ndingayithenga njani iiSahlulo zeMali yesiThili?
Xa usukulungele ukuqala utyalo-mali kwiimali zentsebenziswano, ufanele uhambe ngokuthenga ama- share share fund yakho . Kukho iindlela ezintathu ezithandwayo ezi kwenziwayo eUnited States. Le ngqungquthela iya kukunceda ukuba uyayiqonda nganye, kwaye ezinye zeenzuzo ezithile zindlela ezingaphezu kwabanye.
04 Yiyiphi i-Mutual Fund yokuThengiswa kweNtlawulo?
Xa uthengela imali yakho yokuqala , unokufumana into eyaziwa njengomthwalo wokuthengisa . Kukho imithwalo yokugqibela, imithwalo yokugqibela, imithwalo emiselweyo, kunye nokunciphisa imithwalo. Oku kungabonakala kunzima, kodwa kubalulekile ukuba uqonde ukuba lithini ukuthini le miqathango kuba ukuthenga uhlobo olungafanelekanga lwe-fund fund kungathatha amawaka, okanye amawaka eenkulungwane, zeedola ngqo kwi-pocket yakho.
05 Ingaba iIndleko zeNdleko eziNcinci ziFundisa iNtengiso yeMali eTshintshe kakhulu?
Iingcali ezininzi zikholelwa ukuba iimali eziphantsi kweendleko zentengo yintengiso ekhethekileyo kulabo abafuna ukukhulisa ubutyebi babo ngaphandle kobunzima obukhulu. Iingxelo zeemali zihluke njani? Ngaba ufanele uqikelele ukutshala imali kuzo endaweni yokulawula imali? Nazi ezinye iingcinga onokufuna ukuziqwalasela.
06 10-Isiqendu sesahlulo sokukhetha iiNgqungquthela eziPhambili zeMali
Unokukhetha njani imali efanelekileyo ? Esi sihlandlo sinyathelo-nenyathelo sibonisa ezinye zezinto ozozicingela ngazo kwaye zikhangele xa ukwakhiwa kwepotfolio . Oku kubandakanya ukuqwalasela iimarike ezithile njengamandla. Kufuneka ukuba luncedo njengoko wenza indlela yakho kwizinto ezinokubonakala ngathi ziluhlu olungapheliyo lwentengiso-mali .
07 Musa ukulibala ukuLindela le Ngxowa-mali yeTual Fund ye-Mutual Hidden
Kukho irhafu yengxowa-mali efihlakeleyo enokubangela ukuba uhlawule imali eninzi kwi-IRS nangona ulahlekelwa yimali kwi-fund. Uninzi lwabatyalomali abatsha abazi ukuba lusebenza njani, okanye nokuba njani ukujonga le ngozi ingozi. Musa ukuqwalasela imali yokuxhasa imali-mali kuze kube yilapho ufumene imbangela yeengxaki zerhafu zengxowa-mali
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08 Musa ukugxotha ukusebenza kweTual Mutual Fund
Nangona kubonakala ngathi yinto efanelekileyo yokuthenga kuphela izabelo zeemali eziphathekayo ezinokusebenza okudlulileyo , akunjalo ngaso sonke isikhathi. Iimali zentengiso zihlobo oluthile lotyalo-mali. Ngokomzekelo, abaphathi beepotfoliyo bayatshintsha nangona igama le-fund lihlala lifanayo. Ukuba umntu omtsha ulawula imali yakho, awukwazi ukuyiqonda. Ngokufanayo, i- fund assets ikhula, okwenza kube nzima ukwenza imali ukuba isebenze njengoko indalo yonkcenkcesho enokuthi iyancipha.
09 Ngaba kufuneka ndiyibeke kwiiBond okanye iFund Fund?
Iimali zengxowa-mali azikho nje ukutshala imali kwiisitokisi. Umbuzo oqhelekileyo wabaqalayo ngaba ngaba abatsha-mali abatsha kufuneka babe neebhanki okanye batyalwe kwi-fund yebhondi , eyona hlobo olukhethekileyo lweengxowa-mali ezizimeleyo ezithatha izibophelelo kunye nezinye iimali-mali ezingenayo . Impendulo? Kuyaxhomekeka ...
Ngaba ii-ETF ziyiNtetho engcono kuneziNkxaso zeMveli zeMveli?
Usenokuba uvile ezininzi nge-ETFs, okanye ufunde ngabo kumaphephandaba, ngokukodwa ukuthelekisa kwiimali zenkcubeko zomdabu . Ukutshintshwa kweemali ukuthengiswa kwemali kunemivuzo eninzi, kodwa kukho nezinye iingxaki onokuzifuna phambi kokuba wenze utshintsho.