Iimali zeeMali zeMalike zeMali kunye nendlela yokuTyala
Yintoni iMali yeMarike yeMali?
Ingxowa-mali yemarike yemali yinkxaso- mali ehlangeneyo ebeka imali kwixesha elifutshane, i-high quality quality securities securities.
Injongo yesikhwama semarike yemali kukuba nexabiso lentengo yexabiso elingenayo i-$ 1 ngesabelo ngasinye. Ngamanye amagama, ukuba utyalomali i-$ 1,000 kwimali yemarike yemali, injongo kukubuyisela i-$ 1,000 kunye nomvuno otyunjelwayo (ngokubanzi kufutshane namaxabiso e-T-bill). Ukulahleka kwimarike yemali akuyinto engavamile, kodwa, ngelanga, kwenzekile.
Iimali zeemarike zemali zilawulwa yi-US Securities and Exchange Exchange (i-SEC). ISebe leSibini lizama ukuqinisekisa ukuba ubungozi buncinci kwaye iimfuno zabathengi zikhuselwe. Ngoko imali yeemarike zemali ingaba yindlela engabonakaliyo kumatshini wakho, ngokukodwa ucinga ukuba indlela yokugqibela yokugcina inomngcipheko wokweba okanye umlilo!
ISigqeba sesi-2a-7 soLawulo lweeNqununu zeeMali zeMali zeMarike
- Ukukhula kwe-Holdings: Imali yemarike yemali ayikwazi ukugcina utyalo-mali ngokukhula kweentsuku ezingama-397. Ukukhula okuphakathi kwemilinganiselo ye-portfolio ayikwazi ukudlula iintsuku ezingama-90.
- Umgangatho weMboleko: Akukho ngaphantsi kwe-5% yemali yemali yemarike yemali ingabakho ekutsalweni kwezinto ezikwinqanaba eliphakamileyo lexesha elifutshane.
- Ukuchithwa kwemali : Iimali zemarike zemali zifuneka ukuba zigcine iipotifoliyo ezahlukahlukeneyo. Ikhredithi yemarike yemali ayikwazi ukuba nayiphi na into ebambelela ngaphezu kwe-5% yexabiso le-fund (ngaphandle kwe-Treasury yase-US kunye ne-arhente ye-arhente karhulumente).
Izinzuzo zeMali zeMali zeMalike
Ukulawulwa kwemali yemarike yemali kukubalulekileyo kwiintlobo ezininzi:
- Ukhuseleko: Ukugcinwa kwemali kwinjongo yemali yemarike yemali. Nangona imali encinane yemarike yemali eye yaphule i-buck (ihamba ngaphantsi kweR $ 1) kwiimeko ezininzi, inkampani yenkxaso okanye umxhasi uye wangena ekufumaneni ilahleko.
- Ubutyebi: Iimali zeemarike zemali zinikeza ukufikelela kwi-cash. Uninzi lwama-akhawunti a-brokerage, kuquka iSchwab kunye ne-Fidelity, unikezela ngemali yemarike yemarike njengendlela yokuhlutha. Ngamanye amagama, xa kuthengwa utyalo-mali / kuthengiswa ngemali kuphuma / ukungena kuyo, imali yeemakethe yemali.
- Iintlawulo: Iimali zeemarike zemali zihlawula isivuno esekelwe kwiimpahla ze-fund. Isivuno ngokubanzi sivuselelwa ngokuzenzekelayo kwingxowa-mali ngokuthengwa kwezabelo ezongezelelweyo kwi-fund. Esi sivuno senza iimarike zemali zenze ezinye izinto ezikhangayo kumatitha.
Njengawo wonke utyalo-mali, kuyacetyiswa ukuba ufunde i- prospectus , kunye nezinye iingxelo ze-shareholder iingxelo kunye nolwazi.