Iinzuzo zokuthenga i-Mutual Funds
Akukho myalelo othile, nantoni na ukuba ufanele uqikelele ukuthenga iimali ezihambelanayo:
1. I-Mutual Funds inikezela ukuchithwa
Ubuhle be-fund yokubambisana kukuba ungathenga i-fund kunye kunye nokufikelela ngokukhawuleza kumakhulu amabhonki okanye amabhondi. Ngaphandle koko, ukuze udibanise iphothifoliyo yakho, unokufuna ukuthenga izithenjwa ngabanye, okukubonisa ukuba unakho ukungaxhamli.
2, i-Mutual Funds iCandelo loLawulo
Abanini-zimali abaninzi abanalo izixhobo okanye ixesha lokuthenga amasheya ngamnye. Ukutshala imali kwiimali ezizimeleyo, ezinjengamasheya, kungekhona nje ukuthatha izixhobo kodwa ubuninzi bexesha. Ngokwahlukileyo, abaphathi beengxowa-mali kunye nabahlalutyi bavuka rhoqo ekuseni bazinikezela ubomi babo bobugcisa ukuphanda nokuhlalutya ukubambezeleka kwezinto ezikhoyo kunye nezikhundla zabo.
3. Iimali zeMualual Fund ziza kwiintlobo ezininzi
I- fund efanayo iya kwiintlobo ezininzi kunye nezitayela. Kukho iimali zesikhwama, iimali zebhanki, iimali zecandelo , i- target-date funds funds , imali yemali kunye neemali ezilinganisiweyo . Iimali zomxhaso zivumela ukuba utyalomali kwiimarike nokuba ukholelwa ekulawuleni iphothifoliyo esebenzayo (imali elawulwa ngokusebenzayo) okanye ukhetha ukuthenga isigaba seemarike ngaphandle kokuphazamiseka kumphathi ( imali engapheliyo kunye neenkcukacha zengxowa-mali). Ukufumaneka kweentlobo ezahlukileyo zeemali ezidibeneyo kukuvumela ukuba wenze iphothifoliyo eyahlukeneyo ngeendleko eziphantsi kwaye kungekho bunzima obukhulu.
4. I-Mutual Funds ine-Minimum Minimum
Uninzi lweenkampani zenkxaso-mali zivumela abatshali-mali ukuba baqalise kwingxowa-mali kunye kunye ne-$ 1,000. Intsapho yaseSchwab yenkxaso-mali yabantwana inomyinge we-$ 100 kwiingxowa-mali zazo.
5. Utyalo-mali oluchanekileyo kunye nokuKhutshwa kweMatual Funds
Kulula ukutyalomali rhoqo kwi-fund.
Iinkampani ezininzi zenkxaso-mali zivumela abatyalomali ukuba batyale imali engama-$ 50 ngenyanga ngokuthe ngqo kwi-fund. Imali ingasuswa ngqo kwi-akhawunti yebhanki ize ityalwe ngqo kwi-fund fund. Ngakolunye uhlangothi, imali iyakuthi ihoxiswe rhoqo kwingxowa-mali kunye kwaye ifakwe kwi-akhawunti yebhanki. Ngokuqhelekileyo akukho mali ehlawulwayo kule nkonzo.
6. I-Mutual Funds inikezela ngokutsha ngokutsha ngokutsha
Umtyalo-mali unako ngokulula kwaye ngokuzenzekelayo abe neenzuzo ezinkulu kunye neengeniso ezibuyiswe kwi-fund yabo ngaphandle kwempahla yokuthengisa okanye imali eyongezelelweyo. Ngaphandle kokuba ufuna ingeniso (oko kukuthi izahlulo ezahlukileyo kwaye zifakwa kwiimali zengeniso-mali), uya kufuna ukukhetha ukubuyisela iindleko kunye neenzuzo zemali. Oku kuya kusebenzisa inzuzo yenzalo, oko kuthetha ukuba inzala, izabelo kunye neenzuzo ziya kuthenga ezinye izabelo zeemali zakho zombini, kunokuba imali ephumayo ize ifakwe kwi-akhawunti ehlukile.
7. I-Mutual Funds inikezela ngokungaqiniseki
Izibonelelo ze-Mutual fund zifumaneka esidlangalaleni (kunye nokulibaziseka kwingxelo), okuqinisekisa ukuba abatyali-mali bafumana oko bahlawulayo. Abatyalomali banokubona i-securities (esitokisini, iibhonksi, imali, okanye ukudibanisa kwabo) ukuba iphothifoliyo yesikhwama sokwabelana.
Yonke inkcazelo ofuna ukuyifumana, kunye neyodwa eningayifuni ukutyalomali, iya kufumaneka kwi-prospectus ye-fund, leyo ingafumaneka kalula kwiwebhusayithi yenkampani ye-fund.
8. I-Mutual Funds ILiquid
Ukuba udinga ukurhoxisa imali kwi-akhawunti yakho yomrhwebi, unako ukufumana imali kwiintlobo ezininzi zemali phakathi kweentsuku ezimbalwa. Ukuba ufuna ukuthengisa i-fund yakho yemali, inzuzo evela ekuthengiseni iyafumaneka ngokukhawuleza emva kokuba uthengise i-fund. Ezinye iingxowa-mali zibambene nexesha "lokuhlala" ukuya kwiintsuku ezintathu. Kodwa eli nqanaba lokuthengiswa (ukufikelela ngokukhawuleza kwimali yakho), kulunge ngakumbi kunamashishini atyalo-mali, njenge-real estate.
9. I-Mutual Funds Iincwadi zokuHlola eziPhicothiweyo
Inkampani yokuxhaswa ngemali kufuneka igcine iirekhodi zokulandelwa kweengxowa-mali nganye kunye kwaye ziye zaphicothwa ngokuchanekileyo, eziqinisekisa ukuba abatyali-mali bangaba nethemba lokubuyiswa kweengxowa-mali.
Iinkampani ze-Mutual fund nazo zinikezela ngefowuni nganye, kunye neengxelo zonyaka okanye zonyaka. La maxwebhu anikezela ubuninzi beenkcukacha malunga nendlela yokuxhasa imali ngayo, imali yempahla phantsi kolawulo, iindleko zeengxowa-mali zangaphakathi, kunye nokunye.
10. Ukhuselo loTyalo-mali kwiMual Funds
Ukuba inkampani yokuxhaswa ngemali iphuma kwishishini, abaxhamli bezabelo zakwa-mutual bafumana ixabiso lemali elingana nesabelo sabo sobunikazi kwingxowa-mali. Ngaphandle koko, iBhodi yabaLawuli beNgxowa-mali iya kukhetha umcebisi omtsha wokutyalomali ukulawula i-fund. Nangona kunjalo, ngenxa yokuba iimali ezixhasayo zithengisa umxhasi (kwaye kwaye kaninzi zenza) ziguquke ngexabiso. Oku kuthetha ukuba kwezinye iimeko, umtyalo-mali unokuphelisa ngemali encinci kunokuba atyala imali ekuqaleni. Kodwa le mngcipheko werhwebo nayo yintoni eyenza abatyali-mali bakwazi ukukhulisa ubutyebi babo ngokuhamba kwesikhathi. Ngamagama ahlukeneyo, "ukhuseleko" lixesha elifanelekileyo. Ukuba ukhangele isiqinisekiso okanye ukhuseleko lwenqununu, iimali zentsebenziswano azinakuzikhethela.
Nangona kukho ukhetho oluninzi lwezinto zokutshala imali (i-stocks, ii-ETF , kunye neemali ezivaliweyo zokugqibela , ukubiza ezimbalwa) i-fund eyodwa inokunikela ngendlela elula, efanelekileyo yokutshala imali yomhlalaphantsi, imfundo okanye ezinye iinjongo zemali.