Zingaphi Izizathu Ngaba Ufuna Ukuthengisa I-Fund Yakho Yomnye?
Ngoko, kutheni ufanele uthengise imali yakho?
1. Thengisa i-Mutual Fund yakho ukuhlangabezana neenjongo zakho
Ukuba ungumtyalomali-mali, uya kuba nokuthenga iimali ngokubambisana neendlela zokwabiwa kwempahla ehambelana nomgomo (umzekelo, umhlalaphantsi, imfundo yekholeji yabantwana). Njengoko uqhubela phambili endleleni ufikelela kwinjongo yakho, utshintsho kwi-asethi yakho yesabelo luyimfuneko. Ngokomzekelo, ukuba abantwana bakho beza kubhaliswa kwikholeji, unokugqiba isigqibo sokuba uhlalutye iphothifoliyo yakho kwisabelo esilungeleleneyo ukwenzela ukunciphisa umngcipheko wokulahlekelwa yimali oyimfuneko yokufundela iikholeji. Ngalesi sihlandlo, uza kuthengisa inxalenye yeemali zentsebenziswano kunye kunye nokuthenga iimali ezixhasayo zengxowa-mali .
2. Thengisa i-Mutual Fund yakho xa ubona ukuhamba kwe-style
Ukuba uthenge i-fund ye-joint fund ukuzalisa isabelo se-stock-stock cap yepotfoliyo yakho, kwaye phantsi kweendlela, ufumanisa ukuba i-fund iye yavelisa ubunzima obuninzi kwindlela yokutshala imali, njengama-domestic equ-cap equities, unokufuna ukuthengisa imali yakho.
Lo mbandela wokutshintsha iindlela zokutshala imali ubizwa ngokuba yi "style drift."
Ukukhutshwa kwesitayela kunokuba ngumcimbi onzima. Kufuneka uqhubeke nokuphanda kwaye uhlole iimali zakho zokubambisana ukuze ufumane le ndlela yokuqhubela phambili ngenxa yokuba unokungazi ukuba neendawo ezininzi zemarike. Ukuqhutshwa kwesitayela kunokukushiya ngokunyusa ngokweqile kwiklasi enye yotyalo-mali kunye nobunzima besinye kwelinye, ngoko ke ukutshintsha iimpawu zobungozi / umvuzo wepottoliyo yakho.
3. Thengisa i-Mutual Fund ukuba i-Fund Manager iinguqulelo
Esinye isizathu kufuneka uqikelele ukuthengisa i-fund yakho kunye nokuba umphathi wale ngxowa ushiya i-fund. Abatyalimi abaninzi bathenga i-fund efanayo ngenxa yerekhodi lomzila wenkampani ethile. Umzekelo, khumbula uPeter Lynch, umphathi owaziwayo we-Fidelity Magellan Fund kwaze kwaba ngo-1990? Abanini-zimali abaninzi bathengiweyo kwi-Fidelity Magellan Fund ngenxa yeendlela ezahlukileyo zokutshala imali kunye nerekhodi yomculo ophumeleleyo, kuphela ukudibana nokubuyiswa kwe-lackluster (okanye, ubuncinci, kungekhona njengokuba kubuyiselwa i-stellar) emva kokuthatha umhlalaphantsi.
Xa umphathi wezikhwama ethatha umhlala-phantsi okanye mhlawumbi eshiya ukuba enze ezinye izinto azenzayo, kwaye umphathi ofanelekileyo ungena kwi-fold, umphathi omtsha unokuba nefilosofi eyahlukileyo kunomphathi osanda kutsho. Ngenxa yalesi sizathu, umphathi wezezimali unokuvuselela iipotifoliyo, ukudala imali engaphezulu, eyona nto inokukhokelela kwiintlawulo ezingenanto ezingenakunikwa . Ukuba umphathi wengxowa yakho uyishiya, qwa lasela inkcazo yesicwangciso esitshintshayo kwaye ujonge ukuthengisa i-fund yakho.
4. Sithengisa i-Mutual Fund yakho xa ilahleka i-Mark yayo
Ukuba uthenge i-fund-capital cap-fund, ungayilindela ukuba i-fund kufuneka, ngokugqithiseleyo kwexesha, ingaphaya komlinganiselo wayo.
Kule meko, ungalindela ukuba i-fund ye-capital-cap joint fund kufanele iphumelele i- S & P 500 - mhlawumbi, ubuya kuthengela i-S & P 500 yengxowa-mali , na? Ukuba i-fund yakho iqhubeka ibeka ingqalelo ibhonkmark yayo, ke qwalasela ukuthengisa imali yakho kunye nokuthenga enye ingxowa-mali , okanye mhlawumbi, ukuthenga ibhenkmark ngokwayo kwingxowa-mali .
Omnye Umvuzo Wokugqibela
Ukuba ungumtyalo-mali osisigxina, kwaye ukholelwa kwisicwangciso sokuthenga nokubamba, kubalulekile ukuba ukhumbule ukuba ukuthenga kwakho kunye neqhinga lokubamba akuthethi ukuba ungalokothi uthengise imali yakho. Gcina unxibelelana nesikhwama sakho, mhlawumbi ngokusebenzisa uphando (ngaphaya kwe-check-up yonyaka) okanye uchwepheshe wezemali othembekileyo. Mhlawumbi ... mhlawumbi ... uya kufumana izizathu zokuthengisa imali yakho kunye nokuyifakela enye into efanelekileyo yokuhlangabezana neemfuno zakho.