Ukutshala imali kwiMatual Funds akunakwenzeka ukuba kube lula okanye kuninzi okunokuthethelelwa
Ngokuphendula le mibuzo emithathu elandelayo, yithemba lam uya kuzuza ukuqonda okungcono ukuba zeziphi iimali zentengiso, indlela abasebenza ngayo, nokuba bangeniswa njani kwipotfoliyo yakho yokutshala imali.
Iyintoni i-Mutual Fund?
Njengoko naluphi na utyalo-mali, umyalelo wokuqala wezoshishino kukuqonda ukuba yiyiphi into ocingela ukuyifumana. Kuzo zonke iinjongo kunye neenjongo, iimali eziphathekayo zisebenza njengabanye abatyalo-mali abangenako ukufumana i- akhawunti ephethwe ngabanye . Iimali zengxowa-mali zenziwa xa abatyali-mali beemali ezincinci zemali yamashishini kunye kunye nokuqesha umphathi weepotfoliyo ukuqhuba iphothifoliyo yokudibanisa, ukuthenga iintlobo ezahlukeneyo, izibophelelo okanye ezinye iziqinisekiso ngendlela ehambelana neprospus yesikhwama . Umtyalomali ngamnye ke ufumana i-pie yakhe xa ekwabelana ngeendleko, ezibonisa into ebizwa ngokuba ngumlinganiselo weendleko ze-fund . Iimali zokubambisana ziyakhiwa ngendlela ehlukahlukeneyo; Iimali zengxowa-mali ezivulekileyo ezivulekileyo kunye neemali ezivaliweyo ezivaliweyo zibahluke ngokukhethekileyo .
Ukuze ufunde okungakumbi malunga nendlela edibene ngayo imali, funda indlela i-Mutual Fund eyenziwe ngayo . Ungafuna nokufunda ukwenza imali kwiMatual Funds , ichaza indlela abatyali-mali abanenzuzo ngayo (okanye amava okulahleka) ukuba babe ne-stake kwi-fund fund.
Ndingakhetha njani i-Mutual Fund?
Yilapho uza kufuna ukugxila ingqalelo yakho kwaye wenze uvavanyo oluthile kunye nophando.
Inani leemali ezikhoyo ezikhoyo kubatyalomali ngoku zidibanisa inani lamasheya kwiiNtshonalanga zaseMelika; ngalinye liyingqayizivele kodwa lingahlulwa ngokwezigaba zentengiso eziphantsi kwazo. Kwinqanaba elona libanzi, i-fund iya kubakho kwiindidi zintathu, ukulingana (amasheya), ukufumana ingeniso (iingxowa) kunye nemarike yemali (efana nemali). Ubulungisa kunye neengxowa-mali ezingenasisiseko zinezigaba ezingezantsi, eziya kwenza umnini-mali ukuba athathe umnatha omncinci kunye needola zabo zotyalo-mali. Ngokomzekelo, utyalo-mali we- equity fund ungatyala imali kwingxowa-tekhnoloji efaka imali kuphela kwiinkampani zeteknoloji. Ngokufanayo umtyalo-mali osesikweni ofunayo ingeniso yangoku angatyala imali kwingxowa-mali ye-securities yeburhulumenteni efaka imali kuphela kwiimali zoburhulumente. I-so-called okuthiwa yingxowa-mali elungelelanisiweyo yinkxaso-mboleko ephethe iifowuni kunye nezibophelelo.
Ingozi ibaluleke kakhulu xa kuhlaziywa imali. Njengomtyalo-mali, kufuneka wenze yonke imizamo yokuqonda ingozi ozimisele ukuyithatha uze ufune i-fund ephantsi kokunyamezela kwakho. Ngokwemvelo, utyalo-mali ngenjongo ethile engqondweni, uncinci uluhlu lwakho lwabaviwa ngokugxila kwiimali ezizalisekisa iimfuno zakho zotyalo-mali ngenkathi uhlala kwimimiselo yengozi.
Ukongezelela, jonga ukujonga ukuba imali emiselweyo yintoni ukutyalomali kwingxowa-mali. Ezinye iimali ziya kuba neembalo ezincinci ezahlukeneyo kuxhomekeke ekubeni ingaba i-akhawunti yomhlala phantsi okanye i-akhawunti engekho yomhlala phantsi.
Ndingayithenga njani i-Mutual Fund?
Inkqubo yokuthenga izabelo zengxowa-mali zixutywa ngokubanzi kwiNkqubo yokuThengisa njani iiSahlulo zeMual Fund? kodwa ingcaciso yesishwankathelo yile: Iimali zengxowa-mali zizithengwa ngexabiso lemali e-dollar ngokungafani ne-stocks, ezathengwa kwizabelo. Iimali zengxowa-mali zingathengwa ngqo kwiinkampani zentengiso, ibhanki okanye iqumrhu le-brokerage. Ngaphambi kokuba utyalomali uza kufuneka ube ne-akhawunti kunye nalezi ziko phambi kokubeka umyalelo. Ingxowa-mali iya kubakho "ingxowa" okanye "akukho mthwalo" kwingxowa-mali, eyiyigonari yezemali malunga nokuhlawula ikhomishini okanye ukuhlawula ikhomishini.
Ukuba usebenzisa ubuchwepheshe bokutyalo-mali ukukunceda, unokuhlawula umthwalo. Qonda ukuba i-fund "ayikho mthwalo" ayikho inkululeko. Zonke iingxowa-mali zidibene neendleko zangaphakathi, oko kukuthi inxalenye yerhafu yakho yotyalo-mali iya kuhlawula inkampani ye-fund, umphathi wezezimali kunye nezinye iirhafu ezihambelana nokuqhuba i-fund. Ezi ntlawulo zihlala zibonakaliswe ngokucacileyo kumtyalo-mali kwaye zithathwa kwii-asethi ze-fund. Kufuneka uqwalasele zonke iirhafu kunye neentlawulo xa utyalo-mali kwiimali ezihlangeneyo
Inkqubo yokuthenga ingxowa-mali iya kwenziwa ngefowuni, kwi-intanethi, okanye kumntu ukuba ujongene nommeli wezezimali. Ukubeka umyalelo, uya kubonisa ukuba uninzi kangakanani imali ofuna ukutshala kunye nento efanelekileyo yokuthenga imali. Kungakhathaliseki ukuba yintoni imali ehlawulayo, intlawulo ohlawula ngayo izabelo iya kuqulunqwa ngentengo yesabelo sokuvala ekupheleni kwaloo mini.
Eli nqaku libhalwa nguMarc Pearlman ngoMeyi 2011. Lwahlelwa ngokutsha ukufometha nokucaca nguJoshua Kennon. I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.