Izindlela ezintathu Abatshali-mali abatsha banokuthenga iiNkampani zeMual Fund
Kule nqaku, sifuna kugxininisa indlela . Ngokukodwa, indlela oya kuhamba ngayo ngokuthenga amasheya e-fund fund emva kokuba wenze isigqibo sokuba ufuna ukufumana i-fund ethile.
Ngokwenza njalo, sinethemba lokunika ukuqonda okubanzi malunga neendlela ezibandakanyekayo.
Unokuthenga iintengo ze-Mutual Fund ngokusebenzisa uMthengisi wakho
Ukuba unayo i- akhawunti ye-brokerage , i- Roth IRA , i-IRA ye-Traditional , okanye enye i-akhawunti kwi- stock broker efana noCharles Schwab okanye iMerrill Lynch, unokuthenga ezininzi iimali ezifanayo njengoko unokuba nesabelo sesitokisi . Uza nje kwiwebhsayithi ye-broker, hamba kwiofisi yesebe elisondeleyo, okanye ufonele umthengisi wakho kwifowuni uze ubatshele uphawu lwekhayibhile yesikhwama sokubambisana ofuna ukuthenga kunye nenani elipheleleyo lemali ofuna ukuyisebenzisa. (I- symbol yekhayibhile ikhowudi emfutshane eyabelwe yi-stock exchange ukumela utyalo-mali.) Ukuba uthengisa i-Coca-Cola, umzekelo, uphawu lwekhayibhile yi-KO. ) U
Uninzi lwabathengi baya kukuhlawulisa ikhomishini okanye ezinye iirhafu zokuthenga izabelo ze-fund.
Ngokuqhelekileyo, ukuba ingxowa-mali yabambiswano ihlelwe njenge -fund-exchangeed fund okanye i-ETF, baya kusebenzisa ikhomishini efanayo abahlala besenza kwiimpahla. Kwezinye iimeko, baya kuhlola umrhumo wendleko, ngokuqhelekileyo i-$ 49.95 okanye into efana nayo, enokuyithatha inzala-mali enqununu enenjongo yokuyenza okanye ukuba yongezwe ukwenzela ukuba utyalo-mali olupheleleyo luzaliswe.
Kwiimeko zeemali zengxowa-mali, iikomishoni ziyakwazi ukuqhuba eziphakamileyo njengama-5.75 ekhulwini ngonyaka ngeendleko ezongeziweyo. Nangona kunjalo, kwiimeko zeemali ezixhaswa ngumthwalo, kunokwenzeka ukuba umthwalo ukhutshwe ngumlinganiselo ophantsi weendleko zomxhaso kunye nentlawulo-mali ukuze utyalo-mali angcono kwixesha elide, elibalulekileyo ukuba uthatha indlela yokuthenga nokubamba, kodwa silondoloza ukuba akukho mzekelo wokuhlawula umthwalo wokuthengiswa kweengxowa-mali kwilizwe lanamhlanje xa unokufumana umgangatho ophezulu okanye othelekisayo ngaphandle kweendleko ezongeziweyo.
Kubalulekile ukuba uqaphele ukuba, kwezinye iimeko, umthengisi wakho unokufumana intsapho yemali eyimpahla, okanye inethiwekhi yeemali enxulumene nayo ngandlela-thile, ebangela ukuba babe ne-incentive yokuba utyalole kuyo. Ukuze kulungiswe le ntengiso, abaninzi abanomthengisi baya kunika le mali ngaphandle kwikhomishini. Kwezinye iimeko, ulaka olutsha luya kunika kwakhona into ebonakala ngathi iyinani leendleko eziphantsi kwamadwala kodwa ifuna i-fund yangaphakathi ukuba ibambe iqela elithile lemali -thi, ama-5 ekhulwini okanye-ke ukuba umphathi-mali uya ukuyisebenzisa njengomthombo wokuthambisa, inzala engenayo ngumthombo oyintloko wembuyekezo.
Nangona le nto ingabonakali ngabatyala-mali ngoku ngenxa yezinga elincinci lentlalo-mali, ngaba siza kubuyela kwizinga lokumgangatho wentsingiselo ehambelana nemimiselo yembali, ingaba yintlambo yeenkampani zolawulo ngelixa abatyali-mali qi ni sekise ukuba bahlawula imali ephantsi kunye neendleko; Kwimeko yecala lokubamba iqhinga elisebenzayo elisebenzisekayo abantu abaninzi banamathele ekugxileni kwiindleko ezicacileyo kuneendleko zexesha.
Unako ukuthenga iiSahlulo seMual Fund ngokusuka kwi-Mutual Fund Inkampani
Ukuba uyazi ukuba ufuna ukuba imali yakho ityalwe imali ethile kwingxowa-mali ethile okanye kwiingxowa-mali ezidibeneyo ezenza inxalenye yentsapho enkulu yokuxhasana kunye neengxowa-mali, unako ukuvula i-akhawunti ngokukhawuleza kunye ne-fund efanayo. Ugcwalisa i-intanethi kwi-intanethi, uyithumele kuyo ngetshekhi (okanye, kule mihla, qalisa ukuhanjiswa kwe-intanethi), kwaye xelele inkampani ukuba ufuna ukuvula i-akhawunti rhoqo, okanye i-akhawunti ekhethekileyo njengeRoth IRA okanye i-Traditional IRA .
Unokwazi ukuyilungisa ukwenzela ukuba i-fund efanayo yenza utyalo-mali ngokuzenzekelayo ngokurhoxisa imali kwi-akhawunti yakho yokujonga okanye yokulondoloza inyanga nganye! Le nqubo, ebizwa ngokuba yi- dollar ixabise umlinganiselo , ingaba yindlela efanelekileyo yokukhawuleza intlawulo ephakathi kwakho ohlawula ngayo izabelo zakho zengxowa-mali kunye, njengoko ukucinga kuhamba nangona kukho umbuzo othile wemfundo kuwo, kunceda unciphise umngcipheko wokubeka zonke zakho imali kwimarike kwinqanaba eliphambili, njengosuku olungaphambi kokuphazamiseka kwendiza ye-dot-com okanye ukudibanisa kweWall Street eyaqala ukuKhuphela okuKhulu ngo-2008.
Inzuzo enkulu kakhulu ekuthengeni izabelo zeengxowa-mali ngokuzimeleyo kwiinkampani ezizimeleyo yenkampani ngokwayo kukuba kaninzi awuyi kuhlawulwa ikhomishina yokuthengisa yomgangatho oqhelekileyo, oku kuthetha ukuba imali ethe xaxa iya kungenelo lwakho mali kwaye isebenza kuwe. Ingcipheko yokuthengwa kweengxowa-mali zentengiso ngokuthe ngqo kwiinkampani zenkxaso-mali ngokwazo yinto yokuba kunzima ukutshintshisa iimpahla zakho emva kwexesha okanye ukudibanisa kwii-securities ezongezelelweyo, kuquka ukuthenga amasheya kwezinye iimali ezixhaswe ngamanye amaziko emali.
Ukuthengwa kweeMali zeMutual Fund ngokusebenzisa i-401 (k) okanye iSicwangciso soMhlala-phantsi eMsebenzini
Ukuba usebenza kwinkampani enezimbalwa zabasebenzi abambalwa, iziphumo ezintle unalo 401 (k) icebo okanye into efanayo. Phantse kuzo zonke iimeko, inkampani iya kukuvumela ukuba utyalomali kwizabelo zeemali ezidibeneyo kwisicwangciso. Ingcipheko mhlawumbi ukhangele kwimenyu engancinci yemali-mboleko yezobambiswano zentsebenziswano, ezinye zazo ezinokuthi zibe ngaphantsi. Nangona kunjalo, ubukho bomdlalo womqeshi bunokwenza ukuba bukhangele phantsi kweemeko ezifanelekileyo nangona ungeke ukwazi ukufikelela kwingxowa-mali yexabiso eliphantsi elithatha inkcazo enkulu yemakethe ye-stock market njenge- Dow Jones Industrial Average okanye i- S & P 500 .