Uvavanyo olutsha lweVanguard lubala inani leNqobo loMcebisi wezeMali
Phakathi kwemibuzo eqhelekileyo ndiyayiva njengomcebisi wezemali kukuba, "Kutheni ndimele ndiqeshe uMhlaba xa ndikwazi ukulawula imali yam? Ndine 401k kwaye ukuba ndifuna ukwenza olunye utyalo-mali kukho itoni yolwazi kunye neengcebiso ezikhoyo kwi-intanethi. "
Ndiyayiqonda ngokupheleleyo umbuzo. Iingcebiso zezezimali zihlawula iipesenti ze-0.5 ukuya kwi-1 pesenti yepottoliyo yakho ngonyaka. Ngoko, ewe, abantu bafuna ukwazi ukuba bafumana oko bahlawulayo.
I-Vanguard, enye yeenkampani ezinkulu zokutshala imali, ihlolisise le mbuzo iminyaka eyi-15. Ngokusekelwe kuphando, uhlalutyo kunye nokuvavanya, iVanguard igqibe ukuba, ewe, ukwanda kwenani lokubuyisela ekusebenzeni nomcebisi wezezimali. I-Vanguard ibiza le ngcebiso i-Alpha's Advisor. Xa ezinye iindlela ezilungileyo zilandelwa, umphumo unokuba ngu-Alpha kwi-3 ekhulwini ngonyaka.
Ucwaningo oluthile lukaRussell Investments, inkampani enkulu yokulawula imali, yafika kwisigqibo esifanayo. URussell uqikelela ukuba umcebisi omhle wezezimali unokwandisa ukubuyiswa kotyalo-mali ngu-3.75 ekhulwini.
Akuyena wonke umntu ofuna okanye ufuna umcebisi wezemali. Phantse kwikota enye yabatyalomali abazimeleyo "ngokwenene," ngokutsho kweVanguard. Aba bantu bayakujabulela ukutshala imali. Bawulandela ngokugqithiseleyo iimarike kwaye banandipha ukudala nokwenza iziphumo zemali. Mhlawumbi kubaluleke kakhulu, aba batyali-mali banqanaba eliphezulu lokuqeqeshwa okuvimbela iimvakalelo zabo ukuba bangenelele kwisicwangciso sabo sokugqibela sotyalo-mali.
Njengoko iikota ezintathu zethu "azizenzeli" xa kuziwa kwimali, kukuhle ukwazi ukuba kukho uncedo olufumanekayo olunokuhlawula ngokwenene - kwiimeko ezifanelekileyo .
I-Vanguard ithi kukho iindlela ezininzi apho umcebisi wezemali angakongeza ixabiso kwimigudu yakho yokutshala imali. Phakathi kwezi zibonelelo zikhokelo ekuphuhliseni isicwangciso-mali sokubanzi, ulwabiwo lweefa, ukunciphisa intela, ukulinganisela kunye nendlela yokulungisa / ixesha lokuhoxiswa kwiakhawunti yakho yomhlalaphantsi.
Ngolunye lwale nkonzo lunokwandisa ukubuyiswa kwembuyekezo yabaxhasi - ngamanye amaxesha ngokukhawuleza, ngamanye amaxesha.
Kodwa enye enye indlela umcebisi wezemali angongeza intengo-ukuya kuma-1.5 ekhulwini ngonyaka wokubuyiswa kwonyaka - ngento ebizwa ngokuba ngumqeqeshi wokuziphatha.
Njengoko wonke umdlali omuhle we-poker uyazi, ukwesaba imali ayenzi imali. Abacebisi bezezimali abakhulu banako ukugcina ukwesaba kunye neemvakalelo kubaxhasi babo ngokubhekisele ngokubonelela ngeengcebiso ngokuqinisekileyo, kunye nokuqinisekiswa xa iimarike zithengisa okanye ziphosa . Ucwaningo lukaRussell luye lwafumanisa oku njengenzuzo enkulu kakhulu yokusebenza nomcebisi wezemali.
Andikwazi ukugxininisa ngokwaneleyo ukubaluleka kwalo msebenzi. Uvavanyo lweVanguard malunga ne-58,000 i-IRAs ezizimeleyo zibonise ukuba abatyali-mali abenza utshintsho lwezinto eziphathekayo kwisicwangciso sabo NGAPHAKATHI NGONYAKA kwiminyaka emihlanu ukususela ngo-2008 ukuya ku-2012 bafumana i-8 pesenti-kunye nentsimbi yokusebenza.
Uphononongo lwe-Morningstar lubonisa ukuba abatyali-mali bavame ukufumana ukuhlawula okuphantsi kwezona mali abazityalayo o o. Isizathu: baleka kwiimali emva kokuba benze kakuhle kunye nemigodlo enye imali ngaphambi kokuba bahambe. Ngamanye amazwi, bathengisa phantsi baze bathenge phezulu. Umcebisi unokuthintela ukuziphatha okunjalo okuvelisayo.
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.