I-Pros and Cons Cons of International Funds
Njengokuhamba kwamanye amazwe okanye ukutya, ukutshala imali kwehlabathi jikelele kungaba yindlela enhle yokudibanisa iipotifoliyo yakho kwaye ufumane amathuba amatsha onokuthi ungawaphululi ngokubambelela kufuphi nekhaya. Emva kokuba unqume ukuhamba kwihlabathi, esinye sezigqibo zokuqala omele uzenze kukuba kukukhetha izitokethi okanye utyalomali kwingxowa-mali.
Impendulo iya kuxhomekeka kwiindlela zakho zokwenza imali.
Nangona abanye abatyali-mali bathanda ukwenza uphando lwabo kwaye benze izigqibo zabo, abanye abaninzi bakhetha ukuvumela umphathi-mali weengxowa-mali ukuba enze i-stock picking.
Akukho mpendulo "echanekileyo" kumntu wonke. Enyanisweni, abatyali-mali abaninzi abaphumelelayo banamasheya kunye nemali. Into ebaluleke kakhulu kukuba nesicwangciso esiqinileyo-kwaye unamathele kuso. Into yokugqibela oyifunayo iqoqo elingabonakaliyo lempahla kunye nemali ngaphandle kwengcamango ecacileyo yento ozama ukuyifeza.
Masiqwalasele ngokukhawuleza ezinye zeengxaki kunye neengxaki zokusebenzisa imali kunye nemasheya ekutsalweni kwemali ngamazwe ngamazwe.
ZeNgxowa-mali
Iimali zengxowa-mazwe ngamazwe zibonelela ngeenzuzo ezimbini ezibalulekileyo kubatyalimi abancinci: ukufikelela ekulawulweni kobugcisa kunye nokuhamba ngokukhawuleza.
Xa utyalomali kwi-stock fund, uthenga isahlulo sepotfoliyo enkulu, eyahlukeneyo kunokuba ungathemba ukuba uhlangane nawe.
Ingakumbi, zonke izigqibo zotyalo-mali zenziwe ngabaphathi beepotifoliyo ngamava kwiimarike zomhlaba.
Iifama ezininzi zokulawula iifom zinamaqela ohlalutyi kuphando efumaneka kwihlabathi lonke.
IiShishini zamazwe ngamazwe
Kwimeko yenkxaso ephosakeleyo, kutheni umntu efuna ukuba akhethe amasheya akhe ngamazwe ngamazwe?
Esinye isizathu siyakwazi ukwenza ngokwezifiso iphothifoliyo yakho. Ukuthenga i-fund kufana nokuthenga i-suit kwi-rack.
Nangona kukho izinto ezininzi ezikhethiweyo ezikhoyo, awunayo nayiphi na indlela ekuthiwa ngayo ama-suits.
Nasi umzekelo. Masithi utshutshise malunga neChina , kodwa awukho ithemba ngeYurophu. Ukuthengwa kweengxowa-mali zehlabathi ngamazwe angeke kukuvumele ukuphumeza olu hlobo lwesicwangciso.
Endaweni yoko, umphathi wakho weengxowa-mali unako ukutyalo- mali kakhulu eYurophu kwaye akanakho ukutyhila kwiChina nonke. Kwaye njengoko imali ifunwa kuphela ukuba ibhengeze ukubanjwa kwayo kabini ngonyaka, awuyi kukwazi kakuhle ukuba umphathi wakho weengxowa-mali uyithengi kuze kube sekude.
Ewe, oku akuyona into embi. Emva kwakho konke, umphathi wakho weengxowa-mali unokulungela kwaye uphando lwakho lungalunganga! Ngaloo ndlela, uya kuvuya ukuba utyalombile eYurophu esikhundleni seChina. Kodwa kubalulekile ukukhumbula ukuba ininzi yesigqibo esivela kwizandla zakho xa uthenga i-fund.
Ingxabano yesibini yokukhetha amasheya endaweni yemali yindleko. Iimali zengxowa-mali zihlawula iimali zokulawula iimfuno zabo - kwaye azincinci. Ikhefu lehlabathi eliphakathi lifaka iindleko zonyaka malunga ne-1.5% yeempahla zeengxowa-mali. Ngoko xa utyalula i-R10 000 kwingxowa-mali, i-$ 150 iya kwi-pocket yomphathi ngamnye ngonyaka.
Oku kungase kungabonakali ngathi kuninzi, kodwa ukuba utyalomali ixesha elide, ezo ntlawulo zingongeza kwixabiso elibi.
Xa uthengela isitokethi ngasinye, kunjalo, uhlawula ikhomishana yomthengisi kanye emva koko uyenziwe de ugqibe ukuthengisa.
Ukuba ungumqali oqaqambileyo, i-fund ye-joint mutual fund iyinto efanelekileyo kakhulu yokubheja. Kodwa njengoko ukhululekile ngakumbi ngokutyalomali ngaphesheya kweso sithile, unokufuna ukongeza ezinye izitokisi kumxube kunye.