Bavelisa imali engenayo kodwa intengo yesabelo ingaba yintliziyo.
Iimali zokugqibela ezivaliweyo zihlukileyo kuneengxowa-mali zokugqibela ezivulekileyo.
Ngesikhwama sokuphela esipheleleyo, nje kuphela xa ufuna ukuthenga amasheya, inkampani yolawulo iya kubathengisa ngayo. Baya kuthatha imali yakho, bayifake kwiipotifoliyo, kwaye benze izabelo ezininzi. Uhlala uthengela izabelo zesikhwama sokuphela esikhwameni kwi-nkampani ye-fund, akakho nakwiimarike zesekondari.
Xa i-fund ivalwe ingxowa, inkampani iphakamisa inani elimisiweyo lemali, kwaye ichaza inani elithile lezabelo.
Azikho izabelo ezintsha ezenziwe emva kwelo nqaku. Abatyalo-mali bangathengisa iifowuni kuphela kwiimarike zesekondari, kumnye umntu othengisa izabelo.
Xa imali yokuqala iphakanyisiwe, umphathi wezezimali ulawula utyalo-mali ngokubhekiselele kwiinjongo zeenjongo zeenjongo zezimali. Iimali zokugqibela ezivaliweyo zingatyalwa kuyo naziphi na izithenjwa zokuthengisa ezifana nokulingana, iibhondi, izitokhethi ezikhethiweyo, ukhetho, njl.
Iimali zokugqibela ezivaliweyo zingabonelela ngokuhlawula imali ephezulu
Uninzi lweemali ezivaliweyo zokugqibela zihlawula iindleko zenyanga okanye ngekota. Zingaba yindlela ekhangayo kubatyalomali abafuna ingeniso. Abatyalomali kufuneka baqonde ukuba le mali ingeniswa njani. Kwiimeko ezininzi inxalenye yengxowa-mali ye-fund yintlawulo ye-nqununu. Ezinye iimali zincinci ngokuzenzekelayo ngokucoca ngaphezulu kweminyaka engama-20 ukuya kwe-30.
Ixabiso lentengo linokuthi likhulu kakhulu kwaye ezininzi iimali ezivaliweyo zokugqibela ziza kubona ixabiso lawo lamanani lihla xa ixabiso lentengo liphakama. Abatyalomali abasebenzisa iimali zokuvala ezivaliweyo kufuneka baqonde ukuba nangona bangenayo imali engenayo, ixabiso labo eliyinhloko linokuthi lingene kwiindawo eziphezulu kwaye liyeke.
Qaphela ukuphakanyiswa
Ixabiso lentengo linjalo kakhulu ngenxa yokuba ezininzi iimali ezivaliweyo zokugqibela zisebenzisa umlinganiselo, okanye ukuboleka kwingxowa-mali, ukuthenga iziqinisekiso ezininzi. Injongo yesi sicwangciso kukunyusa ukubuyiswa kwengxowa-mali, okanye inani lemali engenayo ehlawulwayo.
Ngokomzekelo, mfa nekiso weengxowa-mali ezahlukileyo ezizahlula iintlawulo.
Njengesikhwama sokuphela sokuvalwa esingasetyenziswa, le ngxowa-mboleko inokuboleka kwi-stock portfoliyo ukuthenga amaxabiso amaninzi ahlawulayo. Ukucinga ukuba ixabiso lentengo laliphantsi ngokwaneleyo ukuba iindleko zabo zokuboleka ziya kuba ngaphantsi kwesivuno sokwahlula kwaye ziyakwandisa ukuhlawula ngaphandle kwesikhwama ngokusebenzisa le ndlela.
Olu tyenziso lwemali, okanye imali ebolekelwe, lubangela iimali ezivaliweyo zokuvala, njengezibophelelo, ukuba zibe nenqanaba elikhulu lentengo . Xa ixabiso lentengo liphakama, ixabiso lentengo yeemali zokugqibela ezivaliweyo liya kuhla. Oku kungenxa yokuba abatyali-mali balindele ukuba le ngxowa-mali iya kubakho ukuhlawula iindleko eziphezulu kwiimali eziboleweyo, kwaye eli xabiso eliphezulu lemali kulindeleke ukuba lihlehlise ukubuyela kwe-fund yonke.
Iintengiso zorhwebo kwi-premium okanye isaphulelo
Xa isikhwama sikhweba kwisaphulelo, kuthetha xa uthengela isabelo, uhlawula ngaphantsi kwexabiso lexabiso lemarike kuzo zonke iimali-mali eziphantsi kwezimali.
Xa i-fund iqhuba nge-premium, ithetha xa uthenga isabelo, uhlawula ngaphezu kwexabiso lexabiso lemarike kuzo zonke iimali-mali eziphantsi kwezimali.
Iimali zokugqibela ezivaliweyo zisetyenziselwa ukusetyenziswa ngokugqithiseleyo kwipotifoliyo yokuvelisa inzuzo , okanye, kubafakeli-mali abanolwazi kuphela, ngokusebenzisa isicwangciso sokurhweba esicwangcisiweyo, okubandakanya ukuthenga imali kwi-discount and selling them in premium.
Musa ukudibanisa iimali zokuvala ezivaliweyo ngeemali ezivaliweyo. Xa isikhwama sokugqibela sogqirha sivule ukukhupha izabelo, ngexeshana okanye ngokusisigxina, kuya kuthiwa "kuvaliwe." Ngelo xesha, awukwazi ukuthenga izabelo ze-fund; kungekhona kwimarike yesibini okanye kwiinkampani ze-fund. Ezi mali ezivaliweyo azifani ne-fund end clos.
Oku kubonakala kunzima
Cinga ngako ngale ndlela - into oyaziyo njengengxowa-mali yesikhwama semali evulekile. Ukuba njengamanje ubambe ukuba inkampani yakho okanye umcebisi ubiza umnxeba mali, mhlawumbi unemali yokuphela. Ininzi iiphothifoliyo zizaliswe ngemali yokuphela.
Imali yokugqibela yokuvala isithuba esinjengengxowa-mali yokuthengiselana. Kunomnikelo omncinci weemali zokugqibela ezivaliweyo kwaye kaninzi, zibanjwe ngabatyalomali okanye ngabacebisi abanolwazi oluphambili okanye iinjongo ezithile kuba iimali zokugqibela ezivaliweyo zimelela umngcipheko ophezulu