Kutheni kwaye xa ufuna ukucinga ngokubamba ii-Asset Investments kunye namaFree Multiple
Kodwa ngaba bonke abatyali-mali kufuneka basasaze impahla kwiimveliso ezininzi zezezimali okanye ngaba isigqibo esenziwe kwimeko yimeko? Ziziphi izizathu ezifanelekileyo zokutshala imali kwiinkampani ezingaphezu kweyodwa?
Kutheni kwaye kunye Nini Ukugcina Iimpahla Zotyalo-mali ezingaphezu Kweminye Yomeleleyo
Xa ubamba imali edibeneyo, ngokuqhelekileyo zigcinwe ekuthetheni egameni lomtyalo-mali kwaye aziyiyo impahla yeenkampani zentengiso okanye i-brokerage firm. Ngenxa yalesi sizathu, abatyali-mali kufuneka baqaphele ukuba akunakwenzeka ukuba inkampani yokuxhaswa ngemali okanye i-firmware iyahluleka kwaye yenze ukuba abatyali-mali balahlekelwe yimali.
Ukuba kwenzeka isiganeko esinqabileyo kwaye esingavumelekanga, njenge-bankruptcy, kwaye xa iimali kunye nenkampani yenkxaso-mali ziyimibutho yomthetho eyahlukileyo, abathengi beenkampani zebhanki abazange bakwazi ukubiza iimpahla zeemali zokuhlawula iimbopheleleko zetyala leenkampani phantsi kwe-bankruptcy. Kwimeko enzima kakhulu, inkampani yenkxaso-mali iya kugxotha kodwa ayikho imali. Impahla nganye yeengxowa-mali iya kuhlala ekhuselekileyo ekukhuselweni kwebhanki lokugcina imali. Ngenxa yoko, abatyali-mali babeya kukwazi ukukhupha okanye ukuthumela amashishini e-fund kunye kwelinye inkampani.
Ngaba ngabaTyalo-mali beMutual Fund bafihliwe ukulahlekelwa kweTyalo-mali?
Kwimeko engavamile apho abanye okanye yonke imali yabathengi kunye neziqinisekiso zingekho, i-inshorensi ye- Securities Investor Corporation (i-SIPC) ihlawula ilahleko ukuya kwii-500,000 zamaRandi (ubuninzi bee-250,000 zama-cash for loss losses).
Ngoko ke, ukuba umtyalo-mali wayefuna ukuyidlala njengokukhuselekileyo kunokwenzeka, abayi kubamba ngaphezulu kwe-500,000 kwiimali eziphathekayo kwiinkampani enye.
Kwakhona ugcine engqondweni ukuba i-SIPC ikhusela abatyalo-mali kwi-bankruptcy okanye ukungabikho kokungabikho kwenkampani ye-brokerage. Iinkampani ze-Mutual fund azikho iifenki zokurhweba, ngoko ke abaxhasi babo abafumani ukukhuselwa kwe-SIPC. Ngoko ke kuphela yokhuseleko lwabathengi boxhaswa ngabanini-mali abafumanayo ukuba ngaba banayo imali kwi-akhawunti yokutshatyalaliswa okanye idibansi yokufaka i-akhawunti yecandelo le-brokerage.
Kubalulekile ukuba uqaphele ukuba i-bankruptcy yenkampani yokuxhaswa ngemali, ngokukodwa enkulu enkulu njengeVanguard okanye i-Fidelity, akunakwenzeka ukuba neengxaki zemali ezigqithiseleyo eziya kubalimaza abatyalo-mali. Umngcipheko wodwa wokuba abatyali-mali baxoxisana nabo bafanele bakhathazeke ngengozi yemarike (ukulahlekelwa kwinqununu). Kodwa nangona kunjalo ke loo mngcipheko oyingxenye yokukwazi ukufikelela kwimbuyekezo ephezulu.
Ukufezekisa ulwahlulo olufanelekileyo, abatyali-mali kufuneka bajolise ngakumbi kwiindawo ezahlukeneyo zeengxowa-mali, ngaphandle kweenkampani zenkxaso-mali.
Umthombo: i-Vanguard Investments nge-Investment Oblivious: Ngaba ikhuselekile ukusebenzisa ii-Multiple Fund Companies?
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.