Ngeengxowa-mali ezingaphezu kwe-10,000, xa uhamba ukuthenga i-fund fund, uqala phi?
Qala ngokufunda into ENGINGENZI. Uya kugcina ingeniso yerhafu emva kwexesha xa uphepha ezi mpazamo zintlanu xa uthengela imali.
01 Inkcaza # 1: Ukuhlawula i-High Fee Ukusebenza kwexesha elidlulileyo Zonke iiNkanyezi
Ngokomzekelo, i-Morningstar, inkampani eyenza uphando ngeemali ezihlanganyelweyo, ibhala ukuba enye eyona nto iphambili yokwenza imali engaphezulu ayiyiyo inkqubo yabo yokunika iinkwenkwezi, kodwa iifizi zezimali. Imirhumo engaphantsi ihambelana ngqo nemali ephezulu. Iimali zekhowudi zineemali eziphantsi. Yilumkele imali ephezulu. Ezi ntlawulo zifake isikhwama somnye umntu; hayikho.
Kutheni ixabiso eliphantsi lokuhlawula imali lihamba kakuhle ngexesha elide? Ngenxa yokuba imali ephezulu yemali ithatha indlela elawulwa ngokuzimeleyo . Ingxowa kufuneka ihlawule iqela labahlalutyi kunye nomphathi wezezimali ukuze azame ukukhetha utyalo-mali olufanelekileyo. Ngenxa yokuba i-fund iya kuhlawula bonke aba bantu, iifizi ziphezulu. Oku kuya kuba kuhle, ukuba iimbuyekezo zihlala ziphezulu, kodwa azinjalo.
Abaqhubi abakhulu omnye unyaka abanalo abaphumeleleyo abafanayo kunyaka olandelayo. Ngenxa yoko, ngokugqithiseleyo kwexesha, isikhwama sokuhlawulwa esiphantsi okanye oko kubizwa ngokuba yingxowa-mali elawulwa ngokungathandabuzekiyo , ephethe inqanaba lonke lotyalo-mali kunokuzama ukukhetha nokukhetha utyalo-mali olufanelekileyo kwiqela labo, linembuyekezo ephezulu. Imali ephantsi yokuhlawula imali ayikho imbuyekezo eyongezelelweyo yokuhlawula abasebenzi bezophando kunye nabahlalutyi ngaphambi kokuba badlulisele kwimbuyekezo yabo kubatyalomali.
Iimali ezilawulwa ngokunyanisekileyo nazo zincinci. Ngenxa yokuba ezi mali zithengisa ngamandla kwaye zithenga utyalo-mali zivelisa i-short-term ye-capital earnings, ehlawulwa intela ephezulu ngaphezu kwexesha elide. Ukuba uyifumana isikhwama esilawulwayo esikufunayo, ukulungele ukuba neyakhe ngaphakathi kwe-IRA okanye enye i-akhawunti echazwe ngerhafu apho awuyi kuhlaselwa yonikezelo lwenzuzo emfutshane yonyaka.
02 Inkcazo # 2: Ukuthenga iifowuni kunye neNzuzo yeMali ephumayo
Xa uthengisa iimali zengxowa-mali kwi-akhawunti engekho phantsi komhlala phantsi, unokuphepha ukufumana i-earnings eyinxalenye ngokuthenga iimali ezilawulwa yerhafu, iimali zenkcazo okanye ii-ETF.
Ekupheleni konyaka ngamnye unako ukuvuna ilahleko ngokuqaphela ukulahlekelwa kwemali ngenxa yezizathu zerhafu ngokutshintshana imali enye yokuxhasa enye i-fund efanayo.
(Qaphela: le mpazamo ifanelekile kuphela kwiimali zentengiso ezithengiweyo kwi-akhawunti engekho phantsi komhlala phantsi. Ngaphakathi kweakhawunti yomhlala-phantsi njengama-IRAs, 401 (k), 403 (b), kunye nezinye izicwangciso zempesheni yomhlala phantsi, kungakhathaliseki ukuba kuthengiswa ezenzeka ngaphakathi okanye phakathi kotyalo-mali kwisicwangciso, awuhlawuli irhafu uze udibanise imali.)
03 Inkcazo # 3: Ukuthenga amaninzi amanqanaba eFund Fund
Iphothifoliyo eninzi ehlukeneyo inika ithuba lokubhengezwa kwiisitokisi ezinkulu, iisitokisi ezincinci, izitokhwe ezinkulu zamazwe ngamazwe, iisitokethi ezincinane zamazwe ngamazwe, amasheya ezakhiwo, iimashishini ezikhulayo, kunye neentlobo ezahlukeneyo zeekhonkco.
Ngaphambi kokuba uthenge izabelo zesikhwama sokubambisana, jonga izithako. Ngaba ingxowa-mali inento ehlukile kunezinye iimali oziphetheyo? Ukuba kunjalo, mhlawumbi kuya kuba yinto efanelekileyo kwi-portfolio yakho.
Ukuba awuqinisekanga ukuba yiyiphi i-fund, funa ukhokelo lobuchwepheshe, okanye usebenzise isikhwama esilungelelanisiweyo okanye isikhwama somhla wokujolisa njengoko ezi ntlobo zemali zitshala ngokuzenzekelayo utyalo-mali lwakho ngaphandle kweteti ezahlukeneyo zokubamba.
04 Inkohlakalo # 4: Ukwenza iNgeniso yeNgxowa-mali ibe nguTekisi njengenzuzo eqhelekileyo
Nangona kunjalo, ukuba inzuzo enkulu enzekayo kwi-akhawunti yakho yomhlala-phantsi ehlawulwa irhafu, awuyi kusebenzisa inzuzo yexabiso lentlawulo yexabiso eliphantsi eliphantsi. Ngenye imini xa uhoxisa i-akhawunti yomhlala-phantsi, yonke into ephuma iya kuhlawulwa irhafu ngendlela efanayo.
Ukugcina iirhafu ngokuphantsi kunokwenzeka ukuba ungasebenzisa into ebizwa ngokuthi "indawo ye-asethi". Le yinkqubo yokwenza isigqibo malunga nokuhlawula irhafu ngokufanelekileyo ngokufumana iiklasi ezithile zee-asethi kwi-taxer-backerred (njenge-IRAs kunye no-401 (k), ii-akhawunti zeRoth, kunye ne-akhawunti ehlawulweyo (i-akhawunti kunye ne-akhawunti ye-fund). kulungelelanisa iiferensi zomhlala-phantsi ezikhethiweyo zerhafu, kunye neenkcukacha zeempahla zee-akhawunti zokungabikho komhlalaphantsi.