Bona iNani elithengiweyo lokuThengwa kweMali eNgqungquthela
Imali echanekileyo yokuthenga ubuncinci bokuqala iya kuxhomekeka ngokukodwa kwiinkampani zentengiso.
I-Minimum Initial Purchase ye-Mutual Funds yaphulwa phantsi kwiNkampani ye-Mutual Fund
Nazi izixa oza kuyimfuneko ukutyalomali xa uqala ukuthenga izabelo zeemali ezixhamlayo ezivela kulezi nkampani ezingenasiphelo zenkxaso-mali :
- IiNgxowa zeVanguard : $ 3,000
- Imali Yokwethembeka : $ 2,500
- I-T. Rowe Iimali zexabiso : $ 2,500
- Iikharityhulam zikaCharles Schwab : $ 100
Gcina ukhumbule ukuba ubuncinane ubuncinane bokuba kuthengwa kokuqala kwiimali ezininzi ezinikezelwa yinkampani yokuxhaswa ngemali xa umtyalomali ethenga kwi-akhawunti nganye. Ukuthenga okulandelelanayo kunokuba kufana ne-$ 100 okanye ngaphantsi. Kwakhona, ezinye iinkampani zeenkxaso zamkela ubuncinci bezantsi ukuba utyalo kwi-IRA okanye 401 (k) icebo okanye xa umntu ebeka isicwangciso sotyalo-mali .
Ngoko ke, xa usenza ukuthenga kwakho kokuqala, awuyi kuvela kunye namakhulu okanye amawaka ngaphezulu ngaphambi kokuthenga izabelo ezininzi ze-fund efanayo. Ukuba ufuna ukufikelela kwiimali ezidibeneyo kunye nokuthengwa okunye, unokucinga ukuba uthengisa "i- fund yezimali ," leyo yingxowa-mali eyabelanayo kwezinye iimali.
Oku kunokwenza ulwahlulo kwaye kukugcine ekwakheni imali eninzi ukuhlangabezana nemigangatho emininzi kwimali eninzi evela kwiinkampani ezifana neVanguard kunye ne-Fidelity.
Qaphela kwakhona: Indlela yokuTyala nge-One Fund kuphela
Iinkampani ze-Mutual fund nazo zineeklasi zentsebenzo ezithengisa ukuthenga okuphezulu, ezifana ne-Vanguard's Admiral Shares, ezidla ngokuba yi-$ 10,000 ekuthengeni kokuqala.
Ezi zabelo zihlala zinexabiso elincinci leendleko , ezinokunika umda omncinci wokusebenza kwixesha elide lokubamba.
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.