Ukungasebenzi
Oku kuyona nto ibonakalayo, kodwa kuyamangalisa ukuba abantu baza kubambelela nini ixesha elide lokuqhuba imali. Eminye yemali ebenzileyo kakhulu inamakhulu angamawaka ezigidi zeedola kwiimpahla. Oku kubi, kuba kukho iindlela ezininzi phakathi kweemali zombini kunye kunye neengxowa -mali ezithengiswayo (ETFs). Hlalani nijonge indlela i-fund yakho eyenziwa ngayo ngokubhekiselele kwisiboniso sayo (i-index it tracks) kunye nemali kwiqela labanontanga. Ukuba i-fund ilahlekile rhoqo kwixesha elide leminyaka emithathu okanye ngaphezulu, thengisa kwaye iqhube phambili.
Umsebenzi omkhulu
Le yinto engabonakaliyo. Kutheni ucinga ukuthengisa i-fund yekhonkco ehambisa imali ehlawulwayo? Isizathu kukuba kungathatha ingozi enkulu, okanye ingagxininiswa kwiklasi enye ye-asethi engasetyenziselwa ukulungiswa emva kokusebenza kakuhle ixesha elide. Nangona umphathi angatshintshela iphothifoliyo ngokuthengisa abaphumeleleyo nokuvuselela kwenye indawo, ukungaphumeleli okukhulu kukubonakalisa ukuba kufuneka ukhangele ngakumbi kwi-fund ukufumanisa indlela ekuveleni ngayo amanani amakhulu.
Xa iinjongo zakho ziguquka
Ezinye iiklasi ze-asethi zithwala umngcipheko ophezulu kwaye zifaneleke kuphela kwixesha elide elide. Ngokomzekelo, izibophelelo eziphezulu zezivuno ziya kuba zifanelekileyo kwiakhawunti yokulondoloza ikholeji ukuba awuyidingi imali enye iminyaka elishumi. Nangona kunjalo, xa ufikelela kwindawo ekukholeji kuyo, umzekelo, kuphela ngonyaka okanye ezimbini, izibophelelo eziphezulu ezivunyiweyo ziyingozi kakhulu ngaloo njongo.
Ngamafutshane, akukho nto iphosakeleyo ngokuthengisa i-fund yebhondi xa engasayifanelekele iinjongo zakho.
Kukho iNgxowa-mali efanayo okanye i-ETF ngeeMali ezantsi
Ingaba uza kuhlawula i-$ 5 kwi-gallon yobisi xa isitolo esilandelayo sithengisa i-$ 3.50? Akunjalongo noko. Kodwa abantu baya kuhlala behlawula imali ephakamileyo yeemali eziqhelekileyo zinezinye iindlela ezithe zafana noko kodwa zibiza kakhulu. Emva kwexesha, oku kungongeza . Umba weendleko ubaluleke kakhulu xa kuziwa kwiinkcukacha zenkcazo. Thatha ixesha lokubona ukuba ingxowa-mali yakho ikuhlawula phi, kwaye ukuba unokwenza ngcono, cinga ukwenza utshintsho.
Ishintsho seSikhwama seFund
Kukho izizathu ezininzi zokuba isicwangciso se-fund siya kutshintsha: umphathi omtsha, ukutshintshwa kwenkampani yenkxaso-mali, kwaye ngamanye amaxesha ukongezwa kwesicwangciso esitsha esikhwameni esele sikhona (ngokuqhelekileyo kuhambisane namagama afana ne-"Enhanced" okanye "Plus" ngokubonakala ngokukhawuleza. kwigama le-fund). Xa kwenzeka, le ngxowa-mali ayikwazi ukunika uhlobo lweprofayili yokubuyisela umngcipheko oye ulindelayo, kwaye irekhodi yalo yokusebenza kwangaphambili yinto engaphantsi kwimiqondiso yeziphumo ezizayo kunokuba ziqheleke. Xa isicwangciso seengxowa-mali sitshintshwa, qiniseka ukuba uyifake kwisithuba esifutshane kwaye ugcine isohlo ngenyameko kwiziphumo zentsebenzo ezinokuthi zihluke kwizinto ozibonayo ngaphambili.
Enye yokugqibela ingcamango: phambi kokuba uthengise i-fund, thabathe ingqalelo kwerhafu . Ukuba ubambe i-akhawunti kwingxowa-ntlawulo ehlawulwayo, uya kuba noxanduva lokufumana nayiphi na imali eyinzuzo. Ngoxa le nto ayinayo inkxalabo malunga neengxowa-mali njengemali yesitokethi, qiniseka ukuba ukhangele kwiimfanelo zakho zerhafu ngaphambi kokuba wenze nayiphi na isigqibo sotyalo-mali.
Ukuziphendulela : Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lithathwe njengengcebiso-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso. Soloko uthetha nomcebisi wezezimali kunye nochwepheshe beerhafu ngaphambi kokuba utyalomise.