Ukwenza ezi mpazamo zingalimaza iMbuyiselo yakho yeNtengo yeTyali
Ndifuna ukuthatha isikhashana ukujongana nale mpazamo yesihlanu yokutshala imali ukuze ubalekele ebomini bakho. Okona kuncinci, ukuba bakwenza ukuba ucinge ngaphambi kokuba wenze i-capital-earned earned, ndiya kuwujonga kakuhle umsebenzi wam.
Imali ye-Mutual Fund yokutyalo-mali # 1: Ukungahoyi iRatio yoNyaka
Ndiyazi isandla sokuqala sabatyalomali abafaka ngenzondelelo inxalenye yabo yokuhlawula kwipotifoliyo yemali. Kodwa ukuba ubabuza ukuba bahlawula phi inani lokuhlawula imali yenkampani ngokumalunga nemirhumo, isibalo esifakwe kwisixa-mali esibizwa ngokuba yi- joint fund fund , abakwazi ukukuxelela. Oku kubaluleke kakhulu kuwe. Ndakhawuleza ndabhala isicatshulwa esicacisa ukuba iifenimenti ezimbini eziza kuba neefowthifoli enye ziza kubangela amanqanaba ahlukeneyo obutyebi kubalimi-mali abaxhomekeke kumyinge weendleko zomzimba. Njengomgaqo oqhelekileyo, kufuneka ube neengxowa-mali ezifanayo kwi-10% ukuya kwi-20% yezilinganiso zeendleko.
Isizathu sale nto silula. Kuzo zonke i-$ 1 ozichithayo kwiimirhumo zolawulo, unako imali engama-1 engaphantsi kwakho ekusebenziseni lwakho utsalo-mali. Leyo yi-$ 1 engaphantsi kwezabelo zokuvelisa, inzala engenayo, kunye neenzuzo ezinkulu. Ngokuhamba kwexesha, iimali ezincinci ezinokubonakala zinokuthi zibe nefuthe elikhulu kwi-pocketbookbook yakho.
Imali ye-Mutual Fund yokutyalomali yokutyalombela # 2: Ukungahoyi iMithwalo yokuThengiswa
Kwimali-mali yomzi-mali, ukuthengwa kwempahla yinto engafaniyo.
Umthwalo wokuthengisa awukho nto ngaphandle kwekhomishini oya kuhlawula, ngaphandle kwepokothini lakho, kumntu okanye kwisiko elithembele ukuba uthenge i-fund fund! Kukho zonke iintlobo zentengiso yokuthengisa - imithwalo yangaphambili, imithwalo yangemuva, imithwalo elandelwayo ... yoko kutheni ndibhalile Yintoni i-Mutual Fund Sales Sales? .
I-Mutual Fund Investing Mistake # 3: Angazi
Ukuba unayo iimali ezixhamlileyo, kodwa zonke zikho iifowuni, izibophelelo, okanye ezinye i-securities, awunakucinganiswa njengoko ucinga. Namhlanje, ishishini lokuxhaswa kwemali liye lakhula kwinqanaba lokuba kukho imali ephathekayo malunga neseqhinga, kokubili ukulungelelanisa kunye nokugembula, ongayicinga. Kukho neemali ezidibeneyo ezidibeneyo ezikhethiweyo ezahlukileyo ezifana ne-S & P 500 kwi-3-1!
Intlawulo ye-Mutual Fund yokutyalo-mali # 4: Ukungathathi inzuzo yeeNkcazo zokwabiwa kweeMali zeMatual
Iingxowa-mali ezininzi zineengxoxo ezininzi. Esinye isakhiwo esithandwayo siquka amanqanaba ahlukeneyo ezabelo ezinikezela ngeendleko eziphantsi kunye nezona zincinci. Kuluphi iCandelo lokwabelana ngeNgxowa-mali? , Ndacacisa indlela enye yezona zimali ezinkulu zehlabathi kwiinkalo ezihlukeneyo ezihamba ngokunyuka kwezona zigidi ezingama-200.
Nanini na xa ufanelekela iklasi yesabelo esiphezulu, kunokuhlawula (ngokoqobo) ukujonga ukuguqula iibamba zakho kuyo.
Imali ye-Mutual Fund yokutyalo-mali # 5: Ukungafundanga i-Mutual Fund Prospectus
Ngaphambi kokuqwalasela ukutshala imali kwi-fund, kufuneka ufunde i- prospectus . Olu xwebhu lomthetho olukhethekileyo luchaza isicwangciso sokutyalomali inkampani yolawulo lwengxowa-mali iya kusebenzisa ukutshala imali yakho, kunye nezinye iinkcukacha ezibalulekileyo.
Fumana ulwazi oluninzi malunga ne-Mutual Fund Investing
Ukuba unomdla wokufumana ulwazi olungakumbi ngale sihloko sokutshala imali, funda i-hub ekhethekileyo endiyibekayo ukuze uyibize isiKhokelo soQeqesho soQeqesho sokuTyala imali kwiMual Funds . Ukusebenza ngendlela yakho ngokulandelelana kufuneka unike isiseko esihle sesiseko.