Fumana iiNgxowa ezilungileyo kakhulu ngokususa okubi kakhulu: Nantsi into ekumele uyigweme !
Njengokuba kukho nawuphi na umbhali olungileyo oluhlu olufana nololu hlobo, ngaphambi kokuba ndibone uluhlu lwangempela , ndiza kuqalisa inkcazo ngeendlela zam zokuqala zokukhetha i-10 ephezulu. zabo iipotifoliyo, ziqhelisa imali ezimbi kakhulu .
Qaphela: Andicebisi ukunqumla eli candelo, kodwa ukuba ungenayo imizuzu embalwa eyongezelelweyo, ungayilandela le nxu luhlu lwam uluhlu lwe-Top 10 Best Mutual Funds.
Nazi iindidi kunye neempawu zeemali endizikhawuleza ngokukhawuleza kwiluhlu:
- Ungayisebenzisi Iimali zeMithwalo: Imithwalo ye- Mutual fund iyimishini okanye iifizi ezihlawulwe kubathengi ngokuthenga (umthwalo wokugqibela-phambili) okanye ukuthengiswa (i-back-end load) izabelo zemali. Isizathu esisodwa (kwaye asikho isizathu esilungileyo) ukuthenga i-fund eyodwa kunye nomthwalo kukuba ufuna ukusebenzisa umcebisi okanye umthengisi ohlawulwa ngamakhomishina ukukunika iingcebiso. Kodwa kukho imali eninzi engabikhoyo-mthwalo yokukhetha kuyo yonke indawo kunye nodidi olufanelekileyo lwabacebisi-mali-mali abahlawulwa ngamakhomishini; bahlawulwa kuphela nguwe; Basebenzisa kuphela imali engcono yokungalayithwanga kunye neemali ezikhutshwe ngumthwalo . Ngoko ke, imali ehlawula umthwalo ayiyi kuyenza uludwe lwam oluphezulu.
- Ukubukela Imali Efihliweyo: Ukuba ubeka ingqalelo ngokukhawuleza, unokulahleka ngokulula (kwaye ngoko uhlawule) iindleko ezingadingekile. Iimali ezifihlakeleyo zifihliweyo zi-12b-1 zemirhumo, ezijoliswe ekugqibeleni iindleko zokulawulwa kwemali ezifana nezindleko zokuthengisa kunye neenkonzo. Imirhumo inokuphakama njenge-1.00%, okwaneleyo ukubiza amawaka eedola ngaphaya kwexesha! Akukho uluhlu oluphezulu lwama-10 lwemali efanelekileyo ekufunyenweyo ukupapashwa luya kubandakanya imali ngeemali ezi-12b-1.
- Gwema iiRatios eziPhakamileyo eziNinzi: Kholwa okanye cha, ezinye iimali zithwele iindleko eziphantsi kwaye ezinye iimali ezingenayo imithwalo ephezulu. Kungakhathaliseki ukuba uhlobo lweengxowa-mali okanye ubukho bomthwalo, kufuneka uchithe iimali ezingaphezulu kweendleko zenani eliqhelekileyo, eziziindleko zokulawula i-fund. Nazi ezinye iirhafu eziqhelekileyo:
I-Cap-Capital Stock Fund: 1.25%
Phakathi kwe-Cap Stock Funds: 1.35%
I-Small-Cap Stock Fund: 1.40%
Iimali zeeNgxowa-mali zangaphandle: 1.50%
Iikholeji ze-S & P 500 Iikholeji: 0.15%
Iimali zeBond: 0.90%
- Ingqalelo Imbali emfutshane yokuSebenza: Oku kufuneka kube yi-no-brainer. Ukusebenza kwexesha elifutshane , into endiyichaza ngayo engaphantsi kweminyaka engama-3, ayiniki naliphi na uphawu lokumgangatho we-fund. Sonke siyazi ukuba ukusebenza kwangaphambili akukho isiqinisekiso semiphumo yesikhathi esizayo kodwa ukuba umhla wokuqalisa kweengxowa unyaka omnye okanye emibini edlulileyo, awuyi kuba neembali ezaneleyo zokwenza isigqibo malunga nokuthenga i-fund. Ngokomzekelo, ukuba ingxowa-mali inomlando weminyaka emi-2 kwaye iminyaka emibini edluleyo yinto yokuthengisa imveliso , akukho nto ibonisa ukuba loo mali ingayenza njani kwimarike yeebhere . Nangona kunjalo, imigangatho yam uluhlu lwam ophezulu luphezulu: Ndiyichitha yonke imali ngemali engaphantsi kweminyaka eyi-10 yokusebenza. Ingqiqo apha kukuba umjikelo oqhelekileyo wokuthengiswa kwemali (ixesha elibandakanya zombini inkampani yeenkomo kunye neebhere yeebhere) yiminyaka emi-5 ukuya kweyesi-7. Kukhethwa ngakumbi ukuba ne-fund ngeyona ndlela ibhetele ngayo ukusebenza iminyaka engama-10 kunengxowa ngemisebenzi emihle engama-5.
- Musa ukuthenga iiNgxowa-mali ezilawulwayo kunye neMphathi omfutshane wokuQinisekisa: Ukuqiqa kule mfanelo engalunganga kufana nembali emfutshane yomsebenzi. Ukuba ufumana i-fund ekhangeleka kakuhle kuyo yonke indlela kodwa umphathi wezikhwama usuke ekhokhwe kwiinyanga ezili-6, awunaso isibonakaliso sokuba umphathi uya kuqhubeka ngendlela efanayo nomphathi wangaphambili. Ngoko ke imali engcono kakhulu, ingakumbi imali elawulwa ngokufanelekileyo , iya kuba nexesha elide lokuphatha umphathi , ngokugqithiseleyo ngaphezu kweminyaka emihlanu.
- Iintlobo zeNgxowa-mali ezingaphandle kweeNgxowa-mali azifanelekanga okanye ziyimfuneko kubaninzi abatyalo-mali: uludwe lwam aluyi kufaka nayiphi na imali engafanelekanga kuluntu-mali jikelele. Ngokomzekelo, uluhlu oluphezulu lwe-10 aluyi kubandakanywa imali yemarike yeebhere okanye i- hedge funds .
- Musa ukuhlawula i-Diversification ephosakeleyo: Kule nqobo imigaqo, ndiyathetha uluhlu (okanye iphothifoliyo ngeenjongo zakho), kungekhona imali ngokwayo. Uluhlu lwam oluphezulu lwe-10 lwemali engcono kakhulu, njengefolthifoliyo eyakhelwe kakuhle, ifaka iindidi ezahlukeneyo zeemali kwiinkalo ezininzi zeengxowa-mali , kungekhona nje iifowuni ezimbalwa.
- I-Index enkulu ye-Stock Index - I-Vanguard 500 Index (VFINX): Le ngxowa isendaweni ephezulu ngenxa yeempawu zayo ezingapheliyo. Iineendleko eziphantsi kwaye zilawulwa ngokungathandabuzekiyo, ezenza ukuba kubekho ukukhetha okugqithiseleyo kubambelelo oluphambili malunga naliphi na iphothifoliyo yokutshala imali. Ukuba yonke imenenja yezikhwama izama ukubetha isalathisi, kutheni ungayifuni nje isalathisi? Yiloo nto umsunguli weVanguard uJack Bogle wayecinga malunga neminyaka engama-50 edlulileyo xa waqala le nkampani yenkcazo yemali yenkcazo. Qaphela ukuba ulandelelanisa abalandeli: Uninzi lweemali eziphezulu eziphezulu ezilishumi eziphezulu zilawulwa ngamandla.
- I-Stock ephezulu kakhulu, i-Active-Managed - Inkampani yokuKhuthazwa kweTrust (FDGRX): Kukho imali encinci yeemali ezinkulu ze-stock equity US equity form ngaphandle kwe-FDGRX kodwa akukho namnye unayo irekhodi esebenzayo yokusebenza, kunye neendleko eziphantsi, kunye umphathi wexesha elide. Njengoko lo mbhalo, uSteve Wymer uphathe i-FDGRX iminyaka engaphezu kwe-17, inqanaba lokusebenza eliyiminyaka eli-1, iminyaka emithathu ubudala, iminyaka emi-5 ubudala, iminyaka eli-10 ubudala kunye neminyaka eyi-15 yonke ingcono (ngaphantsi) kune-10 ye-percentile, kwaye Umyinge weendleko ngu-0.83% kuphela.
- IFund International Stock Fund - iDodge & Cox International Stock (iDODFX) ijikeleze ukususela ngo-2001 kwaye iqela lolawulo liye lahlala endaweni engaphezu kweminyaka eyi-10. Ngethuba lolo lugqithiso, baye baqhubeka benza ngaphezulu kwe-90% okanye ngaphezulu kweemali kwididi yabo yesitokhwe esikhulu samanye amazwe .
- I-Equity Mid cap-cap Grow Fund (RPMGX) ilawulwa nguBrian Berghuis iminyaka engama-22, njengale ngxelo ngo-2014. Ukusebenza kunaphezulu kwama-96% eemali zokukhula kwesikhokelo seminyaka eyi-10. ubuya kwaye ihlaziya i-80% kwiminyaka eyi-15 ebuya. Nangona kunjalo, usenokungabikho kwamashishini okuthenga inhlanhla kuba ngoku ivalwe kubatyalomali abatsha. Kuthemba, kuya kuvulela abatsha-mali abatsha ngokukhawuleza, ngoko qi ni sekise ukuba ukhangele, ukuba ufuna i-fund ye-middle-cap fund.
- IFundrity-cap-Cap Discovery (FSCRX) iphinde ivalwe kubatshali- mali abatsha kodwa bubungqina bomphathi omhle. Indawo yokubuyiselwa kweminyaka eyi-10 ngonyaka phambi kwee-99% zeemali-mali ezincinci kwisigaba sayo. U-2014 uye waba yinto encane yokubuyisela ekusebenzeni kodwa iminyaka engama-3 kunye neminyaka emi-5 yokusebenza ye-FSCRX phambi kwe-90% yeentanga zontanga.
- I-Best Bond Index Fund - i-Vanguard Total Bond Index (VBMFX) ifumana ihlonipho apha ngenxa yexabiso layo eliphantsi kweendleko ze-0.20% kunye nokugqithiswa kwayo ngokubanzi kunye neyohlukeneyo kwi- Index ye-Capital Aggregate Bond Index , emele i-bond ye-16,000!
- I-Fund yaseBondon yeBond ye-Multi-Sector-Bond (LSBRX) , elawulwa iminyaka engaphezu kwe-20 ngumgca we-bond, uDan Fuss , ixabisa i-91% yazo zonke ezinye iimali kwiqela lezintlu zamabhondi kwiminyaka eyi-15 yokubuya, 8.46% njengaloo mbhalo ngo-2014. Masiqaphele ukuba iintlawulo ezinjengeempahla ziza kunobungozi obuninzi ngaphezu kwekhredithi ye-bond bond kuba iyakwazi ukubamba izibophelelo zamanye amazwe kunye nezibopho ezingenanto.
- Ikomkhulu leNgcaciso yeCandelo le-Aset Class - I-Tocqueville Gold (TGLDX) ihombisa inqanaba lezityalo ezixabisekileyo kwiminyaka eyi-15 yokubuya, ngokubetha i-99% yohlu lontanga . Ezinye iikholeji zeengxowa-mali ziquka iinkonzo zempilo kunye nezitshixo zamandla kodwa akukho mali kwili qela kunye nexesha elide lomphathi. Gcina ukhumbule ukuba igolide ingaba yinto elungileyo yezohlukeneyo kodwa ayikhuthazwa kubaqalayo. Umsebenzi omde phakathi kweqela lolawulo lweTGLDX uneminyaka eyi-16.
- INgxowa-mali elungelelanisiweyo - iDodge & Cox Balanced (DODBX) : ilawulwa liqela, elinomyinge ophakathi kweminyaka engama-15 kunye nobude obude ngaphezu kweminyaka engama-30. I-DODBX isabelo esilinganiselweyo sesibhonkco kunye nekheshi. Le ngxowa-mali enokulinganisela ibetha i-97% yoluhlu lwabahlobo abaneminyaka engama-15 ngonyaka, i-86% yokusebenza kweminyaka eyi-10 kwaye iphuma kuma-99% eemali ezilinganisiweyo-allocaiton zeminyaka eyi-1, iminyaka emi-3 kunye neminyaka emi-5 ebuya. Ukuba ufanele ukhethe isikhwama esinye seminyaka eyi-15 ngelixa uhlala kwisiqithi esinqatyisiweyo, i-Dodge & Cox Balanced iya kuba yinto efanelekileyo.
- Umhla oPhambili weThagethi yeeNgxowa-mali-mali-i-Vanguard Target Retirement Funds: Iimali zokuthatha umhlala-phantsi ekujoliswe kuzo ekuthelekeni kumvuzo awukwazi ukukhawulelwa kwikhredithi enye okanye umhla wokuthatha umhlalaphantsi. Ndinika le ntlonelo kwi- Vanguard Investments ngenxa yokukhethwa kwazo kweendleko eziphantsi, ezahlukahlukeneyo. I-T. Rowe Ixabiso lifanelwe ukukhululwa ngokuhlonipha ngenxa yokusebenza kwabo okuvelele kulolu hlobo. Nangona kunjalo, ukhetho lukaVanguard lwenziwa ngemali yenkcazo kwaye bavame ukuba yinto engqongqo ngakumbi kunomnikelo kaT. Rowe.
Uluhlu oluphezulu olu-10 lwagqitywa ngokutsha ngo-Apreli ka-2015.
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.