Funda indlela yokusebenzisa ukuphambuka okuqhelekileyo kunye ne-Mutual Funds
Inkcazo yokuPhambuka kweMilinganiselo - iMigual Funds
Ukuphambuka okusemgangathweni kwinqanaba lokubala elibonisa ukuba kunjani ukuhluka okuvela kwi-arithmetic (intsingiselo elula).
Abatyalomali bachaza ukuphambuka okuqhelekileyo njengoko ukunyanzeliswa kweengxowa-mali zexesha elidlulileyo.
Ngendlela elula, ukuphambuka okusemgangathweni okuphezulu kubonisa ukunganyaniseki okuphezulu, oku kuthetha ukuba ukusebenza komxhaso wenkxaso-mali kuguquguquke phezulu ngaphezu komyinge kodwa kubaluleke kakhulu ngaphantsi kwayo. Ngoko ke abatyali-mali abaninzi basebenzisa imigaqo yokungahambisani nokuchithwa okuqhelekileyo.
Umzekelo wokuPhambuka oMgangatho kunye neeMali eziManyeneyo
Ukuba i-XYZ yokubambisana kwezimali ibuyele ngokuphindaphindiweyo yonyaka (intetho) ye-8% kunye nokuphambuka okuqhelekileyo kwe-3%, ke umtyalo-mali unokulindela ukubuya kwesi sikhwama sibe phakathi kwe-5% kunye no-11% i-68% yexesha (ukuphambuka komgangatho omnye ukusuka ku-8% -3% kunye no-8% + 3%) kunye phakathi kwe-2% kunye no-14% wama-95% exesha (ukuphambuka kwemiqathango emibini ukusuka kwintetho - 8% - 6% kunye no-8% + 6%) .
Kodwa gcinani engqondweni ukuba ukuphambuka okuqhelekileyo kuyona luncedo xa kuhlaziywa ukusebenza kwangaphambili kwesikhwama esisodwa kunye. Abatyalomali abambe iimali ezidibeneyo abanakho ukuthatha ukuphambukiswa okuqhelekileyo kwipotfoliyo yabo ukwenzela ukubala i-portatility yabo ekulindelekileyo.
Ukuze ufumane ukuphambuka okuqhelekileyo kwipotfothifoliyo yamatyala amaninzi, umtyalo-mali uzakufuna ukuphendula ngokulungelelaniswa kweengxowa-mali, kunye nokuphambuka okuqhelekileyo. Ngamanye amazwi, ukungahambi (ukunyuka okuqhelekileyo) kwipotifoliyo ngumsebenzi wendlela i-fund ngayinye ngayo kwi-portfoliyo ehamba ngayo ngokumalunga nomnye umhlala-mali kwi-portfolio.
Ngaba kufuneka usebenzise ukuphambuka okuqhelekileyo xa uhlalutya i-Mutual Funds?
Ukuphambuka okusemgangathweni kwentsebenziswano yezemali zengxowa-mali kusetshenziselwa abatyali-mali ukuba bazame ukuqikelela uluhlu lweentlawulo zeengxowa-mali ezahlukeneyo. Nangona ubuchule balo ekulinganiseni ukungazinzi kokusebenza kwangaphambili kunokunika isalathisi sexesha elizayo, kwaye ngoko ke kunokunceda umnini-zimali ukukhusela impazamo yokuthenga i-fund efanayo enobudlova, ukungabi nantoni kwesikhwama esisodwa se-joint fund ayikho inkxalabo kwi-portfolio. ukwakhiwa.
Enyanisweni, iimali eziye zadlulayo kwixesha elidlulileyo lingaba luncedo kwezinye iimali kwiipotifoliyo ezikunceda ukulinganisela ukuguqulwa kwengxowa-mali. Ukuba ukubuyela kwexesha elide liphezulu ngokwaneleyo ukulungiselela ukutshintsha kwexesha elifutshane, kwaye umtyalo-mali uyaqonda kwaye uyamkela umngcipheko, iimali ezinokungazinzi zinokubonelela ngenjongo ebalulekileyo.
Nazi iziqhelo kwiimilinganiselo eziphambili zeemali zengxowa-mali: i- Beta , i- R-squared , i- Alpha , i- Sharpe Ratio , iSilinganiselo seNkcitho , kunye neRatio yeNtlawulo yeNtlawulo .