Isiseko soTyalo-mali kwiMual Funds
Unako ukuhlala uhamba wedwa kwaye uthenge iimali ezixhamlayo kwi - nkampani ye-joint fund (njenge-Vanguard okanye iT. Rowe Price okanye kwi-firm rekerage (njengeSwawa okanye i-Fidelity).
Unokuze ufune uncedo lomcebisi. Nangona kunjalo, xa ukhetha indlela ofuna ukuyithenga ngayo, uya kucetyiswa ukuba uqwalasele izinto ezinokuthi zichaphazele ukutshala imali - izinto ezifana neentlawulo kunye neendleko , iinkonzo ezinikezelwe kunye nokufumaneka kwemali.
Ukufuna Iingcebiso Zengcali Ukuthenga iMali-mali
Imibuzo eqhelekileyo kubatyalo-mali bayakubuza xa befuna iingcebiso zokuthenga iimali ezidibeneyo ziquka: "Ndiya phi na ukufumana iingcebiso?" Kwaye "Ndiya kuhlawula phi na?" Unokhetho oluninzi. Unokuqesha umcebisi osebenza kwiinkampani zenkampani yokuthengisa ngokugcwele-mali, inkampani yokuthengisa isaphulelo, inkampani ye-fund, ibhanki, umcebisi we-Investment Registered (RIA), okanye inkampani yomshuwalense.
Yenza umsebenzi wakho wasekhaya ngaphambi kokuthenga i-Mutual Funds
Ukuze uqonde iindleko zeengcebiso, uya kufuneka wenze umsebenzi ophantsi wesikolo, ubuze imibuzo kwaye ufuna ukudalulwa okupheleleyo kumcebisi ngamnye. Akukho mfihlelo ukuba xa ufuna isiluleko uza kufuneka uhlawule inkonzo.
Kodwa omnye umbuzo onokubonelela ngokucacileyo xa ukhetha umcebisi kukuba: "Ziziphi iinkonzo endizifumanayo kwimirhumo engiyihlawulayo?" Ngaba umcebisi uhlawulwa nje ukuba enze ukuthengiselana, ngaba uhlawule ukunika iingcebiso ngezolimo okanye yena / unika ucwangciso olubanzi lwemali? Iimpendulo kule mibuzo ziyakunceda ukuba unqume ukuba ngaba umcebisi unelungelo lokubiza.
Iyini Indleko yoMcebisi?
Ukuba ukhetha ukuqesha umcebisi ukuba uthenge iimali zakho zomntu , unokhetho oluninzi malunga nokumhlawula. Kwiimeko ezininzi, umcebisi uya kutyhola indlela ahlawulwa ngayo (kuxhomekeke ekubeni ngaba basebenzela ibhanki, iqumrhu lokuthengisa, uRIA, njl.). Unokulindela ukuba ukhokhe imali yentengiso yokuthenga nganye, uthenge umthengi, umrhumo wokuthengisa umva ngamnye wokuthengisela intengiso okanye intlawulo yolawulo lotyalo-mali lonyaka. Iindleko zentengiso zingaba ziphakamileyo njengama-7% kunye neentlawulo zonyaka zotyalo-mali zisuka kwi -75% ukuya ku-1.50% kwiimpahla phantsi kolawulo. Ukongezelela kwintlawulo yokuthengisa okanye intlawulo yonyaka-mali, uhlawulelo luhlawulwa yinkampani yenkxaso-mali yokulawula i-fund.
Ngaba-Ngaba-Utyalo-mali kwiMual Funds
Ukuba ukhetha ukuhamba yodwa, kubalulekile ukuba uqonde iimirhumo kunye neendleko ozakuhlawulwa yinkampani ye-fund. Akukho mthwalo ayithethi "mahhala." Iindleko kunye neendleko zokusebenza zihlala zihlawulwa yinkampani yenkxaso kwaye kufuneka ziphandwa ngaphambi kokutyalomali.
Ukongeza kwindleko kunye neendleko zokusebenza, ukuba uthengela imali engekho mthwalo, ungakhokhela intlawulo yokuthengiselana nge-broker discount okanye inkampani ye-fund. Ezi ntlawulo ziqala ukusuka kwi-$ 0 ukuya kwi-$ 75 ngokuxhomekeka kubukhulu bomthengiso kunye nentlawulo ethile yentengiso.
Kwakhona kubalulekile ukuba uqaphele ukuba imali eninzi iya kuhlawula imali yokuhlawulela i-2% xa uthengisa izabelo zakho kwingxowa-mali zingaphantsi kweentsuku ezingama-90 zokuthenga.
Ukuba uzenzayo ngokwakho kwaye ungathanda ukuhamba yedwa kwihlabathi le-fund, akukho nqongopho yezinto ozikhethayo. Kukho iinkampani ezininzi zokunciphisa amaxabiso kunye neenkampani zenkxaso-mali ezinika ithuba lokutshala ngokuthe ngqo kwaye ezininzi zinokufumaneka kwi-intanethi.
Ukuthenga i-Mutual Funds: Isinyathelo esilandelayo
Ngoko, unqume ukunyusa imali kunye kunye neepotfoliyo yakho. Unokuqonda kangcono indawo ekuthengeni ngayo imali kunye kunye nokuba uza kukubiza njani. Kufuneka uqale ukuphanda iimali ngamnye ngokuqonda ngokupheleleyo iintlawulo. Isinyathelo esilandelayo kukuthatha isigqibo sokuba yeyiphi imali ekuthengayo kumxholo wepotfolio yakho yonke.