Inkqubo Yilula kwaye Usebenza ngokuthe ngqo neFund
Inqaku lomhleli: lelinye iqela kwinqaku lamanqaku ekhangelelanisa imali kunye kunye nendima yabo ekutyalweni.
Abatyalomali abasetyenziselwa ukuthenga izitokethi ngabanye bangafumana utyalo-mali kwiimali zentsebenziswano. Kwiimeko ezininzi, iimali zentengiso zithengiswa kwaye zithengiswa ngokwahlukileyo kunamasheya.
Ukuze siqonde inkqubo engcono, makhe siqale ngokusetyenziswa kweemali eziphathekayo.
Iimpahla zodwa zihlaziywa rhoqo ngeeyure zokurhweba ngokubhekiselele kumbane kunye neempembelelo zamanani.
Xa uthengela isitokisi, uya kuba ngumnikazi wenkampani.
Xa uthengela kwi-fund efanayo uthengisa inzala ethile kwiqoqo lezinto eziqhelekileyo (ngokuqhelekileyo izitokisi, iibhondi, kunye neziphumo.
Xa uthengela kwingxowa-mali yomzimba uthengisa inzala ekhethekileyo kwiqoqo lezinto (ngokuqhelekileyo amasheya, amabhondi, kunye neziphumo.
Iimpahla zodwa zihlaziywa rhoqo ngeeyure zokurhweba ngokubhekiselele kumbane kunye neempembelelo zamanani. Xa uthengela isitokisi, uya kuba ngumnikazi wenkampani. Xa uthengela kwingxowa-mali yomzimba uthengisa inzala ethile kwiqoqo lezinto (ngokuqhelekileyo iitoksi, iibhondi kunye neziphumo.
Ixabiso lentengo
Iimpahla zodwa zihlaziywa rhoqo ngeeyure zokurhweba ngokubhekiselele kumbane kunye neempembelelo zamanani. Xa uthengela isitokisi, uya kuba ngumnikazi wenkampani.
Xa uthengela kwingxowa-mali yomzimba uthengisa inzala ekhethekileyo kwiqoqo lezinto (ngokuqhelekileyo amasheya, amabhondi, kunye neziphumo.
Iimali zengxowa-mali zithengwa ngokuthe ngqo kwii-stocks. Iintlawulo ezininzi zengxowa-mali ngokubanzi njengezabelo ezifana nabantu abafuna ukuzithengela, ngelixa inani elingaphelanga lezabelo ze-stock zikhoyo.
Ezi mali zibizwa ngokuba yimali evulekileyo yokubambisana. Ngokomzekelo, ukuba i-fund ikhuphe izabelo ezizigidi ezi-2 kwaye inezigidi ezingama-30 kwiimpahla, isabelo ngasinye sithengwa kwi-15 yesabelo ngasinye. Kuzo zonke i-$ 15 ezongezelelweyo ezityalomali, ixabiso le-mali likhuphuka ngaloo mali kwaye ixabiso lentengo lihlala li-$ 15 ngenxa yokuba i-fund ibeka izabelo ezintsha kwixabiso langoku (i-$ 15). Le xabiso icatshulwe kwiphephandaba nakwi-intanethi kwaye yaziwa njengexabiso lentengo yexabiso.
Ixabiso lexabiso lexabiso lemali lixabiso lemihla ngemihla yentlawulo ehlangeneyo equka yonke impahla ephantsi kweemali zesikhwama ziguqulelwe kwixabiso lentengo nganye. Le yintengo oyithengayo kwaye uthengise izabelo zengxowa-mali xa ujongana ngqo nenkampani.
Ukubala kwexabiso lexabiso lempahla elincinci kunzima kakhulu kunalo mzekelo olula kuba i-fund ayikho nje ukuthengisa amasheya-kukuthenga nokuthengisa amasheya kunye / okanye iibhondi, ukwenza kunye nokuthengisa ezinye iimali-mali kunye nokuhlawulela izabelo zabathengi abafuna ukuthengisa.
Ukongeza, ixabiso lemarike yebhanki yebhanki iguqula imihla ngemihla kwaye kufuneka ibuyiswe kwakhona xa imarike yemasheya ivala kwaye zonke iimali zebhanki zinenani elivaliweyo. Nantsi ifomula elula ebonisa ukubala kwexabiso lentengo yexabiso:
Ukuqala kwexabiso lemali yeempahla
[plus]
Naliphina utyalo-mali olutsha
[plus]
Ukwahlula, inzala, inzuzo eyinkunzi [plus]
Naliphi na inzuzo kwixabiso okanye ixabiso lempahla yeemali
[minus]
Naluphina ukwehla kwintengo okanye ixabiso lempahla yeemali
[minus]
Nawaphi na amasheya athengwe kubatyalomali (ipahla ezithengisiwe okanye imali iyancipha)
[minus]
Ukwahlula, inzala okanye inzuzo eyimali ehlawulwa kubanikazi abanini-mali
[minus]
Iindleko zeFund
[lingana]
Ixabiso leMpahla eNtsha
Ukuba ufuna ukuthenga okanye ukuthengisa amasheya esikhwama ngemini, le yintlawulo oza kuhlawula okanye ukufumana. Le ngxowa-mali iyayibala yonke imihla emva kweemarike ezikufutshane.
Olunye uhlobo lwengxowa-mali ebizwa ngokuba yi-fund-closed end fund isebenza ngokuhlukileyo. Ingxowa-mali yokugqibela yokugqibela ikhupha inani elithile elilinganayo lezabelo. Ezi zabelo zithengiswa kwisitokhwe sotshintsho njengesiqhelo esifanayo seenkampani. Ngenxa yokuba iimali ezivaliweyo zithengiswa ngezorhwebo kwiimarike ezivulekileyo, intengo yabo yesabelo ichongwa ngokubonelelwa kunye nokufunwa.
Nangona iimali zokubambisana eziphelileyo zine-NAV, banokurhweba ngaphezulu okanye ngaphantsi kweli xabiso ngokusekelwe ekubeni ngaba abatyali-mali bayathemba kwikamva lekamva okanye cha. Kukho iimali ezininzi ezivulekileyo ezivulekileyo kuneemali ezivaliweyo.
Uya kukwazi ukuba uthengisa isikhwama sokuvalwa ngenxa yokuba kufuneka kuthengwe nge-stockbroker kwaye ungabukela utshintsho lwamanani emini.
Ngokungafani nesikhwama sokubambisana, uya kugula okanye uthengise isikhwama sokuvala ekupheleni xa iimarike zivulekile.
Ukuthenga nokuthengisa i-Mutual Funds
Enye yeenzuzo zokutyalomali kwiimali eziziimali kunye nokuthengwa kwazo, oku kuthetha ukuba ungathengisa izabelo zakho okanye uthenge ngaphezulu ngokulula. Uninzi lwemali lwenza utyalo-mali lube lula, kunye ncinane ubuncinane beemaphepha kunye neendlela ezininzi zokuhlawula.
Izabelo ze-Mutual fund zithengwa kwi-fund kunye kwaye zithengiswa kwi-fund. Ngaphandle kwezi meko apho umthengisi okanye i-agent yomthengisi ebandakanyekayo, phantse uhlala uhamba ngqo ngqo ne-fund.
Iimali zengxowa-mali azixhatshazwa ngokutshintshwa kwezahlulo zezahlulo. Ngokungafani nesitokisi esifanayo, uthengisa iimali eziziimali kwiimali zeedola kwaye i-fund iguqula utsalo-mali lwakho kwinani elichanekileyo lamashishini asekelwe kwi-NAV ngexesha lotyalo-mali lwakho, nangona oko kukhokelela kwizabelo ezingalinganiyo zezabelo.
Uninzi lweenkampani ezinkulu zeengxowa-mali zigcina ii-intanethi ezininzi kunye neefowuni zeenkonzo zabathengi ukuphendula imibuzo kunye nenkqubo yokuthenga nokuhlengwa.