I-Best Schwab Funds kunye nendlela yokuTyala ngayo
Awuyi kudideka noCharles M. Schwab (umbane wezinyithi kunye nomzekelo wokuphumelela osetyenziswayo kwincwadi eyaziwayo yeDale Carnegie ka-1936, Indlela yokuphumelela abahlobo kunye nefuthe labantu ).
UShawa uphakathi koovulindlela be-do-yourself-self-investment community kunye nenqaku lakhe leenkonzo zokuthengiswa kweendleko ezincinci kunye nokukhethwa ngokubanzi kweemali ezihlanganyelweyo .
Ebizwa emva komsunguli wayo, uCharles Schwab Corporation yinkampani yokuthengisa isaphulelo sokunikezela ngemali kunye kunye neenkonzo zemali kubarhwebi ngabanye. Eyasungulwa ngo-1971 phantsi kwegama lokuQala iNkulumbuso, uShawab waqala ukunikezela ngeenkonzo zokuthengisa ngemali kwisaphulelo ngo-1975. Ngaphambi kwelo xesha, ukutshala imali kwimarike yemasheya kwakubhekwa njengowomntu ocebileyo.
Kodwa yiziphi iimali ezingcono kakhulu zeCharles Schwab kwaye unokuba njani umtyalo-mali angakha iphothifoliyo kunye nabo? Ufike kwindawo efanelekileyo yokuphendula!
Qala ngeSakhiwo esihle sePortfolio
Ngaphambi kokuba sikhethe iimali ezifanelekileyo zeSuwab ukuba zisetyenziswe kwipotfoliyo yethu, siza kuhlaziya isakhiwo sephothifoliyo esilula kodwa esisebenza kakuhle, esibizwa ngokuba sisiseko kunye nesathelayithi , esafana nje: kuya kubonakala ngathi: Iphothifoliyo yakhiwe "kwindawo yokubamba," isikhombi-sikhokelo esikhulu samashishini, kunye neengxowa-mali ezinkulu, kunye nezinye iintlobo zemali-"ii-satellites holdings" -iyo yonke into eyenziwa ngamacandelo amancinci kwipotfoliyo yokugqiba yonke.
Ama-satellites ngokuqhelekileyo aneemali ezivela kwiindidi ezahlukahlukeneyo, ezifana nesitoko samazwe angaphandle, i-stock-cap stock, i-bond bond, kunye namaxesha athile.
Injongo ephambili yale mveliso yesikhundla sikhothi kukunciphisa umngcipheko ngokusebenzisa ulwahlulo (ukubeka amaqanda kwiibhasikiti ezahlukeneyo) ngelixa uphumelela ukubuyiswa okufanelekileyo ukuhlangabezana neenjongo zexesha elide lotyalomali.
Isampula sePortfolio yeCharles Schwab Funds
Ngoku ukuba sinezixhobo eziphambili ze-portfolio ye-T. Rowe Price imali, sinokukhangela umzekelo onokuba ngumzekelo wokwakha iphothifoliyo yakho:
- I-40% yeSchwab yeS & P 500 Index (SWPPX): Inkcazelo ye-stock cap
- 15% I-Schwab International Core Equity (SICNX): Isitoko samazwe angaphandle
- I-10% iSchwab-Cap-equity Equity (SWSCX): Amasheya amancinane
- 35% Schwab GNMA (SWGSX): Iibhondi zexesha eliphakathi likaRhulumente
Lo mxube othile we-Schwab imali ngumzekelo wesikhundla-mali esilinganiselweyo , esilungele umtyalo-mali kunye nokunyamezela okuphakathi (okungenani) kunye nexesha elingaphezulu kweminyaka emi-5. Abatyalomali abancinane banamkelekile ukwamukela ixesha lokunciphisa ukunyuka kweemarike (ukuphakama kunye nokuhla kwexabiso le-akhawunti) ngokutshintshela ukuba kunokwenzeka ukuba ufumane imbuyekezo ukuba ukuphuma kwexabiso lokungena kwempahla ngumgama osemazantsi. Ulwabiwo-mali lolwabiwo lwe-asethi lungama-65% esitokisini kunye nezibophelelo ezingama-35%.
Ukusetyenziswa kwemali yecandelo kuyakhethwa. Schwab akanalo ukhetho oluqinileyo lwemali yecandelo, yingakho bekungabandakanywa kule posifoliyo. Ukuba umtyalomali ukhetha ukongeza amacandelo, kufuneka aqiniseke ukuba ulwabiwo-mali malunga nese-5% kwicandelo ngalinye kwaye uzama ukungadluli inani eli-15% elikwabiwo (kumbe u-5% wabelwe iimali ezintathu zeecandelo).
Ungabona kwakhona ukuba le potifoliyo ineemali ezine kuphela. Ezi mali ezine zihlukeneyo ngokubanzi ukuba akukho mfuneko yokufumana imali engaphezulu kwiipotifoliyo. Ngokuqhelekileyo yinto efanelekileyo yokufumana ubuncinane iimali ezintathu kodwa zingabi ngaphezu kwe sixhenxe okanye ezisibhozo kwipotfoliyo enye.
Okukwintsusa
I-Schwab Funds inokuba yinto efanelekileyo kakhulu yokuthenga ivenkile yezona zinto zilungele ukuthenga iimali eziziimali ezizodwa zokuthenga i-$ 100 kuphela . Kungakhathaliseki ukuba yiyiphi i-Schwab imali oyikhethayo, qi niqiniseke ukuba usebenzisa umxube ohlukeneyo weentlobo zeengxowa-mali kunye nokulandela ezi khokelo ngokuhlalutya imali .
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.