Ukutshatyalaliswa kweNtsholongwane kunye neNgxowa-mali eziLungeleleneyo

Iingxowa-mali ezinokulinganisela zinganciphisa njani ingozi yeMakethe

Ukuba ufuna ukuthenga iimali ezingcono kwiimarike ezinokuzithengisa, iimali ezinokulinganisela zingaba yinto efanelekileyo yokuqwalasela.

Yaye xa inkampani yenkomo yenkomo iqala ukufumana ukulungiswa, okanye i- market full beart market , ukunyaniseka (ukunyuka kunye nokuhla kwexabiso lokukhusela) kuya kuba yinto echazwe ngakumbi kwaye imali efanelekileyo ikwazi ukuguqula imida ekunciphiseni ukungazinzi.

Kodwa ziziphi iimali ezilinganisiweyo kunye nokuba zinceda njani abatyali-mali ukuba banciphise umngcipheko wemarike kwaye bahlale bezingcipheko?

Iingxowa-mali eziPhakamileyo

Kwakhona kuthiwa yimali ye-hybrid okanye i-aseset allocation funds, i-funds equals are funds funds that hold a mix of assets under investments, ezifana ne-stocks, bonds, kunye nemali. Ulwabiwo lweefa , okanye "ukulinganisela" kweempahla, luhlala lugqityiwe kwaye lusetyenziswe injongo ekhankanywe okanye isityalo-mali. Ngokomzekelo, i-fund efanelekileyo yokugcina imali ingatyala imali kumxhasi ophantsi (ingozi ephantsi) ephantsi kwexabiso lempahla-mali, njengama-stock% 40, i-bond% 50 kunye ne-10% yemarike yemali.

Iingxowa-mali ezilinganayo ziNciphise njani ingozi yeNtengiso

Iimali ezilinganiselayo zisetyenziselwa ukutshala imali engapheliyo. Xa udibanisa kunye notyalo-mali, uyathenga kwaye ubambe iziqinisekiso zokuziphatha kunye nokuziphatha okungafaniyo kunye neengxelo zengozi. Iindlela ezilungileyo kakhulu zokubandakanya ukubandakanya ukubeka utyalo-mali ezingahambisani kakhulu. Ngamazwi ahlukeneyo, ukwenza umsebenzi omhle wokwakha iipotifoliyo ezahlukileyo zeemali zengxowa-mali , uzakufuna ukudibanisa iintlobo zeengxowa-mali, ezifana nezitokisi kunye nezibophelelo kumzekelo olula, ongenzi ngokufanayo.

Yiyo eyona mali elinganisiweyo kubalimi-mali: babenza bakwazi ukuthenga enye i-fund ekhoyo kakade. Umsebenzi wokwenene ochaphazelekayo kubatyalomali kukuba ukhethe i-fund efanelekileyo-mali enokulinganisela.

Iintlobo zeeNgxowa ezilinganisiweyo

Kukho iintlobo eziphambili zeengxowa-mali ezilinganisiweyo:

1. Iingxowa-mali eziLungelelanisiweyo : Ezi mali ziza kubamba ukulandelelana kwezibambiso, iibhonksi kunye nemali efanelekileyo ukuba abatyali-mali abanomdla - abo abangaziva bakhululekile ngokuguquka okukhulu kwamaxabiso. Ulwabiwo lwee-asethi zeengxowa-mali ezilungeleleneyo zihlala zijikeleze ii-stock% ezingama-35%, i-bond% ezingama-60, kunye ne-5% yemali.
2. Iimali ezilinganisiweyo ezifanelekileyo : Ezi mali zihlala zigcina ibhalansi yamasheya, iibhonksi kunye nemali efanelekileyo kubantu abatyalo-mali abangenakucatshulwa ukuguquguquka kwexabiso kodwa kungabi nanjengengxowa nge-100% eyabelwe kwiimpahla. Ulwabiwo lweefayili oluqhelekileyo kwingxowa-mali elungeleleneyo ngokumalunga nama-stock%, iibhondi ezingama-30% kunye ne-5% yemali.
3. IiNgxowa eziLinganiselayo ezixhasayo : Ezi mali ezilinganisiweyo ziza kuba negalelo eliphezulu kuma-stocks kwaye zifanele ukuba abatyali-mali abakhululekile ukuguquka okukhulu kwixabiso. Nangona kunjalo, ulwabiwo oluncinci kwiibhondi lunganika ukuhlukahluka okubangelwa ukunyuka kwentengo ephantsi kweemakethe zentengiso, njengoko kulinganiswe ngongoma ye-S & P 500. Ingxowa-mali enobudlova ngokuqhelekileyo iya kubelwa ukuba ibe ne-85% yamasheya kunye no-15%.

Abatyalomali kufuneka bahlale bekhumbula ukuba ulwabiwo lweempahla kwiimali ezilinganisiweyo luhlala luhleli. Ngoko ke, akufanele badideke kunye neengxowa-mali zokuthatha umhlala-phantsi , olwabiwo oluguqukayo ngexesha.

Iimali eziLungeleleneyo zokuNciphisa ukunyanzelisa

Ngokubunjwa kwazo, zonke iintlobo zeengxowa-mali ezilinganisiweyo zinganciphisa ukungazinzi, xa kuthelekiswa nesiphothifoliyo esine-100% eyabelwe kwiimpahla. Ngako oko "i-fund efanelekileyo-mali" kunoma yimuphi umtyalomali onikwe umntu uya kuxhomekeka kwiinjongo zokutyalomali-mali kunye nokunyamezela ingozi.

Nangona kunjalo, ngokubanzi, imali ekwazi ukwenza okusemgangathweni kwiimarike zeebhere, xa amanani entengo ewela ngaphezulu kwama-20%, iimali ezilinganiselayo ezifanelekileyo.

Enye yezona mali ezilungelelanisiweyo kwi-universe yolondolozo lwentlalo nguVanguard Wellesley Income (VWINX) . Ngo-2008, xa isalathisi se-S & P 500 sinehla enkulu enkulu -37%, i-VWINX inokubuyiswa okunyamezelayo -9.8%. Nangona ukubuyiswa okungalunganga akulona amava amkelekileyo kubatyalo-mali abanononophelo, oku ku-2008 ukubuyisela u-90% wezinye iimali zokwabiwa ngokuzimeleyo.

Ngokombono obanzi, ukubuyiswa kweminyaka eli-15 ngonyaka ngonyaka kaDisemba 31, 2015, kuyimangalisa 6.8%, leyo ibetha i-97% yemali eyabelwe imali.

I-VWX ine-aseset allocation of approximately 38% amasheya, iibhondi ezingama-60, kunye ne-2% yemali.

Ukuba awuyikucinga ukuba uthatha ingozi enkulu, enye yeengxowa-mali ezilungelelaniso ezifanelekileyo kakhulu iVanguard Wellington (VWELX) , ekwabiwe ngamasheya angama-65%, iibhondi ezingama-34, kunye ne-1% yemali.

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.