Ukukhula ngexabiso: Yazi ulwahlulo kunye noTyalo-mali olulungileyo
Ngamazwi ahlukeneyo, abatyalo-mali abaphumelelayo bayaqonda ukuba batyala ntoni kwaye kutheni benzayo. Nakhu okumele ukwaziyo xa kuziwa kwimali yokukhula ngemali yexabiso.
Ziziphi ii-Growth Mutual Funds kwaye Zizityala njani?
Iimali zesikhwama se-Growth ziyimali ebambe iitoksi zokukhula, eziziimpahla zenkampani ezilindeleke ukuba zikhule ngokukhawuleza ngokukhawuleza ngokumalunga ne-stock market.
Izitokhwe zokukhula zenza okulungileyo xa uqoqosho luphakathi kwinqanaba lokugqibela lomsebenzi, xa iingeniso zenkampani ziphilile. Iifowuni zobuchwepheshe , ezifana ne- Apple ( AAPL ) kunye ne- Facebook ( FB ) , kunye nabathengi bamashishini , ezifana ne- Disney ( DIS ) kunye ne- Home Depot ( HD ) , imimiselo emihle yoluphi ulawulo lwabaphathi beefowuni zecandelo lokukhula abathengela iiphothifoliyo zabo. Kodwa iimali zengqolowa yokukhula azizithengi zonke iimpahla ezinkulu ezifana nezi. Bathengisa iindawo ezincinci zokukhula kwamashishini ezinkampani onokungazivayo kodwa zingabakho nkampani enkulu yokukhula.
Iimali zokukhula zihlawula encinci okanye akukho nahlulo ukwenzela ukuba ukubuyela kumtyalomali kuzaliswe ngokuxabisa intlawulo yenkxaso-mali; kanti ukubuyela kumtyalo-mali kwixabiso / imali engenayo kungabandakanywa kwexabiso lokuxabisa nokuvelisa (izabelo).
Imali yokukhula rhoqo (kodwa kungekho rhoqo) inegama elithi "ukukhula" ngamagama abo. Iimzekelo ziquka i- Vanguard Growth Index (VIGRX ) kunye ne- Fidelity Growth Inkampani (FDGRX) .
Ziziphi ixabiso lokuThengwa kweeNgxowa-mali kunye nendlela abazifaka ngayo imali?
Ixabiso leempahla ezixhaswa ngemali ngokubanzi lutyalo-mali kwiimpahla zentengo , eziyi-stocks ezithengiswa ngumtyalomali kwixabiso elincinane ngokumalunga nemali yokufumana okanye ezinye izilinganiso ezixabisekileyo.
Ngokwemigaqo elula, utyalo-mali okanye umphathi-mali ukhangele iifowuni ezithengisayo kwi "isaphulelo;" bafuna ukufumana ingxoxo. Aba batyali-mali okanye abaphathi bavame ukusebenzisa indlela yokuhlalutya ebalulekileyo yokuphanda kunye nokuhlalutya iinkampani ukuqinisekisa ukuba isitokethi kufuneka sithengiwe - ukuba sibone ukuba "ixabiso elifanelekileyo."
Kodwa endaweni yokwenza yonke uphando kunye nohlalutyo, iindlela ezifanelekileyo zokufumana ukufikelela kwiimpahla zentengo kukuthenga kuphela imali yokuthenga kunye nenjongo yexabiso. Ininzi yexabiso lemali ye-stock inegama elithi "xabiso" egameni labo. Imizekelo ibandakanya i- Vanguard Value Index ( VIVAX ) kunye nexabiso lokuthembeka ( FDVLX ) .
Amasheya kunye nemali ye- stock ehlawula iindleko zidlalwa njengexabiso lemali kunye nalabo abahlawula imali encinci okanye abahlulekiyo bayabonwa njengemali yokukhula. Ngako oko injongo eqhelekileyo yokusebenzisa ixabiso lemali yenzalo yenzeniso okanye isivuno. Ngamazwi ahlukeneyo, umtyalomali ufuna okanye ufuna iimali zokuhlawula njengemvelaphi yengeniso. Yingakho imali yexabiso idlalwa ngokuba "yimali yengeniso." Abantu abathathe umhlala-phantsi ngabona batyalo-mali abaqhelekileyo kwiimali zentengo yengeniso.
Ubutyebi bezezimali zexabiso mali banokukhetha ukuba bafumane igalelo ekuthengeni izabelo ezininzi ze-fund. Esi sicwangciso siqhelekileyo kubantu abathanda ukunyusa imali kodwa abadingi ngeniso yangoku (bafuna ukukhulisa iphothifoliyo yabo yokutshala imali).
Ngoko ke ixabiso lemali yesithengi lingathengwa ngenjongo yokukhula kwexesha elide, nangona igama okanye injongo ayikho "ukukhula" ngokoqobo.
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.