Isibalulekileyo sokwakhiwa kweeMali eziManyeneyo
Ukuze kuqondwe isakhiwo seemali zengxowa-mali, kunceda ukuthelekisa kwezinye "i-40 Act Funds" -i-jargon yenkampani yokutyalomali ebhalisiweyo phantsi koMthetho we-Investment Company ka-1940.
Iimali ezivulekileyo zokuVala kunye neZakhiwo zeMual Funds
Unokucinga ngengxowa-mali yokubambisana njengokuba nesakhiwo esivulekileyo ngoba umnyango wokungena kwemali-kokungena naphandle kwe-fund-ihlala ivulekile.
Ngamanye amazwi, umphathi weepotfoliyo uyaqhubeka nokutshala imali entsha kubasomali-mali, kwaye inkampani yenkxaso-mali iyaqhubeka isinikela izabelo ezintsha ze-fund kubatshali-mali abatsha.
Ngoko ke, xa utyalomali kwingxowa-mali, imali ijoliswe kwingxowa-mali, izabelo zenziwa kwaye zinikezelwa (kubanjwe kwi-akhawunti kwi-firmer ye-brokerage, kwibhanki okanye kwinkampani ye-fund). Le nkqubo ihluke ngokutyalomali kwisitokisi. Xa utyalomali kwisitokisi, uthengisa okanye uthengise izabelo ngokutshintshiselana okanye ngaphezulu kwe-counter (ngaphandle kokuba ngumnikelo wokuqala uluntu okanye umnikelo wesibini) -izabelo ezitsha azidalwa.
Iimali eziValiweyo zokuVala kunye neZakhiwo zeMual Funds
Iimali ezivaliweyo-mali zivame ukudideka kunye kunye nokubizwa ngokugqithisileyo ngokuthi yimali. Zifana neemali ezivulekileyo zokuba i-asethi zabo zityalomali kwiindawo ezininzi zokugcina. Umehluko omkhulu kukuba iimali zokuvala ezivaliweyo ziziphatha ngokufana nesitokisi-ixabiso lemarike liqhutywa ngokunikezelwa kunye nemfuno yezabelo.
Ngakolunye uhlangothi, i-fund joint-end-fund eqhubekayo iveza izabelo ezintsha kubatyalomali kwaye ayithengisanga ngokutshintshiselana.
Ii-ETF kunye noKwakhiwa kweeMali eziManyeneyo
I-ETF ifutshane ne-"Exchange-Traded Fund". I- ETF inesibhakabhakethi seemali kunye nokuhweba kwi-stock exchange exchange. Ixabiso lemarike ye-ETF iyatshintsha lonke usuku ngokubhekiselele ekunikezeni kunye neemfuno ze-ETF nganye.
Ixabiso lexabiso lexabiso lempahla (ixabiso le-securities ngaphakathi kwenkxaso-mali) ye-ETF ingahluka kwixabiso lemarike (intengo umtyalo-mali athenge / athengisa i-ETF) ngenxa yokunikezelwa kwempahla kunye nempembelelo yemfuno.
IiUIT kunye noKwakhiwa kweeMali eziManyeneyo
Ii-IT ziyakucingelwa njengotyalo-mali lwama-hybrid; ukwabelana ngezinye iimpawu zeemali kunye kunye nezinye iimpawu zeemali ezivaliweyo.
Ii-IT zifana neengxowa-mali ezidibeneyo kuba umtyalo-mali unokuhlawulela amasheya (ngokubhekiselele kworhwebo kwi-stock exchange) evela kumxhasi we-UIT. Kodwa ngokungafani neemali zentsebenziswano, abaxhasi be-UIT banakho ukugcina imarike yesibini kwi-ITU. Ngamanye amazwi, umxhasi we-UIT unokuncedisa ukuthenga nokuthengisa phakathi kootyalo-mali ukuze kuphephe ukuchithwa kwezinto ze-UIT.
Ii-IT, njengeemali zokuvala ezivaliweyo, kukhupha inani leesabelo. Ezi zabelo zibizwa ngokuthi "iiyunithi." Ngokungafani nemali yokuvalwa (kunye nemali evulekile), i-securities ngaphakathi kwipotfoliyo ye-UIT ayisebenziswanga ngokuthe ngqo.
Iphothifoliyo ye-IT isungulwe ngomhla wokuqalisa kwaye igcina izibambiso zangaphambili kuze kube sekupheleni kwe-ITU. Ngomhla wokuphela, abanini-zimali be-UIT bangafumana imali yabo yentengo-mali okanye bayakwazi ukuyibuyisela kwiinkalo ezilandelayo ze-IT (ukuba zikhoyo).
Ulwakhiwo lweMivund Funds-Iingzuzo kunye neziNzuzo
Nangona kukho iingenelo kunye nokungonakali kwiintlobo ezine zeenkampani zotyalo-mali, kubonakala ukuba abatyali-mali bakholelwa ukuba inzuzo yeemali ezihlangeneyo zigqithise ukungahambi kakuhle kweemali-kunye nokugqithisa ubuncwane bezinye iinkampani zotyalo-mali.
Iimali ezivulekileyo zokudibanisa iimali ziyaqhubeka zibambe kwaye ziqokelele ubuninzi beedola-mali. Ngokwe- Investment Company Institute , ngaphezulu kwe-90 ekhulwini lwezinto zokutshala imali kwi-nkampani yocandelo lotyalo-mali iqhutywe kwimali-mali.