Ummiselo weMatual Funds

Umgaqo-mali we-Mutual Funds nge-SEC Benefits Investors

Xa kuthelekiswa nezinye iindlela zokutshala imali ezinjengeentambo ze- hedge funds , iimali ezihlangeneyo zilawulwa ngokubanzi. Yinto enhle kumtyalo-zimali wansuku zonke. Iimali zengxowa-mali kufuneka zihambisane nemigaqo emiselweyo elandelwa yiKhomishana ye-Securities and Exchange kwaye le mithetho iyenzelwe ngokukodwa ukukhusela umtyalomali.

I-SEC kunye noMgaqo-mali we-Mutual Funds

ISebe lijongene nokuthotyelwa kweNgxowa-mali yoMthetho weNkampani ye-Investment ka-1940, kunye nokunamathela kwayo kweminye imithetho nemimiselo.

Ummiselo weemali ezihlangeneyo unikezele abatyalo-mali ngokuzithemba ngokwezakhiwo zotyalo-mali kwaye uye wanikela ngezinye iindibonelelo ezinjenge:

• Ukungabonakali: Ukubanjelwa kweemali ezihlangeneyo kubonakala esidlangalaleni, nangona maxa wambi kukho ukulibaziseka kwingxelo. Oku kuqinisekisa ukuba abatyali-mali bafumana oko bahlawulayo.
• Ubutyebi: Imali yeemali ezihlangeneyo ihlawulelwe yinkampani yengxowa ngomhla wokurhweba, kwaye oku kuqinisekisa ukuthengiswa kwamashishini kwansuku zonke.
• IiRekhodi zoPhicotho eziPhicothiweyo: IiNgxowa zimele zigcine iirekhodi zazo zengqesho kwaye ziphicothwe ngokuchanekileyo ukwenzela ukuba abatyali-mali bathembele ekubuyiselweni kweengxowa-mali.
• Ukhuseleko: Ukuba inkampani yokuxhaswa ngemali iphuma kwishishini, abanini-mali bezabelo bafumana inani lemali elingana nesabelo sabo sobunikazi kwingxowa-mali. Ngaphandle koko, iBhodi yabaLawuli beNgxowa-mali ingakhetha umcebisi omtsha wokutyalomali ukulawula imali.

Imithetho eLawula ukuSebenza kweMali yeMali

Imithetho nemimiselo yeemali zentsebenziswano iyabanzi, kodwa imimiselo ephambili ibandakanya:

• Umthetho we-Investment Company ka-1940: Lo Mthetho ulawula imali kunye kunye nezinye iinkampani. Ijolise kwiingcaciso kunye nolwazi malunga neenjongo zophuhliso, isakhiwo senkampani yokutyalomali, kunye nemisebenzi.
• Umthetho we-Securities Act ka-1933: Lo msebenzi unenjongo yokufuna ukuba abatyali-mali bathathe ulwazi oluthile olubalulekileyo oluphathelene neemfanelo ezizithengiswa kwiimarike zomntu. Lo Mthetho unqanda ukukhwabanisa kunye nokuchaswa kakubi ekuthengiseni i-securities.

• UMthetho we-Securities Act ka-1934: UMthetho we-1934 wadala i-SEC kwaye unikezela i-SEC ngokugunyazwa kwishishini lokugcina.

Ukuphanda iMithetho kunye neMimiselo ye-Mutual Funds

Iwebhusayithi yeSibini inikeza unxibelelwano oluninzi luncedo olunokukunceda ukuba uphando ngemimiselo yeemali ezihlangeneyo, kunye neminye imithetho yemfihlo. Abatyalomali banokufumana ulwazi oluncedo malunga nemithetho kunye nokulawulwa kweemali ezihlanganyelweyo kwixwebhu elibizwa ngokuba yi- prospectus enokufunyanwa kwiiwebhusayithi ezininzi ezihlonishwayo. I-prospectus iyadingeka yi-SEC kwaye kufuneka ichaze ngokupheleleyo imirhumo, injongo, imisebenzi, kunye nemingcipheko yemarike yesikhwama ngasinye.

Nangona i-prospectus kunye nezinye iimfuno ze-SEC zingasususisiswanga ngokupheleleyo ingozi yokufaka imali, zinika inzuzo ebalulekileyo kwindlela yokukhusela ekuncediseni abatyali-mali ukuba bathenga into abazimisele ukuyithenga.

Qaphela: Njalo qhagamshelana neengcali zezezimali malunga nolwazi oluphezulu kunye nolunye uhlobo. Eli nqaku alikho icebo lotyalo-mali kwaye alujoliswanga njengengcebiso-mali.