Amagunya ezenkolo awakudingi ukulwa neNkqubo zoTyalo-mali
Ngokufanayo, abatyali-mali kwii-Amana Funds baye bakhuselwa kwiingozi zokuba neefenki zebhanki okanye iinkampani ze-inshorensi. Kwimeko yabo ngenxa yokuba u-Amana uthengisa ngokwemiqathango yamaSilam, oku kuthetha ukuthintela umdla.
Akungabazeki ukuba abathengi baseMinella kunye nabatyalomali abanamashishini kwi-Amana Funds, njengabalimi-mali ngokubanzi, bathathe iimbumba ezimbalwa kwindawo ecelomngeni. Kodwa ukungabikho kwempahla yezemali yinxalenye enye yepottoliyo yabo abanokuvakalelwa ngayo, ngenxa yokuthatha inxaxheba kwiindawo ezikhula ngokukhawuleza zentlalo enoxanduva oluntu olubizwa ngokuba yi-investment-based investment. Enyanisweni, uninzi lwabatyalo-mali abanoxanduva loluntu luzuze ekukhanyeni kwiinkonzo zemali ngexesha leengxaki zemali.
Kanye njengoko i-SRI ithetha ukufumana ukubuyisana ngokuncintisana kwiedola zotytyalo ngaphandle kokuphoqa imigaqo yoluntu okanye yemvelo, utyalo-mali olusekelwe elukholweni lusebenza kwimigaqo ehambelana nenkolo yomntu.
Oku kuthetha ukugxininisa kwi-"intshutshiso yentsapho" izikrini ezifana neenkonzo zokukhipha isisu, iinthombe zoonografi, utywala, ukugembula kunye nendlela yokuphila engafanelekanga. Kodwa kusenokuthi ukuphepha iinkampani ezinokuziphatha kakubi kwiinkcubeko, ezifana nokufumana umdla.
Njengoko inani leemali eziphathekayo zentlalo liye landa kule minyaka elishumi edlulileyo, ngokunjalo neemali ezizityalo ngokwezesikrini ezihlobene nokholo.
"Leli qela leemali liye lavela njengecandelo elikhulayo kunye elikhethekileyo lehlabathi le-SRI," kutsho uMichael Herbst, umhlalutyi we-fund kunye neengxowa-mali ezisekelwe kwi-Morningstar. "Yintoni esiyibonayo kukuqwashisa kwabasomali-mali ukuba kubekho iminikelo enokholo ehambelanayo neenkolelo zabo zokomoya mhlawumbi ngakumbi kunokuba zikhethwa kwixesha elidlulileyo."
I-Morningstar yalandele iikholeji ezi-100 ezixhomekeke ekukholweni, eziqhutywe malunga neentsapho ezilishumi. Ziquka iincinci ezincinci, eziphakathi kunye neenkulu, ingeniso ehleliweyo, ixabiso, ukukhula kunye nemali yecandelo. Batshala ngokwemiqathango yamaKristu kunye namaMuslim kwaye nangona bayingxenye yentsapho yolondolozo loluntu, banokuthi babe ne-stock ezinkampani ezingenakufunyanwa kwipotfoliyo ye-SRI jikelele.
Imali esekelwe kwi-Faith ibandakanya ukhetho lweKatolika olunjenge-Ave Maria Mutual Funds kunye neengxowa ze-LKCM ze-Aquinas. Abaphathi be-Ave Maria basebenzisa "inkqubo yokuhlola ukuziphatha ngokufanelekileyo" ukukhetha iisitokethi zayo, eziphuhliswe yiBhodi yamaBhunga abaKatolika. Le bhodi iquka amanani awaziwayo njengomqeqeshi we-Notre Dame webhola lebhola uLol Holtz; Umcebisi wezomnotho kunye nendibano ye-CNBC ibonisa ummiselo uLawrence Kudlow kunye noMsunguli wePilino wasePilma uTomas Monaghan.
Iimali ze-LKCM ze-Aquinas zisebenzisa iNgqungquthela yase-United States yamaBhishophu amaKatolika amaKhokelo okuTyala ngokuTyala kweNkxaso-mali ngenkxaso-nkampani.
Phakathi kweemali zeProtestanti Izinto ezibonakalayo zezezimali zamaLuthere zikhulu kunama-40 angakhetha kuzo, kubandakanywa nemali yecandelo. I-Guidestone Funds, eyaqala njengesicwangciso sokuthatha umhlala-phantsi wabasebenzi beSouth Baptist Baptist Convention, inezigidi ezingama-23, ezithandathu zazo zinamaxabiso angaphezu kwe-1 billion. Imali ye-MMA Praxis ifakwe kwi-Mennonite Church yase-USA, (i-MMA imele iMennonite Mutual Aid) kwaye yenzelwe icawa kunye ne-Anabaptist ingcambu kuquka iMennonite, Brethren kunye namaqela ecawa yama-Amishi.
Phakathi kwemali yamaSulumane i-Amana Growth kunye ne-Amana Income ziye zafumana izilinganiso ezinkanyezi ezintlanu kwi-Morningstar. Ingxowa yenkxaso-mali ifuna ingeniso yangoku kodwa ngaphandle kokutyalomali kwiimbophelelo ngenxa yomgaqo-nkqubo onomdla.
Kunoko, ithengisa kwii-stocks ezihlawulelwayo.
"AmaSulumane eMelika anomnqweno wokuba amasheya kwaye beyazi ukuba kukho imingcele ethile okanye izikhokelo ezimele zilandele," kusho uNiclas Kaiser, umphathi wephothifoliyo. "Ngokuqeshisa inkampani yokuphathwa kweengxowa-mali kunye nokwenza i-fund ukuze ilandele le miqobo eyaziyo ukuba iya kuhlangabezana neemfuno zabo zonqulo kwaye iyanelisekisa injongo yabo yokuthenga amanani."
Iimali ezixhomekeke kukholo luthemba ukuba nezindleko eziphezulu zeendleko, xa kuthelekiswa neengxowa-mali zemveli, ezo iingcali zibonisa ubungakanani obuncinci beemali ngokwemilinganiselo, kunye neendleko ezihambelana neenkampani zokuhlola. Kodwa inxalenye enkulu kakhulu yoluntu-mali uzimisele ukuzithwala ezo ndleko ukufumana iimali ezihambelana neenkolelo zazo.
"Kukhona ukuvuswa okukhulu kwiindawo zamaKristu ukuba banokwenza okungakumbi ngemali yabo kunokuba batyala imali ngokukhawuleza," kusho uMinella. "Abantu bayazi ukuba banokukhetha."
Utyalo-mali olusekelwe elukholweni aluyithandabuli imibuzo ebalulekileyo nayiphi na imali nawuphi na umtyalomali kufuneka abuze xa kwakhiwa iphothifoliyo, njengokuba yintoni ixesha lotyalomali kuze kube ngumhlalaphantsi, kukunyamezela ntoni umngcipheko. Kodwa yongeza isikrini esongezelelweyo ukuqinisekisa ukuba imali iya kwiinkampani ezingenakucaphukisa imigaqo yabo yonqulo.
UMinella uthi ukukhipha isisu kunye noonografi yizona zimbini ezichasayo ze-BRI okanye abatyala-mali abanomdla ngokubhekisele kwiBhayibhile, zilandelwa yinkxaso yokuphila ngendlela engafanelekanga. Oku akubandakanyi nje ukulala nomntu ongqingiliyo, kodwa kunye nezibini ezitshatileyo zihlala ndawonye ngaphandle komtshato. Uthi le ndlela yokuphila yesikrini isoloko ingaqondwa kakuhle.
Uthi: "Akuyikuhlasela umntu," usho. "Kuthetha oku kukuphila esikukholelwayo ukuba iNkosi iyafuna ukuba sibe neyethu. Asikuthinteli kuwe, kodwa asifuni ukuxhasa okanye ukukhuthaza abanye abantu ukuba bakwenze. Ngenxa yoko andiyi kudibana nekampani eya kwenza loo nto. "
Ngelixa ezininzi iimali ezisekelwe elukholweni zidibaniswe neenkolelo ezithile okanye iicawa, abaphathi bezezimali baxininisa ukuba bavuleleke kubo bonke abatyali-mali.