Iimali zeMatual Mutual Fund Imirhumo kunye neNzuzo kwiNgxowa-mali yoTywala
Njengoko kunjalo malunga nayo yonke imeko yokutyalwa kwemali, izinto ezibalulekileyo ezibandakanyekayo ekunqumeni indlela yokutshala imali kwiintlobo ezithile zokhuseleko zixhomekeke kwiinjongo zemali ze-zimali kunye nezinto ezithandayo.
Ngamanye amagama, impendulo yombuzo othi, "Ngaba utyalo-mali kwiimali ezihlangeneyo," uqala ngeempendulo ezimbini: Kuxhomekeka. Nantsi enye impendulo:
Yintoni Umthwalo weNgxowa-mali yoTywala?
Umthwalo wesikhwama sokuhlawula imali ngumrhumo ohlawulwayo xa umtyalo-mali wenza intengiso kwizabelo zeengxowa-mali. Imithwalo ihlawuliswa xa kuthengwa izabelo zeengxowa (umthwalo wokugqibela) okanye xa kuthengiswa izabelo zezimali (imithwalo yokugqibela). Le mithwalo ihlawulwa kumthengisi ngokuthengisa i-fund (okanye ucebisa umtyalo-mali ukuba athenge i-fund). Iimali zengxowa-mali ezingahlawulwanga imithwalo ziyaziwa njengeemali ezixhaswa ngemali.
Ezinye iiklasi zeengxowa-mali zingadibaniswa kalula kunye neengxowa-mali ezingekho mthwalo. Ngokuqhelekileyo, izabelo zeBakala kunye namasheya eklasi C ayifaki umthwalo wokugqibela. Ngamanye amazwi, ephezulu, kubonakala ukuba ukuba utyalomali kwingxowa-mali yeBakala okanye ye-C otyalomali kwingxowa-mali engekho mthwalo. Enyanisweni, uthengisa i-fund ephethe umthwalo wokugqibela ( umrhumo othengiswayo wokuthengisa ) kunye nemali ephezulu eqhubekayo ye-12b-1.
Ingxowa-mali yangempela engekho mthwalo ayinayo i-front-end okanye i-back-end sales charge.
Zingakanani iindleko zeMali zeMali eziMthwalo?
Zixelelwe ngaphi ixesha ukuba akukho nto enjengokutya kwamahhala? Okufanayo kunyanisekileyo ngeengxowa-mali ezingekho mthwalo: Akukho nto "ekhululekile" kwihlabathi lokutshala imali. Imali-mali engekho mthwalo ingaba yintlawulo yeentlawulo zokuthengisa (imithwalo), kodwa zineendleko.
Zonke iiklasi zeemali-mthwalo okanye umthwalo- ntlawulo - zihlawulwe iintlawulo ezihlawulwa kwiimpahla zeengxowa-mali kumcebisi-mali we-fund (ngokuchasene nokuhlawula umcebisi / umthengisi othengisa i-fund). Ngamanye amazwi, abatyali-mali babona le mirhumo njengento yokunciphisa inzuzo yabo yemali ngokumalunga neendleko kwiibhanki zabo okanye kwi-statement ye-brokerage.
Imali yentlawulo ye-Mutual ibonakaliswe kwinto ebizwa ngokuba ngumlinganiselo weendleko , okuyi pesenti ebonisa iindleko zokusebenza ze-fund. Imirhumo kunye neendleko ziyahluka kakhulu kwingxowa-mali ukuze zixhaswe kwaye zingabalwa ukusuka ngaphantsi kwe-0.10% ukuya ngaphezulu kwe-2.00%, ngokuxhomekeke kwisitala sokutshala imali , imali yeemalike , i-assets assets, inkampani ye-fund kunye neklasi yezabelo ze-fund.
Thenga I-No-Load Mutual Funds Kwakho okanye Ngomcebisi?
Abanye abatyali-mali bathetha ukutyalo-mali kwiimali ezizimeleyo. Ngamnye umtyalomali unezizathu zakhe ezenzayo-ngokwakho. Izizathu ziyahluka ngokugwema iindleko zokuhlawula umrhumo wokungathembeli ngabacebisi ngezemali.
Abaninzi-abatyala-mali-mali bakhotha indlela eqhelekileyo yokuthenga iimali ezingabonakaliyo ezingekho mthwalo nge-Vanguard kunye / okanye kwi-T. Rowe Price. Bangakhetha ukhetho olubanzi olusekelwe ngokubanzi, olulandelayo olulandela isalathisi njenge-S & P 500 Index.
Basenokudibanisa iimbosi ezahlukahlukeneyo ukwenzela ukwakha iipotifoliyo ezahlukahlukeneyo ezinamalungu amaninzi okanye amaninzi emakethe (iintengo ezinkulu zeenkampani ze-US ukuya kwi-stocks ezincinane zamazwe ngamazwe ).
Ngakolunye uhlangothi, abatyali-mali abaninzi baye bafumana abacebisi abathembekileyo abahlawulisa intlawulo esekelwe kwii-asethi ezityalomali kunokuba bathengise ikhomishini yokuthengisa. Abacebisi bodwa beemali banako ukukunceda abatyali-mali ukuba bafumane isabelo esifanelekileyo semali esekelwe kwiinjongo zomnini-mali kwaye bancede bahlale ekhompheni ngamaxesha amahle nakwizinto ezimbi.
Abacebisi abahlawula iirhafu ezisekelwe kwii-asethi phantsi kolawulo, kunokuba bathathe iikhomishini ezivela kwiintengiso, bakhombise ukuba banokubeka phambili iimfuno zomtyalo-mali ngenxa yokuba akukho nzuzo yokuthenga okanye yokuthengisa.
Ngaphantsi kweNtengo yokuThengiswa kweeMpahla zeMatual Fund
Ingaba uthengi imali okanye imali kunye nomthwalo, okanye xa wenza-okanye ngokwakho umcebisi, kufuneka uqonde ukuba yintoni isikhwama sokuxhaswa komthwalo kunye nokuba yeyiphi ingxowa-mali engekho mthwalo.
Ngaba ufanele utyalomali kwiimali ezihlanganyelweyo okanye iimali kunye nomthwalo? Ngaba kufuneka utyalole imali engekho mthwalo okanye ucebisi? Ngaphambi kokuba wenze isigqibo, kufuneka uqonde ukuba yintoni isikhwama sokuxhaswa kwempahla engekho kunye nokuba yeyiphi ingxowa-mali engekho mthwalo.
Umgca wecala kukuba iimali ezingekho mthwalo zihlala zikhethwa ngaphezu kweemali ezilayishiwe. Qiniseka ukuba iimali zakho zokungahlawuliswa kwemali zingezantsi.
Qinisekisa ukuba ujonge uluhlu lwethu lwamaxabiso eendleko .