Ukunciphisa iRhafu kunye nokuPhakamisa ukubuyiswa
Abanini-zimali abaninzi baneentlobo ezimbini ezibalulekileyo zeakhawunti yokutyalomali: 1) I-akhawunti ye-brokerage rhoqo eyenziwa ngumntu ngamnye okanye idibeneyo kunye ne-2) I-akhawunti echazwe ngerhafu, njenge-IRA okanye 401 (k).
Uninzi lwabo batyali-mali abanayo abazange banikele ngcamango malunga nokuba zeziphi iintlobo zotyalo-mali ezifanelekileyo ukubeka kule akhawunti.
Ukuqonda iRhafu kwiMali yeTual Mutual inceda uQinise indawo
Khumbula ukuba utyalo-mali obanjwe kwi-akhawunti ye-brokerage bahlawuliswa kwiimali zentengo kunye nenzuzo yengeniso (izabelo) . Ngokomzekelo, ukuba uthengisa i-fund eyodwa ngentengo ( NAV ) ephakamileyo ngaphezu kwexabiso oyithengileyo, uya kuba nenzuzo eyinkunzi apho uza kuhlawulwa irhafu. Kwakhona, nayiphi na inzala engenayo (izabelo) ezifunyenwe kutyalo-mali kwi-akhawunti ye-brokerage ihlawuliswa njengenzuzo eqhelekileyo, ngokungathi xa ifumana imali evela kumqeshi.
Ukuhlawulwa kweerhafu kuhluke kakhulu kwiakhawunti ezithengiswa ngerhafu kunokuba i-akhawunti ye-brokerage. Ukuthengisa iimali eziziimali kwi-akhawunti echazwe ngerhafu, efana ne-IRA okanye 401 (k), ayiyi kuvelisa irhafu yentlawulo. Enyanisweni, ukuthengisa imali akuvelisi irhafu kuwo onke (nangona ezinye iifizi zentlawulo mali ziyakwenza isicelo).
Kwakhona, inzuzo evela kwiirhafu ayihlawulwanga kwi-IRAs okanye i-401 (k) de ide ihoxiswe kamva, njengomhlalaphantsi.
Iintlobo zeeNgxowa kunye neNdidi zeAkhawunti
Ngethemba, utyalo-mali wakho kunye neengxelo zengxelo zentela zidibanise ukwenza uxhulumano olunengqiqo: Iimali ezingenzi iirhafu ezincinci kufuneka zigcinwe kwi-akhawunti ye-brokerage kunye neemali ezidibeneyo ezinokuvelisa irhafu kufuneka zigcinwe kwiakhawunti ezichazwe ngerhafu.
Ngokomzekelo, kwi-akhawunti ye-brokerage, unokucinga ukuba usebenzisa i-cash-effective funds, njengemali yebhanki kamasipala okanye imali evelisa ingeniso encinci okanye engenayo inzuzo, njengemali ethile yokuThengiswa kweeNgxowa-mali (ETF) , imali ye-Index okanye i-stock stock fund.
Kwakhona, khumbula ukuba iimali zengxowa-mali zichaza iinjongo zazo kwi- prospectus okanye ungayifumana ngokusebenzisa iMasta okanye ngqo kwiwebhusayithi yenkampani ye-fund. Ukuba iinjongo zeNgxowa-mali "I-Income" okanye "Ixabiso" ukubanjwa kweengxowa-mali eziqhelekileyo ngokuqhelekileyo zi-stocks ezivelisa inzuzo (izabelo) kwaye uya kuba neerhafu yeerhafu ukuba i-fund ibanjwe kwi-akhawunti yakho yomrhwebi. Ngakolunye uhlangothi, i-fund joint fund iya kubamba iintengiso kunye neenjongo zokukhula, oko kuthetha ukuba iinkampani zisebenzisa iirhafu zabo ukuze zivuselele kwinkampani kunokuba zihlawule iintlawulo kubasomali.
Gwema enye yeZibonda eziPhambili ze-Mutual Funds
Okwangoku ufanele ucinge ngeendlela zokugcina ubuninzi bakho obulondoloziweyo obunzima kunye neengxowa-mali ezihlangeneyo ngokugcina iirhafu eziphantsi. Ukugcina iirhafu eziphantsi kweemali eziphathekayo, yiba ngendawo malunga ne-asethi indawo-indawo (uhlobo lwe-akhawunti) apho ubamba imali yakho yokubambisana ingenza umda omkhulu kwiintlawulo, okwenzeka ukuba yinto enye enkulu yokudonsa kwintsebenzo kubarhweli-mali.
Kwakhona, gcina iimali ezivelisa ingeniso (imali eninzi yebhondi, ininzi yemali ye-stock ngenjongo yengeniso) kwi-akhawunti ehlawulwe irhafu, njenge-IRAs kunye ne-401 (k). Gcina iimali zerhafu ezifanelekileyo (jonga umlinganiselo weendleko zerhafu ) kwiakhawunti ehlawulwayo, njengama-akhawunti athengiswayo ngabanye kunye kunye. Kwakhona, qaphela ukuzuza kwempembelelo kwi-akhawunti ye-brokerage. Ukuba ulindele ukuthengiswa rhoqo (ukuthenga, ukuthengisa, ukutshintshana amaxesha amaninzi ngonyaka) zama ukwenza oku ngakumbi kwi-IRA yakho okanye 401 (k) apho kungekho mali yentlawulo ezuzwayo.
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.