Iiklasi zeeMali zeMatual Fund zingaba neeMali ezahlukeneyo, iMali engaphantsi kweeNtengo, kunye nokuNinzi
Ininzi yexesha eli lenzekile emva kokufunda nge- prospectus ye-fund kunye nomnini-nxaxheba ubona ukuba i-fund inezigaba ezahlukeneyo. Ngokusoloko kungacacanga malunga nokuba yintoni umehluko phakathi kweemali, kodwa kwiimeko ezininzi, iimali ezithile zinikeza iifizi eziphantsi kunye nokulinganiswa kweendleko ngokulungiselela utyalo-mali olukhulu.
Ngamanye amaxesha, i-fund fund ifuna ukuzibhenela kubasomabini boomama-no-pop ("abathengisa" abatyali-mali) kunye neenkampani ezinkulu, izicwangciso zempesheni , kunye neengeniso ("abatyala-mali"). Umceli-mngeni wokwenza i-joint fund iyona ndlela inokubaluleka kuzo zombini iintlobo zabatyalomali kukuba abaxhasi beziko elikhulu kunabo buninzi bezoqoqosho ezilinganiselwe ukuba abayi kuvuma iifizi eziphantsi zokulawula ezihlawulwa ngabanini-mali.
Esikhundleni sokunikela ngemali emibini eyahlukeneyo, engayi kuba yinkqubela, iimali ezininzi zogqithiso zenza isigqibo sokudala iiklasi ezizahlukileyo ezahlukileyo. Enye iklasi inokubhenela abatyalo-mali abathengi kunye neklasi enye inokubhenela kubatyalo-mali beziko. Ngamanye amaxesha, kukho neklasi ephakathi kwamanqanaba. Iiklasi ezahlukileyo ezahlukileyo ziyakunokulinganiswa kweendleko ezahlukeneyo, utyalo-mali obuncinane, iintlawulo zokuhlawulela, kunye nemithwalo yokuthengisa.
Ukujonga kwiLizwe leNqobo leMbali yeeNkcazo zokwabelana ngeNgxowa-mali
Ukukunceda uqonde umxholo weeklasi zentengiso, makhe sijonge kwiiklasi zengxowa-mali ye- Vanguard yeS & P 500 , enye yeemveliso ezidumileyo zezimali kwihlabathi.
I-Vanguard 500 Index Index ifumaneka kwiiklasi ezahlukeneyo ezahlukileyo:
- Iingxowa-mali ze-Investor Shares zengxowa-mali ye-ticker ye-VFINX kwaye ine-0.14% yexabiso lentengo kunye ne-3
- Iimali ze-Admiral Shares zengxowa-mali phantsi kwesimboli se-ticker VFIAX kwaye ine-0.04% yexabiso leendleko kunye ne-$ 10,000 ubuncinci-mali
- Iingxowa-mali zeNgxowa-mali zeNgxowa-mali zeNgxowa-mali phantsi kwesimboli se-ticker VINIX kwaye ine-0.04% yexabiso lentengo kunye ne-5,000,000 ye-investment
- I-Fund Institutional Plus Igalelo lorhwebo phantsi kwesimboli se-ticker VIIIX kwaye linomyinge we-0.02% weendleko kunye ne-100,000,000 ye-investment
Njengoko unokubona, kuxhomekeke kwiklasi yezabelo ozithengayo, ubuncinci bakho bunokuqala ukusuka kwi-$ 3,000 ukuya kwii-100,000,000 zexabiso kunye nomlinganiselo weendleko kwi-investment fund yakho yodwa iyahluka kakhulu.
Abatyalo-mali abatyalileyo banokufumana iiNzuzo eziNgezelelweyo kumaziko athile
Izibonelelo zokukhulisa iphothifoliyo yakho ayipheli ekufikelelekeni kweeklasi zokuhlawula iindleko eziphantsi. Amaziko amaninzi emali anikezela ngeenzuzo ezongezelelweyo ngokusekelwe kwinani elipheleleyo lexabiso eliphantsi kwephahla labo elifanayo.
Ukubambelela kumzekelo wethu weVanguard, ukuba unayo i-$ 50,000 ukuya kwii-500,000 zamaRandi ezityalomali kwi-Vanguard imali kunye ne-ETFs , uza kulungelelanisa inqanaba leNkonzo ye-Travel, oku kuthetha ukuthengiswa kwee-commissions kwi-ETFs kunye nee-commissions ezithinteleyo kwiimpahla kunye ne-ETFs engeyiyo iVanguard.
Ngaphezulu, akukho ntlawulo yeenkonzo.
Ukuba unayo i-$ 500,000 ukuya kwii-1,000,000,000 ezityalomali kwiimali ezidibeneyo ze-Vanguard kunye ne-ETFs, uvumelekile kwiVanguard's Travel Options Khetha, kwaye abatyali-mali abangaphezu kwe-1 million kwiimali zakwa-Vanguard kunye ne-ETF bafanelekile kwiiVanguard's Voyager Flagship Services. Icandelo ngalinye linikeza inani elinyukayo leenzuzo kubatyalomali. Ewe, eqinisweni, ungaphezulu kweyona nto sele uhlawula imali engaphantsi kwindleko zemali kwi-yakho engaphantsi kweengxowa-mali ngokufumana iiklasi zincinci zamanani aphezulu!
Okunye malunga nokutyalomali kwiMual Funds
Ukuze ufunde okungakumbi malunga nokutshala imali kwezemali, funda i-Guide Complete Beginner Yokutshala imali kwi-Mutual Funds , eqokelela ezinye zeencwadi eziphathekayo kunye nezibonelelo zonxibelelwano.