Iingxowa-mali ze-Commingled Inkcazo, iiNzuzo neziNzuzo
Ngokubhekiselele ekutyaleni imali, i-fund ye-commingled ixhaphake kakhulu equkethe impahla ehlanganiswe ndawonye, efana neengxowa-mali , ezivela kuma-akhawunti amaninzi.
Imali e-Commingled, uhlobo lwe-akhawunti eyahlukileyo, ingalawulwa ngokufanelekileyo ngumphathi omnye okanye ngaphezulu.
Iimali ze-Commingled kunye neMual Funds
Iimali zokuzibandakanya kunye neemali ezidibeneyo zikwabelana ngeempawu ezifanayo, kunye neemeko ezithile. Nazi iindlela eziphambili zokuxhaswa kwemali kunye neemali ezihlangeneyo zifana:
- Iimpahla ezixhasiweyo: Iimali ezidibeneyo kunye neemali ezihlangeneyo zombini ziquka izinto ezivela kuma-akhawunti amaninzi, abathengi okanye abatyala-mali. Zomibini iintlobo zemali zivame ukutyalomali kwii-securities enye (okanye intlangano) yeeklasi ze-asethi eziphambili , ezizi-stocks, izibophelelo kunye nemali.
- Ulawulo lwezakhono : Njengemali yokubambisana, iimali ezidibeneyo zilawulwa ngumphathi omnye okanye iqela labaphathi. Abaphathi banquma ukuba zeziphi iziqinisekiso zokuthenga iphothifoliyo kunye nokugqiba ixesha lokuthengisa i-securities.
Nantsi iimeko eziphambili phakathi kweemali ezidibeneyo kunye neemali ezihlangeneyo:
- Ukubhaliswa kweSibini : Iimali zetyala kufuneka zibhalise kwiKhomishane ye - Securities and Exchange, okanye i-SEC , ngoxa iimali ezithintekayo zingabhaliswanga. Yiyo Ofisi yase-United States yoMphathi-mali weMali kunye nabalawuli belizwe abajongene nokulawula imali.
- Iindleko : Njengoko iimali zokudibanisa zifuna isakhiwo esingaphantsi komthetho kunye nokubeka iliso, iindleko zihlala ziphantsi, ngakumbi xa kuthelekiswa nezimali eziphathekayo eziphathekayo .
- Ukwaziswa kunye neNkcukacha zoTyalo-mali: Iimali ezidibeneyo zingabanika abatyalo-mali babo kunye nabathengi abaza kubakho iSicwangciso soShwankathelo seSkripthi (SPD), kanti i-joint funds zifuna ukubonelela nge- prospectus .
Kutheni Utyalole kwiNgxowa-mali? Inzuzo kunye neNzuzo
Iimali zokuzibandakanya zikwabelana ngezibonelelo ezifanayo kunye nokungahambi kakuhle kweemali zentsebenziswano, ngelixa ezinye iinkqubo kunye neengxaki zikhethekileyo kwiimali ezidibeneyo.
Nazi izibonelelo eziphambili zeemali ezidibeneyo:
- Abaphathi bezakhono : Iimali ezidibeneyo zenziwe ngokusetyenziselwa injongo, apho umcebisi, umphathi wemali okanye iqela labaphathi bangasebenzisa zonke iingcamango zabo ezingcono kwiakhawunti enye, kunokuba iininzi okanye amakhulu kwiakhawunti nganye. Eli lungiselelo lingaba yimpumelelo kumqhubi kunye nomcebisi.
- Iindleko eziphantsi : Ukusebenza kweemali ezibandakanyekayo kuguqulela kwiindleko eziphantsi, ezihlala ziphantsi kohlahlo lwabiwo bemali ephathekayo.
- Ukuchithwa : Ukufana neengxowa-mali, iimali ezidibeneyo zihlala ziquka umxube wezobambiso ezihlukeneyo, ezifana nezitokisi, iibhondi kunye nemali. Ukuchithwa kwemali kunokunikela ingozi emarike engezantsi, xa kuthelekiswa nephothifoliyo yesiganeko esinezikhonkwane ezinkulu ezi-10 ukuya kwe-20.
Nazi izimbalwa ezimbalwa zokulahlekelwa kweemali ezidibeneyo:
- Ubutyebi obuNcinci obuncinci : Ngokungafani neemali zentengiso, abatyali-mali abanako ukufikelela ngokukhawuleza kwimali kunye nekhredithi ye-commingled. Oku kungenxa yokuba iimali ezidibeneyo azikwazi ukuba nexabiso elikhulu kwiimpahla phantsi kolawulo kwaye, ngenxa yolu, ulawulo lunokuthi lube nemimiselo ekukhawulezeni ukuba abathengi banokufikelela kwimali.
- Umsebenzi wokulandelela : Kwihlabathi apho ulwazi lufumaneka ngexesha lokwenyani, idatha yokusebenza kwimali edibeneyo ayifumanekanga njengemali yokubambisana kunye neengxowa -mali ezithengiswayo (ETFs) . Oku kungenxa yokuba iimali ezidibeneyo zingabhaliswanga kwaye azinayo iimpawu zeekethi eziza kulandelwa phantse nayiphi na iwebhusayithi, njengoko kubanjwe ngamasheya othengiselwano esidlangalaleni.
Ngaphantsi kweNtengo yokuThengwa kweeNgxowa eziMisiweyo
Ukutshala imali kwiimali ezidibeneyo kunokukhetha ngokukhethekileyo kodwa qiniseka ukwenza umsebenzi wesikolo kuqala. Qala ngokufunda i-SPD yengxowa kwaye uhlolisise amava kunye nemvelaphi ye-fund (s). Yaye, njengoko kunjalo, qiniseka ukuba le ngxowa-mali iyahambelana nenjongo yakho yokutshala imali kunye nokunyamezela.
Kwakhona kulungile ukuba uqiniseke ukuba ixesha lakho lokubamba lihambelaniswe neenjongo zeengxowa ze-commingled kunye nokuba awunayo imfuneko yokuthengwa kweemali ngokukhawuleza.
Ngamazwi ahlukeneyo, iimali ezidibeneyo zingenakulungelelanisa iinjongo zokutyalomali zangexesha elifutshane, ezifana neengxowa-mali zongxamiseko kunye neehorizons yexesha elingaphantsi konyaka omnye.
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.