Yintoni iFund Sector?

Inkcazo kunye neZiseko zeMali zeCandelo

Icandelo leengxowa-mali yingxowa- mali kunye okanye i -fund-exchangeed fund egxininisa uphuhliso lwayo kwicandelo elinye lemarike. Icandelo liyinxalenye yeemarike ezijoliswe kumgca omnye wezoshishino. Ngokomzekelo, iBhanki yaseMelika ikwiinkonzo zeenkonzo zezezimali, ngelixa iWal-Mart isekho kwicandelo leenkonzo zabathengi.

Kodwa abatshali-mali bangabasebenzisa njani iimali zecandelo? Ngaba iicandelo lee-mali ezifanelekileyo zotyalo-mali kubo bonke abatyalo-mali?

Nantsi into oyifunayo ukuba wazi ngaphambi kokutshala imali kumacandelo:

Iimpawu eziqhelekileyo kunye nemizekelo yeeNgxowa zeCandelo

Kukho iinkalo ezintathu eziqhelekileyo phakathi kwemali yecandelo:

1. Ugxininiswe kwiisitishi kwishishini okanye imboni ethile
2. Inani elithintekayo lokubamba
3. Eyona mininzi ngaphezu kweemarike ezikhoyo

Ngamagama ahlukeneyo, amacandelo eemarike ngamacandelo athile axhomekeke kwiinkampani ezifanayo. Amanye amacandelo ephambili aquka iteknoloji, ukunakekelwa kwezempilo, izibonelelo, kunye neemali.

Zingaphi Amaziko Akho Ngayo Imali Yecandelo?

Kukho imibutho emininzi eyahlula ngokwasemthethweni imarike kumacandelo ahlukeneyo kunye namacandelwana amacandelo. U-Wal-Mart usekwinqanaba leenkonzo zabathengi, kodwa lingahlulwa ngokubanzi njengesitolo sokusaphuhlisa. IBhanki yaseMelika kunye ne-Allstate bobabini kwiinkonzo zeenkonzo zezezimali, kodwa ekuhlaleni ngokubanzi, iBhanki yaseMelika ibamashishini asebhanki ngelixa u-Allstate usekwicandelo le-inshurensi.

Unako ukutyalomali kwiinkalo ezininzi zamacandelo ngokusebenzisa i-fund eyodwa okanye i-fund-exchangeed fund.

Apha amacandelo , njengoko kuhlanjululwe yi-Morningstar, Inc, inkampani yophando yenkxaso-mali ngokubanzi:

1. Te knoloji
2. Mali
3. UmThengi
4. Isithambiso sabathengi
5. Izixhobo
6. Uvimba wendalo
7. Ukhathalelo lwempilo
8. Izindlu ezithengiswayo
9. Iimpawu ezixabisekileyo

Nangona iinqanaba ezisibhozo ze-Morningstar zikunceda ekuhlaleni igalelo lezezixhobo, umgangatho uye wukufumanisa inani elinyukayo lamacandelo kunye nokudala iimveliso (iimali ezidibeneyo, imali-mali yokuthengiselana, njl) njengawo macandelo. Intloko yakho inokuthi ifuthe xa uzama ukukhetha isikhwama kwicandelo lezempilo. Ngaloo ndlela, unakho ukuhamba ngaphantsi kweengxowa-mali ujolise ekuboniseni iinkampani eziphuhlisa iimveliso kunye neenkonzo ezibona kwaye ziphethe umhlaza. Ungaphinda uthenge i-fund ejolise ekutyaleni kwiinkampani ezilawula amakhaya asebekhulile kunye nezibhedlele.

Ngaba kufuneka Utyalole kwiNgxowa-mali?

Ngaba kufuneka utyalomali kwingxowa-mali? Kuyaxhomekeka. Ngaba ufuna ukuzama ukukhetha icandelo elishisayo kuneminyaka elishumi ezayo? Ngo-1999, i-teknoloji yecandelo lezobuchwephesha liye lugxeka kwaze kwaba yinto ekhutshwe ngo-Matshi 2000. I-Tech stocks yathabatha iminyaka emininzi ukuba ibuyiselwe kulawo lahleko kodwa yayifumana kwakhona xa i-intanethi, ezobuchwepheshe bee-intanethi kunye neendaba zoluntu ziba yinxalenye yoluntu kunye noshishino kunye nenkampani efana ne-Apple, i-Google ne-Facebook.

Ngoko ke ukuba ukhululekile ngokuguqulwa okukhulu kwixabiso kwaye unexesha elide, i-teknoloji yecandelo lobugcisa lingaba lukhethi olukhethileyo kuwe. Kodwa kukho namacandelo anjengezinto ezinqabileyo, ezinjengeenkonzo zokuncedisa kunye nokunakekelwa kwempilo.

Mhlawumbi injongo ehlakanipheleyo yecandelo yenkxaso yezinto ezahlukeneyo. Kule meko iphothifoliyo yeemali ezihlangeneyo eziquka i-S & P 500 Index fund, i-fund ye-bond, kunye neengxowa-mali zangaphandle, inokuthi idibaniswe ngakumbi ngokufaka imali encinci yemali emithathu okanye emine yamacandelo.

Kodwa utyalo-mali kwiinkalo zecandelo leenjongo zokucingela ingacetyiswa. Utyalo-mali olukhethekileyo lubandakanya ukubeka amabhethti kwiimpahla okanye iimali ocinga ukuba ziya kuhamba ngexabiso. Isiphakamiso esingengozini, njengabalingisi ngokubanzi bazama ukwenza inzuzo enkulu ngexesha elifutshane kakhulu. Nangona andiyena umtsalane wotyalo-mali oluthile, ukuba ufuna ukucacisa ngenxalenye encinane kwipotfoliyo yakho esekelwe kumzingeli onayo malunga nesitokethi esithile, unokungcono ukuthenga ingxowa yecandelo eligcina isitokisi. Ngaloo ndlela, ukuba uyiphutha malunga nesitokisi, ubuncinane uyahluka phakathi kwezinye iindawo zakho.