Yintoni iFundable Value Fund?

I-Fundable Value Funds ingaba yindlela engezantsi eNgciphekweni kwiiBond

Isibonelelo sexabiso elizinzileyo liyalondolozo lwezimali lweengxowa-mali, uhlobo olunjengemali yemarike yemali . Nangona kunjalo ixabiso elizinzileyo mali liyaziwa ukuba linikeze isivuno esiphezulu kuneemarike zemali, ngaphandle kwengozi eyongezelelweyo. Isibonelelo-mali esizinzileyo sisityalo-mali esaziwa ngokulondolozwa kwemali. Ngamanye amazwi, iimali zigcina ixabiso lemali yakho, kungakhathaliseki ukuba yintoni imarike okanye iimakethe ezibophekileyo ezenzayo. Umngcipheko ophantsi, kodwa ukubuya oya kufumana kuphantsi.

Iibhiliyoni eziyi-821 zeebhiliyoni zityalomali kwiimali ezizinzileyo zexabiso. Phantse isiqingatha se-401 (k) izicwangciso zinikeza isibonelelo-mali esizinzileyo kunye nezicwangciso ezingama-529 zokulondolozwa kweekholeji nazo zinika uhlobo olulondolozo lwentyalo-mali. Ubume obuncipheko bolu hlobo lotyalo-mali lunikeza iindleko ezizinzileyo, ezinokuthi zingancedise ukubonelela ngeephothifoliyo ngezinye iinketho zokwenza izinto ezahlukeneyo kwiqhinga lokwabiwa kweefa jikelele.

Konke Kwezivumelwano Zokugqumisa

Imali yexabiso elizinzileyo lityalomali kwiingxowa-mali zokufumana ingeniso kunye nokugqitywa kwezivumelwano okanye "i-wrappers" ezinikezelwa ngamabhanki kunye nenkampani zomshuwalense. Izivumelwano zokubambisa ngokubanzi ziqinisekisa ukuba inqununu ethile kunye nenzala yembuyekezo, nokuba ngaba utyalo-mali luphantsi kwexabiso. Ngoko banikela ngokukhuselwa ngakumbi kwintengo yokutshatyalaliswa kwentengo kwiibhondi. Isilinganiso sokubuya sihlala sisisigxina, nangona yonke into engekho. Oko akuthethi ukuba abalahlekelwa yixabiso. Ngethuba lokuxakeka kwemarike ka-2008, ixabiso lemali elizinzileyo liye lancipha kwixabiso, elinye ixhoba lokungaphumeleli kweLehman Brothers kunye negalelo lentengo.

Kodwa ilahleko zazingekho ncinane xa kuthelekiswa nezinye iimarike. Ukuthelekisa ukubuyiswa kweemali ezixabisekileyo ezimalunga no-4.2% ngo-2008 ukuya kwi-S & P eyonakalisayo -37% ebuyela kulo nyaka.

Iikhontrakthi zokubambisa zinokubangela iingxaki zobuncwane ezingabonakali lula. Ngokomzekelo, ukuba umqeshi unabasebenzi abaningana bashiya isicwangciso ngexesha, oko kunokuchaphazela ixabiso lempahla kwisicwangciso.

Oku kuhambelana nokuxabiswa kwencwadi kuthelekiswa nexabiso lentengiso. Ixabiso leNcwadi lixabiso lekontileka okanye utyalo-mali oluphantsi, kule meko, iminikelo kunye nomyinge owongezelelweyo unqunyulwa kwi-akhawunti. I-Stable Value Investment Association ithi ezininzi zeziganeko zingabanjwa kwaye zitshintshwe kwangaphambili. Kwaye ikomiti yekarhulumente ekhangele kule mali ngo-2009 ibone ukuba iimpembelelo ezinjalo zazingavamile.

Iintlobo zeeNkcazo zeMali eziPhakamileyo

Isibonelelo semali esisigxina sinokubonakala ngathi ziyimali, kodwa zenziwe kwaye zilawulwa ngokuthe ngqo. Ziza kwiintlobo ezimbalwa:

• Iingxelo ezilawulwa ngokwahlukileyo: Ezi zi-akhawunti ezizaliswe ngokukodwa zenzelwe ukuhlangabezana nenjongo ethile kwisicwangciso somhlala-phantsi omnye. Ukubuyiselwa kukuxhaswa yi-asethi kwenye i-akhawunti, kwaye iimbuyekezo zingagcinwa, zikhompyuthelwe, okanye zilungelelanise ngonyaka ngokusebenza kweemarike.
• Iimali zokuzibandakanya : Ezi ntlobo zidibanisa iimpahla ezivela kwimithombo eyahlukeneyo, njengengxowa-mali. Oku kunceda iiplani ezincinci zifumana uqoqosho lwezinga.
• Izivumelwano zoTyalo-mali eziQinisekisiweyo (I-GIC): Le ngxelo apho umphathi efaka imali kwi-annuity, kwaye abatyali-mali kwisicwangciso somhlala-phantsi baxhamli. Ngoko kukho imali eqinisekisiwe yenqununu kunye nomdla.

• I-GIC ye-Synthetic: I-akhawunti ityala kwi-portfoliyo ye-investment-income "engeniswe" kwiimvumelwano ze-inshorensi ezikhusela ixabiso eliphantsi lotyalo-mali. Ezi zenze ipesenti yeepesenti zemali ezizinzileyo zanamhlanje.

Ngenxa yokuba ziyakhiwa ngokuhlukileyo, iimali zexabiso ezizinzile zilawulwa yi-arhente ezahlukileyo. Ziqhutywa yimithetho ephakanyiswe yiBhodi yeMigangatho yeeNkcazo zeMali, iBhodi yeMigangatho yeeNkcazo zikaRhulumente kunye noMthetho wezeMfanelo woLuntu oMhlala phantsi (ERISA). Iimali ze-Commingled nazo zilawulwa yiSEKELO.

Yintoni efuneka ukuba abathengi bakhangele kwiStable Value Funds?

Ngokuyinhloko, abatyala-mali abazinzileyo bezimali kufuneka bajonge i-fund engabonakali kakhulu. Ngokuqhelekileyo ixabiso lexabiso elizinzileyo liza kuhlawula iifizi ezingaphantsi kwe-0.50%. Qaphela ukuba imali ezinzileyo ixabisa i-1% okanye ngaphezulu.

Kufuneka uqikelele indleko malunga nenzuzo.

Kufuneka uzame nokuzifundisa malunga nendlela yokuhoxiswa kwemali okanye umsebenzi wokuhlengwa. Abathathi-nxaxheba kwiimali zexabiso elizinzileyo abaxhomekeke kwiinkqubo zokulinda iintlawulo. Kodwa kunokuba kunokubonelela okukuthintela ukuhambisa imali kwi-fund value value fund, okanye isikhwama sebhondi-futshane okanye isikhwama semarike yemali. Umele ulinde iintsuku ezingama-90.

Yazi ukuba imali ayikho ngaphandle kweengozi. Ingozi ingabandakanya ikhwalithi yekhredithi yenkampani eqhuba i-fund, i-insurer enikezela "i-wrapper," okanye inkampani enkulu ekutyala imali kule mali. I-401 yakho (k) isicwangciso somlawuli kufuneka senze uphando apha, kodwa ayibuhlungu kubaxhasi ukuqonda ukuba zeziphi izicwangciso ezizifunayo.

Ukuziphendulela: Umxholo okweli siza unikezelwa ngolwazi kunye neenjongo zengxoxo kuphela, kwaye akufanelekanga ukuchazwa nje ngeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.

Ukuhlaziywa nguScott Spann