Isingeniso kwiNgxowa-mali ye-Equity ye-Mutual Fund
"Yintoni i- fund equity fund ?" ngumbuzo oqhelekileyo odlalwa ngabafaki-zimali abatsha. Nangona impendulo ibe yinto elula, yinto nje yokuqala kwindlela oya kuyo yokuzimela ngokwezimali ngenxa yokuba uqonda ukuba yiziphi iimali zokulingana , ufanele uhlalutye ngaphezu kwe-10 000 ekuthengiseni esidlangalaleni ukutshala imali ukuze ufumane olufanelekileyo kwiintsapho zakho. iipotifoliyo. Ithemba lam kukukuhamba ngezinye zezinto ezisiseko ukuze ufumane ulwazi oluthe xaxa xa ubheka i-prospectus ye-fund okanye uthetha nomcebisi-mali obhalisiweyo .
Inkcazo: Yintoni iNgxowa-mali ye-Equity?
Ingxowa-mali ye-equity yintlobo yeengxowa-mali zombini okanye i- fund ye- investment fund, njenge- hedge fund , ezithengela ubunikazi kumashishini (ngoko ke igama elithi "ubulungisa") lidla ngokuphindaphindiweyo ngendlela yesitokhwe esithengiswayo esidlangalaleni. Ngamanye amaxesha, ubunini bubunjani bento ebizwa ngokuba yi-equity equity, yilapho i-equity fund inika imali kwiinkampani ezizimeleyo ezingathengiswanga kwimarike yamasheya.
I-common denominator kunye ne-equity fund ngumnqweno wokuphathwa kweengxowa-mali ukufumana amathuba amahle okutyalomali kumashishini aya kukhula, ukulahla ukunyuka okuqhubekayo kwenzuzo kubanikazi, ngokuchasene nengxowa-mali okanye i-fund engenayo ingeniso. imali yabanini-nxaxheba ukwenza imali mboleko kwiinkampani okanye oorhulumente, ukuqokelela inzala engenayo .
Ziziphi iintlobo ezahlukeneyo zeeNgxowa-mali?
Ukuhamba inyathelo elide kunokuba uphendule "Yintoni i-fund equity fund"?, Kufuneka sijonge iintlobo ezahlukeneyo zeengxowa-mali ezikhoyo ezikhoyo kubasomali.
Ngenxa yokucaca, masihlule imali yokulingana phantsi kwezinto ezincinci eziza kuhlangana nazo zonke uhambo lwakho lotyalo-mali.
IiNgxowa-mali zeNgxowa-mali ezijoliswe kwiMeko yoMmandla
- IiNgxowa-mali ze- International Equity yizo ezitshala imali kwiisitoko ngaphandle kwe-United States.
- Iimali ze-Equity Global nibo batyala imali kwiisitokisi emhlabeni jikelele kubandakanywa nabo base-United States kodwa bathambekele ekuthandeleni amasheya angaphandle ngamanqaku angama-80 ewonke-wonke.
- Iingxowa-mali zeNkcazo-mali kwihlabathi lonke yizo ezitshala imali kwiisitokisi emhlabeni jikelele ngaphandle kokuhlula phakathi kwempahla yasekhaya okanye yamazwe ngamazwe, alandelayo naphi na apho abaphathi beepotfoliyo okanye indlela yokwenza imigaqo.
- IiNgxowa-mali zeZindlu zasekhaya zizo zifaka imali kwiisitokethi kuphela kwilizwe lekhaya lomtyalomali kunye nomkhupheli. Kubafundi abaninzi, oku kuza kuba yi-United States.
IiNgxowa-mali ze-Equity ezigxininiswe kwi-Market Capital
- Imali ye-Mega Cap Equity Fund yilabo abatyale kwiimpahla zezona nkampani ezinkulu kwihlabathi; Iimpawu zeemali ezigidi zeedola njengeWalmart okanye iBerkshire Hathaway.
- I-Cap Cap Equity Fund yilabo abatyale kwiinkampani ezinomyinge omkhulu weemarike .
- Phakathi kwe-Cap Equity Funds yilabo abatyala imali kwiinkampani ezinexabiso lemarike eliphakathi.
- Iifom ze-Small Cap Equity Fund yilabo abatyala imali kwiinkampani ezinexabiso lemarike encinci.
- Iifom ze-Micro Cap Equity Fund yilabo abatyala imali kwiinkampani ezithengiweyo zikarhulumente ezixabisa izigidi ezimbalwa, okanye ezimbalwa izigidi zeedola, kwiimali zentengiso.
IiNgxowa-mali ze-Equity ezijoliswe kwiStaying Style
- IiNgxowa-mali ze- Private Equity zizenzele imali kwiinkampani ezizimeleyo ezizithenganga kwiimarike zamasheya. Baya kuseka inkampani ejongene nokunyaniseka , bafake izigidi, okanye iibhiliyoni, zeedola, bakhulise imali ngokukhupha izibophelelo , baze bafumane ulawulo lwamashishini lukholelwa ukuba luya kuphucula.
- Iimali zeNgxowa-mali ze- Equity yilabo abatyalole kubunini bamashishini abahlawula isahlulelo esibalulekileyo, esoloko lilinganiswa yimbali yokwahlula ukwahlula , isivuno esipheleleyo kunye nesivuno esahlukileyo , kunye nokulinganiswa kokukhawulelana kwezibonelelo.
- Iingxowa-mali zokuHlahlulwa kwalabo batyala imali yobunini bamashishini kunye nerekodi yokwandisa isabelo ngasinye ngesabelo ngokukhawuleza ngakumbi kunemarike yempahla yonke. Kukho iindlela ezininzi ezahlukahlukeneyo zokwenza imali ngeqhinga lokukhula kwesahlulo , ngamanye amaxesha bayabetha abahlobo babo abaphezulu , kwaye, kwiimeko ezininzi, banokwenza ukutshala imali ekuthengeni .
- I-Index Equity Fund yilezo zilinganisa inkcazo efana neDow Jones Industrial Average okanye i-S & P 500. Nangona kungabi njalo, i-equity funds funds inokuthi ibe neminye yexabiso eliphantsi kakhulu lokuhlawula imali .
- Icandelo okanye iNkcazo yeeNgxowa-mali eziManyeneyo yilezo zilandelela indawo ezithile zoqoqosho, njengamashishini okanye kumacandelo ; umzekelo, abathengisi bezaphulelo okanye ipropati kunye namaqela e-inshorensi yokubulawa. Oku kunokubangela ukuba abo bafuna ukutshala imali yabo kwiintlobo ezithile zamashishini, okungenokuba yinto engalunganga eyenziwa ukuba amashishini athile avelise ngokuphindaphindiweyo ukubuyiselwa kwembuyekezo ephezulu kubanikazi .
Ukongezelela, iimali zokulingana zingathengwa njengemali yomdlelane kunye nemali yokuthengiselana ngemali, okanye ii-ETF. Abanye abatyali-mali bathambekele ekuthandeni olunye uhlobo ngaphaya komnye kodwa kukho iingenelo kunye nokungahlelekiyo kokubili kuxhomekeka kwindlela i-joint fund ehlelwe ngayo kunye neenjongo ze-zimali, iinjongo, ukhetho kunye neemeko.
Izindlela ezahlukeneyo onokuzifaka kwiimali ze-Equity Fund
Xa usenza isigqibo sokuba utyalo-mali kwi-equity fund yindlela ofuna ukuyithatha iphothifoliyo yakho, unokhetho oluninzi olunokuba lunengqiqo. Unga:
- Ukutsalwa ngokuvula i-akhawunti ngokukhawuleza kunye nosapho lwengxowa-mali efana kunye neVanguard okanye i-Fidelity.
- Utyalomali ngokuthenga amashishini e-equity fund kunye ne- akhawunti ye-brokerage .
- Yenza imali ngokuthenga amashishini e-equity fund nge- 401 (k) okanye 403 (b) isicwangciso somsebenzi (qaphela ukuba kukho amaqela ahlukeneyo ekwabelana ngokuxhasa imali kunye nabahlawuli- mali abenza imali engaphezulu yokusebenza kunye neqela lolawulo lwe-asethi).
- Vula i- Roth IRA okanye i-IRA ye-Traditional kwi -firm firm kwaye uyisebenzise ukuthenga amashishini e-equity fund.
Njengokuba kunye neengxowa-mali eziqhelekileyo, iimali zokuthengiswa kwemali zorhwebo zifunwa ukusabalalisa yonke ingeniso yemali kunye nokufumanisa ixabiso lentengo (ukuba ikhona) kubanini-zimali ngamnye ngonyaka. Ngenxa yoko, kufuneka ukhangele ukubuya kwakho konke , kungekhona nje intengo yesabelo, ekhohlisa ngokuxhomekeka kwinqanaba lezabelo ezenziwe kwithuba elithile. Iifama ezininzi ze-brokerage kunye nazo zonke iinkampani zenkxaso- mali ziya kukuvumela ukuba uvuselele ngokuzenzekelayo nayiphi na isabelo, ngokupheleleyo okanye inxalenye, kwizabelo ezininzi ze-fund ukwenzela ukwandisa ubunini bakho buninzi kwixesha.
Inani elincinci lokutshala imali ukuqala ukufumana le mali iyahluka, kodwa kwiimeko ezininzi (ingakumbi kuma-akhawunti asetshenziselwa umhlalaphantsi), zinokuba ziphantsi nje nge-$ 250 ngokukhawuleza ukuhoxiswa kwe-akhawunti kwi-akhawunti yakho yokugcina okanye ukujonga i-akhawunti engama-$ 50 okanye ngaphezulu ukukunceda ukwakha utyalo-mali. kwiphothifoliyo ngokuhamba kwesikhathi. Ukuba kuthengwa nge- akhawunti ye- vanilla yemali ye-brokerage , ubuncinane bunokuba yi-$ 1,000, i-$ 2,500, i-$ 5,000, i-$ 10,000 okanye i-$ 25,000. Iingxowa-mali zemali zeziko zingaba ne-mali engama-1 000 000 okanye i-$ 10,000,000.