Indlela yokufumanisa nokukhusela imali
Ingxowa yeNgxowa-mali ivela xa umtyalomali enesibini imali okanye ngaphezulu kunye neenjongo ezifanayo kwaye ngoko ke zinamalungelo amaninzi afanayo. Ngokomzekelo olula, ukuba umtyalo-mali unemali emzimbeni emibini kunye kwaye bobabini batyale imali kwiimpahla ezifanayo, ukufana kufana nemiphumo yokunciphisa iintlobo zeentlobo ezahlukeneyo ngokunyuka kweempahla ezifanayo-ukunyuka okungafunekiyo kwimarike yemarike .
Cinga ngomzobo weVenn kunye nezijikelezo ezimbini, ngamnye omele i-fund fund, ehamba phakathi. Njengomtyalo-mali, awufuni into emininzi ye-intersection phakathi kweesangqa-ufuna imali encinci yokwenjenjalo.
Indlela yokuyijonga kwaye igweme iNgxowa-mali
Indlela elula kakhulu yokufumanisa nokukhusela i-fund kukhangela ukujonga iindidi zeengxowa - mali ukuze kuqinisekiswe ukuba imali yakho yokubambisana ayifani neenjongo ezifanayo. Umzekelo, zama ukungaba ne-stock-one-cap-stock okanye isikhombiso-mali, enye ingxowa-mali yesinye isizwe, isikhwama esisodwa se-stock-stock, isikhwama esisodwa se-bond, kunye njalo.
Ukuba ukhetha ukuba nemali emininzi, okanye unama-401 (k) isicwangciso ngokukhetha okuncinci, unokubona ukuxhamla kwezimali ngokujonga enye yezona ndawo ziphandeleleyo zophando zokuhlalutya imali kunye kunye nokukhangela umlinganiselo wesantya obizwa ngokuba ngu- R-squared ( R2) .
U-R-squared uza kukuxelela utshintshelo oluthile lotyalo-mali kunye (ukufana) kunye nendawo yokutsalwa.
I-R-squared ye-100 ibonisa ukuba zonke iindleko zeengxowa-mali zingachazwa ngokunyakaza kwi-index. Ngoko ke, ukuba unayo i- Fund ye- S & P 500 Index , qiniseka ukuba ezinye iimali kwipotfoliyo yakho ayinayo i-R square engaphezulu kwe-100. Oku kuya kubonisa ukuba inqanaba leengxowa-mali lenza ukuba zombini imali ikwazi ukwenza ngokufanayo.
Khumbula, ngenxa yokungafani kakuhle - ukunciphisa umngcipheko wemakethe - ufuna ezinye iimali "zig" xa abanye "beza".
Umzekelo wokungaqhubeki usebenzisa i-R-squared kwi-Morningstar
Abantu abaninzi banama-401 (k) amacebo okanye iIRAs eVanguard. Ukhetho oluqhelekileyo lokutshala imali nguVanguard S & P 500 Index (VFINX). Kuthekani ukuba omnye ukhetho kwisicwangciso bekuyiVanguard Growth Equity (VGEQX)? Ngaba ubungayazi ukuba kukho i-overlap? Masifunde. Unokuya kwi-Morningstar.com uze ufake i-VGEQX. Kanye kwiphepha eliphambili lephepha, khangela ikhonkco kwi "Ratings and Risk" kwaye nqakraza kuyo. Kanye kwiphepha, pheqa phantsi uze ubone ukuba i-R-squared i-97.
Le nombolo ibonisa ukuba iVGEQX ine-97% yokulungiswa kwamanani entengo kwi-S & P 500. Ngamanye amagama, kunomhlala-mali omkhulu wokuba uhlawule ngokufanelekileyo. Khangela ukhetho olukhethiweyo lwemali (ungasebenzisi zombini i-S & P 500 Fund kunye neVGEQX)!
Enye indlela yokufumanisa ukuba ikhona ingxowa-mali ekhoyo ikhona ukuqinisekisa ukuba awunayo imali engaphezulu kweyodwa elawulwa ngumphathi-mali omnye. Kungakhathaliseki ukuba umntu okanye iqela eliqaqambileyo linjani, abaphathi beengxowa-mali babambene nefilosofi ezithile kunye neendlela abangaqhelekanga ngazo.
Kwinqaku lokugqibela, qiniseka ukuba ubeka ingxowa yefowuni ngexesha, njengonyaka owodwa.
Nangona imali ephothifoliyo yakho yayinamazinga aphantsi okungafihli xa uqala ukuyithenga, akuthethi ukuba izitayela zazo aziyi kuqhubana. Oku kubizwa ngokuba yi- style drift kwaye akuqhelekanga. Ngokomzekelo, isikhwama se-stock-cap cap sihamba ngokukhawuleza sibheke kwiqela eliqhelekileyo njengendlela umphathi wezezixhobo ezithengayo ngokuthe ngcembe uthengisa amasheya ezinkampani ezinkulu.
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.