Yiyiphi i-ICI kunye Nento abayenzayo kubarhwebi?
I-ICI yaba khona ngenxa ye-Investment Act ka-1940, eyadluliselwa yiNgqungquthela ekuphenduleni i-stock market ye-1929 ne-Depression Great Depression. Icandelo loMthetho we-1940 kwakukusekwa ukubeka uxanduva lweekomiti zotyalo-mali, kunye nenjongo ephambili yokuthintela enye ukuphazamiseka kunye nokunciphisa umnotho. Umthetho we-1940 wadala iKomiti yeSizwe yeNkampani yezoTyalo, eya kuba yi-ICI yanamhlanje.
Oko i-ICI iyenzayo kunye nendlela abanokuzuza ngayo abatyali-mali
I-ICI ingaba ngumthombo obalulekileyo wolwazi kubalimi-mali, abacebisi-mali-mali kunye neenkampani zokutyalomali. Olunye ulwazi luquka uphando kunye neenkcukacha, iindaba kunye neziganeko, imfundo, kunye nemibuzo ebuzwa rhoqo. Isishwankathelo, i-Investment Company Institute inomthombo ocebileyo wolwazi kunye nemfundo yabanini-mali abanini-mali, abacebisi-mali-mali, abaphathi bemali, kunye nenkampani yokutyalomali.
Nazi ezinye zezona zixhobo eziphambili ze-ICI abatyala imali abangasebenzisa ngenzuzo yabo:
- Uphando kunye neengxelo: Kungakhathaliseki ukuba ungumtyalo-mali ufuna ulwazi malunga nokutyalomali kwiimali zoqhagamshelwano okanye umbhali otyalo-mali ofuna iingxelo zophando ukuxhasa isihloko osibhalayo, iphepha le-ICI yophando lwe-Industry lingaba yindawo efanelekileyo yokuqala.
- Uphando loTyalo-mali: Ukuba ukhangele imimiselo yokuziphatha kotyala-mali, njengezentengiselwano zorhwebo, okanye nayiphi iindleko zemali-mali kunye ne- ETFs abatyali-mali abathengayo kunye nokubamba ngoku, i-Investment yeNkampani yeNtsha ye-Investment yeyona nto inokubaluleka.
- Ushicilelo kunye Nezibonelelo: Ukuba ufuna iifom zamaphepha zamva nje, iingxelo zoshishino okanye imibuzo ehlala ibuzwa kwiimali ezihlangeneyo, ii-ETF, iimali ezivaliweyo, kunye nokunye, uya kuba nokufikelela ngokukhawuleza phantse nayiphi na ingcaciso yolwazi oluyidingayo.
Kukho ezinye izibonelelo kunye nezixhobo ezikhoyo nge-ICI, ezininzi zazo ezikwimimandla yazo kwi-www.ICI.org. Yaye ukuba awuqinisekanga into oyifunayo okanye apho ungayifumana khona, indawo ye-ICI inesitorelo sokukhangela ukukunceda ukwazi ukufumana ulwazi oluchanekileyo olunokukunceda.
Indlela yokusebenzisa ingxelo ye-ICI 'Fund flows'
Ukuhamba kweNgxowa-mali iyigama elisetyenziselwa ukuchaza ukuthenga (ukungena) kunye nokuhlenga (ukuphuma) kweemali kubalimi-mali. Abatyalomali kunye nabaphathi bemali babona ukuhamba kweengxowa-mali ukulinganisa iimpawu kunye nomva-mali-mali kumgangatho othile we-asethi (amasheya, iibhonki okanye ikheshi), isitayela semali (ukukhula okanye ixabiso) lwendidi yeengxowa-mali, ezifana neempahla zase-US, izitokhwe zamazwe ngamazwe, iitokhwe ezinkulu , izitokhwe ezincinci, kunye njalo.
Ngokomzekelo, ukuba i-inflows iphakamileyo, okanye ingaphezulu kwemilinganiselo, oku kungabonakalisa ukuvakalelwa kweentengiso ezilungileyo. Okanye, kwiimeko ezimbi kakhulu, xa ukuphuma kufikelele kwiirekhodi eziphezulu, umtyalo-zimali angayifumana le nto njengotyikitya kwimakethe inokuphakanyiswa kwaye ilungele ukungena ekulungiseni okukhulu. Ukuchasene kuyinyani: ukuphuma kwamanqanaba angaphantsi kwe-average kubonisa ukungaxhamli komnini-ntengiso kwaye ukuphuma kwerekhodi kungabhekisela kumakethi aphantsi, kubonisa ixesha elifanelekileyo lokuthenga izabelo.
Igama lokugqibela ngokusebenzisa i-ICI njengoNcedo
I-ICI inomdla ekukhuthazeni ukusetyenziswa kweengxowa-mali; Ngoko ke, banomdla ekusebenziseni uluntu ngemali, kunye ne-ETF, iimali zokuvalwa, kunye nee-UIT. Nangona kunjalo, ii-ICI ayikho inkampani yokutyalomali kwaye ayithengisi iimveliso zentalo-mali. Ngoko ke, abatyala-mali, abacebisi-mali-mali, kunye namalungu eendaba ezithemba ukuba ulwazi olukhoyo kwi-ICI luyinyani nolwazi oluchanekileyo.
Njengoko naluphi na uhlobo lotyalo-mali, ukuphanda iimali kunye kunye nezinye iimali-mali kufuneka zenziwe ngokusebenzisa izixhobo ezahlukeneyo ngaphambi kokuthatha isigqibo sokugqibela sokutshala imali kwingxowa-mali ethile. Iimpawu ezingapheliyo zokungafani , i- dollar-cost cost , kunye nezicwangciso zexesha elide kufuneka zikhokele izigqibo zotyalo-mali. I-ICI iya kuvuma nale ngxelo.
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.