Izinto eziphambili Zonke iimali-mali kufuneka zikwazi malunga neNgxowa-mali
Enoba ungumalimi-mali okanye oqalayo, mhlawumbi uyazi ukuba kukho amawaka eemali ezidibeneyo zokukhetha kwiinkcukacha ezininzi. Nangona kunjalo, kukho izinto ezintlanu ezisisiseko ukuba ngamnye umtyalomali kufuneka azi ukuba uphumelele ngokutshala imali kwiimali.
01 Ukuqalisa: Utyalo-mali kunye ne-Mutual Funds
02 Yazi Ingozi Yakho
Isizathu sokuba kutheni iimali ezininzi zihlala zibonelela ngokuphindaphindiweyo kwexesha kunokuba utyalo-mali oluqinisekileyo lubangelwa yi-premium yengozi ehlawulwa kubatyalomali. Le premium iza ngendlela yembuyekezo ephezulu ehambelana nokwamkela umngcipheko wemakethi, okuyiyo mngcipheko wokulahlekelwa isabelo esithile okanye yonke imali esele isalwe imali.
Umngcipheko omkhulu kuwe njengomtyalo-mali, nangona kunjalo, unokuba nawe . Qaphela ukuba "ukuxoshelwa ukusebenza," yinto yokuthambekela komntu ukuqhubeka nokufuna nokuthenga iimali eziphezulu kakhulu xa uthengisa ii-under-performing ones. Khumbula ukuba utyalo-mali akufanele lube mnandi, kufuneka lube ludaka. Iphule kwaye ihlale iphumelele umncintiswano!
03 Ukuthenga amabhasikidi: Ukudibanisa, ukuchitha, ukuchithwa!
Iimali zengxowa-mali zifana neebhaskethi zotyalo-mali kuba enye enye ingxowa-mali iya kutyalomali kwiininzi okanye amakhulu amabhithi kunye / okanye amabhondi, ekuthiwa "ukubamba." Kukho iimali ezininzi ezidibeneyo ezahlukileyo ngokwaneleyo ukutshala inxalenye enkulu yokulondolozwa kwakho okunzima; nangona kunjalo yinto efanelekileyo yokusasaza ingozi yakho (idibanisa) kwiintlobo ezahlukeneyo zeengxowa-mali , ezifana neengxowa-mali, iifom ze-bond kunye nemali yemarike yemali.
04 Yazi Imithwalo kunye neNdleko
Iindleko ezinxulumene nokuthengwa nokuthengisa iimali zengxowa-mali ziyahlukana zibe ziintlobo ezine ezisisiseko:
Imithwalo yangaphambili: Ezi zihlawulwe ngaphambili (ngexesha lokuthenga) kwaye zinokufikelela kwi-5% okanye ngaphezulu kwexabiso elityalomali. Ngokomzekelo, ukuba utyalomali i-$ 1,000 ngemithwalo yangaphambili ye-5%, isixa somthwalo siya kuba yi-$ 50.00 kwaye ngoko utyalo-mali lwakho lokuqala luya kuba yi-$ 950.
Imithwalo yangaphambili: Ezi zihlawulwe kuphela xa uthengisa i-fund. Kwakhona kuthiwa iindleko zokuthengisa ezithengiswayo, imithwalo yangemuva ihlala kwindawo e-5% kwaye ingahla okanye iyancitshiswe ibe yintsuku ngaphezulu kwexesha, ngokuqhelekileyo emva kweminyaka emihlanu okanye ngaphezulu.
Akukho Mthwalo okanye Umthwalo oye wanyulwa: Njengoko igama lithetha, le nxalenye yeendleko zemali ayikho imithwalo yangaphambili okanye imithwalo yangemuva.
Ukulinganiswa kweendleko: Akukho yonke imali ehlawulisa imithwalo; nangona kunjalo kukho iindleko eziphantsi kwayo yonke imali. Ixabiso lentengo eliphakathi kwe-1.50% (i-$ 1.50 nganye i-$ 100) kwiimpahla zengxowa-mali kunye kunye nolawulo oluqhubekayo lwe-fund. Kwakhona, ngamanye amaxesha kubandakanywa kwixabiso leendleko ngumrhumo osebenzayo, obizwa ngokuba ngumrhumo we-12b-1.
Ukusebenza kwangaphambili akukho Isiqinisekiso seMiphumo yexesha elizayo (Kodwa Kubalulekile Ukukwazi)
Sonke sibone i-disclaimer malunga nokusebenza kwangaphambili. Nangona kunjalo, utyalo-zimali-mali uya kugqithisa ukusebenza kwangaphambili ekuhlolisweni kwabo kokuqala ngaphambi kokuthenga. Ukuphonononga ixesha elide, njenge-5 kunye ne-10, kwaye uqhathanise ukusebenza kunye neminye imali kwididi enye. Kwakhona kubalulekile ukubona ukuba umphathi ude kangakanani kwi-fund. Ukuba, ngokomzekelo, ufumana inkxaso-mboleko ngeminyaka emihlanu yokubuya kodwa ixesha lolawulo kwi-fund, elibizwa ngokuthi "umphathi wenkampani," ngumnyaka owodwa kuphela, lo mlawuli omtsha akakwazi ukunikezelwa ngetyala kule minyaka emihlanu yokusebenza .