Oko Kufuneka Ukwazi Nge-Beta ye-Mutual Fund
I-Mutual Funds Beta Inkcazo kunye neMzekelo
I-Beta, ngokubhekiselele ekutyalweni kwemali-mali, ngumlinganiselo wenkqubela ethile yeengxowa-mali (ups and downs) xa kuthelekiswa ne-market. Ukubhekisela, imarike inikwe i-beta ye-1.00.
Ukuba i-bhokisi ye-fund, okanye i- Morningstar ethi "i-beta efanelekileyo," yi-1.20, oku kuxelela umtyalo-mali ukuba banokulindela ukuba i-fund ilinganiselwe ukuba ibe neenzuzo ezingama-20% ngaphezulu kwe-index kwi-market kwaye i-20% ephantsi ukuthengisa.
Ngokomzekelo, ukuba i-"index-fit fit index" i- S & P 500 kwaye isalathisi sinokubuyiselwa kwe-10% kulo nyaka, umtyalo-mali uza kulindela i-fund nge-beta ye-1.20 ukuze kubuyiselwe i-12%. Ngakolunye uhlangothi, ukuba i-S & P 500 isalathisi yehla ngo-10% ngunyaka owanikwa ngawo, i-fund nge-beta ye-1.20 iya kulindeleka ukuba iwele kwi-12% ngaloo nyaka.
Ukusetyenziswa kweMetual Fund Beta
Umtyalo-mali ohlangeneyo unokusebenzisa i-beta ekucwangceni ukhetho lwabo mali ukucacisa ukungaxhamli kwengxowa-mali kwaye ukuthelekisa ubunzulu bayo ekuhambeni kwixabiso lemarike. I-Beta ingaqwalaselwa njengomlinganiselo wobuzwe obuninzi okanye ukungazinzi. I-Beta iphakame ngaphezu kwe-1.00 iya kubonisa ukuphakama okuphakamileyo kodwa i-lows ephantsi (i-swings width in price or NAV for funds funds). Umtyalo-mali ohlangeneyo okhangela i-fund nge-volatility encinci (ukungena ngaphantsi kwexabiso okanye i-NAV) unokufuna iimali kunye ne-betas ephantsi kwe-1.00. I-Beta isetyenziselwa ukucwangcisa ulwahlulo lweengxowa- mali kwaye ingasetyenziselwa njengenxalenye yenkqubo yokwakha iipotfoliyo yemali .
Ngaba kufuneka usebenzise i-Beta ngokukhetha iNgxowa-mali?
Ngoku ukuba uyazi izinto ezisisiseko, umbuzo ohleliyo, ngaba ufanele usebenzise i-Beta ukuze uphando ngeemali ezihlangeneyo? Isishwankathelo, i-Beta yinkalo yesalathisi enokuba luncedo kakhulu ekujonganeni nobunzima kunye neenjongo zokulinganisela umngcipheko / ukunyaniseka kodwa iBeta ayikho imfuneko yokwakha iipotfoliyo enkulu yemali .
Umngcipheko jikelele wepottoliyo owanikwayo uzimisele ngokunikezelwa kweefa ezahlukeneyo (indlela udibanisa ngayo iintlobo ezahlukeneyo zeemali kunye).
Umgca wokuba uqinisekise ukuba iimali zakho ezizimeleyo azizinayo iinjongo ezithintekayo (azinjalo ngokufanayo). Ukwenza oku, khetha kuphela iimali ezivela kwiindidi ezahlukeneyo zeengxowa-mali. Ukuthatha inyathelo elongezelelweyo, ungasebenzisa kwakhona imali yenkcazo apho kunokwenzeka khona. Oku kuqinisekisa ukuba akuyi kuba khona "isitayela sokuhamba." Ngamanye amagama, uyazi ukuba ufumana ntoni xa uthenge i-index index. Nangona kunjalo, i -fund elawulwa ngokunyanisekileyo ingancinci kodwa ngokuqinisekileyo itshintshe isitayela sayo okanye injongo phezu kwexesha.
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.