Indlela Yokuzuza Ngokusebenzisa Ukulinganiswa Kwemveliso
Kukho ezininzi iinani lamanani kunye namanyathelo okuhlalutya imali , kunye nezinye zazo azikho imfuneko ekutsaleni impumelelo. Nangona kunjalo, ukuba uyayazi umlinganiselo wokubuyiswa kweengxowa-mali, uya kubonisa izinto ezimbalwa ezibalulekileyo malunga nekhono lezimali kwixesha elizayo, kubandakanywa ukusebenza kunye nerhafu.
I-Mutual Fund yokuBhaliswa koBanzi Inkcazo
Ukulinganiswa kokubuyiswa kwemali yenkxaso-mali kunye nomlinganiselo wenkxaso-mali oyingqungquthela yomlinganiselo wenkxaso-mali ekhoyo yatshintshwa (iphendulwe) ngunyaka odlulileyo. Ngokomzekelo, ukuba ingxowa-mali yokubambisa iifaki ezi-100 ezihlukeneyo kunye ne-50 zazo zatshintshwa ngonyaka omnye, umlinganiselo wenzuzo uza kuba ngama-50%.
Yiyiphi i-Low Ratio Ratio Means Means for Mutual Funds
Inani eliphantsi lokuthengiswa libonisa isicwangciso sokuthenga kunye nesigxina sezimali eziphathekayo eziphathekayo kodwa ngokuqhelekileyo zihambelana nemali elawulwa ngokunganyanzelwanga , njengemali yenkcazo kunye ne- Exchange Traded Funds (ETFs) . Ngokubanzi, kunye nazo zonke ezinye izinto zilingana, i-fund eneentengo eziphezulu zentengiso ziya kuba neendleko eziphezulu zokurhweba (njengoko zilinganiselwe yi- Expense Ratio ) kunye neendleko eziphezulu zerhafu, kunengxowa ngemali engaphantsi. Oku kungenxa yokuba imisebenzi eninzi ibangelwa kukuphanda nohlalutyo olongezelelweyo, oluneendleko zalo.
Iimveliso zihlala zifumana iimali zokuthengiselana nazo.
Isishwankathelo, inzuzo engaphantsi iguqulela kwimbuyekezo ephezulu yempahla kuba ihlala iguqulela kwiindleko ezincinci eziphantsi kokulawula i-fund. Ngako ke, imali yokugcina imali ingadluliselwa kwi-share fund fund.
Iindleko eziphezulu zerhafu zivela kwimali eyinzuzo eyinzuzo , ezirhafu ezivela kwi-joint fund fund ukuthengisa izithenxo ngaphakathi kwiphothifoliyo enenzuzo.
Ezi zerhafu zidluliselwa kumtyalomali.
Amanqanaba aphezulu aphumayo ngokusekelwe kuhlobo lwe-Mutual Fund
Ezinye iintlobo zeengxowa-mali okanye iindidi zemali ezifana neengxowa-mali kunye neengxowa-mali ze-stock stock, ziza kuba neentengo eziphezulu zentengo (ukuya kuma-100% okanye ngaphezulu) ngelixa ezinye iintlobo zeengxowa-mali, ezinjengeenkcukacha zenkxaso-mali, ziya kuba neentengo eziphantsi ( ngaphezu kwe-10%) xa kuthelekiswa nezinye iindidi zemali.
Ngokuqhelekileyo, kuzo zonke iindidi zengxowa-mali, umlinganiselo ophantsi we-revenue ratio ungaphantsi kwe-20% ukuya kwi-30% kwaye inzuzo ephezulu ingaphezu kwe-50%. Iimali zee-Index kwaye ezininzi ii-ETFs zihlala ziba neerati ezingaphezulu kwe-5%. Kodwa indlela engcono yokufumana ingeniso efanelekileyo yoluhlobo lwengxowa-mali eyimfuneko yenzelwe ukwenza "iipulole kwiipulo" ukuthelekiswa nezinye iimali ezikwinqanaba elifanayo. Ngokomzekelo, ukuba umyinge wesikolo-mali esincinci sesincinci sinomlinganiselo we-90%, unokukhetha ukufumana iimali ezincinci zemali kunye neempembelelo ezingaphantsi kwelo phawu eliphakathi.
Njengamanani amaninzi amanani asetyenziselwa ukuhlalutya iimali zentsebenziswano, umlinganiselo werhafu awukwazi ukusetyenziswa ngokwahlukileyo ukucacisa ukufaneleka kwanoma yiyiphi ingxowa-mali. Abatyalomali banobulumko ukuphanda nokuhlalutya ezinye iimpawu ezinokulinganiswa kweengxowa-mali.
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.