Indlela yokwazi ukuba i-Mutual Funds 'yi-Aggressive Growth'
Ngoko ke abatyala-mali basakhulayo abanokulindela ukubona ukunyaniseka okuphezulu (kulinganiswa nge- beta ) kunokuba isicwangciso sokukhula jikelele.
Ngokwemigaqo elula, isicwangciso sokutyalwa kweengxowa-mali zobudlelwane obundlobongelayo sinomngcipheko ophezulu onxulumene nezinye iimali kodwa unakho ukubuyiswa okuphezulu.
Indlela yokwazi iNgxowa-mali yakho yiNkqubela yokuKhula
Uninzi lweemali zobudlelwane bezivumelwano ezikhulayo zinegama elithi "ukukhula kobudlova" okanye "ukuxabisa okukhulu" okanye "ithuba elikhulu" okanye "ukulingana okucwangcisiweyo" ngaphakathi kwegama le-fund. Nangona kunjalo, oku akusoloko kunjalo. Ukuqinisekisa ukuba ingxowa-mali ethile yinkxaso yokukhula ngamandla, umtyalo-mali unokukhangela enye yezona ndawo zizezona zixhobo zokucwaninga ngeengxowa-mali kunye nokukhangela ukukhankanywa okuthe ngqo "kokukhula kanobudlova" phantsi kweNjongo yeFund. Abatyalomali bangaphinda bajonge injongo echazwe kwi- prospectus ye-fundus okanye bangaya ngqo kwiwebhusayithi yentsapho ye-fund kunye nokufumana injongo apho.
Abatyalomali kufuneka baqaphele ukuba i-fund fund kunye namazwi athi "ukukhula ngokukhawuleza" egameni layo inokuthi ibe (kwaye kaninzi ikwahlukileyo) njengeqela lokukhula.
Kukho umehluko kwintetho kunye nenjongo: Ngokwemigaqo elula, idilesi yileyibhile yokubhekisa kunye nenjongo isicwangciso-mali okanye ifilosofi. Ngoko ke, ukuba sele usenayo isikhwama sokukhula kwipotfoliyo yakho, usenokungafuneki isikhwama sokwanda ngamandla. Bona i-stock overlack for more cautions xa ufumana imali kunye neenjongo ezifanayo zokutyalomali.
Indlela efanelekileyo yokuqinisekisa ukuba unesixhaso esinokukhuseleka kukujonga i- beta yayo, enomlinganiselo wentshukumo ethile yeengxowa-mali (ups and downs). Ukubhekisela, imarike inikwe i-beta ye-1.00. Isibonelelo sokukhula esikhuselekileyo siya kuba ne-beta ngaphezu kwe-1.00, njenge-1.10 okanye ngaphezulu.
Iimzekelo ze-Aggressive Growth Mutual Funds
Ngeenjongo zokungafani, umtyalo-mali uya kukhangela ingxowa-mali yokukhula enobudlova efaka imali kwi-stock-caps okanye i-stock-caps. Ukuqiqa oku kukuthi mhlawumbi uya kuba nekhredithi enkulu ye-stock fund esele iphothifoliyo yakho. Awudingi ngokwenene ngaphezu koko. Imizekelo embalwa ibandakanya ukuBaluleka kweNkcazo yeNkcazo (FDCAX) kunye neVanguard yeCandelo lezoBulungisa (ii-VSEQX). I-FDCAX ine-beta (xa kuthelekiswa neS & P 500) ye-1.14 kunye ne-VSEQX ine-beta ye-1.24. Zomibini ziyi-capital stock cap kunye neenjongo zokukhula kobudlova. Idatha ivela kwi- Morningstar, Inc.
Uya kufuna kwakhona ukwazi ukunyamezela kwakho ingozi ngaphambi kokuba ucinge ngokufaka isalathiso esinokukhusela kwi-fundfolio yakho.
Debunking i-Dave Ramsey I-Concept Growment
Izicwangciso zokutshala imali kunye neengcamango zivame ukuba zinkimbinkimbi kwaye ifilosofi yokutshala imali kaDave Ramsey yenza izinto zibe lula ukuqala utyalo-mali.
Enye into ebalulekileyo yePortfolio yeDave Ramsey Mutual Fund yinto elula. Bonke abatyali-mali bafuna ukwazi ukuba baneemali ezihlangeneyo-inkxaso-mali eyodwa yokukhula, isikhwama esisodwa sokwanda , ukukhula okunye kunye neengxowa-mali kunye ne- fund eyodwa. Nangona kunjalo, kwimbono yakho ye-Mutual Funds Guide, iziganeko ezintle zimile apho.
Ukukhula okunyukayo akusiyo isigaba esisemthethweni senkxaso-mali kodwa kufana nesitayela sokutyalomali. Oku kuya kudideka kwaye kungabungozi kubatyalimi abaninzi. Ngokomzekelo, ezinye iimali zesikhwama sokukhula zingaqwalaselwa ukukhula kobudlova. Umtyalo-mali oqhelekileyo akayi kubona ngokucacileyo umahluko. Ngoko ke kulula kulula ukuba iguqulele ngokubhetele . Iingcebiso zotyalo-mali zikaDave Ramsey zingabakhohlisa ngobuqili. Unokufuna ukuthatha imizuzu embalwa eyongezelelweyo kwaye ujonge enye indlela, indlela eyahlukeneyo yokwakha iphothifoliyo yemali .
Qaphela kwakhona: Isibonelo sePorfolio ye-Mutual Fund
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.