R Yabelana ngeNgxowa-mali Iingcaciso, iiNzuzo kunye neziNzuzo
Uyazi kakuhle ezinye zeeklasi eziqhelekileyo zeengxowa-mali , ezifana neKlasi A, iCandelo B okanye iCandelo C.
Kodwa yiyiphi imirhumo e-R kwaye nini na ukulungele ukutshala imali kunezinye iiklasi zezabelo?
R Yabelana nge-Mutual Funds Inkcazo
Izabelo zezabelo zeR ziyinxalenye yesabelo seemali eziqeshwe njengeklasi yomhlalaphansi, ngoko ke incwadi 'R.' Iingxowa-mali ze-R share class zifumaneka kuphela ngesicwangciso somhlala-phantsi esixhaswe ngumqeshi, njengesi-401 (k). R ukwabelana ngemali kunye nemali engenayo imithwalo (oko kukuthi umthwalo wokugqibela, umthwalo wokugqibela okanye umthwalo) kodwa baneemali ezi-12b-1 eziqhelekileyo ukusuka kwi-0.25% ukuya kwi-0.50%.
I-Family share yengxowa ye-R yabonwa ngo-401 (k) izicwangciso zeMali zeMelika. Ngokomzekelo, unokubona i-American Funds Growth Fund yaseMerika okanye i-American Funds Abanini-mali abakhulu okanye i-American Funds Small Cap World kwi-R1, R2, R3 okanye i-R4.
Ngaba ufanele uthenge iR Share Mutual Funds?
R Yabelana ngeemali zengxowa-mali zenziwe zifumaneke kwi-401 (k) izicwangciso ngenxa yokuba iimali ezixhasayo ezihlawulwayo azivumelekanga kwizicwangciso zomhlala-phantsi ezixhaswe ngumqeshi.
Ngako oko, iinkampani zenkxaso-mali ezixhasayo zixhaphaza imali ehlawuliswayo, ezithengiswa kakhulu ngabadayisi basekhomishini, beza kunye neklasi R -share ukuze bajikeleze loo ngxaki.
Nangona izabelo zeR zingenakho ukulinganisela kweendleko ezifanelekileyo, kwaye zingcono kunokuba zisetyenziswe ngemali yemithwalo, njengezizabelo zeA, i-B izabelo okanye izabelo zeC , ziyakuthi ziphakame ngaphezu kweenkcazo zemali.
Ngokomzekelo, i- American Funds Growth Fund yaseMelika R1 (i-RGAAX) inexabiso lentengo ye-1.44%, elingaphantsi komyinge wezimali zokukhula ezilawulwa ngokuthe ngqo.
Nangona kunjalo, thelekisa loo ngxelo ye- Vanguard Growth Index (VIGRX), enexabiso lentengo ye-0.18%, kwaye unemihluko ye-1.26% ngokuphathelele i-VIGRX. Ngethuba lexesha, umlinganiselo omkhulu weendleko zeNgxowa-mali ye-R iya kuba yinto enkulu yokudonsa ekusebenzeni kwaye iyakwazi ukuguqulela kumawaka eedola ezingaphantsi kwinzuzo epheleleyo kwixesha elide.
Ngaphantsi kwe-Investment kwiR Share Shareual Funds
Kungengqiqo ukufumana inzuzo nayiphi na iminikelo ehambelanayo nomqeshi angayenza xa unika isandla kwi-401 yakho (k). Nangona kunjalo, qiniseka ukuba ubeke ingqalelo kwiindleko, ngakumbi ukuba akukho mlinganiso womqeshi. Ngoko ke, unokhetha ukuvula i-akhawunti yakho yokuthatha umhlalaphantsi, njenge-Akhawunti ye-Retirement Individual (IRA), kwenye yeyona nkampani engcono kakhulu engekho mthwalo .
Kodwa ukuba ufuna ukusebenzisa inzuzo yomqeshi wakho we-401 (k), kunye ne-R share funds iyona yodwa, unokusasebenzisa kwaye ufumane eyona nto ifanelekileyo ehambelana neenjongo zakho kunye nokunyamezela. Nangona kunjalo, kunikwe ukhetho phakathi kwama-R kunye ne-index-cost cost index, abaninzi abatyalo-mali banokuzikhethela ukukhetha inkcazo yeengxowa-mali, ingakumbi ukuba utyalo-mali ixesha eli-10 okanye ngaphezulu.
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.