Fumana ukuba iifowuni zoLuhlu luyindlela efanelekileyo yoTyalo-mali
Indlela yokuchonga iindidi ze-Blend Funds
Iimali ezixhaswa ngempahla zihlukaniswe ngesitala sabo sokutsalwa, ukukhula okubalulekayo okanye ukubaluleka, kodwa zikwahlulwa ngemali yeemarike zabo, eyaziwa nangokuthi "ikhampani yemali," efana nobukhulu boshishino okanye iqumrhu elilingana nexabiso lentengo ngamaxesha aphindayo izabelo ezibalaseleyo.
Iimali zengxowa-mali zikwahlula njengeqela elikhulu, i-cap-middle, okanye i-cap-small.
Okulandelayo kuvela ukukhula, ukubaluleka okanye ukuxubanisa inkcazelo. Umzekelo umxokelelwane omkhulu wokuxuba luya kuba ngowona-mali oluthile lokutsalwa kwixube lokukhula kunye nemigodi yexabiso elininzi kwi-capitalism (okanye nje "amasheya amakhulu").
Ngokuqhelekileyo imali ephezulu yenkcazo, njengeVanguard 500 Index (VFINX) okanye i- Fidelity Spartan 500 Index (FUSEX), ihlelwe njengemali yokuxuba ngenxa yokuba, ngokwezihlobo zendawo yokukhula kunye nemigodi yexabiso.
Ukwahlukana phakathi kweeNgxowa zee-Blend, i-Hybrid Funds kunye ne-Equity Fund
Nangona ukudibanisa iimali kubamba umxube weendlela ezahlukeneyo zokutyalomali, azifani neengxowa-mali ezilinganisiweyo okanye i- hybrid funds .
Iingxowa-mali ezilinganisiweyo kunye ne-hybrid funds zifana nokuba ziyimali yokwabiwa kwempahla, oko kuthetha ukuba ukwabiwa kweefa kuhlala kusele kwaye kusebenza injongo ekhankanywe okanye isityalo-mali. Ngokomzekelo, i-fund echanekileyo yengxowa inokutyalomla kwimxube egciniweyo yexabiso lempahla-mali, njengama-stock% 40, iibhondi ezingama-50 kunye ne-10% yemarike yemali.
Nangona kunjalo udibanisa iimali ezivame ukutyalwa kwinqanaba le-asethi elilodwa kuphela, elinezikhokelo (ezibizwa nangokuthi "amanani"). Kwakhona, izitokethi kwiimali ezidibeneyo ziya kubandakanya kokubili ukukhula kunye nexabiso lempahla.
Nangona iimali ezinokulinganisela zingaqukatha ukukhula kunye nempahla yexabiso, baya kubamba ubuncinane amabhondi kunye / okanye imali.
Ngaba Ufanele Utyalole kwiiNgxowa zeMpahla?
Iimali ezixhamliweyo zingenakuba yinto ekhethekileyo kubo bonke abantu kodwa zihlala zilungele ukuba abatyalo-mali bangexesha elide ngenxa yezohlukeneyo zabo.
Abatyalomali abakufanele baphephe ukutyalomali kwiimali ezidibeneyo ngabo bazinzileyo (banqwenela umngcipheko wexabiso lentengiso) okanye abo baya kutyalombela ixesha elifutshane, njengengaphantsi kweminyaka emithathu. Ingqiqo apha kukuba ukuxhamla iimali ngokuqhelekileyo zigcinwe ngama-100%. Kwaye njengento yokhetho lokutshala imali, ukuxuba imali akuyona ingcamango efanelekileyo kubaxhasi-mali kunye nokunyamezela okuphantsi komngcipheko okanye ixesha elifutshane lotyalo-mali.
Nangona kunjalo, ukudibanisa imali, ngokukodwa inkcazo zemali, kunokukhetha ukhetho olufanelekileyo lwabaqalisi abaneenjongo zexesha elide kunye nokunyamezela ngokunyanisekileyo kwengozi. Iimali zoxilongo nazo zikhethiweyo ezifanelekileyo zokusebenzisa njengento ebalulekileyo ekubambeni kuyo ukwakha iipotfoliyo ezihlukeneyo zeemali ezihlangeneyo, ezinokubandakanya ezinye iintlobo zeengxowa-mali.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe njengeengcebiso zerhafu okanye iingcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.