Inkcazo kunye neMimiselo ye-Hybrid Mutual Funds
Kwinqanaba le-smartest investment philosophy is diversification . Ngokuqhelekileyo iimali eziphathekayo ezifanelekileyo zizo ezo zineentlobo ezahlukeneyo zokubamba kunye nemali ye-hybrid ngumzekelo obalaseleyo wale candelo lotyalo-mali.
Oku kwenza i-hybrid funds ekhethiweyo kwi-stand-alone option, imali efanelekileyo yabaqalayo, okanye iimbalo eziphambili kwiipotifoliyo ezipheleleyo zeemali ezihlangeneyo.
Iimali zeHyibrid Inkcazo
Eyaziwayo njenge-Balanced Funds okanye imali eyabelwe i-asethi, i-Hybrid Funds zixhaswa ngemali edibeneyo eyenzela ukudibanisa okungaphezulu kwesinye isigaba se-asset ye-asethi, njengemasheya, iibhonki okanye imali.
I-descriptor "ye-hybrid" ivela kwingcamango yokuba enye yeengxowa-mali zibandakanya umxube wezinto ezahlukeneyo ezikhoyo kwiimali ezimbini okanye ngaphezulu. Ngokuqhelekileyo, iifowuni ze-hybrid zidibanisa izitokhwe kunye nezibophelelo kwaye i-fund iya kuba nenjongo ekhankanyweyo, njengobundlobongela, olinganisekileyo okanye okhuselekileyo.
Imizekelo yeeNgxowa zeHybrid
Ukunikezelwa kweempahla ze-hybrid kungasoloko kugqityiwe (oko kukuthi imali elinganisiweyo) okanye ingatshintshwa ngexesha elide (oko kukuthi i- target target-funds ).
Iingxowa-mali ezihlambulukileyo zikwahlula njengoluhlobo olusisiseko (ingozi ephantsi), i-moderation (ingozi ephakathi) okanye enobudlova (ukhuseleko oluphezulu / ukubuya okuphezulu).
Umzekelo umrhumo olwabiwo-mali uya kuba ne-asethi eyabelwe ama-stock% angama-65 kunye nezibophelelo ezingama-35%. Esinye sezixa-mali ezilinganiseleyo zokunikezelwa kwezimali ezilinganayo zi- Fidelity Balanced (FBALX).
Iimali zexesha elijoliswe kuzo, eziqhelekileyo ezisetyenziselwa ukugcina umhlala-phantsi kunye nokutyalomali, zisebenza ngendlela egama layo lichaza ngayo: Umtyalo-mali ukhetha umhla ojoliswe kuwo (unyaka) osondele ekupheleni kweinjongo zabo zokutshala imali.
Ngokomzekelo ukuba umtyalomali ucinga ukuba baya kuthabatha umnyaka we-2040, banokukhetha i-fund njengeVanguard Target Retirement 2040 (VFORX). Ukuba umtyalomali waqala ukuthenga izabelo ze-VFORX kunyaka ka-2015, ukwabiwa kweefa bekuza kuba malunga nama-90% kunye ne-10%. Lo mxube unokujongwa njengento enobudlova kodwa kulungele ixesha elingama-25 leminyaka. Kodwa njengoko unyaka we-2040 usondela, ulwabiwo lweempahla luya kutshintshwa ngokukhawuleza ukuba lube neentsimbi ezingaphezulu kunye nezinto ezincinci.
Kukho ezinye iindidi zeengxowa-mali ezihlangeneyo ezinikezela ngeemali ezilinganisiweyo kunye neengcambu zomhlalaphantsi. Enye yeengxowa-mali ezilungileyo kakhulu ezinikezela ngemali ye-hybrid yiT.Rowe Price Mutual Funds . Iimali zabo ezijoliswe kumhla zijoliswe kakhulu kodwa abatyala-mali kufuneka baqaphele ukuba bafezekisa ukusebenza kwexesha elide ngenxa yokuba iiphothifoliyo zabo ziba neendawo eziphezulu zokugcina amasheya kwizibonelelo zabo. Nangona oku kwenza ukuba kubekho umsebenzi ophezulu, onokuba yinjongo enengqiqo kwiminyaka yokuqala yokulondoloza umhlalaphantsi, kodwa ingozi ephezulu ephezulu (kunye nokubuya okuphantsi kweemarike) kunokuba yinto engathandekiyo kubanye abatyali-mali abanokunyamezela .
Ngaloo nto, gcinani engqondweni yamandla amakhulu kwi-hybrid funds-ukukwazi ukuhlukahluka kunye ne-fund eyodwa kuphela .
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.