Ziziphi iiMpahla zeMali zeMatual?

Inkcazo yempahla ye-Mutual fund kunye noko kubangela ukuba kubalulekile ukwazi

Xa usenza uphando kwaye uhlalutya imali , uxhomekeke kwixesha elibizwa ngokuba yi-holdings. Ukuhlalutya ukubambezeleka kweemali zombini ngokubaluleka kokujonga ngokuphangaleleyo nayiphi na enye imveliso ngaphambi kokuyithenga: Ngaphambi kokuba wenze ukuthenga okubalulekileyo njengemoto okanye indlu, ukhangele ngaphakathi. Abatyalo-mali be-Smart benza okufanayo ngemali-mali.

I-Mutual Fund Holdings Inkcazo

Ukubambisana kweengxowa-mali ezihlangeneyo kubonisa i-securities (amasheya okanye amabhondi) abanjwe kwingxowa-mali.

Zonke izibambiso ezingundoqo zidibanisa ukwenza iphothifoliyo enye. Cinga ibhakethi ezaliswe ngamatye. Ibhakethi yintlawulo kunye kunye nelinye ilitye isitokethi esisodwa okanye ibhondi ephethe. Isibalo sawo onke amatye (amasheya okanye iibhondi) lilingana nenani labanamalungelo .

Indlela yokuchonga inani elipheleleyo leendawo zokubamba

Ngokubanzi, iimali zentsebenziswano zinexabiso elungileyo kwinani elipheleleyo lokubamba kwaye lolu hlu luxhomekeke kwinqanaba okanye uhlobo lwengxowa-mali . Ngokomzekelo, iimali zenkcazo kunye nemali yebhanki ethile kulindeleke ukuba ibe nenani elikhulu lokubamba, ngokuphindaphindiweyo kumakhulu okanye nakwiwaka lama-stocks okanye amabhondi. Kweminye iminye imali, kukho ukungalungi ukuba nemibutho embalwa okanye emininzi kakhulu.

Ngokuqhelekileyo, ukuba ingxowa-mali inama-20 okanye angama-30, ukungazinzi kunye nomngcipheko kunokuphakama kakhulu kuba kukho iibamba ezincinci ezinempembelelo enkulu ekusebenzeni kwe-fund. Ngakolunye uhlangothi, ukuba ingxowa-mali inamakhulu amane okanye ama-500, inkulu kangangokuba ukusebenza kwayo kuya kufana ne-index, njenge-S & P 500.

Kule meko, umtyalo-mali unokuthenga nje enye yeyona mali engcono ye- S & P 500 kunokubamba isikhwama esikhulu se-stock stock kunye namakhulu amabamba.

Ingxowa eneendawo ezincinci kakhulu zifana nesinqanawa esilwandle elingahamba ngokukhawuleza kodwa sisengozini kumaza amaninzi amaninzi. Nangona kunjalo, i-fund enezikhundla ezininzi zinzima kakhulu kungenakonakaliswa ngokubanzi ngamanzi ashukunyayo kodwa ayikwazi ukufuduka kwiqonga elincinci elingaqhayisa i-shell yayo kwaye iyancipha njengeTitanic.

Khangela i-fund ngenani elingama-50 ubuncinane kodwa ngaphantsi kwama-200. Oku kunokuqinisekisa ubungakanani "obuchanekileyo" obuncinane okanye bunzima kakhulu. Khumbula ukulawulwa kwe-apula-to-aples kwaye ujonge kwimida yeklasi elinikeziweyo ye-fund . Ukuba ingxowa oyihlalutyayo iphantsi okanye iphantsi kwinani elipheleleyo labanikiweyo kunelo candelo elifanelekileyo, ungathanda ukumba ubunzulu ukuze ubone ukuba le ngxowa-mali ilungile kuwe.

Kwakhona, uya kufuna ukubona ukuba ingxowa oya kuhlalutya ifanelana nezinye iimali kwipotfoliyo yakho. I-fund eneempahla ezingama-20 kuphela ingozi, kodwa inokusebenza njengengxenye enye yokuxuba okuxubileyo kweemali eziphathekayo ngaphakathi kwipotfoliyo yakho.

Funda kwakhona nge- Commingled Funds .

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.