I-Class Institutional Mutual Funds: Iklasi I, X, Y okanye Z
Ngubani onokuthenga iiSahlulo zamaziko
Izabelo zeziko leengxowa-mali, ezibizwa ngokuba yi-"Inst" iimali, iCandelo I, iCandelo X, iCandelo Y okanye iCandelo Z, ngokubanzi zifumaneke kuphela kumali-zimali amakhulu (amaziko) ngexabiso elincinci lokutsalwa kwe-$ 25,000 okanye ngaphezulu.
Kwezinye iimeko apho abatyali-mali batshaba imali ndawonye, njengama-401 (k) amacebo, amaqhekeza angaphunyezwa ukuze asebenzise iimali zeeklasini zokwabelana ngezikolo, eziqhelekileyo zinexabiso eliphantsi kweendleko kunezinye iiklasi zezabelo.
Ngako oko, umnini-mali omncinci wemihla ngemihla unako ukufikelela kwizabelo zeklasi xa i-compartment yenkampani ivumela ukungafani nakwizicwangciso zomhlala-phantsi ezixhaswe ngumqeshi, apho kukho ulindele ukuba ubuncinci obuphezulu buya kudibana nabo bonke abantu (abaqeshwa abancedisa ii-akhawunti zabo) bafaka imali yabo ndawonye ukuze bahlangabezane neyona mincinci.
Iingenelo zeeNgxowa-mali zeziko
Ngokuqhelekileyo, iimali zengxowa-mali zesikhungo zihle ngaphezu kwezinye iiklasi zentengiso kuba ixabiso eliphantsi leendleko liguqulela kwimbuyekezo ephezulu kubatyalomali kuba i-fund ayikuthinteli imali eninzi ngenjongo yokuhlawula iindleko zokusebenza zenkxaso-mali. Ngokomzekelo, enye ingxowa-mali efanayo iya kuba neeklasi ezahlukeneyo ezabelo ezikhoyo kubaxhasi-mali.
Masithi isabelo se-B senkxaso-mali sinomlinganiselo weendleko ze-1.00% kodwa iClassi ye-Class class share share ratio of 0.25%. Ukuba ingxowa-mali ine-10% inzuzo epheleleyo kunanoma yimuphi unyaka onikeziweyo, ukubuyisela inetha kumtyalo-mali we-B kuya kuba ngu-9.0%, kanti ukubuyiswa kwesabelo-mali soba ngu-9.75%.
Emva kwexesha, le ntlawulo engaphezulu ye-0.75% inokuthi ithetha amawaka eedola ngaphezulu kumtyalomali.
Yiyiphi iCandelo eliPhambili eliSabelo sabaninzi bezoTyalo-mali?
Akuqhelekanga ukuba umntu otyalo-mali ukuba afumane ukufikelela kwiimali zezabelo zeziko kodwa kukho ubuninzi bemigangatho ephakamileyo, iindleko ezingaphantsi kwemithwalo ephathekayo enokuyenza kunye nokuba bhetele kunezona zininzi zemali zengqesho.
Iingxowa-mthwalo zisoloko zibizwa ngokuba "ngezabelo zotyalo-mali" kwaye akusoloko unomxholo wesigaba sokwabelana ngokusemthethweni. Ngenxa yoko awuyi kufumana iileta, njenge-A, B, C okanye mna, ekupheleni kwegama le-fund.
Iimali zenkcazo ziyakwazi ukukhetha ngokukhethayo-ngaba-wena-abatyala-mali-mali ngenxa yokuba bahlala behluke kakhulu kwaye bahlawula imali ephantsi kakhulu.
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.