Usati Uchitenga Mutual Funds, Ziva Zvinodhura, uye Uzvichengetedze Kushoma
Usati wazvitenga mutengo wemari, ona kuti unoziva mari. Heino pekutanga pane zvose zvinoshandiswa uye mari yaunogona kubhadhara (kana uchatarisira kudzivisa) paunotenga mutengo wemari:
Mutual Fund Mutoro
Mitoro inobhadharwa kumutengesi paanenge achitenga kana kutengesa mamwe marudzi ekubhadhara mari.
Chinangwa chekutakura ndechekubhadhara mutengesi kana mutungamiri wemabasa avo. Saka, kunze kwekuti iwe uri kushanda nemudzidzi kana mutengesi, iwe haufaniri kuribhadharira zvemarudzi ose!
Kune matatu mitatu yemhando yemitoro:
- Pamberi pekupedzisira Mitoro : Izvo zvinokwidzwa mberi (panguva yekutenga) uye muvhareji wakapoteredza 5% asi inogona kuva yakakwirira se8,5%. Somuenzaniso, kana iwe uchinge uine $ 1 000 ne 5% yekutakura mutoro, mutoro wacho unenge uri $ 50.00, uye naizvozvo kuiswa kwako kwekutanga kuchava $ 950. Mari yemari pamwe nemitoro yepamberi inowanzogoverwa Chikamu A mari, iyo inowanzozivikanwa netsamba 'A' pamagumo ezita remari.
- Kudzokera kumucheto Mutoro s: Unonziwo maitiro akadai akatengesa kutengesa mari, kumashure kunotengeswa chete kana iwe uchitengesa mari. Iyi mhosva inogonawo kuva 5% kana kupfuura, asi mutoro wepakati unowanzoderedzwa mukuwedzera kwemazana emakore kusvikira mutoro wacho uchisvika zero. Mari yemuviri pamwe nemitoro yekudzokera shure inowanzogoverana Chikamu B mari, iyo inowanzozivikanwa netsamba 'B' pamagumo ezita remari.
- Mutoro Mutoro : Mitoro iyi haibhadharwi pakutengwa, kana kutengeswa kwehurumende yekutengeserana. Panzvimbo pacho, kune hupenyu hunoramba huripo, huwandu hwe100%, iyo mubhadhadzi anotora kuti mutual fund company. Kufanana nemitambo yekuguma-yekupedzisira uye mitambo yekudzokera shure, mitoro yepamusoro haisi mari inobhadharwa kubva kunze kwehomwe yevatengesi, uyewo haisi "kukweretwa" kumutengesi. Pane kudaro, nemitoro yepamutengo, mari inoderedza inoderedza kusara kwemutengo wemuti wekutsvaga. Semuenzaniso, kana chikwereti chezvikwata chekutakura chikwereti chakashambadza 1,00% chikadzokera zvachose mari isati yabhadhara 10%, mubhadhari achawana mvumo yekuwana 9%. Mari inowanikwa pamwe chete nemitoro yepamusoro inowanzogoverana Chikamu C mari , iyo inowanzozivikanwa netsamba 'C' pakuguma kwezita remari.
Kana iwe uchifanira kushandisa mari yemutoro, iyo inodhura kune imwe nguva yezvokusimbisa mari, tarisiro nekutora nguva yemakore gumi kana kupfuura, ichava mari yekutakura-mberi kana zvikamu zveA. Iyo inodhura zvikuru kune vashandi venguva refu, asi kazhinji yakanakisisa yekutora nguva kwenguva pfupi, isangano rekugovera C.
Izvo zvinonziwo trailing commissions kana dzimwe nguva dzinonzi "mari yakavanzwa, 12b-1 mari inotambirwa nemamwe mari pamwe chete uye inoshandiswa kubhadhara kutengesa, kugovera, uye kubhadhara mari yebasa.Imari inobhadharwa kune mutengesi uye inogona kuva yakakwirira se100% gore negore Chikoro B uye C vagovana pamwe chete mari inowanzobhadhara chikwereti chakanyanya chema 1.00% 12b-1, asi mari yeA-share uye mari isiri yemutero inowanzobhadhara mari 12b-1.
Zvakare, kana iwe usingashandisi mutengesi kana mutungamiri, iwe unofanirwa kunge uchishandisa mari isina mutoro !
Mutual Fund Kutengesa Mari
Kutengesa mitero yekutengesa mari inoshandiswa kumutengesi paanenge achitenga kana kutengesa zvikamu zvezvikwata, mutengo wemari kana Exchange Trading Fund (ETFs). Iyi mitero inogona kunge yakaderera ne $ 7 kune vamwe vanotengesa vatengesi, seS Scottrade kana Charles Schwab, asi vanogona kuva yakakwirira kwazvo, zvichienderana nekutsvaga uye / kana mutengesi.
Iyi mitero inowanikwa nguva imwe chete, asi inowanzoitika nguva dzose apo mutengesi anowana zvikamu. Vashandi vakawanda vanochenjera kutenga zvigaro zvematokari avo, mutual funds kana ETFs pane dzimwe nguva, zvakadai semwedzi.
Asi kana zvikwereti zvikweretwa pamubatanidzwa umwe neumwe, mari inowedzera pamusoro penguva. Semuenzaniso, mari yekubhadhara mari ye $ 10 pamabhizimisi ega ega inowedzera kusvika ku $ 120 pagore kunotenga kwemwedzi. Kana mutengi ari kutenga madhora zana nemwedzi pamwedzi, mari yekubhadhara mari ye $ 10 inoderedza kushandiswa kwema $ 90, iyo inodhura 10%. Hazvisi zvakasiyana ne "10 kurasikirwa" kwema 10% inokosha nekuda kwekutengeserana kwemari.
Mukupfupisa, mari yekutengeserana uye zvimwe zvikwereti ndeyekukwezva pane zvakaitwa. Nokudaro, kune vashandi vakawanda, mhuri isina mutoro mutual fund, yakadai seVanguard, Fidelity kana T-Rowe Price, inosarudza kuchenjera kwekutsvaga mari shoma. Nokubhadhara zvakananga nemhuri yemari, mari yekutengesa inowanzoregwa.
Tarisa " kwete mari yekubhadhara " mari (kana kuti NTF) vasati vatenga. Kana iwe uchida chikwereti chakanaka asi mutengesi kana kambani yekambani inokwereta mutengo wekutengesa kutenga zvigaro, edza kutenga zvikwereti zvakakura, zvishoma nezvishoma, kana iri sarudzo inonzwisisika nekuda kwezvinangwa zvako zvekuchengetedza uye zvinangwa zvekutsvaga.
Mutual Fund Expense Ratios
Mari dzinodhura zvikamu zvinoratidza kuti mari inobhadharwa kune mutual fund yekambani yekugadzirisa nekushanda chikwereti, kusanganisira yose yekushandisa mari uye 12b-1 mari. Kufanana nemamwe akawanda mari uye mari inoshandiswa kune imwe mari, chikwereti chemari hachirevi mutero unobhadharwa zvakakwana nomurimairi. Pane kudaro, mari inotorwa inotorwa kubva kune mutual fund assets. Mutevedzeri anogamuchira net net. Semuenzaniso, kana chikwereti chine chikwereti chemazana che100% chine chikwereti chakaita gore negore che10,00% musati waita mari, mutyairi achawana mari yekudzorera ye 900% mushure mekushandisa mari.
Pane zvakawanda zvekubhadhara mari pamwe chete nemari pasi-yehuwandu yemari inoshandiswa kusarudza kubva munzvimbo yose. Saka usagadzirisa zvinodhura apo iwe unogona kunge usina mari uye yakakwirira! Heano kuparara uye kuenzanisa kwemareji ekudhura maonero iwe unogona kutarisira, zvichibva pane chikamu chemari:
- Makuru-Cap Stock Funds: 1.25%
- Mid-Cap Stock Funds: 1.35%
- Small-Cap Stock Funds: 1.40%
- Kune dzimwe nyika Nhamba dzeMari: 1.50%
- S & P 500 Index Chikwereti: 0.15%
- Bond Funds: 0.90%
Usambofa uchitenga chikwereti pamwe chete nemari yakawanda yakakosha kupfuura iyi! Izvo zvinowanikwa mari zvinowanzokwirira kune mari inogadziriswa zvine simba nekuda kwekutsvakurudza uye kuongororwa kunoda kuchengetedza kushanda ("kurova pamusika") hurongwa. Asi zvinonzwisisika, huwandu hwemari inotarisirwa nehutano haufaniri kupfurikidza nehuwandu hwezvinyorwa zvenguva refu, kunyanya kwemakore anopfuura 10 kusvika ku15 nekupfuura.
Nokuda kwechikonzero ichi, tsvaga mari-mutoro uye mari yekuenzanisa yebhadharo mari uye kutaridzika-kuenzanirana nekudzoka kwenguva.
Zvinonzwisisika: Mashoko ari pawebsite ino anopa mazano ekukurukurirana chete, uye haafaniri kushandiswa zvisina kunaka sekutsvaga mazano. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.