Commingled Funds Tsanangudzo, Kubatsira uye Kukanganisika
Nezvekutsvaga mari, commingled fund ndiyo inowanzova imwe inosanganisira zvinhu zvakabatanidzwa pamwe chete, zvakafanana nemari yemari , inobva kune akawanda makambani evanhu.
Mari yakashandurwa, iyo yeropa rakaparadzana, inogona kunyatsogadziriswa nemumwe mutungamiri.
Commingled Funds vs. Mutual Funds
Mari yakagadziriswa uye mari inobatana inobatanidza zvinhu zvakafanana, pamwe nekusiyana. Heano ndiyo nzira dzinonyanya kuzivikanwa zvekubhadharwa mari uye mutengo wemari yakafanana:
- Nzvimbo Dzakasanganiswa: Mari yakaiswa pamwe chete uye mari inobatanidza zvose inosanganisira zvinhu zvinobva kune dzimwe nhoroondo, vatengi kana varimi. Mhando dzose dzemari dzinowanzoita mari yekuchengetedza imwe (kana kuti kubatanidzwa) kwema-primary acti makirasi , ayo ari mashizha, zvisungo nemari.
- Professional Management : Sezvo mutual funds, commingled mari inogona kutarisirwa nemumwe mutungamiri kana boka revatungamiri. Vatungamiri vanosarudza kuti ndezvipi zvingachengetedzwa zvekutengesa kune chikwereti chepodfolio uye inotarisa nguva yekutengesa zvivimbiso.
Heano mavhesi makuru akasiyana pakati pekutengeswa kwemari uye mutual funds:
- SEC Kubhadhara : Mutengo wemari inofanira kubhadhara neSecurities and Exchange Commission, kana SEC , asi mari yekutengesa haina kubhadhara chekuchengetedza. Ndiyo US Office of the Comptroller yeDhipatimendi uye hurumende yehurumende iyo inotarisira pane commingled mari.
- Zvinodhura : Sezvo commingled mari inoda kudarika masangano epamutemo uye kutarisirwa, mari inowanzove yakaderera, kunyanya kana ichienzaniswa nemari yakabatanidzwa yakabatana .
- Mashoko anotsanangurwa uye anowanikwa kune vashandi: Mari inoshandiswa inogona kupa vashandi vavo uye vanotarisira vashandi Summary Plan Description (SPD), asi mari inobhadharwa inofanirwa kugovera prospectus .
Sei Uchifanira Kuita Mari Yakaiswa Muzvikwereti? Kubatsirwa uye Kukanganisika
Mari inoshandiswa inowanzogovera zvimwe zvezvimwe zvinobatsira uye zvisingabatsiri zvekubhadhara mari, asi mamwe maitiro nehupfumi ari oga kune mari yekutengesa.
Heino hukuru hunobatsira hwekubhadhara mari:
- Professional Managemen t: Commingled mari inoshandiswa kuitira zvinangwa, apo mutungamiri, maneja wemari, kana boka revatungamiri vanogona kushandisa zvose zvavo zvakanakisisa mazano kune imwe nhoroondo, panzvimbo pezvizhinji kana mazana emakondomu ega. Urongwa uhwu hunogona kuva kukunda-kukunda kwevatengi uye vadzidzisi.
- Kudhura Kwakaderera : Kubudirira kwemari yekutengesa kunoshandiswa kudhura mari shoma, iyo inowanzoperera kudarika mari inoshandiswa mari yakaenzana yemari inobatanidzwa pamwe chete.
- Diversification : Sezvakafanana nemari yemari, commingled mari kazhinji inoumbwa nemafungiro akasiyana-siyana edziviriro, zvakadai sematokisi, zvisungo nemari. Diversification inogona kupa misika yakaderera yemakemikari, kana ichienzaniswa neyakashambadzirwa inowanikwa 10 kusvika ku20 huru-mashopu.
Heano maitiro mashomanana emari ye commingled:
- Low Relative Liquidity : Kusiyana nemari yekutengeserana, vatengi vanogona kunge vasina kukurumidza kuwana mari ne commingled fund. Izvi ndezvokuti mari yekutengeswa haisati iine zviyero zvakawanda muzvinhu zviri pasi pekutungamirirwa uye, nekuda kweizvi, vatungamiri vanogona kuva nemiganhu yekukurumidzika kwevatengi vanogona kuwana mari.
- Kuchengetedza Kuitwa : Munyika umo ruzivo runowanikwa munguva chaiyo, kushandiswa kwemashoko pamusoro pemari ye commingled hakusi kufambidzana semari pamwe chete uye mari yekutsinhana-inoshandiswa mari (ETFs) . Izvi ndezvokuti mari yakabhadharwa haina kubhadhara uye haina zviratidzo zvinogona kuongororwa kunenge chero webhusaiti yega yega, sezvinoitwa nekutengeserana kwepachena.
Pasi Pasi pakutenga Commingled Funds
Kuisa mari mumari yekutengesa kunogona kuva sarudzo yakanaka asi iva nechokwadi chekuita basa rako rechikoro chekutanga. Tanga nekuverenga mari yeSPD uye kuongorora ruzivo uye ruzivo rwemufambisi wemari (s). Uye, sezvaunogara uchiita, iva nechokwadi chokuti chikwereti chinopindirana nechinangwa chako chekutsvaga mari uye kushivirira kwekutengesa.
Zvakakoshawo kuva nechokwadi chokuti nguva yako yekubata inopindirana nechinangwa chekugadzirisa chekuita uye kuti hauna chido chokukurumidza kushandiswa.
Mumashoko akasiyana, commingled mari inogona kunge isingakodzeri nguva dzekutsvaga kwekutsvaga kwemazuva mashoma, zvakadai semari inokurumidzira uye nguva dzenguva dzisingasviki gore rimwe chete.
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.