A Semuenzaniso Chikamu cheAmerican Fund
Vazhinji vari vatengesi, vakadai saEdward Jones , vanoda kutengesa American Funds nokuti vanowanzove vakanyora kwenguva yakareba rekodhi uye vanogona kuwana mari yavo nekutengesa mutauriri wekugovera mazana anotakura mitoro, yakadai seA Share Class (front load) uye B Share Chikoro (mushure mutoro).
Kuti tigone kubhadhara mari yekuda mari , kunyanya muna 401 (k) zvirongwa, American Funds yakaumba R-share class , iyo inoita kuti vatengesi vabhadharwe mune dzimwe nzira, dzakadai sa 12b-1 Mitero. Somuenzaniso iwe ungangodaro wakaona American Funds Growth Fund yeAmerica kana American Funds Primary Investors kana American Funds Small Cap World mune zvidzidzo zveR1, R2, R3 kana R4.
Asi ndezvipi zvakanakisisa zveAmerican Fund uye sei muzvikwereti angagadzira chikwereti chavo navo? Iwe wakasvika panzvimbo yakakodzera yepinduri!
Tanga neIyo Best Portfolio Structure
Tisati tasarudza mari yakanakisisa yeAmerica kuti tishandise pamapatotikiti edu, tichaongorora hurongwa huri nyore asi hunobudirira hwehupfumi, hunoti hukuru uye sataneti , izvo zvinongonzwika: Inzvimbo yepamusoro inovakwa pamusoro pe "kubata," guru-cap stock index mutual fund, iyo inomiririra chikamu chikuru chepodfolio, nemamwe marudzi emari-iyo "satellings holdings" -kunge iine zvikamu zviduku zvepapotipoti kuti apedze yose.
Ma satellite anowanzova nemari kubva kumarudzi akasiyana-siyana, akadai sekunze kwenyika, madiki-cap stock, mari yezvisungo, uye dzimwe nguva mari .
Chinangwa chikuru chekugadzirwa kwepodfolio iyi ndechokuderedza njodzi kuburikidza nekusiyana-siyana (kuisa mazai ako mumabhasiki akasiyana) paunenge uchitarisa (kuwana kuwana zvakakwirira kudarika) chiyero chepamusoro chekushanda, seS & P 500 Index .
American Funds haisi kupa mari yekuenzanisa kana mari yemunzvimbo asi kune zvakawanda zvezvisarudzo zvakakosha mumari yavo yekugadzirisa mari kuti ikubatsire kuvaka imba yakasiyana-siyana. Uyewo, zvakawanda zvezvemari yavo zvinowanikwa kune dzimwe nyika , kunyange kana dzisingatauri sechimwe chikwereti chemari.
Saka, kudzivirira mari yakawandisa iripo uye nokuti iwe uchawana zvakakodzera kune dzimwe nyika mari kubva kune imwe mari muhofisi yepodfolio, iyi purojekti yeAmerican Fund haichazove yakatsaurirwa kunze kwenyika mari.
Muenzaniso weParamende yeMari Yakanakisisa yeAmerica
Iye zvino zvatine mano akangwara kwepodfolio yedu yeAmerican Funds, tinogona kutarisa muenzaniso unogona kushanda semuenzaniso wekuvaka nzvimbo yako yepodfolio:
- 40% AmaAmerican Funds Growth Fund yeAmerica (AGTHX): Zvikwata zvakakura
- 20% AmaAmerican Funds Smallcap World (SMCWX): US uye kune dzimwe nyika zviduku zviduku
- 40% American Funds Bond Fund yeAmerica (ABNDX): zvisungo
Izvi zvakasanganiswa neAmerican Funds muenzaniso wepodfolio , izvo zvakakosha kune mutengesi ane huwandu hwekukanganisika kwengozi uye nguva inosvika makore mashanu. Vashandi vemazana vanozvipira kugamuchira nguva dzekutengesa misika kusinganzwisisiki (ups uye pasi mu kukosha kwebhuku) mukutsinhana kwekugona kukwanisa kudzorera kudzoka kwekunze kwema inflation nemuganhu wakakura.
Izvo zvakasarudzwa kugovera kupera ndeye 60% mashizha uye 40% zvisungo.
Uyewo chengetedza mupfungwa kuti mari yose iri mumuenzaniso uyu weAmerican Fund ndeyeA share money. Kana iwe uri kuisa mune 401 (k) chirongwa, zvichida kuti zvikamu zveR R zviri kushandiswa uye naizvozvo chiratidzo chetikiti chichave chakasiyana.
Iwe unogona kuonawo kuti iyi purojekti ine mari imwe chete mairi. Iyi mitatu yemari yakasiyana zvakasiyana-siyana zvokuti hapana chido chekuwedzera mari muhotera.
Hazvina mhosva kuti maAmerican Funds amunosarudza, ingova nechokwadi kuti uri kushandisa kusanganiswa kwakasiyana kwezvikwata zvehurumende pamwe nekutevera mirairo iyi pakutsvaga mari yemubatanidzwa .
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.