Kuti Mutual Fund yakagadzirwa sei

Tsanangudzo Yezvauri Kutenga Paunoshandisa Mu Mutual Fund

Ini ichangobva kuongorora kutsvaga kwekutangira mutual fund. Sezvo ndave ndichiungana nemakambani emari uye mabhangi, ndakadzidza mari yakawanda pamusoro pekuti mari yekubatana yakagadzirwa sei, kusanganisira urongwa hunoita kuti mari inoshanda zuva rimwe nerimwe. Ndakafunga kuti iyi ndiyo mukana mukuru wekugovera ruzivo urwu newe kuitira kuti ugone kutarisa murume ari shure kweketeni uye kuona kuti mari yako inofamba sei kana iwe ukaisa muchikwata chekutengeserana.

Kana uchiri kunzwisisa zviri nani, ndinovimba kuti pfungwa yekuisa mari mumari pamwe chete haizove yakanyanya kukuvhundutsa iwe semurimari mutsva.

Nhoroondo ye Mutual Funds

Sezvandakatsanangurira mu Mutual Funds 101 , iyo iri chikamu cheMutevedzeri Wedu Wekutanga wekutsvaga mu Mutual Funds , mutual funds ndiyo inowanikwa zvikuru muUnited States nokuti inopa nzira yevanhu vemazuva ose kutenga michina yakawanda yakasiyana-siyana yematokari , bhandi , kana zvimwe zvivimbiso. Kune mari pamwe chete yekufananidza zvese chero zvido, kubva pakutsvaga nzvimbo yekuchengetedza mari yako yenguva pfupi kuti uwane zvikwereti uye mari inowanikwa muhupfumi kwenguva refu. Izvo zviri nyore zvinotungamirira kukura kwekuputika mune mutual fund industry. Mari yemusika mari yaive inenge madhora 3.3 triliyoni emadhora muzvinhu mavari sekupera kwemari yegore ra2009. Sekupera kwaNovember 2009, mari yekutengesana kwenguva yakareba yainge iine madhora $ 11 triliyoni muzvinhu.

Ndiyo mashizha makuru uye imwe inokosha kune iwe pasinei nokuti iwe unoshandisa kudarika 401 (k) , 403 (b) , Roth IRA, Traditional IRA , SEP-IRA, Simple IRA , kana kuti rekwereti yekodha . Maererano nezvimwe zvinofungidzira, imwe yevana 2 veAmerica vane mari pamwe chete.

The Mutual Fund Company

A mutual fund inorongwa sehurumende yekare kana kuvimba, zvichienderana nenzira iyo vatsigiri vanosarudza.

Kana chikwereti chichibvumirana kubhadhara chikamu chayo chose, chido, uye mari inowanikwa kubva kune vanogovera, iyo IRS haizoiti kuti ibhadhara mitero yekambani (iyi inonzi "kupfuura-kupota mutero" uye inokubatsira kuti urege kudzivirirwa kwepamusoro iyo inowanzopopo panguva iyo inotenga chikamu chematanda).

Iko mari inobatanidzwa pachayo inosanganisira zvinhu zvishoma chete:

• Bhodi revatungamiri kana Bhodhi reVatariri : Kana kambani iri sangano, vanhu vanoritarisira kune vagovana vanozivikanwa sevatungamiri uye vanoshumira paBhodi reVatungamiriri . Kana iri kuvimba, vanozivikanwa sevamiririri uye vanoshumira paBhodi yeVatongi. Hapana musiyano pakati pemabasa maviri. Maererano nemitemo yakagadzwa nemutemo, vanenge 75% vevatungamiri vanofanira kunge vasina kufarira, kureva kuti havana hukama kune munhu kana kuti iyo yakasimba ichagadzirisa mari yacho. Vatungamiri vachabhadharwa mabasa avo. Pamusoro, mashoma mabhiriyoni emadhora emari pamwe chete, vanogona kuwana mari yakawanda ye $ 250,000 pagore!
• Iko mari, mashizha, uye zvisungo iyo mari inobata : Mahombe chaiwo, zvisungo, mari, uye zvimwe zvinhu izvo mutual fund inobata.
• Zvibvumirano : Chikwata pachacho hachina vashandi, zvinongobvumirana nemamwe makambani.

Izvi zvibvumirano zvinosanganisira:

1. Mutero: bhangi rinochengetedza mari yose, zvisungo, mashizha, kana zvinhu iyo mari inobhadhara mubhadharo yemari

1. Tumira mutengesi: vanhu vanochengeta nheyo dzekutenga kwako uye kutengeswa kwe mutual fund share, ona kuti iwe unowana chikamu chako chekutsvaga uye kukutumira iwe zvinyorwa zvekambani yako
2. Kuongorora uye kubhadhara mazano: Simba richauya uye rinoona kuti mari iripo, uye mari inobatana inobatsira zvarinotaura mupepanhau zuva rimwe nerimwe apo kukosha kwatarwa
3. Kuita zvekutsvaga kwekutsvaga, kana kambani yekupa mazano ekutsinhanisa: Ndiyo kambani inotarisira mari uye inoita kutenga, kutengesa, kana kuita zvisarudzo. Kambani yekuchengetwa kwemari inobhadharwa nehuwandu hwezvinhu, ichiti 1.5%, mukuchinjana kwebasa iri. Vanogona kubudiswa nehurumende yehurumende yebato revatungamiri vane zvinyorwa zvishoma uye vatsiviwa.

Iyo Mutual Fund Process Works

Ngatiti une $ 10 000 iwe unoda kuisa mu XYZ Fund. Iwe unokonzera shanduro itsva yekombiyuta kubva kune imwe yeruzhinji yewebsite, uzadze iyo, uye uiendese iyo pamwe chete cheki.

Mazuva mashomanana gare gare, nhoroondo yako yakazaruka.

Heino tsanangudzo yakareruka yezvichaitika:

1. Cheki yako yakatumirwa kune wekuendesa. Yakaiswa mubhangi kana kubhengetedza kambani. Vachaita kuti iwe ugoverwa zvikamu zvehurumende yehurumende zvichienderana nekukosha kwehwamanda apo cheki yako yakaiswa.
2. Mari yacho icharatidzwa munhoroondo uye ichaonekwa kune maneja wemapatotiyo anomiririra kambani inopa mazano. Vachawana ruzivo ruchivaudza kuti mari yakawanda sei inowanikwa kuwedzera mune zvigadzirwa, zvisungo, kana zvimwe zvivimbiso zvinoenderana nemari yemari inopinda kana yakabuda muhomwe.
3. Apo mutungamiri weporotiyoti akagadzirira kutenga zvikamu zvechitoro zvakadai seCoca-Cola, achaudza dhipatimendi rake rekutengesa kuti ave nechokwadi chokuti urongwa hunozadzwa. Vachashanda nevatengi, mabhengi ekutsvaga mari , kusunungura mitambo, uye mamwe mavhenekeri ekuwana mari uye kuwana mavoko pairi pamutengo wakaderera.
4. Kana basa racho richibvumirana, mazuva mashomanana achapfuura kusvikira musi wekugadzirisa. Pano musi uyu, mutual fund ichava nemari yakabviswa mubhizinesi rebhangi yayo uye inoipa munhu kana chikwata chakatengesa zvikamu zveCoke kwavari nekutsinhanisa zvikiti zveCoke zvigadzirwa, zvichiita kuti vave muridzi mutsva. Izvo zvikamu zvakachengetwa mumuviri kana pakombiyuta nevanodzivirira.
5. Kana Coca-Cola achibhadhara chikamu, inotumira mari kumunhu akachengeteka, uyo achaita kuti ave nechokwadi chokuti inotarisirwa kubhuku re mutual fund.
6. Imwe mari inobatanidza mari inogona kuisa mari yacho mumari kuitira kuti inogona kuibhadhara kwauri segoveri pamagumo egore.

Iko Mutual Fund Inotakirwa Nhengo Yepamutoro Inotengwa Sei?

Iwe unganetseka kuti iyo mutual fund manager inobhadharwa sei kutora zvikwata kubva iye kana iye asingashandisi kubhadhara mari asi ane chibvumirano chekutarisira mari. Kana vachibhadharwa mari inokwana 1.5% pagore, vaizowana 1/365 ye5,5% zuva roga roga, zvichienderana nehuwandu hwemari yehupfumi yehupfumi. Mari yacho inotorwa kubva kune imwe yeruzhinji yemari yenyaya uye inowanikwa mubhuku remuridzi wezuva nezuva.