Chii chakasiyana uye iyo Mutual Fund Type ndeipi?
Kunyange zvazvo mari isingabhadhara mari, inogona kuva nemari yakasiyana. Mukupfupisa, kune zvishoma zvishoma zvakasiyana-siyana zvinokosha kune vashandi kuti vanzwisise vasati vatya.
Kusiyana Pakati Pose-Mutoro Mari uye Masheji-akachengetwa Mari
Ichokwadi cheko-gorosi mari haibhadhara mutoro upi uye hauna mari yemari, yakadai se 12b-1 mari, iyo inoratidzika yakavanzika kuvashambadzi vakawanda.
Mari-yakasimwa mari inowirirana mari inoshandiswa pakudzidza kune chikoro chekuisa mari, yakadai seA share class funds. Sezvinonzi zita racho, mutual fund load inodzingwa (isina kukwidzwa). Kazhinji mari iyi inopiwa muna 401 (k) inoronga apo mari yakatakurwa haisi yekusarudza. Nenzira iyo mutungamiri kana mutengesi anobhadharwa nekomiti anogona kugadzirisa mari pasina kubhadhara mutoro.
Mutoro-waived mutual funds unozivikanwa ne "LW" pamugumo wezita remari uye pakuguma kwechiratidzo chekiti. Semuenzaniso, American Funds Growth Fund yeAmerica A (AGTHX), iyo iA share fund, inosarudzwa nemutoro, American Funds Growth Fund ye America A LW (AGTHX.LW).
Kusiyana neizvi, hapana-mutoro wemari hauna chero tsamba kana tsamba, dzakadai seA, B, C, D, R, kana LW, pakupedzisira kwezita remari rinoratidza chikamu chekugovera.
Ndeipi Iyo Yakanakisisa, Kwete-Mutoro kana Mutoro-Waiiswa?
Ichi chikamu chiduku cheapuro nemaarangi kuenzanisa. Kunyange zvakadaro mari-mero yejeri inowanzova nechepakati yemari inoshandiswa mari yakaenzana kupfuura mari-yaived money.
Mari dzinodhura dzinowanzoshandurwa muidzo dzakakwirira kumudzimai, kunyanya kupfuura kwenguva refu. Nokudaro hapana-mitoro inowanzova nani pane mari inotakurwa-mutoro, kunyanya maererano nechezasi kudhura, izvo zvinogona kutungamirira kumakadzo makuru.
Yeuka kuti mari ye-load-waived ndiyo mari inopiwa nemudzidzisi kana mutengesi uyo anoda kutengesa mari pasina mutoro asi achiri kubhadharwa.
Vanozviita sei? Vanobvisa (vanosiya) mutoro asi chengetedza misha ye12b-1. Saka mari inotakurwa nemutoro inogona kunge yakaita seuri kuwana chibvumirano chakanaka asi iwe unofanirwa kuita tsvakurudzo yako uye iva nechokwadi chokuti hausi kutenga mari yepamusoro 12b-1 mubhadharo.
Kana iwe uine sarudzo pakati pemafungiro asina-mutoro uye akadzingwa-mutengo weiyo mutual fund, inowanzogona kutenga iyo ine chikwata chebhadharo chakaderera.
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.