Unofanira Kutenga B Zvikamu?
Ndezvipi Mutual Fund Chikoro B Zvimwe?
Zvizhinji zvekubhadhara mari zvinopa zvikamu zvakasiyana zvezvikamu zvekutenga (kusiyana kunowanikwa muhurumende yekubhadharwa mari uye mari yega yega yega yekirasi).
Nhamba dzinoverengeka dzinowirirana mutual fund dzinosanganisira zvikamu: Chikoro A, Chikamu B uye Chikamu C mutual fund shares. Chikamu chega chega chinoda kutungamirirwa uye kushandiswa kwemari uye akawanda mapoka emakirasi anosanganisirawo 12b-1 mubhadharo.
Mutual fund B inoshandiswa haifaniri kutarisa kumagetsi kutengesa mari, asi inotakura chikwereti chakatengesa kutengesa (CDSC) uye ine 12b-1 yakawanda mari (1% 12b-1 mubhadharo yakajairika) kupfuura mamwe mutual fund share classes. CDSCs zvikwereti zvinopiwa kune vashandi vanotengesa zvikamu zvavo muchikwama panguva yekuzvipira. Aya CDSCs haabhadharwi kune vauri mazano, asi kune kambani yemari yekubhadhara mari dzakasiyana-siyana, kusanganisira yepamusoro inotumira mari inopa mari kuvarayiridzi (kazhinji inosvika 4%). Vashandi havaoni hurumende idzi dzinotengeswa nemari inobhadharwa kuvadzidzisi avo vanopa mari yemari yekutenga.
Mamwe maCDSC anotsanangurwa munharaunda yehurumende yehurumende uye mari inoenderana nekureba kwenguva yakaitwa sei nemugove wake.
Zvikwereti zvakawanda zve mutual fund B zvinowanikwa neCDSC iyo yakaderedzwa kusvika ku 0% mugore rechitanhatu, asi mugore rechinomwe, chikamu chekutengeserana chikoro cheBatendi B chinoshandura kune zvikamu zveChikamu A (izvo zvisingateereri kupa mhosva uye zvine madhora 12b-1 ezasi).
Ndeye B Inopa Zvakanaka Kutenga Here?
Mune zvimwe zviitiko, kana iwe uchienzanisa zvakasiyana-siyana mutual fund share classes, unogona kupiwa mamiriro ezvimwe zviitiko apo mutual fund B inotarisa inonakidza kupfuura mamwe makirasi ekugovana edzimba rimwechete.
Nemuenzaniso, kana ukashandisa FINRA's Fund Analyzer software, unogona kuwana kuti yakapiwa nguva yakareba, uye pasi pe $ 100,000 kuti iite mari mune imwe mhuri yemari, saka mutual fund B inowanikwa, kazhinji nguva, yakakosha kupfuura chikamu cheAA A (iyo inosanganisira upfront sales commissions uye breakpoints) uye maC shares (izvo zvinosanganisira 12b-1 mari). Asi, sezvinoitwa nekutsvaga-dhiabhorosi anowanzowanika mumashoko acho. Iwe unenge wakachenjera kuti urambe wakangwarira paunoshandisa zviitiko zvisinganzwisisiki kuti uone kushandiswa kwakanakisisa kwepodfolio yako.
Semuenzaniso, FINRA's Fund Analyzer nyaya, uye yakafanana, inogona kuva yakarurama paunenge uchifananidza zvikwereti zvemari zveChikoro A, Chikamu B neChikoro C, asi zvinoreva kuti iwe unofanira kutenga mutual fund B? Chii chinoitika kana iwe mutual fund manager anobva? Chii chinoitika kana mari yekutengeserana inenge ichidzivirirwa nezvinhu? Chii chinoitika kana mutauro wekutengeserana wega wega unopera kubva pakukura kunokosha? Mune mamwe mazwi, chii chinoitika kana iwe uchida kutengesa yako mutual fund B?
Kana iwe uchida kutengesa imwe chikamu chemwe mutual fund yeBual nokuda kwechimwe chezvikonzero izvi, kana kugutsa mari yakaoma, iwe unogona kukwanisa kuchinja kubva pane imwe mari kuenda kune imwe mukati memhuri imwechete yemari pasina kuisa chirango chekuzvipira (asi iwe uchiri inogona kuunza mari inowanikwa).
Saka, mhuri yegadziro yawakatenga iyo yekutanga mutual fund B inoshandisa imwe chikwereti chakakwana, kana kuti iwe unomanikidzwa kugadzirisa nemari yakawanda kuitira kuti urege kuzvipira mhosva? Tsika zvakanyanyisa usati watenga mutual fund B zvigaro zvausina kunyatsotsvakurudzirwa usati wazvitenga uye kunyatsoronga urongwa hwako hwekubuda. Chii chinoitika kana / kana iwe uchida kutengesa?
Zvimwe Zvinetso neB Shares
Ikoko pachava nevanopa mazano, uye zvichida kunyange vatengesi, vanoda kuitirana nharo kana kusarudza mutual fund yevana B isarudzo chisina kunaka - kukakavara kuti ivo vakakodzera vatyairi mune mamwe mamiriro ezvinhu. Zvinosuruvarisa, nzira dzekuti B dzinotsanangurwa uye nzira yavanotengeswa idambudziko guru rinotarisana nevashambadzi nhasi. Mukati, iyo inofadza blog, About About Broker Fraud Blog inotsanangura mamiriyoni akawanda apo FINRA yakapa mari uye inofanirwa mafenki ekubhadhara kuitira kusarudzira zvisina kunaka mabhidha B.
Mamiriyoni emadhora ekubhadharwa akabhadhara kune vatengesi kuti zvikwanise kugadziriswa kwemakore, asi makambani akawanda emari yezvekwereti akabhadharwa uye akavharidzirwa, uye vamwe vatengesi vakatoti varangwa uye vanomiswa mushure mekukurudzira iyi imwe kirasi ye mutual fund inopa vatengesi kune hazvina kukodzera.
Pamusoro peizvi, mutual fund yemari B inowanzotsanangurirwa semari-mutero wemari, imwe boka rekubatana mari isingatengi kutengesa mitoro, asi inogona kutora mamwe mari. Kana iwe uri pasi peizvi "mischaracterization" yekutengeserana mari B inowanikwa nemudzidzisi, batisisa kuchikwama chako apo iwe uchifamba kunze kwemukova.
Kutaura Mutengo kuB Zvikamu
Pasinei nehutano hwavo hwekubhadhara kune vanopa mazano, kufambira mberi kwemazana emakore apfuura kwave kune zvekugadzirisa mari yekugadzirisa zvikamu zveChikoro B kubva kune fund company line-ups. Mukusunungurwa kweSeptember 2009, Allianze (kambani yemubereki wePIMCO Funds) akataura kuti chirongwa chavo chekugadzirisa kutengeswa kwezvikamu zveB chaive "chinopesana nemafambisirwo emakambani-akawandisa kune kutengesa kuderedzwa kwezvikwata zveChikoro B uye kufarira kwakanyanya mubhadharo maitirwo. "Izvi zvinowedzera kutengesa zvishomanana zvezvikwata zveChikoro B - sezvakataurwa naAllianze - zvingave zvakakonzerwa nehutano hwakanaka hwekudzivirirana kwevashandi vemari uye mamwe maitiro ekutengeserana kwematare ekuteerera mitemo isingarevi kuti mutual fund inoshandiswa kune vashandi vasingafungi kwete nekuda kwezvikonzero zvakakodzera, asi nekuda kwepamusoro-soro yavo yakagadzirirwa kuvadzidzisi.