Chii chinonzi Mutual Fund Style uye Nei Zvakakosha?
Mutual Fund Style: Market Market - Zvikwereti
Mari yekosi inotanga kuenzaniswa nemutauro maererano nemavhareji emari yemari (ukuru hwebhizimisi kana sangano rakaenzana nemutengo wekugovana nguva iyo inhamba yezvikamu zvakakosha):
- Zvikuru-cap Stock Stock Funds inowedzera mumatanda emakambani nemaketeni makuru emakethe, kazhinji anopfuura $ 10 mabhiriyoni. Makambani aya akawandisa zvokuti iwe zvichida wakanzwa nezvavo kana iwe ungatotenga zvigadzirwa kana mabasa kubva kwavari nguva dzose. Mamwe mazita makuru-mashizha anosanganisira Wal-Mart, Exxon, GE, Pfizer, uye Bank of America.
- Mid-cap Stock Funds inowedzera mumatanda emakambani ekuma-size capitalization, kazhinji pakati pe $ 2 bhiriyoni ne $ 10 mabhiriyoni.Mamwe mazita emakambani aungaona, akadai sa Harley Davidson neNetflix, asi vamwe vangave musingave veimba mazita.
- Dhomwe-cap Stock Funds inowedzera mumatokari emakambani emadhora makuru-mashoma, kazhinji pakati pe $ 500 mamiriyoni uye $ 2 biliyoni. Zviduku zviduku zvinotumidzwa se "micro-cap" mashizha.
Mutual Fund Style: Chinangwa chekutsvaga mari - Zvikwereti
Sangano mari inotevera inorongwa maererano nechinangwa chavo, iyo inonyanya kugoverwa kuva Kukura, Kukosha kana kuvepa zvinangwa:
- Growth Stock Funds inowedzera mukukura kwematokari, ayo ari mashomanana emakambani anotarisirwa kukura pamwero wepamhanho kudarika mutengo wepamusi.
- Kukosha Kwekuchengetwa Kwemari Mari inotengesera kukosha kwezvikwata, izvo zvikwereti zvemakambani anenge ari muteresi kana mutual fund manager anotenda kuti ari kutengesa pamutengo wakaderera kupfuura kukosha kwemusika. Kukosha Kwekubhadhara Mari Mari inowanzonzi Dividend Mutual Funds nokuti kukosha kwezvikwata zvinowanzobhadhara chikwereti kuvashambadziri, asi iyo inowanzo kukohwa haina kubhadhara chikwereti kumutengesi nokuti sangano rinodzosera zvikamu kuti riwedzere kukura sangano.
- Blend Stock Funds inowedzera mune mutsara wekukura uye kukoshesa zvikwata.
Mutual Fund Style: Bond Fund Kukura
Bond fund style yakavhuniwa muzvikamu zviviri zvakakosha - Kukura uye Kubhadhara Kwereti:
Uyewo inoratidzirwa sehutano hwechibvumirano, kukura kunogona kufungidzirwa sehuwandu hwenguva , iyo inogona kunge yakasununguka uye yakashandurwa kushandura kureva makore akawanda ehutambo. Sangano rekubatanidza mari rinogona kubata mazana kana mazana ezvisungo uye kukura kunowanzoratidzwa sehuwandu hwehutano hwezvisungo zvakabatanidzwa muchikwata chemari.
- Nguva pfupi Bond mari inowanzoisa mari muzvisungo izvo zvine matanho anopfuura makore mana. Chikamu chechikamu chechinguva chiduku chebhadha ndeye Ultra Short-term Bond mari, iyo inowanzoisa mari muzvisungo pamwe nekukura kwepasi pegore rimwe chete. Vashandi vanochengetedza mari vanowanzoita sechinguva chiduku chekusungirwa mari nokuti vane chikwata chechikwereti chekushaya simba . Zvisinei, mari yenguva pfupi yezvisungo yehurumende ine chikamu chepakati chemazana chinodzokorora kudarika nguva kupfuura yepakati nepakati uye kwenguva refu yezvisungo zvehupfumi.
- Pakati pepakati-bond Bond mari inonyanya kuisa muzvisungo izvo zvine matanho anoyera pakati pemakore mana ne10. Izvozvi mari yehutano inopa kubatanidza kwekudzoka kwakanaka kwechikonzero chinokonzerwa nehuwandu hwehuwandu hwemari , ndicho chikonzero nei vashandi vazhinji vanoita sechinhu ichi chikuru chezvisungo: Maitiro ehupfumi zvakaoma kufanotaura. Nokudaro mutengesi anogona "kutasva fence" yematambudziko nekuisa mari mukati memakore-end bond bond. Kana, somuenzaniso, chido chekufarira chichikwira, mitengo yezvisungo ichaderera. Iyo yakareba kukura kana nguva, yehutano yemitengo ichachinja (nenzira yakasiyana yezvibereko zvezvibereko). Nguva shoma yenguva yezvisungo mari ichaita zviri nani mukukwira kwezvikwereti zvinotengeswa asi nzvimbo dzenguva refu yezvisungo zvingaita zviri nani mukuderera kwezinga hwekuda. Pakati pepakati-bhizimisi mari yekusungwa inowana nzvimbo yakagamuchirwa yepakati.
- Yenguva refu Bond mari inonyanya kuisa muzvisungo izvo zvine maturite kwenguva refu kupfuura makore gumi. Nokudaro mabhandi aya ehurumende ane chido chikuru chekuda mari . Kana zvikwereti zvinotarisirwa kuwira, nguva refu yezvisungo ndeyemutengi wekutengesa zvakanakisisa kune zvikwereti zvakaenzana zvakaenzana nekuenzaniswa nechepfupi uye pakati penguva-bhizimisi mari. Kusiyana kwechokwadi ndezvekuwedzera kwemari yezvikwereti (nzvimbo dzenguva yakareba yehutano huchawa nokukurumidza kana ichienzanisa nekukura kwenguva shoma uye zvingangodaro inokonzera kusabhadharwa kwakashata kwenguva refu yemari mubhadhadzi wezvikwama).
Mutual Fund Style: Bond Fund Chikwereti
Izvi zvakakura zvakasiyana-siyana zvinoratidza kukwanisa kwemukwereti kukwanisa kubhadhara vashandi vezvisungo. Iwe unogona kufunga nezvekodzero yekodhi sekambani yekambani kana nyika yekwereti. Nhamba yacho inoratidzirwa sehuwandu, iyo inokonzerwa nesangano rekuongororwa, se Standard & Poor's, pachiyero che 'AAA' yepamusoro yepamusoro yekwereti kusvika kune 'D' yekusakwanisa.
Kudhakwa kwekodhi-hutano hunozivikanwa seHurumende Yakakosha kana "Kusina" zvisungo nekuda kwehuwandu hwekusavapo (uye naizvozvo zvibereko zvakakwirira kubhadhara vashandi vehurumende nekuda kwehutano hunobatanidzwa).
Onawo: Morningstar Style Box
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.