Ndeupi Mutual Fund Class R Zvokupa?

R Shandisa Mari Mari, Tsanangudzo uye Kukanganisa

Kana iwe uri wega mutengo wemari mune 401 (k) hurongwa, kana iwe wakaita tsvakurudzo kuedza kutsvaga mari yekuisa mari yefudzi yako yaunoda, iwe ungadaro wakaona kirasi R inowirirana mutengo wemari. Zvinorevei kana iwe ukaona tsamba R pakuguma kwezita rekutengesa mari? Zvechokwadi hachisi chinhu chakafanana nehuwandu hwemagetsi!

Iwe unenge uchiziva zvimwe zvezvikamu zvinowanikwa zvikamu zvekubhadhara mari , zvakadai seChikoro A, Chikoro B, kana Chikamu C.

Asi ndezvipi chaizvo zvikamu zveR uye ndezvipi zviri nani pakusimudza kune mamwe mazvikoro?

R Shandisa Mutual Funds Tsanangudzo

R mari yemari ndeye chikamu chekugovana chemari inosarudzwa inosarudzwa sekirasi yekusarura, saka tsamba 'R.' I-R class class yemari inowanikwa chete inowanika kuburikidza nemushandi wepambani-wechirongwa wekusunungurwa, zvakadai se 401 (k). R kugoverana pamwe chete mari haina mutoro (kureva mutoro wepamberi, mutoro wekupedzisira kana mutoro wepamusoro) asi vane 12b-1 mari inowanzobva kubva ku 0.25% kusvika ku 0.50%.

Chimwe chezveR Share share mhuri inowanikwa muna 401 (k) zvirongwa ndeyeAmerican Funds. 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.

Unofanira Kutenga R Share Mutual Funds?

R Shandisa mari inoshandiswa inowanikwa muna 401 (k) zvirongwa nekuti mari imwe neimwe inobhadhara mitoro haigamuchirwi mumashandiro anobhadharwa mabasa ekurasikirwa.

Nokudaro, makambani ehurumende yehurumende inowanzopa mari pamwe chete iyo inotakura mitoro, iyo inotengeswa kuburikidza nemitambo-based brokers, yakauya nekirasi reR -share kuti inopoteredza dambudziko iroro.

Kunyange zvazvo zvikamu zveR R zvinogona kuva nezvikwereti zvinodhura , uye zvinogona kuva nani kupfuura kushandisa mari yemutoro, seAA, chikamu cheB kana zvikamu zveC , vanoramba vachikwirira kupfuura kunyora mari.

Semuenzaniso, American Funds Growth Fund yeAmerica R1 (RGAAX) ine chikwereti chemari inokwana 1,44%, iyo iri pamusoro pevhesi yemari yekukwanisa kushandiswa zvakasimba.

Zvisinei, fanisa izvozvo neVanguard Growth Index (VIGRX), iyo ine chiyero chemari ye 0.18%, uye iwe une musiyano we 1.26% uchida VIGRX. Nokufamba kwenguva, chiyero chikuru chemari yeR share fund chichava chikuru chekukanda kushanda uye inogona kushandura muzviuru zvemadhora zvishoma muhuwandu huwandu munguva refu.

Pasi pepamusoro pakuisa mari muR Share Mutual Funds

Zvine njere kushandisa zvakanaka chero zvipi nezvipi zvinowirirana nemupiro wako waunoshandira kana iwe uchipa iwe pachako 401 (k). Zvisinei, iva nechokwadi chokuti iwe unoteerera kune mari, kunyanya kana pasina mushandi akakodzera. Nokudaro, iwe unogona kusarudza kuzarura kero yako yekubvisa mari, yakadai seye Individual Retirement Account (IRA), pane imwe yemakambani akanakisisa asina mutoro makambani emari .

Asi kana iwe uchida kubhadhara pabasa rekushandira 401 (k) urongwa, uye R share money ndiyo chete sarudzo, unogona kuchigadzirisa uye unowana zvakanakisisa zviripo zvinosungirira zvinangwa zvako uye kushushikana kwengozi. Zvisinei, anopa sarudzo pakati pezvikamu zveR uye mari yakaderera-index index, vazhinji varairi vese vakachenjera kusarudza purogiramu yemari, kunyanya kana ichitsvaga kwemakore gumi kana kupfuura.

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.