Institutional Class Mutual Funds: Chikamu I, X, Y kana Z
Ndiani Anogona Kutenga Institutional Shares
Zvikoro zvekugadzirisa mari, izvo zvinowanzonyorwa se "Inst" mari, Chikamu I, Chikoro X, Chikamu Y kana Zirasi Z, inowanzowanika kune vakura (masangano) varimi vane mari shoma yekusimwa mari ye $ 25,000 kana kupfuura.
Mune zvimwe zviitiko apo vatengesi vanoshandisa mari pamwe chete, zvakadai se 401 (k) zvirongwa, zvigadziriswa zvinogona kusangana kuti zvizoshandisa mari yezvikamu zvekirasi, izvo zvinowanzova nemari shoma shoma pane dzimwe dzidzo dzekugovera.
Saka, vaduku vemazuva ose vanogona kuwana ruzivo rwezvikamu zvekudzidzira chikamu apo imwe yehurumende yekambani inobvumira zvisarudzo kune vashandi vanotsigirwa zvirongwa zvekurasikirwa, apo pane tarisiro yokuti huwandu hwepamusoro huchasangana nevanhu vose (vashandi vanozvipira ku nhoroondo dzavo) kuisa mari yavo pamwe chete kuti vawane zvishoma.
Kubatsirwa kweInstitutional Funds
Muzvikamu zvose, masangano ehurumende yezvemakambani ari nani pane mamwe masangano okugoverana nokuti mari shoma inowirirana inoshandura mumitemo yakakwirira kune vatyairi nokuti mari yacho hairegi kubhadhara mari yakawanda kuitira chinangwa chekubhadhara mari yekushanda yehurumende. Semuenzaniso, iyo mutual fund imwechete inogona kunge yakasiyana yezvikamu zvidzidzo zvinowanika kuvarimi.
Ngatiti B share share yegadziro ine chikwereti chemari ye100% asi Chikoro I chikoro chekugovera chikamu chine chikwereti chemari ye 0.25%. Kana mari yacho iine 10% muhomwe wese mugore rose rakapiwa, mari yekudzokera kune B inowanikwa muzvikamu inenge iri 9.0%, asi kudzoka kwandinogovera vatengesi kwaizova 9.75%.
Nokufamba kwenguva, izvi zvinowanikwa 0,75% inobatsira zvinogona kureva zviuru zvemadhora akawanda kumudzimai.
Ndeipi Inonyanya Kugovana Yechikoro yeVashandi Vakawanda?
Hazvisi zvisizvo kune mumwe munhu wekusimbisa mari kuti awane mari yekugovana mari asi kune zvakawanda zvepamusoro-soro, mari shoma pasina mutoro wemari pamwe chete inogona kuita pamwe chete kana kuti zviri nani kudarika mamwe magwaro ekugovana mari.
Hapana-mero yemari inowanzotumidzwa se "vagovana vemari" uye havasi nguva dzose ine chikamu chekugovera chikoro chemazana. Saka iwe hauzowanzowani tsamba, yakadai seA, B, C kana ini, pakupedzisira kwezita rekutengesa mari.
Nhepfenyuro yemari inogona kuve yakasarudzwa sarudzo dzekuita-iwe-iwe pachako vatengesi nokuti vanowanzova dzakasiyana-siyana uye vanobhadhara mari shoma zvakanyanya.
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.