Ndizvo Zvakanaka Kutenga A, B, kana C Zvokugovera?

Onai iyo Mutual Fund Yechikamu Yakagovera ndiyo Best For You

Hazvina maturo kutaura, zvakasiyana-siyana zvekugovera zvidzidzo zvinowanzoita kuti mutengo wekutengesa mari yekutengeserana yakaoma kupfuura yakakosha. Asi neropafadzo iwe wakasvika pane ino, iyo inobatsira kuita pfungwa yezvikamu zvekugoverana, A Shares, B Shares uye C Zvimwewo, uye mushure mokunge uzviverenga iwe uchaziva kuti ndeipi yakakunakira iwe (kana kuti zvimwe haisi nani ).

Kune zvikamu zvakasiyana- siyana zvikamu zvekubatana mari .

Izvo hutano hunoratidzika kunge huchivhara zvese nhamba dzose. Pane A, B, C, D, I, K, R, uye Z zvikamu. Uye ndizvo chete zvandakamboona; saka pane vamwe vari kunze uko!

Basics pa Mutual Fund Share Makirasi

Pfungwa yekutanga uye yakanakisisa yekuita pamusoro pekubhadhara mari kune zvikoro ndeyekuti, kana iwe uri-iwe-iwe pachako iwe wekusima mari, iyo yakanakisisa yekugovera kirasi yako haisi yepamusoro chikamu chekugovera - haisi mari yekutakura ! Dzimwe nguva makambani ekubhadharisa mari achaisa mari yekutakura se "masheya emari."

Chikonzero chakanaka chokutenga A share, B kana zvikamu zveC uye pamwe chete mari ndeyekuti une mupi wezano kana mutengesi anokweretwa nekomiti. Kana iwe usingazivi kuti nei, uye iwe uchida kuziva zvakawanda, ungada kuita mamwe mabasa edzimba nekuverenga nyaya yangu pakusarudza mupi wezano rakanakisisa .

Hezvino zvakakosha pane mutual fund share classes:

• Kirasi A Share Mutual Funds : Iyi mari inobhadhara izvo zvinonzi " mberi mutoro ," izvo zvinoreva kuti iwe uchabhadhara chikamu chemari yako yekutenga nguva dzose paunotenga zvikamu. Pamberi pemitoro inowanzosvika pakati pe3% ne5% asi inogona kuva yakakwirira. Somuenzaniso, kana iwe uchitenga A Share mutual fund ne 5% pamberi mutoro, uye iwe uri kutenga $ 10 000 zvezvikamu, uchabhadhara $ 500. Mumashoko akasiyana, iwe uchagumisa kutenga $ 9,500, kwete $ 10,000.

• Chikoro B Kugovana Mutual Funds : Iyi mari inokwidza "mutoro wechikwereti," uyewo unonzi "chikwata chekutengesa kutengesa (CDSC), zvinoreva kuti iwe uchabhadhara chikamu chemari inokosha yezvikamu zvinotengeswa. mari hauna kubhadhara mberi asi iwe unobhadhara iwe paunotengesa.Nenzira yekuti mutoro wekunonoka unononoka zvishoma nezvishoma apo iwe unobata chikwereti uye pakupedzisira mutoro unopfuurira kusvika ku zero.Asi zvakadaro, imwe yeruzhinji yeB share share ndeyekuti Vanowanzova nechokuita chinonzi 12b-1 mari, iyo inowedzera mari yemari. Izvi zvinoshandura kuderedza kudzoka apo iwe unobata chikwereti.

• Chikoro C Kugovana Mutual Funds : Iyi mari inobhadhara izvo zvinonzi "mutoro wekutakura," izvo zvinoreva kuti kune mari inoramba iripo, kazhinji 1.00%, chero bedzi iwe uine chikwereti. Izvi zvinowedzera mari yehwamanda uye inokonzera pasi kudzoka, kufanana nemari 12b-1 nemabhadha B.

Ipi Yechikamu Yechikamu ndiyo Best - A, B, kana C?

Zvakare, kana iwe uri-iwe-iwe pachako iwe mutengesi, hapana-mutoro wemari inogona kunge yakakosha iwe pari. Vanowanzova nemari yakaderera mari uye hapana mutoro kubhadhara. Izvi zvinoshandura kunodzoka kwepamusoro kwenguva yakawanda nokuti mari yako yakawanda iri kugara muhomwe, pane kungobuda kunze kwemaoko ewadhi broker kana mutual fund kambani.

Asi kana iwe uri kutenga mari yakatakurwa, heino kutyisa kwepamusoro pane zvakakunakira iwe:

• Apo Zvikamu Zvakanakisisa : Vashandi venguva refu (makore anopfuura 5 uye zvechokwadi vanopfuura 10) vachaita zvakanakisisa neA share money. Kunyange zvazvo mutoro wepamberi ungaita sewokukwirira, iyo inoramba iripo, mukati mezvikwereti zveA share mari inowanzove yakaderera kudarika maB na C.
• Apo B Zvimwe Zvokugovera Zvakanakisisa : Kana iwe uchifunga kuti uchatengesa zvikamu zvako munenge makore mashanu kusvika kune manomwe, uye mari yekudzokera shure inoderera gore negore, zvikamu zveB zvinogona kuva pfungwa yakanaka nokuti haungabhadhara chero mutoro uri mberi uye iwe Ichabhadharira zvishoma kana kuti hapana kana iwe uchitengesa. Ingova nechokwadi chokuti chiyero chemari hachina kukwirira (tarisiro haisi yakakwirira kupfuura 1.00%).

• Apo C Zvokugovera Zvakanakisisa : Ichi chikamu chikamu kazhinji chinonyanya kufunga apo iwe uchange uine mutual fund yako yenguva kwenguva pfupi (kupfuura gore rimwe chete asi pasi pematatu). Iwe haubhadhara mutoro wepamberi asi mutoro wekudzokera dzimwe nguva unotengesa kana iwe uchitengesa chikwereti mukati megore rimwe chete. Izvo zvinoramba zvichienderera mberi 1.00% mutengo wepamusoro inotora mari inopfuura nguva, ndicho chikonzero izvi zvakakosha kwemakore matatu kusvika matatu.

Chinonyanya kukosha, chiri kuedza kuchengeta mari shoma sezvinokwanisa uye kungotenga mari yakakodzera zvinangwa zvako zvekutsvaga uye kushungurudzika kwengozi.