Mutual Fund Mutoro uye Maererano Nezvikwereti Zvinokonzera Zvakananga Pamutengo Wako Wokudzoka
Mari imwe neimwe inobatanidzwa mari inomiririra muridzi wezvemari muhomwe uye mari yaunowana. Kune mari pamwe chete kune inenge imwe neimwe chinangwa chiripo uye maonero emari. Sezvo kune mari inoshandiswa nekutengesa zvigadziro zvevanhu pamusika, kune mari inoshandiswa nekugadzirisa mutual fund. Ndiyo apo mutual fund fund inouya.
Kuti uite zvisarudzo zvakanakisisa kana uchinge uine mari mune zvekugadzirisa mari, zvakakosha kunzwisisa kuti chii chinokosha chekubhadhara mari uye mari inoshanda.
Mutual Fund Mutoro
Paunenge uchitenga chikamu chekutengeserana mari, chimwe chezvinhu zvinokosha iwe unoda kuziva ndehuwandu hwemari iyo ichaderedzwa kubva kune iwe wekutsvaga kana kuti iwe unobhadharwa newe. Iyi mitero inogona kunge ine simba rekudzoka kwese iwe unogadzira.
Chokutanga, kune mari yekuti vamwe vatengi vanobhadhara semitambo kana iwe uchitenga kana kutengesa mari yekutengeserana. Iyi mitero inonzi mitoro uye inotarwa sezana yehuwandu hwekutenga kana kutengesa.
A mutual fund anogona kuva:
- iri pamberi pechikwama chemari , zvinoreva kuti iwe unobhadhara zvimwe zvikamu zvekutenga kwako sekutumira mberi
- chikwereti chemashure , zvichireva kuti iwe unobhadhara komisheni (seperesenti) apo iwe unotengesa zvose kana chikamu chekubata kwako muhomwe
- iyo mari inoramba iripo- inotora mari inowanikwa nguva dzose
- kana se -non-load fund , zvichireva kuti iwe haubhadhari mutero. Kubva pamutengo chaiwo wekudzorera, iyi ndiyo chete yeruzhinji yemari inoshandiswa mutengo wevatengi vanofanira kutenga asi haisi nguva dzose inowanikwa.
Hazvisi zvisingazivikanwi kuti mutoro uve wepamusoro sa 5.75%, naizvozvo kana ukaisa $ 10 000 mune imwe yemari yekutakura-mari, iwe ucharasika $ 575 pakarepo. Asi mari yekudzokera shure haisi inorwadza. Pamwe iwe unoona mari yawakabvisa kubva pane zvawaifunga kuti yaive yako yawanikwa kana, zvakanyanya zvakadaro, iwe unogona kurasikirwa nemari pane iwe uchirima uye unofanirwa kufukidzira mari yekudzokera shure kana iwe uchitengesa.
Kunyange pakutanga pakutanga mutoro wekutengeserana unogona kuve wakakosha maererano nehuwandu hwekutsvaga kwekutsvaga kwekuita, hupfumi hwekutsvaga mari, kana kuti mukurumbira, zvakakosha kuziva zvakajeka mari yacho isati yasara. Kune humwe hutano hwakakosha mari isina mutoro, zvakadai seVanguard uye Fidelity mari nevamwe vakawanda. Zvisinganzwisisiki, mari iyi inowanzoperesa mari yakatakurwa.
Mutual Fund Expense Ratios
Usati watenga mari yekutengeserana, iwe unofanirawo kugara uchitsvakurudza chikamu chemari yebhadharo . Iyi ndiyo yehuwandu yemari yemari iyo inoderedzwa kubva pamaripo gore roga roga kubata mari yekushandisa mari. Mamwe mari ane mari inonzwisisika isiri kudarika 1%.
Vamwe vanogona kuva 3% kana kupfuura. Iyi mitero inobva pane yako yaunowana, saka iyo yakaderera mari, yakakwirira yako chaiyo yehutano hwekudzoka.
Nhamba yebhadharo inoumbwa neyo, iyo ndiyo mari yekubhadhara kudengesa kwechikwama kune vashandi vanogona, uye mari yekuitisa , iyo inopa mibairo yevatariri vemari. Haasi mari yose inokwereta mari 12b-1, asi kana ikadaro, inotenderwa zviri pamutemo kuinyorera mu prospectus (iyo yakagadziriswa chipo chekutengesa zvigadzirwa kuvanhu). Ivhareji yemutual fund expense ratio iri pakati pe 1.3-1.5%. Asi sezvakaenzana nemuwandu wepamusoro, zvechokwadi, pane mari iyo mari inoshandiswa mari iyo yakawanda uye imwe yakawanda kwazvo.
Mamwe mari, akadai saVanguard, anoita basa rakanakisisa rekuchengeta mari shoma kuitira kuti mari yakawanda yemari yemari inokwanisika inodzoserwe kuvasimari, kwete kubhadhara kuvatungamiriri.
Kuti uise mari yeimwe mari yekuona, fanana navo Vanguard.
Iwe unogona kutsvakurudza mari nemari yezvimwe zvekutengesa mari paIndaneti.