Mhinduro shomanana: Munyika yekutengeserana kwezvikwereti , mari inotaridzwa nehurumende yehurumende yekubhadhara mari.
Zvose mari inofanirwa, nemutemo uye nenzira yakatemwa neSturities and Exchange Commission, inoratidza chiyero chemari kune avo varipo uye vanogona kuita mari.
Kuparara kweMari inosanganisira Mu Mutual Fund Expense Ratio
Iko inowanzo mutengo wehurumende yekubhadhara mari inozobatanidza mari yakawanda. Izvi zvinodhura uye mari ndeizvi:
Mafambisiro Okutungamirira:
Iyi ndiyo mari inobhadharwa nekambani yekuchengetwa kwepfetiyoti yekuisa mari yacho maererano nemvumo yakagadzwa nehomwe yebhodhi revatungamiri . Imari yekufambisa inowanzotora chikamu chakakura chechikwata chekubhadhara mari. Imwe mitero yekufambisa inogona kuenderera kubva ku 0.50% kusvika kumusoro 2.00%. Kazhinji kutaura, pasi pekubhadhara, zviri nani kumutengesi nokuti mari imwe neimwe yaunobhadhara kutarisira ipeni isinganyanyi kuwedzera pfuma yako kunyange izvi zvisiri nguva yakarurama (kunyange zviri kure nekukura kwechikamu chino, pane nguva dzinongotarisa pamari chete zvinogona kukonzera kukanganisa kwakawanda mumatare ako anokosha munguva refu.).
Makambani ekubhadhara mari anowanzowedzera mari kune mamwe marudzi emari; somuenzaniso, pasi rose kana kuti pasi rose mutual fund ichava yakakosha kudarika mhuri yekubhadhara mari asi mari yakakwirira inoruramiswa.
Mafisiro eFoctional Akadai seKutengeswa Kwemari : Mari inobatana inofanira kubhadhara vatengesi vashandi sekutumirwa sezvinoitwa nevatengi vemari; zvisinei, iyo mitengo yakanyanya kufanana ne1 ยข share kana pasi.
Mari dzinokwidziridzwa zvakakwirira - kureva kuti, dzinogara dzichitenga nekutengesa michina - inowanzoita mari yepamusoro yekutengesa mari, kuwedzerwa mutengo wehurumende yekubhadhara mari. Mukuwedzera, kubhadharwa kwepamusoro muhomwe yekusimwa kwemari inokonzera mari inogona kuwedzera mari yepamusoro yekutenga mitero nezvimwewo mari.
Mutengo Wemitengo: Makambani ekubhadhara mari anodiwa kuti ave nehupfumi hwavo hunochengeterwa nebhengi rekuchengetedza. Aya mabhangi anotarisirwa kubhadhara mathesi, zvisungo, kana zvimwe zvivimbiso panzvimbo yefambisi, mune dzimwe nguva zviyero zvemagetsi uye mune vamwe vane zvipfeko zvepanyama zvepanyama mune zvipfeko, kutora chikamu kana mari inowanikwa , kubata zviitiko zvekushandira zvakadai sekugovana kwezvitoro , uye kuchengetedza mari kuongororwa pamusoro pezvinzvimbo kuitira kuti pfuma uye kurasikirwa kwemashoko zvigone kuwanikwa nokukurumidza nevatungamiri. Mari yekuchengetedza yakawanda shoma seyero yehutano hwemari yekubatanidza mari.
12b-1 Mitero yekudhura: Iyi yekudhura kwegore negore uye mari yekudhinda inotorwa kubva kune vashandi vemari uye inoshandiswa kusimudzira mari yechinangwa chekusimudza mari. Mari inowedzera mari iyo mari, mari yakawanda iyo vatapi vemapatotikiti vanoita kubva pamitengo yavo yekufambisa. A 12b-1 mubhadharo hazviiti zvachose iwe semurimaiti kana mari yapera, ichiti, $ 100 mamiriyoni mumatengo.
12b-1 kutengesa mari inowanikwa kune chikwereti chebhadharo chekubhadhara mari nokuti iri mari yakabuda muhomwe yako kunze kwekunge iwe uine zvikamu zvako kuburikidza neumwe wevashambadzi vashomanana vanobhadhara mari iyi kune vatyairi.
Mari Yezvemitemo: Mutengo wemari inofanira kuisa mapepa pamwe chete neECE nevamwe vatongi, mapepa ekubatanidza mafaira, kuwana mamwe mabhizimisi, nezvimwe zvinhu zvakawanda zvinoda ruzivo rwepamutemo. Pamusoro pemari zhinji, mutero wepamutemo ndeye chikamu chiduku chechikwata chekubhadhara mari.
Mutero Wemafambisi Anoshandiswa: Kana mutual fund shareholder inotenga kana kutengesa chikamu chekutsvaga kwake muchikwama, mutengesi wekutumira anofanira kutarisana nemapepanhau, mari, uye zvinyorwa zvemabhuku. Vashandi vanodhinda vanobata basa rezuva nezuva rekuchengetedza zvinyorwa zvevashandi vanove vane pesa, kugadzirisa kuregererwa uye kutenga zvikumbiro zvekutenga , uye mamwe mabasa anokosha kumakungu-uye-mabhoti ari kushanda kwematengesi makuru.
Ikoko kunogona kunge kune dzimwe mari, mari, uye mari muhutano hwemari yehurumende asi asi, zvichida, kubatanidza kwezvinhu zviri muurongwa huri pamusoro apa zvichamiririra mamiriro ezvinhu ose aunosangana nazvo muupenyu hwako hwekutsvaga.
Zvimwe Zvimwe Zvikwereti Zvinofanira Kuve, asi Hazvisi, Zvichisanganisira Mutual Fund Expense Ratio
Kune zvimwe zvinhu zvishoma izvo zvakakosha mari kune mutual fund shareholder asi izvo hazvisanganisi mu mutual fund expense ratio. Izvi zvinosanganisira:
Mutual Fund Sales Mitoro: A mutual fund sales load haisi chinhu kunze kwekutumira kunoenda kumunhu kana chikwata chakaita kuti iwe uite mari yako. Kana mari yekutengeserana ine mutengo wekutengesa we5% uye iwe unoshandisa $ 100,000, iwe unobva warasikirwa ne $ 5,000 zvekutsvaga kwako uye iwe unongova $ 95,000 chete inokosha yegadziro. Mutual fund sales mitoro inenge iri nguva dzose isingadiwi uye yakaipa asi kune maitiro mashomanana apo angagamuchirwa. Semuenzaniso, vamwe vanhu vangave vasina kuchengetedza mari kana kuti vanotya uye mari kunze kwemari kunze kwekuti vaine ruoko rwavo runobata nevanyanzvi. Kana mutoro wekutengesa unoguma kune mumwe munhu anoramba dzidzo kuburikidza nekugadzirisa ukama nemupi wezano, ichave iri shoma shoma yegore rega rega mushure memakore gumi, makumi maviri, kana makumi matatu. Ini pachangu, ndinosarudza mupi wezvikwereti akabhadhara mari iyo yakaita mari kubva mukuwedzera kukura kune vashandi, kwete kutengesa michina yemari. Mutual fund sales mitoro inofanirwa kuiswa mune mutual fund yemari yakaenzana asi haisi.
Chidzidzo pane izvi zvose ndezvekuteerera kune chikamu chekubhadhara mari. Inomiririra mari chaiyo inouya zvakananga kubva muhomwe yako. Kana iwe wakafanana nevashambadzi vakawanda, unogona kusarudza kuisa mari yakaderera mari yekodzero nekuda kwebhadharo yakaderera . Haisi nguva dzose sarudzo yakakwana - mari yekuenzanisira yave ichive yakanyarara ichigadzirisa humwe hukuru hwemasarudzo mumakore mashomanana apfuura inofanira kupa chero munhu ari kunyatsoteerera chinokonzera kushushikana sezvavanouya kuzotonga nzvimbo yekutsvaga - asi vane nzvimbo yavo.
Mamwe Mashoko Pamusoro Pokutsvaga Mutual Funds
Kuti udzidze zvakawanda nezvekutsvaga mari mune mutual funds, verenga Mufambiro Wese weGreat Beginner wekutsvaga mu Mutual Funds , iyo yandinoisa pamwe chete iyo inobatanidza kune imwe yepamusoro mutual fund content paInvesting for Beginners site.