Kwete-Load Mutual Fund Mari nezvikomborero pamusoro pekubhadhara mari
Sezvakangoitika munharaunda yese yekuisa mari, izvo zvinonyanya kukosha pakusarudza kushandiswa mune mamwe marudzi edziviriro kunobva kune zvinangwa zvemari uye zvido zvako.
Mune mamwe mazwi, mhinduro kumubvunzo uyu, "Iwe unofanirwa kuisa mune imwe-mutoro mari inobatanidza mari," inotanga nemhinduro mbiri-shoko: Inotenderera. Heino mhinduro yemhinduro:
Chii Chinonzi Mutual Fund Mutoro?
A mutual fund load ndeyemari inotengesa apo mumwe mutengesi anoita mutengesi mune zvikamu zvemari. Mitoro inogona kupiwa mhosva pamutengo wemari yemari (kumberi-mberi kwemutoro) kana pakutengeswa kwezvikamu zvemari (mitoro yekupedzisira). Iyi mitoro inobhadharwa kune mutengesi nokuda kwekutengesa mari (kana kupa zano kune mumwe mubhadhari kutenga iyo mari). Mari yemari inenge isingakwanisi kutakura mitoro inozivikanwa seye-mutoro mutual funds.
Vamwe vanogovera zvidzidzo zvemari zvinogona nyore nyore kuvhiringidzika nevasa-mutoro mari pamwe chete. Kazhinji, zvikamu zvechikoro B uye zvigaro zveClass C hazvibhadhare mutambo wekupedzisira. Mune mamwe mazwi, pamusoro pepamusoro, zvinoratidzika kuti kana iwe ukasimudza mune chikoro chechikoro B kana C iwe uri kuisa mune imwe-mutoro mutual fund. Muzvokwadi, uri kutenga chikwereti chinotakura mushure wemagetsi (zvinoshandiswa zvakaderedzwa kutengesa mutengo ) uye yakapfuurira inosvika 12b-1 mari.
Ichokwadi chechina-mutoro mutual fund haina mhedziso yepamberi kana yekupedzisira yekutsvaga kutengesa.
Mari Inotakura Mutual Fund Inobhadharwa Zvakadini?
Takataurirwa kangani kuti hapana chinhu chakadai sekudya kwemasikati? Izvozvowo zvinotsigira pasina mutoro wekutengeserana mari: Hapana "kusununguka" munyika yekutsvaga mari. Hapana-mutoro wekutengeserana mari inogona kunge isina chekutengesa mitoro (mitoro), asi vane mari.
Zvose zvikamu zvemari - mutoro kana mutoro - kutakura mari inobhadharwa kubva mune mari yehupfumi kune vadzidzisi vemari yekutsvaga mari (kunze kwekubhadhara mutariri / mutengesi anotengesa mari). Mune mamwe mazwi, vatengesi vanoona mari iyi sekuderedzwa kwemari yavo yekudzorera maererano nebhadharo pamabhanki avo kana mukutaura kwemari.
Mutero wekubhadhara mari inoratidzirwa mune chimwe chinhu chinonzi chiyero chemari, icho chikamu chinoratidza kushandiswa kwemari yekubatana mari. Mari nezvikwereti zvinosiyana zvikuru kubva mune mari yekubhadhara uye zvinogona kubva pane zvishoma pane 0.10% kusvika kune 2.00%, zvichienderana nehuwandu hwekutsvaga kwekutsvaga , mutengo wemari , mari yemari, yekambani yekambani uye chikamu chekugovera chesimba.
Tenga No-Load Mutual Funds Pamusoro Pako Chako kana kuburikidza neMuridzidzisi?
Vamwe varimi vanosarudza kuisa mari mumutengo wekutengesa mari pachavo pachavo. Murimi wega wega ane zvikonzero zvake zvaanoita iwe-iwe-iwe pachako nzira. Zvikonzero zvinosiyana zvakasiyana nekudzivisa mari yekubhadhara mari yekusavimba nevakuru vemazano emari.
Vakawanda vanoita-ivo-iwe pachavo vatengesi vanosarudza nzira inowanzogadzirwa yekutenga mari isingadhuri mari yekubatana mari kuburikidza neVanguard uye / kana T. Rowe Price. Vanokwanisa kusarudza mari yakawanda, yakasarudzwa yakachengetedzwa iyo inotevera chinyorwa seS & P 500 Index.
Vanogona kuunganidza mazita akasiyana-siyana kuitira kuti vagadzire nzvimbo dzakasiyana-siyana dzinenge dzakawanda kana zvikamu zvakawanda zvemusika
Kune rumwe rutivi, varimi vakawanda vakawana mazano avo vakavimbika vanobhadhara mari inobva pane zvakasimwa mari panzvimbo pokubhadhara rekutengesa komiti. Vatapi vemari chete ndivo vanogona kubatsira vabhizimisi kuti vawane mari yakakodzera yekugovera inobva kune zvinangwa zvevatengesi uye vanovabatsira kuti varambe vachienda mukana nenguva dzakanaka uye dzakaipa.
Vashandi vanobhadhara mari inobva kune zvinhu zviri pasi pekutungamirirwa, panzvimbo pekutumirwa kwemakomisheni kubva kukutengesa, kuratidzira kuti vanogona kukonzera zvinodiwa zvemuti wekutsvaga nokuti hapana chinokurudzira kutenga kana kutengesa.
Pasi Pasi rekutenga Hapana-Mutoro Mutual Funds
Kunyangwe iwe usingatengi mari-mutoro kana mari nemutoro, kana iwe iwe-iwe-iwe pachako kana kuburikidza nemudzidzisi, iwe unofanirwa kunzwisisa kuti hapana mutoro mutual fund ndeye uye chii chisina mutoro mutual fund hachisi.
Iwe unofanirwa here kuisa mari mukati memari-mutoro mari pamwe chete kana mari nemutoro? Iwe unofanirwa here kuisa mari yekutakura mari yako pachako kana kuburikidza nemudzidzisi? Iwe usati waita chisarudzo, unofanirwa kunzwisisa kuti hapana mutoro mutual fund ndeye uye chii chisina mutoro mutual fund hachisi.
Chinonyanya kukosha ndechokuti hapana-mutoro wemari inenge nguva dzose inosarudzwa pane mari yakatakurwa. Ingova nechokwadi chokuti hauna mari yako yekutakura 'mari inowanikwa mari iri pasi pevhareji.
Iva nechokwadi chekutarisa mazita edu evhareji yemari yakaenzana .