Kodi mutual funds ndi chiyani

Les mutual fund ndi galimoto yosungiramo ndalama yomwe imaphatikiza ndalama za osunga ndalama angapo kuti aziyika ndalama zosiyanasiyana monga masheya, ma bond kapena zitetezo zamsika.

Ndalama zonse zimatengera mfundo imodzi: gwirizanitsani ndalama yomwe ndi ya osunga ndalama angapo omwe ali ndi malingaliro oyika ndalama pazitetezo zambiri komanso zosiyanasiyana.

Zotetezedwa izi zitha kukhala zogawana, zida za msika wa ndalama, kapena ngakhale zomangira. Aliyense amene ali ndi mayunitsi amapatsidwa gawo lolingana ndi kuchuluka kwa magawo omwe ali nawo kuchokera muzachuma, zomwe zimachokera kuzinthu ziwiri:

• Ndalama: chiwongola dzanja choperekedwa pachitetezo chandalama kapena zolandilidwa zolandilidwa.
• Kupeza ndalama kapena kutayika zomwe nthawi zambiri zimachokera ku kugulitsa zitetezo zomwe zasungidwa.

Choncho thumba lililonse limaperekedwa kwa woyang'anira thumba yemwe amagula ndi kugulitsa ndalama zosiyanasiyana. Imachita izi molingana ndi cholinga cha thumbacho chomwe chingakhale: kukula kwa nthawi yayitali, kusunga ndalama, ndalama zanthawi yochepa kapena kuphatikiza kwakukulu kwa zitatuzi.

Kutengera ndi cholinga chake, thumba likhoza kuyikidwa mu ma bond, equities, zida za msika wandalama kapena kuphatikiza kwa 3 zotetezedwa. Tiyeni tizipita!!

🌿 Kodi maubwino a Mutual Funds ndi ati?

Kwazaka makumi awiri zapitazi, ndalama zogwirizanitsa zakula kwambiri chifukwa cha ubwino wotsatira.

✔ kasamalidwe akatswiri

Ndalama zomwe mumayika mu mutual fund ndi yoyendetsedwa ndi akatswiri omwe, tsiku ndi tsiku, amapanga zisankho zandalama potengera kafukufuku wozama, zambiri zamsika, mapulogalamu apamwamba komanso zomwe adakumana nazo.

✔ Zosiyanasiyana

Ndalama imodzi yokha yogwirizana yokha ikhoza kukhala ndi chiwerengero chochuluka kwambiri cha zotetezedwa poyerekeza ndi chiwerengero chomwe osunga ndalama ambiri omwe ali odzipangira okha angakwanitse.

Izi zimawapatsa mwayi wofalitsa zoopsazo ndi kuchepetsa zotsatira za kusinthasintha kwa msika.

✔ Zosankha zosiyanasiyana zilipo

Poganizira kuchuluka kwa ndalama zomwe zimagwirizanitsa, osunga ndalama ali ndi ufulu wopeza zomwe zimakwaniritsa zolinga zawo.

✔ Kupezeka kosalekeza kwa zothandizira

Mayunitsi omwe muli nawo mu ndalama zogwirizanitsa akhoza kugulidwa ndikugulitsidwa nthawi iliyonse kuti aliyense wobwereketsa athe kupeza ndalama zawo mosavuta.

✔ Kusinthasintha

Pamene zolinga za ndalama za osunga ndalama zikusintha, amakhala ndi mwayi wosuntha ndalama zawo pakati pa ndalama mopanda malire.

🌿 Mitundu ya ndalama zothandizirana

Masiku ano, tili ndi ndalama zingapo zogwirizana, zomwe zofunika kwambiri ndi izi:

✔️ Fund yogawa katundu

Cholinga chachikulu cha ndalama zogawira ndalama ndikupereka ndalama zosiyanasiyana kwa osunga ndalama ndi galimoto imodzi yomwe imaphatikiza ndalama ndi zolinga za kukula.

Kuti izi zitheke, ndalama zogawa chuma sizimatero sizimayikidwa m'gulu limodzi la zinthu, koma m'ma bond ambiri, ndalama ndi masheya, zomwe zimawapangitsa kukhala mabizinesi osiyanasiyana.

Ndi kusiyanasiyana kwazinthu, ndalama zomwe zimagawika zimasokonekera pang'ono pakutsika kwa msika wa masheya chifukwa zimakhala zochepa kugawo limodzi lokha.

Ndalamazi zimapereka chitetezo chapakati komanso kupereka mwayi wopeza ndalama zambiri pakanthawi kochepa. Ndioyenera kwa osunga ndalama omwe ali okonzeka kuvomereza zoopsa zina kuti apeze kukula kwachuma komwe akufuna. Popanda, komabe, kuwerengera ndalama zocheperako pakanthawi kochepa.

✔️ Ndalama zotetezedwa ndi ndalama zokhazikika

Nthawi zambiri, ndalama zokhazikika zimayika m'masheya omwe amakonda komanso ma bond.

Ndi ndalama izi, muli ndi ndalama zazifupi kwambiri kuposa ndalama za msika wa ndalama, koma zimakupatsani kusunga ndalama zochepa. Poyerekeza ndi mitengo ya equity funds, mtengo wawo nthawi zambiri umakhala wokhazikika.

Kubweza ndi kusunga ndalama zimasiyana kwambiri kuchokera ku thumba limodzi lachitetezo kotero kuti ndalamazo zimakhazikika ku zina.

Pankhani yandalama zokolola zambiri, zomwe cholinga chake ndi kukulitsa kubweza kudzera mu ma bond anthawi yayitali, otsika, komanso omwe amawonetsetsa kuti chuma chisungidwe pang'ono kuposa ndalama zomwe amapeza zomwe zimayikidwa muchitetezo chokhala ndi zokolola zochepa, koma kukhala ndi khalidwe labwino.

Tiyenera kudziwa kuti pakati pa ndalama zomwe amapeza osasunthika, ena amafuna kuchepetsa chiwopsezo pogwiritsa ntchito ndalama zotetezedwa zomwe zimatsimikiziridwa ndi Canada pokhudzana ndi kubweza ndalama ndi kulipira kwa wamkulu.

Ndalamazi ndizoyenera kwa osunga ndalama omwe angafune kukulitsa ndalama zawo kwakanthawi kochepa pomwe akuvomereza chiwopsezo chochepa kwambiri.

Cholinga chachiwiri chandalama zake ndikukula kwachuma, chifukwa ndalamazi zimatchuka kwambiri ndi anthu opuma pantchito kapena osunga ndalama omwe akufunafuna gwero la ndalama zomwe zimakhala ndi chiwopsezo chochepa.

✔️ Ndalama zaku Canada

Ndalama za equity izi zimayikidwa m'masheya omwe ali ndi makampani osiyanasiyana aku Canada. Wogulitsa ndalama aliyense amene amapeza ndalama zogulira ndalama zaku Canada amakhala eni ake achindunji a chitetezo chilichonse mu thumba la thumba.

Kuyika ndalama m'makampani, ndalama zina zaku Canada zamalonda zimagwiritsa ntchito ndalama zawo zamsika, zomwe zimagwirizana ndi mtengo wamsika wamagawo onse omwe atsala.

Nthawi zambiri, Canada equity imathandizira kuti capitalization otsika amaikidwa mu makampani chifukwa chake kukula kwake ndi kochepa kwambiri kapena kwapadera kwambiri, pomwe ndalama za equity ndi capitalization yayikulu zimayikidwa m'makampani akuluakulu.

Zolinga za aliyense zimasiyana kuchokera ku Canada equity fund kupita kwina.

• The dynamic kukula fund. Pano, ndalama zimayikidwa m'makampani omwe amadziwika ndi kukula kwapadera. Tili ndi, mwachitsanzo, makampani ang'onoang'ono omwe ali muzopereka zawo zoyambira.
• Ndalama za kukula. Ndalamazi zimayikidwanso m'makampani omwe amadziwika ndi kukula kwawo kolimba komanso kuthekera kwawo kuti apindule ndi kuyamikira.
• Ndalama zopezera ndi kukula. Izi ndi ndalama zomwe zimayikidwa m'makampani osiyanasiyana omwe amapereka kawonedwe kakang'ono kakukula ndi chiwongola dzanja chokwera kwambiri. Tili ndi, mwachitsanzo, ntchito zapagulu.

Pamene pali kuwuka ndi kugwa pa msika wamasheya, izi zimapita ku equity funds.

Ngakhale kuti masheya akhala akuchita bwino kwambiri kuposa zida zina, tilibe chitsimikizo kuti izi zipitilira pakanthawi kochepa. Chifukwa chake, lero, masheya aku Canada adalembedwa ngati gawo la a njira yayitali yopangira ndalama.

✔️ Ndalama za Equity padziko lonse lapansi

Ngati kusiyanasiyana kuli gawo la zolinga za mutual funds, Kodi si njira yachidule yoti agwiritse ntchito chuma chomwe chafalikira padziko lonse lapansi? Chifukwa ndi malingaliro omwe amakhala patsogolo kuposa ndalama zapadziko lonse lapansi. Ndalamazi zimangoyikidwa m'masheya akunja, koma zitha kukhala ndi zitetezo zina zaku Canada.

Poganizira mfundo yakuti ndalama izi ndi kusakhazikika, ndi chiopsezo ubwino poyerekeza ndi ndalama zaku Canada, chilichonse pano chimadalira kusinthasintha kwa mitengo yosinthira, mikhalidwe yapadziko lonse lapansi ndi zinthu zina zachuma ndi ndale.

Mutha kugulitsa ndalama zapadziko lonse lapansi m'magulu akulu, apakati kapena ang'onoang'ono, ngakhalenso m'mafakitale enieni. Tili ndi mitundu yosiyanasiyana yomwe tiyenera kusiyanitsa. M'malo mwake, thumba lapadziko lonse lapansi liyenera kuyikidwa limodzi ndi zotetezedwa zaku Canada ndi zakunja.

Thumba lomwe limadzitcha lapadziko lonse lapansi liyenera kukhala ndi zotetezedwa zakunja. Ndalama yachigawo imayang'ana kwambiri gawo la msika. Ndalama zomwe zimati zikubwera patsogolo zimaika patsogolo mayiko omwe akutukuka komanso ndalama zomwe zalembedwa pa malonda a masheya m'mayikowa.

🌿 Momwe mungasungire ndalama mu Mutual Fund?

Mukayika ndalama mu mutual fund, mumagwirizanitsa ndalama zanu ndi za ogulitsa ena, otchedwa unitholders, kuti mupeze zotetezedwa zosiyanasiyana monga masheya, ma bond kapena zida zamsika.

Zotsatira zake, mumalandira magawo angapo molingana ndi zomwe mwagulitsa. Mutha kutsegula akaunti ndi FlexiFunds pa intaneti kapena pafoni.

Njira yopulumutsirayi imapereka chithandizo chotsika mtengo kwa osunga ndalama, kuwonjezera pa kuwapatsa mwayi wopeza zinthu zogulira ndalama zokhala ndi gulu lamphamvu la Quebec, lomwe limathandizira chuma chakumaloko, komanso omwe ndalama zake zowongolera zili m'gulu lotsika kwambiri pamsika. Musanayike ndalama zanu, choyamba ndikuchita kukudziwani bwino pankhani yoika ndalama pofotokozera mbiri yanu yamalonda.

Izi zimathandizira kukhazikitsa kulolerana kwanu pachiwopsezo, chomwe chidzawonetsedwa pakuphatikiza ndalama zomwe mumagulitsamo. Kuti mudziwe bwino nokha ngati Investor, muyenera kudziwa momwe ndalama zanu zilili komanso zolinga zanu.

Simungapange ndalama mwanjira yomweyo ngati mutasunga ndalama zogulira nyumba mkati mwa zaka zitatu ngati mutapuma pantchito, mumawerengera. kutenga zaka 20.

Mkhalidwe wanu wachuma umakulepheretsaninso kutha. Kodi muli ndi mwayi wopeza ndalama ngati mukukumana ndi vuto lalikulu? Kodi ndalama zanu zakhazikika?

Pomaliza, kulolera kwanu pachiwopsezo kudzatsimikiziridwa ndi kuthekera kwanu kuvomera kubweza, ndipo mwinanso kutsika kwa mtengo wandalama zanu.

🌿 Kutseka

Nkhani yathu inali yokhudza ndalama zogwirizana ndipo titha kunena kuti ndikofunikira kuti wochita bizinesi aliyense ayambe mu chilengedwechi chifukwa cha kusiyanasiyana kwake komanso zabwino zina zambiri.

Takupatsirani ndalama zosiyanasiyana zomwe zilipo, zili ndi inu tsopano kuti mupange chisankho chanu kuti mukhale pakati pa atsogoleri ndikupindula ndi ufulu womwe umakupatsirani.

🌿 Mafunso Ofunsidwa Kawirikawiri

✔ Kuopsa kotani?

Mukakhala ndi mutual fund mukhoza kutaya ndi kuzindikira zopindula. Mlingo wa chiwopsezo umasiyanasiyana malinga ndi kulekerera kwanu pachiwopsezo.

Ngati ntchito ya thumba imasintha kwambiri chaka ndi chaka, imatengedwa ngati thumba lachiwopsezo, chifukwa ntchito yake ikhoza kugwa ndikukwera mofulumira.

✔ Kodi cholinga cha thumbali ndi chiyani?

Muyenera kukumbukira kuti zolinga zanu ndi zofanana ndi za thumba. Chifukwa zimapanga ndalama zokhazikika, zomwe zimakupatsani mwayi wosankha nthawi yogulitsa, ndikuphatikizana ndi ndalama zanu zosiyanasiyana.

Tinamaliza. Koposa zonse, chonde gawanani ndi anzanu komanso anzanu kuti nawonso apindule nawo.