Chii chinonzi mutual funds

Les mutual fund imotokari yekudyara inosanganisa mari yevazhinji vanoisa mari kuti vadyare mune dzakasiyana siyana securities semasheya, mabhondi kana mari pamusika wemari.

Kudyidzana mari kwakavakirwa pane imwechete musimboti: batanidza mari inova yevakawanda vanoisa mari vane mazano ekudyara mune yakakura uye yakasiyana siyana chengetedzo.

Zvibatiso izvi zvinogona kuva mashare, zviridzwa zvemusika wemari, kana kunyange zvisungo. Mumwe nemumwe anobata chikamu anopihwa chikamu chakaenzanirana nenhamba yezvikamu zvaanazvo kubva mukudyara, izvo zvinouya zvakanyanya kubva kune maviri masosi:

• Zvawanikwa mubereko unobhadharwa pamahomwe ekuchengetedza kana migove yakagamuchirwa.
• Kuwana mari kana kurasikirwa izvo zvinowanzoitika kubva mukutengeswa kwezvibatiso zvakabatwa.

Homwe yega yega inopihwa kune fund manager uyo anotenga nekutengesa mainvestments akasiyana siyana. Inozviita zvinoenderana nechinangwa chehomwe chingave: kukura kwenguva refu, kuchengetedza mari, mari yenguva pfupi kana musanganiswa mukuru wevatatu.

Zvichienderana nechinangwa chayo, homwe yacho inogona kuiswa mumabhondi, equities, mari yemusika zviridzwa kana musanganiswa wezvibatiso zvitatu. Handeyi!!

🌿 Ndezvipi zvakanakira Mutual Funds?

Kwemakumi maviri emakore apfuura, mutual funds yakakura mukuzivikanwa nekuda kwezvinotevera zvakanakira.

✔️ manejimendi ehunyanzvi

Mari yaunoisa mutual fund ndeye inotungamirirwa nenyanzvi avo, zuva nezuva, vanoita sarudzo dzekudyara zvichibva pakutsvaga kwakadzama, ruzivo rwemusika, software yakaomesesa uye zvakare ruzivo rwavo.

✔️ Diversification

A single mutual fund chete inogona kuva nenhamba yakawandisa yezvibatiso zvichienzaniswa nenhamba iyo vatengesi vazhinji vanozvishandira vanogona kuwana.

Izvi zvinovapa mukana wekuparadzira njodzi uye kuderedza mhedzisiro yekusagadzikana kwemusika.

✔️ Zvisarudzo zvakasiyana-siyana zviripo

Tichifunga nezvekusiyana kwemari yekudyidzana, vanoisa mari vane rusununguko rwekutsvaga izvo zvinosangana nezvinangwa zvavo zvekudyara.

✔️ Kugara kuripo kwezvinhu

Iwo mayunitsi aunobata mune mutual fund anogona kutengwa uye kutengeswa chero nguva kuitira kuti wega wega wega awane mari yavo nyore.

✔️ Kuchinja-chinja

Sezvo zvibodzwa zvekudyara zvevanoisa mari zvichishanduka, vane mukana wekufambisa mari yavo pakati pemari zvisina musono.

🌿 Mhando dzemari dzakabatanidzwa

Nhasi, tine akati wandei mutual fund, iyo inonyanya kukosha ndeye:

✔️ Homwe yekugovera asset

Chinangwa chekutanga chekugovera mari ndechekupa vakasiyana vatengesi nemotokari imwechete inosanganisa mari uye zvinangwa zvekukura.

Kuti izvi zviitike, mari yekugovera asset haiite haina kuiswa mukirasi imwechete yeasset, asi mune akawanda kunyanya mabhondi, mari uye masheya, izvo zvinoita kuti zvive zvakasiyana-siyana zvekudyara.

Nekusiyana kweasset, mari yekugovera inotambura kurasikirwa kushoma mukuderera kwemusika wemasheya nekuti ivo vane zvishoma kuratidzwa kune imwechete indasitiri chikamu.

Mari idzi dzinopa mwero kuchengetedza mari uye ipa yakakwira yakadzika-kati mari inogoneka munguva pfupi. Iwo akakodzera kune vanoisa mari vanoda kubvuma dzimwe njodzi kuti vawane inodiwa capital capital. Pasina, zvisinei, kuverenga pamari ine mwero munguva pfupi.

✔️ Chengetedzo mari nemari yakatarwa

Kazhinji, mari yakagadziriswa mari inoisa mumasheya akasarudzika uye mabhondi.

Nemari idzi, une mari yakawandisa yenguva pfupi pane mari yemusika wemari, asi inokupa mari shoma yekuchengetedza. Enzanisa nemitengo ye equity funds, mutengo wavo unowanzo kugadzikana.

Kudzosa uye kuchengetedzwa kwemari kunosiyana zvakanyanya kubva kune imwe yekuchengetedza homwe saka mari inotarirwa kune imwe.

Nezve mari yegoho repamusoro, iyo inovavarira kukwidziridza kudzoka kuburikidza neakareba, yakaderera mhando mabhondi, uye ayo anovimbisa kuchengetedzwa kushoma kwemari pane yakatarwa mari inowanikwa inoiswa muzvibatiso ine goho rakaderera, asi kuva nemhando iri nani.

Isu tinofanirwa kuziva kuti pakati pemari yekuwana mari, vamwe vanotsvaga kudzikisira njodzi kuburikidza nekudyara kwakasarudzika muzvibatiso zvakavimbiswa zvizere neCanada maererano nekudzoka kwemari uye kubhadhara mari.

Idzi mari dzakakodzera kune vanoisa mari vanoda kuwedzera mari yavo yenguva pfupi vachigamuchira yakaderera zvakanyanya yengozi.

Chinangwa chechipiri chemari yayo kukura kwemari, sezvo mari idzi dzinozivikanwa kazhinji nevari pamudyandigere kana vamwe vanoisa mari vari kutsvaga kwainobva mari yenguva dzose ine njodzi yakaderera.

✔️ Canadian equity mari

Iyi mari yekuenzanisa inoiswa mumasheya ane makambani mazhinji eCanada. Mumwe nemumwe investor anowana unit yeCanadian equity funds anova akananga muridzi wechengetedzo yega yega muhomwe yehomwe.

Kudyara mumakambani, dzimwe mari dzeCanadian equity dzinoshandisa mari yavo yemusika, ine chekuita nehuwandu hwemusika wezvikamu zvese zvakasara.

Kazhinji, Canadian equity inopa mari saka iyo capitalization yakaderera inoiswa mumakambani saka saizi idiki kwazvo kana yakanyanya hunyanzvi, nepo equity mari ine capitalization yakakura inoiswa mumakambani makuru.

Zvinangwa zvechimwe nechimwe zvinosiyana kubva kune imwe yeCanada equity fund kuenda kune imwe.

• Iyo dynamic growth fund. Pano, mari inoiswa mumakambani anoratidzirwa nekusarudzika kwekukura. Tine, semuenzaniso, makambani madiki ari mune yavo yekutanga kupa pachena.
• Kukura mari. Mari idzi zvakare dzakaiswa mumakambani anozivikanwa nekukura kwawo kwakasimba pamwe nekugona kwavo kuwana mari nekutenda.
• Mari uye kukura mari. Idzi imari dzinoiswa mumakambani akasiyana siyana anopa mwero wekukura maonero ane mugove wakanyanya. Isu tine, semuenzaniso, mabasa eruzhinji.

Kana paine kusimuka nekudonha mukati musika wemasheya, izvi zvinoendesa kune equity funds.

Kunyangwe hazvo masheya agara achipfuura mamwe masecurity, isu hatina vimbiso yekuti maitiro aya achaenderera mberi munguva pfupi. Chikonzero nei, nhasi, masheya eCanada akanyorwa sechikamu che nzira yekudyara kwenguva refu.

✔️ Equity mari pasi rese

Kana diversification iri chikamu che zvinangwa zve mutual fund, haisiriyo nzira iri nyore yekuti iite mari mumidziyo yakapararira pasirese? Nekuti zvine musoro zvinotora pamberi pezviitwa zvepasi rose mari. Iyi mari inongoiswa mumasheya ekunze, asi inogona kubata mamwe masecurity eCanada.

Tichifunga chokwadi ichocho mari idzi dziri volatile, uye vane ngozi zvakanakira zvichienzaniswa nemari yeCanada, zvese pano zvinoenderana nekushanduka kwemitengo yekuchinjana, mamiriro epasi rose uye zvimwe zvehupfumi nezvematongerwo enyika.

Iwe unogona kudyara mumari yepasirese equity muhombe, yepakati kana diki caps, uye kunyangwe mumaindasitiri chaiwo. Tine zvakasiyana siyana zvinofanira kusiyaniswa. Mukuita, homwe yepasi rose inofanirwa kuiswa mumubatanidzwa weCanada uye kuchengetedzwa kwekunze.

Homwe inozvidaidza kuti yepasirese inofanirwa kunge iine zvibatiso zvekunze. A regional homwe inotariswa pane chaiyo chikamu chemusika. Mari dzinoti dziri kusimukira dzinoisa pamberi penyika dziri kusimukira pamwe chete nemasecurity akanyorwa pamisika yemasheya munyika idzi.

🌿 Maitiro ekudyara muMutual Fund?

Kana iwe ukadyara mune mutual fund, iwe unobatanidza mari yako neyevamwe vatengesi, vanonzi unitholders, kuti uwane zvakasiyana-siyana zvekuchengetedza zvakadai sematokari, mabhondi kana mari yemusika zviridzwa.

Mukudzoka, iwe unowana akati wandei emasheya anoenderana nekudyara kwako. Unogona kuvhura account ne FlexiFunds online kana nefoni.

Iyi mhinduro yekuchengetedza inopa inokwanisika sevhisi kune vanoisa mari, mukuwedzera pakuvapa mukana kune zvigadzirwa zvekudyara zvine yakasimba Quebec concentration, inotsigira hupfumi hwenzvimbo, uye iyo miripo yekutonga iri pakati peiyo yakaderera pamusika. famba. Usati waisa mari yako, danho rekutanga ndere kukuziva zviri nani kana zvasvika pakuisa mari nekutsanangura yako investor profile.

Izvi zvinobatsira kumisikidza kushivirira kwako njodzi, iyo inozoratidzwa mukuumbwa kweiyo mutual fund yaunodyara mariri. Kuti uzvinzwisise zviri nani semuridzi wemari, iwe unozofanirwa kuona yako yekudyara horizon uye chinangwa.

Iwe hausi kuzoisa mari nenzira imwechete kana iwe ukachengetedza kutenga imba mukati memakore matatu sekunge iwe unozviitira zvekuenda pamudyandigere, unoverenga. kutora mumakore makumi maviri.

Mamiriro ako emari anoremawo pachiyero. Iwe une cushion zvemari kana paine dambudziko rakaoma? Mari yaunowana yakagadzikana here?

Chekupedzisira, kushivirira kwako kwenjodzi kunotemerwa nekugona kwako kugamuchira misiyano mukudzoka, uye pamwe nekudzikira kwekukosha kwekudyara kwako.

🌿 Kuvhara

Chinyorwa chedu chaive nezve mutual fund uye isu tinogona kutaura kuti zvinodikanwa kuti investor wese atange mune ino chadenga achipihwa kusiyana kwayo uye zvimwe zvakawanda zvakanaka.

Isu takaratidza kwauri akasiyana mutual funds aripo, zvave kwauri kuita sarudzo yako yekudyara kuve pakati pevatungamiriri uye ubatsirwe nerusununguko rwainokupa.

🌿 Mibvunzo Inowanzo bvunzwa

✔️ Ndeipi mwero wengozi?

Paunenge uine mutual fund, unogona kurasikirwa uye kuziva kuwana. Chiyero chenjodzi chinosiyana zvichienderana nekushivirira kwako njodzi.

Kana basa rehomwe richichinja zvakanyanya gore negore, rinoonekwa sehomwe ine njodzi, sezvo kuita kwayo kunogona kudonha nekusimuka nekukurumidza.

✔️ Chinangwa chehomwe yacho ndechei?

Iwe unofanirwa kuyeuka kuti zvinangwa zvako zvakafanana neizvo zvehomwe. Nekuti inogadzira mari yenguva dzose, iyo inokupa iwe sarudzo pamusoro penguva yekudyara, uye yekubatanidza mukudyara kwako kwakasiyana.

Takapedza. Pamusoro pazvose, ndapota govana neshamwari dzako uye vaunoziva kuti vagone kubatsirwa nazvo.