Yintoni iingxowa-mali ezihlangeneyo

Les ingxowa-mali ehlangeneyo sisithuthi sotyalo-mali esidibanisa iimali zabatyali-mali abaliqela ukuba batyale imali kwii-securities ezahlukeneyo ezifana nezitokhwe, iibhondi okanye izibambiso zeemarike zemali.

Iimali ezihlangeneyo zisekwe kumgaqo omnye: qhagamshela imali eyeyabatyali-mali abaliqela abaneembono zotyalo-mali kuluhlu olubanzi nolwahlukeneyo lwezibambiso.

Ezi ziqinisekiso zinokuba zizabelo, izixhobo zentengiso yemali, okanye iibhondi. Umnini yunithi ngamnye unikwa isabelo ngokwenani leeyunithi anazo kutyalo-mali, oluphuma ikakhulu kwimithombo emibini:

• Ingeniso: inzala ehlawulwe kwizikhuselo zeengxowa-mali okanye izabelo ezifunyenweyo.
• Iinzuzo okanye ilahleko eyinkunzi oluvela ngokubanzi ekuthengisweni kwezibambiso ezibanjiweyo.

Ingxowa-mali nganye ngoko iphathiswe umphathi wengxowa-mali othi yena athenge kwaye athengise utyalo-mali olwahlukeneyo. Ikwenza oko ngokuhambelana nenjongo yengxowa-mali enokuthi: ukukhula kwexesha elide, ukugcinwa kwenkunzi, ingeniso yexesha elifutshane okanye indibaniselwano enkulu yezi zintathu.

Ngokuxhomekeke kwinjongo yayo, ingxowa-mali inokutyalwa kwiibhondi, kwizabelo zamashishini ezingenanzala emisiweyo, kwizixhobo zentengiso yemali okanye indibaniselwano yezibambiso ezi-3. Masihambe!!

🌿 Zeziphi izinto eziluncedo kwiiNgxowa-mali eziBambisana?

Kwiminyaka engamashumi amabini edlulileyo, iingxowa-mali ezihlangeneyo ziye zanda ekuthandeni ngenxa yezi nzuzo zilandelayo.

✔ ulawulo lobungcali

Imali oyifaka kwi-mutual fund yi ilawulwa ziingcali abathi, yonke imihla, benze izigqibo zotyalo-mali ezisekelwe kuphando olunzulu, ulwazi lwemarike, isoftware entsonkothileyo kunye namava abo.

✔ Ukwahluka

I-single mutual fund iyodwa inokuqulatha inani eliphezulu kakhulu lee-securities xa kuthelekiswa nenani abatyali-mali abaninzi abazisebenzelayo banokulifumana.

Oku kubanika ithuba lokusasaza imingcipheko kunye nokunciphisa imiphumo yokuguquguquka kweemarike.

✔ Iintlobo ngeentlobo zokhetho ezikhoyo

Ukunikezelwa kweendidi zeengxowa-mali ezihlangeneyo, abatyali-mali banenkululeko yokufumana ezo zihlangabezana neenjongo zabo zotyalo-mali.

✔ Ukufumaneka rhoqo kwezibonelelo

Iiyunithi ozibambe kwiingxowa-mali ezihlangeneyo zinokuthengwa kwaye zithengiswe nanini na ukuze umtyali-mali ngamnye akwazi ukufikelela kwiimali zabo ngokulula.

✔ Ukuba bhetyebhetye

Njengoko iinjongo zotyalo-mali zabatyali-mali zitshintsha, banokuguquguquka kokuhambisa imali yabo phakathi kweemali ngaphandle komthungo.

🌿 Iintlobo zeengxowa-mali ezifanayo

Namhlanje, sineengxowa-mali ezininzi, ezona zibalulekileyo zezi:

✔️ Ingxowa-mali yokwabiwa kwee-asethi

Eyona njongo iphambili yolwabiwo-mali kukubonelela abatyali-mali abahlukeneyo ngesithuthi esinye esidibanisa ingeniso kunye neenjongo zokukhula.

Ukuza kuthi ga ngoku, iimali zokwabiwa kwee-asethi azikwenzi oko azibekwa kudidi olunye lwe-asethi, kodwa kwiibhondi ezininzi, ezinkozo kunye nezitokhwe, nto leyo ezenza zibe lutyalo-mali olwahlukeneyo.

Ngokwahluka kwee-asethi, iimali zolwabiwo zilahlekelwa yilahleko encinci kwi-stock market ehlayo ngenxa yokuba banokuvezwa okuncinci kwicandelo elinye loshishino.

Ezi nkxaso-mali zibonelela ngogcino lwemali oluphakathi kunye zibonelela ngengeniso ephezulu kakhulu ephakathi ngexesha elifutshane. Bafanele abatyali-mali abazimisele ukwamkela imingcipheko ethile ukuze bafumane ukukhula okufunekayo. Ngaphandle, nangona kunjalo, ukubala kwingeniso ephakathi kwixesha elifutshane.

✔️ Iimali zokhuseleko ezinomvuzo osisigxina

Ngokuqhelekileyo, imali yengeniso esisigxina ityalomali kwizitokhwe ezikhethiweyo kunye neebhondi.

Ngale mali, unomvuzo ophezulu kakhulu wexesha elifutshane kuneemali zemarike yemali, kodwa ikunika ugcino lwemali oluncinci. Thelekisa amaxabiso eequity funds, ixabiso lazo ngokuqhelekileyo lizinzile kakhulu.

Imbuyekezo kunye nokugcinwa kwenkunzi kuyahluka kakhulu kwingxowa-mali yokhuseleko ukuze ingeniso ixhomekeke kwenye.

Ngokumalunga neengxowa-mali zesivuno esikhulu, ezijolise ekwandiseni imbuyekezo ngokusebenzisa ixesha elide, iibhondi ezikumgangatho ophantsi, neziqinisekisa ukugcinwa okuncinci kwenkunzi kunemali enengeniso emiselweyo nezityalwe kwizibambiso ezinesivuno esisezantsi kakhulu, kodwa ukuba nomgangatho ongcono.

Kuya kufuneka siqonde ukuba phakathi kweemali zengeniso ezimiselweyo, abanye bafuna ukunciphisa umngcipheko ngotyalo-mali olukhethekileyo kwizibambiso eziqinisekiswa ngokupheleleyo yiCanada malunga nokubuyiswa kwemali eyinkunzi kunye nokuhlawulwa kwemali eyinkunzi.

Ezi mali zifanelekile kubatyali-mali abangathanda ukwandisa umvuzo wabo wexesha elifutshane ngelixa besamkela inqanaba eliphantsi kakhulu lomngcipheko.

Injongo yesibini yeengxowa-mali zayo kukukhula kwenkunzi, njengoko ezi ngxowa-mali zithandwa ngokubanzi ngabantu abadla umhlala-phantsi okanye abanye abatyali-mali abafuna umthombo wengeniso eqhelekileyo enomngcipheko ophantsi.

✔️ Iimali zezabelo zaseKhanada

Ezi mali zolingano zityalwe kwii-stocks ezinoluhlu olubanzi lweenkampani zaseKhanada. Umtyali-mali ngamnye ofumana iyunithi yengxowa-mali ye-equity yaseKhanada uba ngumnini-ndawonye ngokuthe ngqo wokhuseleko ngalunye kwipotfoliyo yengxowa-mali.

Ukutyala imali kwiinkampani, ezinye iimali ze-equity zaseCanada zisebenzisa i-capitalization yemarike, ehambelana nexabiso lemarike lazo zonke izabelo eziseleyo.

Ngokubanzi, i-equity yaseCanada yenza imali ngoko ke i-capitalisation iphantsi ibekwe kwiinkampani ngoko ke ubukhulu buncinci kakhulu okanye bukhethekileyo, ngelixa iimali ze-equity ezinemali enkulu zibekwe kwiinkampani ezinkulu.

Iinjongo zento nganye ziyahluka ukusuka kwingxowa-mali ye-equity yaseCanada ukuya kwenye.

• Ingxowa mali yokukhula. Apha, imali ibekwe kwiinkampani eziphawulwa ngokukhula okukhethekileyo. Sine, umzekelo, iinkampani ezincinci ezikunikezelo lwazo lokuqala lukawonkewonke.
• Iimali zokukhula. Ezi nkxaso-mali zityalwe kwiinkampani ezaziwa ngokukhula okuqinileyo kunye namandla azo okufumana inkunzi kunye noxabiso.
• Imali yengeniso kunye nokukhula. Ezi ziimali ezibekwe kwiinkampani ezahlukeneyo ezinika imbono yokukhula ethobekileyo enezinga eliphezulu kakhulu lezabelo. Sine, umzekelo, iinkonzo zoluntu.

Xa kukho ukunyuka nokuwa ngaphakathi kwimarike yamasheya, oku kugqithisela kwiimali ze-equity.

Ngaphandle kwento yokuba izitokhwe ngokwesiko zigqithise ezinye izibambiso, asinaso isiqinisekiso sokuba lo mkhwa uya kuqhubeka kwixesha elifutshane. Isizathu sokuba, namhlanje, izitokhwe zaseCanada zidweliswe njengenxalenye ye isicwangciso sotyalo-mali ixesha elide.

✔️ Imali yeEquity kwihlabathi liphela

Ukuba iyantlukwano yinxalenye ye iinjongo zeengxowa-mali macala, asiyiyo eyona ndlela ilula yokutyala imali kwii-asethi ezisasazeke kwihlabathi liphela? Kuba yingqiqo ethatha indawo yokuqala ngaphezu kweemali zentshukumo yehlabathi. Ezi mali zityalwe kuphela kwizitokhwe zangaphandle, kodwa zinokubamba izibambiso ezithile zaseKhanada.

Ukuqwalasela ukuba ezi mali ziguquguquka, kwaye zineenzuzo zomngcipheko xa kuthelekiswa neemali zaseCanada, yonke into apha ixhomekeke ekuguquguqukeni kwamaxabiso otshintshiselwano, iimeko zehlabathi kunye nezinye izinto zoqoqosho nezopolitiko.

Ungatyala imali kwi-equity funds kwiimali ezinkulu, eziphakathi okanye ezincinci, nakwimizi-mveliso ethe ngqo. Sineentlobo ezahlukeneyo ekufuneka zahlulwe. Enyanisweni, ingxowa-mali yehlabathi kufuneka ifakwe kwindibaniselwano ye-securities yaseCanada kunye nezangaphandle.

Ingxowa-mali ezibiza ngokuba yeyamazwe ngamazwe kufuneka iqulathe kuphela izibambiso zangaphandle. Ingxowa-mali yommandla igxile kwinxalenye ethile yemarike. Iimali ezithi zisahluma zibeka phambili amazwe asakhulayo kunye nezibambiso ezidweliswe kurhwebo lwezabelo kula mazwe.

🌿 Ungatyala njani kwiNgxowa-mali yoMdibaniso?

Xa utyala imali kwingxowa-mali ehlangeneyo, udibanisa imali yakho kunye neyabanye abatyali-mali, ababizwa ngokuba yi-unitholders, ukufumana iintlobo ezahlukeneyo zokhuseleko ezifana nezitokhwe, iibhondi okanye izixhobo zemarike yemali.

Ngembuyekezo, ufumana inani lezabelo ngokulinganayo notyalo-mali lwakho. Ungayivula iakhawunti nge FlexiFunds kwi-intanethi okanye ngefowuni.

Esi sisombululo sogcino sinikezela ngenkonzo efikelelekayo kubatyali-mali, ngaphezu kokubanika ukufikelela kwiimveliso zotyalo-mali ezinogxininiso olomeleleyo lwaseQuebec, oluxhasa uqoqosho lwasekhaya, kwaye iimali zabo zolawulo ziphakathi kwezona ziphantsi kwimarike. Ngaphambi kokuba utyale imali yakho, inyathelo lokuqala kukuba ukwazi ngcono xa kuziwa kutyalo-mali ngokuchaza iprofayile yakho yomtyali-mali.

Oku kunceda ukuseka ukunyamezela kwakho umngcipheko, okuya kubonakala ekubunjweni kweengxowa-mali ezihlangeneyo otyala kuzo. Ukuze uziqonde ngcono njengomtyali-mali, kuya kufuneka uqikelele i-horizon yakho yotyalo-mali kunye nenjongo.

Awuyi kutyala imali ngendlela efanayo ukuba wongela ukuthenga indlu kwisithuba seminyaka emithathu ngokungathi wenze njalo xa uthatha umhlalaphantsi, ubala. kuthatha iminyaka engama-20.

Imeko yakho yezemali nayo inobunzima kwibhalansi. Ngaba unawo umqamelo wemali xa unengxaki? Ngaba umvuzo wakho uzinzile?

Okokugqibela, ukunyamezela kwakho umngcipheko kuya kumiselwa kukukwazi kwakho ukwamkela ukwahluka ngembuyekezo, kwaye mhlawumbi nokuhla kwexabiso lotyalo-mali lwakho.

🌿 Ukuvala

Inqaku lethu belimalunga neengxowa-mali ezihlangeneyo kwaye sinokuthi kuyafuneka ukuba umtyali-mali ngamnye aqalise kule ndalo inikwe iyantlukwano kunye nezinye izibonelelo ezininzi.

Sibonise kuwe iingxowa-mali ezahlukeneyo ezikhoyo, kuxhomekeke kuwe ngoku ukuba wenze ukhetho lwakho lotyalo-mali ukuze ube phakathi kweenkokeli kwaye uxhamle kwinkululeko ekunika yona.

🌿 Imibuzo Ebuzwa Rhoqo

✔ Yiyiphi inqanaba lomngcipheko?

Xa unengxowa-mali yokubambisana, unako lahlekelwa kwaye uqaphele iinzuzo. Inqanaba lomngcipheko liyahluka ngokuxhomekeke kukunyamezela kwakho umngcipheko.

Ukuba umsebenzi wengxowa-mali utshintsha kakhulu unyaka nonyaka, ithathwa njengengxowa-mali enobungozi, njengoko ukusebenza kwayo kunokwehla kwaye kunyuke ngokukhawuleza.

✔ Yintoni injongo yale ngxowa-mali?

Kufuneka ukhumbule ukuba iinjongo zakho ziyafana nezo zengxowa-mali. Kuba yenza ingeniso eqhelekileyo, ekunika ithuba lokuzikhethela ngexesha lotyalo-mali, kunye nokudibanisa kutyalo-mali lwakho olwahlukeneyo.

Sigqibile. Ngaphezu kwako konke, nceda wabelane nabahlobo bakho kunye nabantu obaziyo ukuze nabo bazuze kuyo.