Market Imali mali efanayo eRashiya

Enye imali ikhuselekileyo efanayo zijongwa izixhobo ze kwiimalike zemali (abalamleli zemali), kodwa oko kuxhomekeke kwixesha investment. Abo atyale imali kubo, insured ekulahlekelweni inxalenye eyintloko sedipozithi, kodwa kwelinye icala, abagcinisa ingeniso mancinane kakhulu, ukuba ngexesha lentengo lwabo edla. Ngoko ke kuya kufuneka ukuba abo bafuna ukwenza imali kule nkqubo zexesha elifutshane. Kuyinto yabameli-mali kwaye kuya kuxoxwa ngazo.

Ingcaciso-mali ezifanayo

imali Mutual - imali iimela, leyo akhiwa ngokuhlanganisa ubuncwane inani elikhulu abagcinisa. Amaxesha amaninzi, iminikelo sokuqala ezinye esisusela ubukhulu 300-500 $, kwaye emva kokuba kuvulwe i-akhawunti kwizincamathiseli zilandelayo kuba ngokohlobo nasiphi na isixa.

Ngaphandle kokuba icebo lotyalo-mali kunye neenjongo nje ingxowa-mali okanye iimali qela abaseki enze izindlu labarhwebi, iinkampani utyalo-mali. Kuba lula wabaseki yabo imali ngokulula zidluliselwe ukusuka kwiinkampani izibambiso kwiphepha elinye ngaphandle naziphi na iimvumelwano.

imali Mutual zibanga imali zesinyithi nzima, kwizixhobo zemali ezisezimalikeni, ezithengiswayo. Basimisela block iibhondi, zamashishini ezingenanzala emisiweyo, imali, ezilawulwa yinkampani utyalo-mali egameni weqela kunye nesethi nabanikeli. I-asethi zidibene obulawulwa mali mutual, ekuthiwa iphothifoliyo yayo. isabelo ngalinye Iphothifoliyo - oko ngokomlinganiselo mali ipropati kwii-asethi zeNgxowa-mali, ngokunjalo njengenxalenye ingeniso leyo wenziwa ezo asethi.

isimiso ukusebenza

Yonke imali mutual zisebenza phantse kumgaqo. Bakha inkampani utyalo-mali, nto leyo uthengisa izabelo zabo kubatyali uze lityale imali kwi izibambiso portfolio. Ukudibanisa iimali abagcinisa kwiphothifoliyo, intloko inkampani indidi kutyalo-mali, ukuthenga ezitokisini imixokelelwane kule ngxowa-mali.

Iintlobo izixhobo selectable zichaza iinjongo zotyalo-mali. Umzekelo, ukuba injongo kwinkampani yotyalo-mali kwizabelo - ukubhengeza inzuzo, ngelixa isabelo yengonyama-mali ingabhekiswa isitokhwe ukukhula. Ukuba injongo fund iqhina kukuhlawulwa ingeniso coupon ukuba rhafu, ngoko ke mali zityalwe iibhondi zikamasipala. Kwangaxeshanye, kwinkampani yabatyalimaliny akhiwa ibhondi ukuba akhuphele zenzeka iphothifoliyo ukohlulwa kunye nokunciphisa umngcipheko engagqibekanga neentambo ngamnye.

Nezahlulo zihlawulwa ukuba abagcinisa, leyo akhiwa inzuzo kwizabelo enza isambuku portfolio. Umxhamli lityale $ 1000, bafumana ipesenti yenzuzo iyafana umntu oye imali $ 100 000. Umahluko uya kulala isibakala sokuba kwingeniso negalelo wesibini amaxesha 100 mkhulu ngaphezu koko zokuqala (ngangebala kwizabelo zabo kwingxowa-mali).

Xa kukho utshintsho kwixabiso izibambiso kwiphothifoliyo, iyatshintsha ngokufanelekileyo kwaye ixabiso le-asethi umnatha inkcazelo esuka zemali. On ixabiso ukuhla kuchaphazela umngcipheko obekwayo ezininzi iindidi izibambiso: kwezopolitiko, ezoqoqosho, emarikeni.

iintlobo

imali Mutual abe iintlobo ezininzi, oko kukuthi, abagcinisa ukuba utyalomali kwiibhondi, izabelo, hybrid, urhwebo kunye neenkampani notyalo kurhwebo mali efanayo.

Ukuqwalasela zonke iintlobo iinkcukacha sinokuthi ukuba utyalo-mali lamazwe womabini, ithengise izabelo kunye inzuzo eyenziwe ngokhuselo kwiimalike zemali. Ezi nkampani evela abanye igcinwe ixabiso rhoqo izibambiso yayo. Ngokufuthi, ixabiso kunye ixabiso elithelekelelwayo isabelo yi $ 1. Ukuze ugcine ixabiso kwinqanaba elifanayo ivumela ukuba ilahleko elifutshane evela kwintengiso izibambiso, naziphi na iindleko inkampani utyalo-mali otymayutsya kwingeniso efunyenwe evela kutyalo-mali. Le japan ngoyena lula ukufumana imali ukuba utyalo ibolekwe imali kwizixhobo zemali ezisezimalikeni elifutshane, njengoko ngezixhobo abe ephantsi ixabiso hexa.

Imali market mali efanayo - kukutyala ngokhuselo ukuba babe isithutyana ngaphantsi konyaka omnye. Ezi beenkampani yokukhwela omncinanana phakathi kwezinye iintlobo. rhoqo ukuba abayisebenzisileyo kwiiphothifoliyo zabo Nendawo endisabela kuyo unonophelo imali eninzi, nangona oku, maxa wambi ukunika isivuno esihle kakhulu.

Iinzuzo imali kwiimalike zemali funds mutual

1. Lweentlanga ezahlukeneyo - nokunikezelwa umngcipheko phakathi izixhobo zemali eziliqela.
2. ulawulo lwemali Professional - tracking abaphathi kwinkampani yabatyalimaliny abagcinisa kuyo yonke inkqubo yotyalo-mali.
3. Ukukhetha ububanzi. A olubanzi anokukhetha kutyalo kubekho inani elikhulu leengxowa-mali ezifanayo (izabelo, iibhondi, imali market).
4. Kwamatyala - yomtyali unakho ngalo naliphi na ixesha ukuze bathengise izabelo zabo baze babuyele imali.
5. Savings - umtyali uthenga iipotfoliyo esele zenziwe yabameli zemali, kwaye akukho kweyakhe ukusuka izibambiso bemibutho ngamnye.
6. ukhuselo zimali kunye namalungelo - mali mutual zilawulwa kumgangatho federal zomthetho yi Securities and Exchange Commission.
7. Lula - sezabelo sithengise okanye ukuthenga ngoncedo wabathengi, abacebisi zemali, iibhanki, agents inshorensi.

iingozi imali funds mutual

Enye engundoqo kumi umngcipheko wokulahla eyinkunzi imali ngenxa ekunciphiseni ixabiso le-asethi net (NAV). Ukongeza, kukho ezinye imingcipheko:

• inzala;
• market;
• ezinxulumene ne umgangatho izibambiso.

Ngenxa yokwanda kwesantya senzala kwimakethi kukho ukwehla kuxinzelelo ematyaleni equity markets, nto leyo ekhokelela ukuba yehla kakhulu ngokwexabiso asethi net baviswa mali stock. Ukuhla kwesantya senzala imakethe nomkhwezeli.

Umgangatho izibambiso ixhomekeke okungazinzi zamaxabiso ezabelo. Abagcinisa ngokufuthi navuso amatyala umngcipheko iinkampani zotyalo efanayo. Ixabiso le-asethi zabo yancitshiswa, kodwa amathuba oku lincinane. Indlela Ukusekwa kunciphisa iingozi imilinganiselo kunye nobuqhophololo.

imali Mutual eRussia

Ukuza kuthi ga ngoku akukabikho kodwa wabikela amandla ngokupheleleyo imali Russian efanayo ngenxa yezizathu ezininzi:

1. Bona yanciphisa ekungeneni-mali zabucala ixesha elide.
2. Utyalo-mutual Imali yomhlalaphantsi imali kwi-Russian Federation akuvumelekanga ngumthetho.

Ezi zizathu umda nokungena kwemali zibe iinkampani utyalo-mali efanayo, ukunyuka kwawo kubangelwe recalculation kwexabiso kweephotifoliyo kunye nokuvavanywa ngokutsha iintengiselwano asethi. imali Mutual eRashiya mincinci kwaye musa ukuvumela ukuba siqaphele isikali weshishini. Imilinganiso avareji iinkampani zotyalo Russian zithe kakhulu phesheya.

I OIF "- Money Market Savings Fund" kungumzekelo-mali efanayo Russian nje. Injongo yawo ukufumana imali ngokuthi utyale ngokwandisa ixabiso lemarike nokufumana enkulu ingeniso kunye nenzala efunyenweyo kwi needipozithi zexeshana elilapha kufutshane nazo kwiibhanki ezinkulu zorhwebo Russian ndisezintanjeni elifutshane elide benkampani Russian nge high quality ngetyala.