Nā Kumu Hoʻolaha Hoʻohālike no ke kūkuluʻana i kahi Kōkoleʻo Mutual Funds
Ehia na dala o kekahi puu dala? ʻO ka pane pōkole, "Ua kū." ʻO nā kumu e noʻonoʻo ai i loko o keʻano waiwai hoʻolālā, ka mea hoʻolālā waiwai o ka mea kālā, a me ka palekana o ka mea kālā. Akā,ʻo ka pāʻene 5 pakeneka he mahele akamai o ka manamana lima e ukali ai no kekahi mauʻano kikowai e hiki ke hana no ka hapa nui o nā mea kālā.
Ma mua o ka ho'ākāka houʻana i ka 5 pakeneka o kaʻoihana, e hoʻokaʻawale mua i kekahi mau'ōlelo hoʻolauleʻa e pono anaʻoe eʻike no ka kūkuluʻana i kahi pūnaewele o ka waihona kālā .
Nā wehewehe o nā'ōlelo no ka hanaʻana i kekahi Kōpana Puteʻa o nā Mutual Fund
I ka wā e kūkulu ai i kahi kōkole o ke kālā kālā, e makemakeʻoe e hoʻomanaʻo i nāʻano waiwai a me nāʻano likeʻole. E kōkua ana kēia i ka hoʻoholoʻana i ka nui o kahi waiwai a hoʻokahi'āpana kālā likeʻole e hoʻokaʻawale i kāu waihona.
Eia nā kumu nui eʻike ai:
- 'Apana waiwai :ʻO kahi waiwai he mea i paʻa a iʻole hiki ke kūʻaiʻia. ʻO nā lālā e like me ke kālā kālā (kālā), nā waiwai, nā pale, ke gula, a me ka waiwai maoli. ʻO nā papa waiwai, e pili ana i ka hoʻolimalimaʻana,ʻo ia keʻano o nā kumu waiwaiʻekolu:ʻo ke dālā, nā kāmepa, a me ke kālā.
- Māhele'āina:' Ahawina hoʻoili waiwai e hoʻokaʻawale i ka hoʻokaʻawaleʻana o nā waiwai waiwai i loko o nā'ōnaehana kūmole 3-ʻo nā kumukūʻai, nā kāmepa, a me nā kālā-ma loko o kahi kōkoi kālā. No kahi kumu hoʻohālikelike, hiki ke loaʻa i kahi waihona kālā kālāʻekolu'eneke likeʻole ma kāna waihona kālā kālā:ʻO ka hapalua o kāna kālā ua waihoʻia i loko o kahi waihona kālā a me kekahi hapalua i māheleʻia i loko o nā kālā'ē aʻeʻelua -ʻo kahi pūnaewele paʻa a me kahi makeke kālā. pū kālā. ʻO kēia kōpili e loaʻa i kahi hoʻoili waiwai ka 50% o nā kumukūʻai, 25 mauʻaelike kālā, a he 25 pakeneka kālā.
- Nā mālama mālama kālā:ʻO nā waiwai palekana he mau waiwai kālā i kālepaʻia i nā kālepa kālā. Ua māheleʻia iā lākou iʻelua mau papa liʻiliʻi a iʻole nāʻano: nā palekana kaulike (aka mau) a me nā pale kālā. ʻO ka hapa nui,ʻo nāʻaeʻa he lāʻau. Hiki i nā palapala hōʻai'ē ke hoʻopaʻa i nā palapala hoʻoili, nā palapala hōʻailona o ka waihona (CD), nā mea i makemakeʻia, a me nā mea iʻoi aku ka nui, e like me nā kālā palekana.
- MāheleʻIke Mutualua : Hoʻomoʻaʻia nā kālā o ka hui ma nāʻano e ka papa waiwai (nā ukana, nā pale, a me nāʻele kālā / ke kālā) a hoʻohui houʻia e keʻano, mea waiwai, a iʻole ka papahana. ʻIke i ka hoʻokaʻawaleʻana o nā kālā likeʻole i ke kanaka waiwai kālā e aʻo i keʻano o ka kohoʻana i nā kālā maikaʻi loa no ka hoʻokaʻawaleʻana i ka waiwai a me nā kumu hoʻohālike. Eia kekahi laʻana, aia kekahi kālā kālā, kahi kālā pale kālā, a me nā kālā kālā kālepa likeʻole. ʻO nā kālā a me nā kālā pilikino, e like me nāʻano waihona kālā nui, loaʻa nā hanana o nā kāʻili'āina e ho'ākāka hou ana i kaʻano hoʻokele o ka waihona.
- Kālā kālā :ʻO ka pūʻulu kālā e nānā i kahiʻoihana kūikawā, pili waiwai, aiʻole nā lālā e like me ka mālama ola, ka waiwai, a me kaʻenehana. ʻO kā lākou pahuhopu waiwai,ʻo ia ka hāʻawiʻana i kahi hōʻike i hoʻohālikelikeʻia i nā huiʻoihana kūikawā, i kapaʻia he mau . Māhana kālā ka poʻe kālā e hoʻohana i nā kālā lālā e hoʻonui i kaʻike i kekahi mau lālāʻoihana i manaʻo lākou eʻoi aku ka maikaʻi ma mua o nā mahele'ē aʻe. Ma ka hoʻohālikelikeʻana,ʻo nā kālā kōkua likeʻole -ʻo nā mea i kūʻole i ka hiʻona hoʻokahi-eʻikeʻia i nāʻanoʻoihanaʻoihana. ʻO kahi laʻana, hāʻawi kahi waihona S & P 500 Index i kaʻikeʻana i nā lālā, e like me ke olakino, ka ikaika, kaʻenehana, nā ponohana, a me nāʻoihana kālā.
- Nā paʻa o ka waihona kālā :ʻO kahi paʻa o ka waihona kālā e hōʻike ana i nā palekana (hoʻopaʻapaʻa a mau hoʻopaʻa) i mālamaʻia i loko o ka waihona kālā. Ke hoʻohui nei nā kumu waiwai a pau e lilo i hoʻokahi kōpana waihona. E noʻonoʻo i ka biha piha i nā pōhaku. ʻO ka bale ka waihona kālā, aʻo kēlā me kēia pōhaku he mea paʻa a hoʻopaʻa paʻa paha. ʻO ka huina o nā pōhaku a pau (ʻo nā mea paʻa a me nā kāmepa) e like ka heluna o nā kuleana.
Pehea e hoʻohana ai i ka 5 o ke kaʻina kālā o ke kālā
Ma kahiʻano hoʻohālikelike o ke kaʻina o 5 pakeneka, kūkuluʻia e kahi mea waiwai kālā i kona waihona pono'ī o nā mea mālama waiwai. Hiki i ka mea kālā kālā ke hoʻolilo i ka 5 pakeneka o ka hoʻolālā ma o ka kūkuluʻana i kekahi kōpili 20 mau makika (i ka 5 pakeneka o kēlā me kēia, o ka puʻunaue piha like i 100 pakeneka). Eia naʻe, hoʻohana nui nā mea kālā i nā kālā likeʻole, i manaʻoʻia e laulā hou i kēia manawa, akā,ʻaʻole kēia ka manawa.
ʻO kekahi o nā pōmaikaʻi nui loa o ka waihona kālā hoʻokahiʻo ia keʻano maʻalahi.
Akā, e hiki ke haki i ka 5% o ka rula ināʻaʻoleʻike ka mea kālā i nā kuleana o kāna kālā. Eia kekahi laʻana, hiki i kahi hui kālā kālā keʻalo i ka 5% o ke kaʻina kālā ma o ka hoʻokomoʻana i kekahi o nā kumukūʻai maikaʻi S & P 500 Index no ka mea,ʻo ka nui o nā kuleana i loaʻa he 500 mau paʻipaʻi, ua heluʻia he 1 pakeneka a emiʻole paha o ka waihona kālā. Akā,ʻo kekahi o nā kālā kālā he mau mea koʻikoʻi o nā mea paʻa, nā mea paʻa, a me nā waiwai'ē aʻe, e like me nā mea waiwai (gula, e like paha), iʻole eʻike nā mea kālā a hikiʻole lākou i ka heluhelu i nā palapala hoʻolimalima a hoʻohana paha i kekahi o nā pūnaewele pūnaewele e noiʻi kākoʻo kālā .
Pono hoʻi nā meaʻauhau e hoʻokomo i ka pae 5 pakeneka me nā kālāʻoihana. Eia kekahi laʻana, inā makemakeʻoe e hoʻolauna me nā lālā kūikawā, e like me ka mālama ola, ka waiwai, nā pono, a me ke gula, mālamaʻoe i ka hoʻokaʻawaleʻana i 5% a emiʻole paha no kēlā me kēia.
Ka Pakuhi Uiho Lahui Mutualua Me ka 5 Rula o ka Hoʻokomo
E hoʻomanaʻo i kou hoʻokaʻawaleʻana i kahi'āpana kālā hoʻokahi e hiki keʻoi aku ka nui ma mua o ka 5% ināʻaʻole kaʻona e wāwahi i ka 5% o ke aupuni. Eia kekahi laʻana, he papahana hoʻopuka maikaʻi e hoʻohana aiʻo ia ka pūnaewele nui a me ka satellite ,ʻo ia ke kohoʻana i kahi pūnaewele "nui," e like me ka pūnaewele S & P 500 Index, me ka hapa nui o ka hoʻokaʻawaleʻana, e like me ka 40 pakeneka, a kūkulu a puni me ke kālā "satelite", ua hoʻokaʻawaleʻia kēlā me kēia ma kahi o 5-20 ōkene. He maikaʻi ka waihona Index no ka hoʻohanaʻana i nā mea nui a me nā satellite no ka mea ua loli likeʻole lākou.
Eia ke kumuhana nui a me ke kōpili kikowaena, ka mea e hāʻawi i ka 5 pakeneka o ka mō'ī, e hoʻohana ana i nā'āpana helu a me nā lālā:
65% Hake
25% Vanguard 500 Index (VFINX)
15% iShares MSCI ACWI mai ka US Index (ACWX)
10% iShares Russell 2000 Index (IWM)
5% hoʻohana pūnaewele SPDR (XLU)
5% T. Rowe Price Huakaʻi Ola (PRHSX)
5% iShares Cohen & Steers Real Maoli (ICF)Pale 25%
25% Pākuʻi Hui Pūʻulu Bond Market (VBMFX)10% Cash
No ka kālā, e loaʻa i kahi kālā kālā maikaʻi ma kāu mea kūʻai kālā.
E like me kāu eʻike ai, ua loaʻa i ka waihona kālā (ʻoihana waiwai, mālama ola, a me ka waiwai waiwai) ka 5% o ka hoʻoiliʻana, no ka mea, ke kau nei kēia mau kālā likeʻole i kekahiʻanoʻano waiwai, kahi e hoʻonui ai i ka hopena. ʻO ka loaʻaʻana o nā kālā kūpono iʻoi aku ka nui me ka loaʻaʻana o nā kuhi haʻawina haʻahaʻa. Hiki i nā kālā'ē aʻe ke loaʻa i ka hapa nui o ka hapalua.
E noʻonoʻo paha i ke kaʻina 3-pakeneka.
Ka Hoʻohaha:ʻO kaʻike ma kēia pūnaewele ua hoʻolakoʻia no ke kūkākūkāʻana wale nō aʻaʻole pono e kuhiʻia e like me ka'ōlelo aʻo kālā. ʻAʻohe kumu e hōʻikeʻia kēiaʻikepili i manaʻo e kūʻai a kūʻai aku i nā palekana.