E ho'ēmi i nā'Ai'ē a me Maximize Returns
He nui nā mea waiwai kālā i loaʻa iʻelua mauʻano moʻomeheu mālama kālā: 1) He pūʻulu hoʻopaʻa kālā maʻamau i hiki i kekahi a iʻole ka hui like pū hoʻi; 2) Pūkoke i kāleleʻia, e like me IRA aiʻole 401 (k).
ʻAʻole i nui ka manaʻo o nā mea waiwai o kēia mau mea hoʻolale kālā e pili ana i nāʻano kikowaiwai maikaʻi e waiho i loko o kēia mau moʻolelo.
ʻO ka hoʻomaopopoʻana i kaʻauhauʻana i nā kālā kālā kōkua kōkua e hoʻoholo i kahi
E hoʻomanaʻo i nāʻauhau i mālamaʻia i loko o ka waihona kālā hoʻokaʻa kālā e auhauʻia ma nā kālā waiwai kālā a me nā kālā loaʻa kālā (dividends) . Eia kekahi laʻana, ināʻoe e kūʻai i kahi'āpana kālā ma ke kumukūʻai ( NAV ) ma mua o ke kumukūʻai āu i kūʻai ai, e loaʻa iāʻoe kahi waiwai waiwai e loaʻa ai kāu uku. Eia kekahi,ʻo kēlā me kēia kālā loaʻa kālā (nā makana) i loaʻa ma ka hoʻokomo kālāʻana i ka heluʻai'āpana kālā e auhauʻia ma ke kālā loaʻa, e like me ka wā e loaʻa ai ka uku mai ka mea hana.
ʻO kaʻauhau he nui loa ia i nā pūʻulu iʻauhauʻia ma kaʻauhau ma mua o nā hōʻike hoʻoili. ʻO ka kūʻaiʻana i nā kālā kālā i loko o kahi pūʻulu iʻauhauʻia, pēlā i ka IRA aiʻole 401 (k),ʻaʻole e hoʻonui i kaʻauhau kālā. ʻO kaʻoiaʻiʻo, kūʻaiʻole ke kālā kālā i nāʻauhau a pau (ʻoiai e pili ana nā uku kālā'ē aʻe).
Eia nō hoʻi,ʻaʻole e kauʻia nā kālā mai ka dividend ma IRA a 401 (k) a hiki i ka hoʻohuliʻana i kahi manawa hope, e like me ka hoʻomaha.
Nāʻano o nā kālā a me nāʻano o nā Helu
ʻO ka mea e manaʻo ai, ua hoʻohuiʻia kāu mau mea hoʻokomo kālā a me kaʻauhau hōʻailona e hoʻohui i kahi alalahi:ʻO nā kumukūʻai e hoʻonui iki i kaʻauhau, e mālamaʻia i loko o nā hōʻike hoʻopuka kālā a me nā kālā'ai'ē e hiki ai ke hana i nāʻauhau i loko o nā kaʻinaʻauhauʻauhau.
No ka laʻana, i loko o kahi waihona kālā, hiki iāʻoe ke noʻonoʻo e hoʻohana i ke kālā waiwaiʻauhau, e like me nā kālā pilikino aupuni a iʻole kālā e hoʻonui ana i nā kālā liʻiliʻi aʻoleʻole, e like me kekahi Exchange Exchange Traded Funds (ETF) .
Eia hoʻi, e hoʻomanaʻo i ka waihona kālā kālepa i kā lākou mau manaʻo i nā poʻomanaʻo a iʻole hiki iāʻoe ke loaʻa ia ma ka hoʻohanaʻana i Morningstar a iʻole pololei mai kahi pūnaewele pūnaewele pūnaewele. Ināʻo ka pahuhopu kālāʻo ia ka "Income" aiʻole "ʻOka" nā kuleana o ka waihona kālā likeʻole,ʻo ia nā kumukūʻai nāna e hoʻonui i ka uku (nā makana) a loaʻaʻoe i kahi pā kālā inā e mālamaʻia ke kālā ma kāu pūkekekeke. I ka hoʻololiʻana,ʻo kahi kālā kāpili ulu e paʻa mau i nā lāʻau me nā pahuhopu holomua,ʻo ia hoʻi ka hoʻohanaʻana o nā hui i kā lākou waiwai i reinvest ma kaʻoihana ma mua o ka ukuʻana i nā māhele i nā mea kālā.
E mālama i kekahi o nā Top 3 Pitfalls o Mutual Funds
I kēia manawa, ponoʻoe e noʻonoʻo i nā laina o ka mālamaʻana i kāu mau kālā loaʻa kālā a me ka hapanui o ka loaʻa kālā ma ka mālamaʻana i nāʻauhau. No ka mālamaʻana i nāʻauhau ma luna o nā kālā likeʻole, e noʻonoʻo e pili ana i kahi o ka waiwai - kahi (ka helu pūnaewele) kahi āu e paʻa ai i kāu kālā likeʻole e hiki ke hoʻololi nui i nāʻauhau, aʻo ia kekahi o nā pahu nui loa i ka hana no nā mea waiwai.
Eia hou, mālama i nā kālā e loaʻa kālā (ka nui o nā kālā pilikino, ka nui o nā kālā kālā me ka hopena waiwai) i loko o kahi pūʻuluʻauhau, e like me IRA a me 401 (k) s. E mālama i nā kālāʻauhauʻauhau (e nānā i kaʻauhauʻauhauʻauhau ) i loko o kahi pūʻuluʻauhau, e like me nā moʻolelo pilikino a me nā hui pūnaewele. Eia kekahi, e makaʻala no nā loaʻa kālā ma nāʻike hoʻopuka kālā. Inā makemakeʻoe e kūʻai pinepine aku i ka kūʻai (kūʻai, kūʻai, hoʻololi pinepine i kēlā me kēia makahiki) e ho'āʻo e hana i kēia mea ma kāu IRA aiʻole 401 (k) kahi i loaʻaʻole nā kālā kālā kālā e hanaʻia.
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.