Eʻike inā loaʻa kahi kālā maikaʻiʻo Blend Fund for You
Pehea e hoʻomaopopo ai i nāʻano o ka hui kālā
Hoʻokaʻawaleʻia nā kālā kālā ma keʻano o kā lākouʻano waiwai hoʻolālā, keʻano o ka uluʻana a iʻole ka waiwai, akā, hoʻolakoʻia hoʻi lākou e ka nui o kaʻoihana kūʻai , i kapaʻiaʻo "pōleʻa makai,"ʻo ia ka nui o kahiʻoihana a hui pū paha e like me nā wā kūʻai o ka helu o nā kuleana kūpono.
ʻO ke kālā o ka Mutual keʻano maʻalahiʻia e like me ke poʻo nui, ka hapalua o ka pōpale, a me ka pāpale liʻiliʻi.
ʻO ka mea e hiki mai ana ma ka hōʻiliʻili, ka waiwai, a me ka mea hōʻano pūnaewele. Eia kekahi lālā, kahi kālā nui i hui pūʻia me kahi mea nui e hoʻopiliʻia i ka uluʻana o ka ulu ulu a me nā kumukūʻai waiwai i nui i loko o ka waihona kālā nui (a iʻole nā "poʻomanaʻo nui").
ʻO ka manawa pinepineʻo ka pūʻulu kuhikuhi nui loa, e like me Vanguard 500 Index (VFINX) aʻo Fidelity Spartan 500 Index (FUSEX), i hoʻokaʻawaleʻia no ka mea, ma keʻano maoli lākou i hui pūʻia me nā lāʻau ulu a me nā kumukūʻai waiwai.
Ka Hoʻokaʻawaleʻana ma waena o nā Blend Funds, Nā Mākua Aʻo, a me nā kālā Balanced
ʻOiaiʻo ke kālā hui pūʻia e hui pū i nāʻano likeʻole o nāʻano kālā,ʻaʻole like lākou me nā kālā palekana a me nā kālā kālā .
ʻO nā kālā kaulike a me nā kālā kālā likeʻole i loko o ka waiwai o ka hoʻokaʻawaleʻana i nā waiwai,ʻo ia hoʻi, ka hoʻonohonoho ponoʻana o ka hoʻoili'āinaʻana a lawelawe i kahi mea i hōʻikeʻia aiʻole kāwai hana. Eia kekahi laʻana, hiki i kahi kālā palekana ke mālamaʻia i loko o kahi hui kūʻokoʻa o nā waiwai waiwai waiwai, e like me 40% mau kumukūʻai, 50% mau koina a me ka māhele kālā kālā he 10%.
Eia naʻe,ʻo ka hui pūʻana o ka hui kālā e hoʻokomo wale i loko o kahi papa waiwai hoʻokahi wale nō,ʻo ia hoʻi nā kumukūʻai (i kapaʻiaʻo "equities"). Eia hou,ʻo nā kumukūʻai i hui pūʻia me ka hui pūʻia, e komo pū ka ulu a me ka waiwai waiwai.
ʻOiai e loaʻa i nā kālā kaulike ka uluʻana a me nā waiwai waiwai, e paʻa nō hoʻi lākou i kekahi mau hōʻailona a me nā kālā.
Ponoʻoe e hoʻohui i nā hui kālā o Blend Funds?
ʻAʻole paha ka maikaʻi o ka hui kālāʻana no nā mea a pau akā he mea maʻa mau no nā mea hoʻolimalima lōʻihi no ko lākouʻano pilikino.
ʻO nā mea kālā e hoʻonele i ka hōʻiliʻiliʻana i nā kālā iʻikeʻia he mau mea mālamaʻole (makemake lākou i ka piliʻoihana pili pili haʻahaʻa) a iʻole nā mea e hoʻolimalima no nā pō pōkole, e like me ka emiʻole oʻekolu mau makahiki. ʻO ke kumu i kēia manawa,ʻo ka huiʻana o ka kālā he 100% mau mea kūʻai. A ma ke kohoʻokoʻaʻokoʻa hōʻano,ʻaʻohe maikaʻi maikaʻi o nā kālā i loaʻa i nā mea waiwai me ka haʻahaʻa haʻahaʻa no kahi kūpono manawa pōkole a wā pōkole paha.
Eia naʻe,ʻo ke kālā hui pūʻia, ma kahi pūnaewele hōʻailona, hiki ke lilo i mau koho koho maikaʻi no nā poʻe hoʻomaka me nā hoʻolālā lōʻihi a me ka hoʻomanawanui nui no ka pilikia. ʻO nā kālā hui pū kekahi he mea maikaʻi loa ia e hoʻohanaʻia ma keʻano he kumu paʻa e kūkulu ai i nā kōpana kālā likeʻole o nā kālā kālā, a hiki ke komo i nāʻano kālā'ē aʻe.
Ka Hoʻohaha:ʻO kaʻike ma kēia pūnaewele ua hāʻawiʻia no nā papa kūkā wale nō, aʻaʻole pono e kuhihewaʻia e like me ka'ōleloʻauhau a me nā'ōlelo hoʻokele. ʻAʻohe kumu e hōʻikeʻia kēiaʻikepili i manaʻo e kūʻai a kūʻai aku i nā palekana.