Hiki i nā Pūnaewele Nānā ke hoʻolālā i ka wā pōkole a me ka naʻauao i ka holo lōʻihi
No ke aha e hoʻoliloʻia ai nā kumukūʻai hōʻuluʻulu i nā koho koho maikaʻi loa no nā mea hoʻolimalima lōʻihi? ʻO ka pane pōkole,ʻo ko lākouʻano papa hele a me ka hoʻolimalimaʻana i ke kumukūʻai e hāʻawi i ka hana hana e kōkua iā lākou e paʻi i ka hapanui o nā kālā i mālamaʻia ma ka wā lōʻihi.
Akā, pehea e pili ana i nā kumu pōkole no ka hōʻailona helu? ʻO ka manawa hea ka manawa kūpono e hoʻonui ai i nā kumukūʻai helu? Aia kekahi mau makelia i hoʻolilo i ka hōʻailona helu i mea maikaʻi ma mua o ka pūnaehana ikaika? E hoʻomaka mākou e pane i kēia mau nīnau.
I ka manawa e hoʻokauʻia ai ka Fund Fund Beat Actively-Managed Funds
Ma mua o ka heleʻana me ka hopena me ka hakakā pinepine, pono e hoʻomaopopoʻia heʻaʻohe hanana kūpono, hōʻoiaʻole no ka wānana i keʻano o nā kālā likeʻole eʻoi aku ka maikaʻi ma mua o nā mea'ē aʻe i kēlā manawa kēia manawa e hāʻawi manawa, i nā wā pōkole paha, e like me hoʻokahi makahiki a iʻole ka liʻiliʻi.
Akā, aia nā kūlana e hiki ai ke hoʻolilo i ka hōʻailona hōkele i kahi koho kohoʻoi aku ka maikaʻi ma mua o nā kālā i hana paʻaʻia:
- Nā Māka Bull (Stocks): I ka piʻiʻana o nā kumukūʻai o nā'āpana likeʻole a me nā hui pūʻulu , loaʻa nā mana o ka waihona kālā ma muli o ka kūʻaiʻana a me ke kūʻaiʻana i ka mea kūʻai i ka nui o nā uku kūʻai ma keʻano likeʻole a me ka hahauʻana iā lākou. Eia kekahi laʻana, i ka makahiki 2006, i ka manawa o ka māka kūʻai ma ka makahiki kahiki hope loa o kona holo muaʻana, ua lanakilaʻo Vanguard 500 Index (VFINX) iʻoi aku ma kahi o 75% o ka'āpana hui nui. A ma ka 2010 a me ka 2011, i ka manawa e ola piha ai nā lāʻau i ka manawa kūʻai ma ka 2008, ua lanakilaʻo VFINX i 70% a me 80% o nā hoa o kēlā me kēia hui.
- Nā'Akekiwai Kūloko Loa ('Alēlā): E hiki ke paʻakikī ke kūʻaiʻana i nā mea kūʻai kālā a me ka hoʻohuiʻana i nā pūʻulu kālā me nā papahana alakaʻiʻoihana i kēiaʻano paʻakikī - ma ka nalowaleʻana i ka helu kālā e like me Vanguard Total Bond Market Index (VBMFX) . Eia kekahi laʻana, i ka manawa i ulu ai ka hoʻonui waiwai i ka makahiki 2011, a ua pōmaikaʻi ka waiwai kālā no ka paleʻana i nā hōʻike hewaʻole, he makahiki maikaʻi ka waihona kālā. Akā, he makahiki nui ka hoʻopaʻaʻana i nā kālā hōʻailona. Ua lanakilaʻo VBMFX i 85% o nā kālā kau palena manawa āpau .
ʻO ka manawa maʻamau loa i ka loaʻaʻana o nā kālā o ka hōʻailona i ka mālamaʻana i ke kālā,ʻo ia ka manawa e lilo ai nāʻoihana kūʻai i mea loiloi a he limahana akamai wale nō paha. ʻO kēiaʻano kālepa ka mea i kapaʻia he kālepaʻoihana kūʻai. A ma kahi o nā mākaʻikaʻi, aia kekahi mau lālā e hiki ke hana maikaʻi ma mua o nā mea'ē aʻe i nā kālepaʻoihana.
E hoʻohana pono ana i ka hoʻohanaʻana i ka Index
ʻO ka laina lalo,ʻaʻohe ala e hiki ai ke wānana i ka hana a ka mākele i kēlā me kēia makahiki, aiʻole no kekahi manawa kūpono no ia mea. Hiki i ka'eneke Index ke hoʻohana i nā mea akamai no ka hoʻohui likeʻana a hiki ke hoʻohana ponoʻia i ka hui pūʻana me nā pūnaewele i hanaʻia e kūkulu i kahi kāleka lōʻihi lōʻihi.
ʻO nā kamaliʻi kaulana loa me nāʻano hōʻuluʻulu helu kumukūʻai maikaʻi e like me Vanguard, Fidelity a me Charles Schwab.
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.