No ke aha he hōʻailona helu 5-ʻole ka manaʻo e loaʻa ana iāʻoe ke kālā maikaʻi loa
Ponoʻoe e hoʻolako i nā kālā kālā 5-hōkū? Ma mua o ka paneʻana i kēia nīnau me kaʻikeʻana, e aʻo hou e pili ana i ka helu hōkū a me kāna hana.
He aha ka helu hōkū no mutual fFunds?
ʻO Morningstar kahi pūnaewele noiʻi kūʻokoʻa i hāpai i ke kūlana kaulana ma ke ao holoʻokoʻa nui ma muli o ka hōkū kohoʻana. Ma ka'ōlelo Morningstar, eia ka hana a kā lākou hōkū kiʻi star:
Hōʻoia ka Morningstar ma muli o ka Morningstar Risk Adjusted Return. Hōʻikeʻo Morningstar i nā palena no nā manawaʻekolu,ʻelima, a me 10, a laila,ʻo ka Hōʻai'ē Morningstar Rating e hoʻokumuʻia ma kahi kaulike o kaʻike manawa manawa. Pono nā mea i lalo e helu i ka helu helu Starstar no nā kālā:
Hokupa Morningstar Risk-Adjustment Return% Rank for funds in a category for three, five, and 10 years.
Nā hana hoʻonohonoho moʻokūʻauhau no nā kālā a pau i loko o ka'ōpana
He papa e wehewehe ana i ka lōʻihi o ka like like ma waena o nāʻanoʻelua o nā māhele, e piʻi ana mai ka'ōlohelohe (likeʻole) i hoʻokahi (like)
I ka unuhiʻana, ua hōʻoia ka Morningstar i ka waihona kālā ma luna o ka hana akā hiki ke hoʻololi hou i ka hopena.
Eia kekahi laʻana, e loaʻa paha kahi helu helu 5-a me 10 mau makahiki i kahi'āpana kālā i hanaʻia ma luna o ke kaʻina kālā i ka helu he 5-a me nā makahiki he 10, inā paha inā loaʻa ka hōʻai'ē i kēlā mau hōʻike me ka loaʻaʻole o kahi kūlana kiʻekiʻe loa. .
No laila,ʻaʻole makemake e kūʻai i nā kālā kālā he 5-a loaʻa nā kiʻekiʻe kiʻekiʻe, e pili ana i kā lākouʻano iho, me kaʻole eʻoi aku ka hopena iʻoi aku ka nui ma mua o ka kaialana no ka māhele?
Ke hanaʻole nā kālā 5-Star e like me ka mea i manaʻoʻia
No ka nani, hōʻoiaʻiʻoʻo Morningstarʻaʻole e like me nā hana i hala aku nei,ʻaʻole hoʻi lākou e hōʻoiaʻiʻo e hoʻokūkū i nā kālā kālā he 1-, 2- 3, a me 4 ma ka wā e hiki mai ana.
Eia naʻe, ke hoʻomau neiʻo Morningstar i ka hōʻailona o kā lākou hōkū i mea nui o ka hoʻohanaʻana i kā lākou mau lawelawe.
Eia kekahi mauʻike e pili ana i ka helu hōkū a mākou i hana ai i loko o 20 mau makahiki mai ka hoʻohanaʻana i Morningstar (ʻae, e noʻonoʻo nei mākou ua pili pono Morningstar):
- ʻO ka hōʻailonaʻana i nā kālā ,ʻo ia ke kālā kūpono loa no nāʻano waiwai kālā a pau, mai ka hoʻomakaʻana i ka poʻeʻike, i ka poʻeʻoihana. Akā,ʻaʻole e loaʻa i ka waihona helu helu he helu helu 5-helu no ka meaʻoi loa aku ka nui o kā lākou hana ma mua o nā palena i ka wā pōkole. Loaʻa nā kālā e like me Vanguard Total Stock Market Index (VTSMX) i ka helu helu he 4-helu no ko lākou hoʻiʻana i nā makahiki 3 a me 5-āpau e hoʻoluli i ka waena. Akāʻo ka hoʻihoʻiʻumi makahiki he pinepine i ka hapanui o nā hoa. Loaʻa ka VTSMX i ka helu helu he 5-helu ma kaʻu puke akāʻaʻole e loaʻa kahi i Morningstar's.
- Hiki ke loaʻa i kahi kālā nui lōʻihi o ke kikowaena, i kekahi manawa i nā makahiki heʻelima aʻoi aʻe paha, no ka mea, ua pōmaikaʻi lākou mai nā'ōnaehana hoʻolālā akamai wale nō,ʻo ke kālā kūlike, e like me ke kālā o nā lālā , hiki ke loaʻa ka manawa maikaʻi mai ka hoʻokomoʻana nā lima o nā lāʻau i hoʻomalu i nā makahiki he nui. Hiki i kekahi kālā e like me kēia ke loaʻa i ka helu hōkū 5-akā hiki i kēlā poʻe hana nui ke loaʻa i nā lilo nui a ke hāʻule wale nei ka puʻu kālā 5-hōʻailona iʻekolu kālā.
- Hiki ke heluʻia ka hōkūʻana i kahi hoʻomaka maikaʻi no kaʻimi noiʻi kālā a me ka hōʻiliʻiliʻana . Eia naʻe,ʻaʻole ka manaʻo maikaʻi i ka hoʻokaeʻana i ka hulina i nā helu he 5 wale nō. ʻAʻole wau e'ōlelo aku e kūʻai i kahi kālā kālā 1 a 2 paha, akā he nui nā kālā 3- a me 4 i maikaʻi i ka holo lōʻihi. Eia hou,ʻo nā kumukānāwai hōʻailona he hiʻohiʻona ia.
No ka hōʻuluʻuluʻana, hiki ke heluʻia ka hōkū koho i kahi hoʻomaka no ka noiʻi kālā kālepa akāʻo ia wale nō kahi o nā kumu nui e hoʻohālikelike ai. ʻO kaʻoiaʻiʻo,ʻoiai e hoʻokomo anaʻoe i ka hōʻanoʻana a me ka haʻahaʻa haʻahaʻa kiʻekiʻe ma kāu papa helu papahana, hiki iāʻoe ke hōʻole i ka helu hōkū a loaʻa mau i nā kālā maikaʻi loa iāʻoe.