Nā pōmaikaʻi o ka hoʻohanaʻana i ke kālā hōʻai'ē
He aha ka hua'ōlelo?
ʻO kahi hōʻailona, e pili ana i ka hoʻolālā kālā, he hōʻailona o nā mea kūʻai aiʻole nā lālā e pili ana i kahi māhele o nā mākeke kālepa.
Eia kekahi laʻana,ʻo ka Standard & Poor's 500 ( S & P 500 ), he helu helu e pili ana i ka 500 o nā hui nui loa o US, pēlā i Wal-Mart, Microsoft a me Exxon Mobil.
He aha nā mea e pono ai nā Index Index?
Aiaʻekolu mau kumu nui e pono ai i nā mea waiwai e noʻonoʻo e hoʻohana i nā kālā hōʻailona no kā lākou mauʻoihana palekana. ʻO nā mea nui o nā kumukūʻai hōʻuluʻulu ka mālama o ka passive, nā haʻawina haʻahaʻa, a me ka hoʻolaha nui.
- Palekana Passive:ʻO ke kālā o ka Mutual e hiki ke hana a mālamaʻia paha.ʻO kaʻoihana o kahi'āpana kālā likeʻole e mālama ponoʻia, e like me keʻano, ke kūʻai ikaika nei a kūʻai aku i nā waiwai me ka pahuhopu o "hahau i ke kālepa," i anaʻia e kekahi pae'āina kūikawā, e like me ka S & P 500 . Aia kekahi pilikia koʻikoʻi, akā naʻe, e hana ka luna hana i nā hoʻoponopono maikaʻiʻana a me ka hoʻokōʻole i ka S & P 500 (ʻoi aku ma mua oʻelua hapakolu o nā kālā i mālama paʻaʻoleʻia i nāʻonika no nā lōʻihi ma mua o 10 mau makahiki). I ka hoʻohālikeʻana, keʻimi nei ka luna o kahi kālā hōʻiliʻili, kahi i mālama maikaʻiʻia, e kūʻai a hoʻopaʻa wale i nā hiʻona e hōʻike ana i ka helu helu i hāʻawiʻia no nā mea e pili ana i ka hana o ka index,ʻaʻole e paʻi. Ma ka hōʻuluʻuluʻana, he kūpono ke kumu no ka mālamaʻana i nā mea kālā i ka'ōlelo, "Ināʻaʻole hiki iāʻoe ke paʻi iā lākou, e hoʻohui i ka" em. "
- Nā Kuhi Kuhi Palena:ʻO ka mālamaʻana i nā kumukūʻai he haʻawina nui ia no nā kumukūpū helu a me ka unuhiʻana o nā kumukūʻai lilo i ka kiʻekiʻe i ka mea kālā. ʻO nā kumukūʻai o ka hōʻailona helu kālā he mea ia e pili ana i kā lākou papa hana holoʻokoʻa. Inā pauʻole nā manawa kālā a me nā kālā noiʻi kālā a me nā kālepa e kūʻai a kūʻai aku no ke kumukūʻai,ʻo nā kumukūʻai i ka mālamaʻana i ka waihona, he emi loa aku ia ma mua o kaʻoi o ka pūnaeweleʻoihana. Hoʻoliloʻia kēia kumukūʻai kūʻai i nā mea kūʻai. No kēia kumu, eʻimi i ke kālā o nā kumukūʻai me nā lakene pili haʻahaʻa.
- Hōʻike Hou: E hiki i kahi mea kūʻai kālā ke lawe i nā hōʻailona o kahi māhele nui o ka mākele ma kahi waihona waihona index. Hiki ke mālama pinepineʻia nā kumukūnaewele ma nā haneli he nui a he mau kaukani kālā paha; akāʻo ka mālamaʻana i ke kālā i kekahi manawa i ka emiʻana ma lalo o 50 mau kuleana. ʻO ka mea maʻamau,ʻo nā kālā me nāʻoihanaʻoi aʻe he nui kaʻoihana kūʻaiʻoihana ma mua o nā mea i loaʻaʻole nā kuleana; a me nā waihona helu helu e hāʻawi pinepine ana i ka hōʻikeʻana i nā mea palekana aʻe ma mua o ko lākou mau mea i hanaʻia.
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 kēiaʻike i kahi'ōlelo e kūʻai a kūʻai aku i ka securitia s.