Nukae nye mutual funds, gɔmeɖose siwo ku ɖe dɔwɔwɔ ŋu kple gadede asi me

Mutual fund (mutual investment fund) – nukae nye esia le nya bɔbɔewo me, Mutual Funds siwo ƒe nuwuwu le ʋuʋu ɖi kple Mutual Funds ƒe mutual funds siwo ƒe nuwuwu le kpuie. Ga siwo wotsɔ dea gae me la dzɔa dzi na gadelawo sue kple gãwo ŋutɔ. Mɔnu sia wɔnɛ be woate ŋu ade ga nunɔamesi vovovowo me eye woaxɔ ga si womewɔna o.

Mutual Funds: nukpɔsusu kple gɔmeɖose siwo ku ɖe Mutual Funds ƒe dɔwɔwɔ ŋu

Woɖo gadodo ɖekae alo gadodo ɖekae gbã kple taɖodzinu be woahe gadede ganyawo me tso gadelawo si ƒe gakpɔkpɔ le mama dedie nu gbɔ. Gakpɔkpɔ mawo kple gɔmeɖose si nye be woaƒo wo nu ƒu hena gadede dɔ gãwo me na be wova te kapitalisttɔwo ƒe nuwɔwɔ le Europa dukɔwo me le keke ƒe alafa 19 lia me ke.

United States ƒe ga si wotsɔ kpena ɖe ame ŋu la dzɔ tso ƒe 1924. Ðoɖo mawo tɔgbe do le Russia le ƒe alafa 20 lia ƒe nuwuwu.

Susu kple gɔmeɖose siwo le gadelawo kple gadelawo ƒe dɔwɔƒe dome kadodo ŋu la sɔ kloe le ga ƒomevi ɖesiaɖe gome. Esi sidzedze kple aɖaŋu siwo hiã le gadodo ƒe asitsatsa me mele gadelawo suewo si o ta la, wotsɔa woƒe ganyawo dea gadodo ƒe gaxɔ siwo nye dɔnyala bibiwo si me. Wode dɔ asi na wo be woawɔ aɖaŋuɖoɖo aɖe, woawɔ habɔbɔa ƒe afɔɖeɖewo, eye woatrɔ asi le nuwɔnawo ŋu le ɣeyiɣi nyuitɔ dzi le asitsatsa ƒe nɔnɔmewo nu.

Mutual Funds, ETFs, Mutual Funds: Nusiwo bɔ kple esiwo to vovo

Abe akɔntabubu gbãtɔ ene la, gadede asi siawo katã tsi tre ɖi na nu ɖeka. Nyateƒee, gɔmeɖose ɖeka mawo ke dzie wotu wo ɖo, gake vovototo ɖedzesiwo le wo dome. Nusi te ɖe ƒomevi si ŋu wole nu ƒom tsoe ŋu wue nye ETF – index mutual fund. Dɔwɔɖoɖo sia tu eƒe dɔwɔnawo ɖe stock indices yometiti dzi. Togbɔ be gadodo ƒe mɔnu siwo mewɔa naneke o wu hã la, ETF-wo va le amewo lɔ̃m le duta. Esia tso nuwɔwɔ le gaglãgbe geɖe wu, fe siwo mebɔ o kple index tracking mɔnu si le dɔ wɔm nyuie gbɔ.
Ga si wotsɔna ƒoa ƒui nye ga si wotsɔna ƒoa ƒui le Russia. Russia ƒe gaxɔgbalẽviwo ƒe asi koŋ ye wɔa dɔ le dɔwɔƒea. Dɔwɔƒe gã ʋee aɖewo koe wɔa dɔ le duta gaxɔgbalẽviwo me, abe VTB Capital Investments alo Sberbank Investor ene.

Le veviẽ! Le dunyahehe kple ganyawo ƒe nɔnɔme si trɔ ta la, gadede Russia ƒe gadodowo me le afɔku gã aɖe me le kakaɖedzimanɔamesi ƒe agbɔsɔsɔ gã ta. Alesi gadododɔwɔƒewo wɔa nu aduadu kple Russia ƒe Gadzraɖoƒegã, si nye gaxɔmenu veviwo, na be nàte ŋu awɔ asitsatsa abe alesi nèwɔnɛ ɖaa ene, gake mɔxeɖenu aɖewo le eŋu.

To vovo na duta gadede gaxɔwo la, Russiatɔwo tɔ nye ga si wotsɔna dea gae ko. Womegblɔ ga si woama na amewo ƒe fexexe le habɔbɔ kple se ƒe nɔnɔme sia nu o. Le duta la, woɖe mɔ be woawɔ gadodo ƒe gawo le dɔwɔƒe siwo wɔa dɔ ɖekae ƒe nɔnɔme me. Womaa ga si wotsɔna ƒoa ƒui ƒe akpawo, le eƒe ƒomevi nu (si woʋu alo wotu) to gaxɔa dzi alo to gaxɔa dzi.
Ŋuɖoɖo! Woate ŋu aƒle mutual fund ƒe akpa alo gomekpɔkpɔ le mɔ vovovowo nu: le ame ŋutɔ gbɔ, le Internet dzi le gaxɔa ƒe teƒea, to nugblẽfexeha aɖe dzi, alo to asitsaha aɖe gɔ̃ hã dzi. Woɖea mɔ ɖe gadede asi to gaxɔ si wotsɔ kpena ɖe ame ŋu dzi to nubabla aɖe si wowɔ kple dɔwɔƒe si kpɔa dɔa dzi me ko dzi. Vovototo vevi aɖe le ga siwo wozãna hã me. Gomekpɔkpɔ le ga si wotsɔna ƒoa ƒui me ate ŋu adzɔ le rublewo me ko.

Viɖe kple kuxi siwo le gadede asi ɖekae me

Abe gadede gaŋutiɖoɖowo me ƒe ɖoɖo ɖesiaɖe ene la, menye viɖewo koe le gadede asi ɖekae me o, ke ebia be woabu “mɔ̃” aɖewo hã ŋu. Viɖewo le mutual funds ŋu, le susu nyui gome:

1. Dukɔ ɖesiaɖe ƒe sewoe kpɔa gadododɔwɔƒewo ƒe dɔwɔna sia ƒomevi dzi vevie . Gaawoe kpɔa gadede asi ƒe ɖoɖoa dzi. Gadodo ƒe aɖaŋu kple aɖaŋuwo toto vɛ nye gaxɔa ƒe dɔ. Le go sia me la, gadelawo wɔa akpa aɖe si mewɔa naneke o. To eƒe ga dede eme me la, ga koe wòkpɔna. Wokpɔa gadelawo ta to nubabla ƒe kadodo kple gadelawo ƒe dɔwɔƒea me.
2. Mehiã be gadelawo nade ga gbogbo aɖewo eme o . Asixɔxɔ si le nunɔamesi xɔasiwo ŋu ate ŋu asɔ gbɔ wu alesi ame siwo ate ŋu ade ga asi na ame suewo kple gãwo dome la zi gbɔ zi geɖe. Wokpɔa ŋusẽ nyui aɖe ɖe wo dzi to nunɔamesi mawo xɔxɔ ɖekae me to woƒe gege ɖe gadodo ƒe gaxɔ aɖe me.

Le ɣeyiɣi ma ke me la, ele be gadelawo nadzra ɖo ɖe nyateƒe si wònye be ɖewohĩ nunɔamesi la ƒe asixɔxɔ maɖe mɔ na dzidziɖedzi le etsɔme o la ŋu. Abe ganyawo ƒe asitsatsa bubu ɖesiaɖe ene la, gadede asi to ga si wozãna ɖekae dzi ate ŋu ana gakpɔkpɔ nabu. Nukae nye mutual funds – le nya bɔbɔewo me: https://youtu.be/k4TYFq1_zv4

Nukae nye ga si wotsɔna ƒoa ƒui

Woma mutual funds ɖe ƒomevi vovovowo me le dzidzenuwo abe

ʋuʋu faa

Wo dometɔ aɖewoe nye esiawo:

• ga siwo woʋu ɖi la ɖea gome yeyewo ɖe go edziedzi, eye womaa wo ɖe gadelawo yeyewo dome. Le alesi woxɔa dɔdzikpɔfewo nu la, wodea vovototo hatsotso sue eve dome: ga si me agba aɖeke mele o (womexɔa dɔdzikpɔfe o), ga si me agba le (woxɔa dɔdzikpɔfe). Aleke kee wòɖale o, gadodo ƒe gaxɔ siwo me woate ŋu aƒle ga le ate ŋu aƒle gome le gadelawo si. Gaxɔa me koe gomenɔamesiwo mama toa eme.
• closed -end funds ɖea unit xexlẽme aɖe ɖe go, megaƒle unit siwo woma va yi o. Wowɔa asitsatsa to gaxɔmenudzraƒewo dzi.

Ɖo ŋku edzi! To asitsalawo dzi alo le gaxɔmenudzraƒewo koe woate ŋu aƒle xɔ siwo wotu la ƒeƒle. Ele be woaɖɔ ŋu ɖo le gadede ga siawo me ne womeɖo nunɔamesiwo ƒe agbalẽdzraɖoƒea bliboe o.

Nuwo ƒe tiatia

Mutual funds tua dɔwɔna ɖe nunɔamesi ƒomevi vovovowo xɔxɔ dzi. Ate ŋu anye:

1. Dodoɖeŋgɔwo . Wozãnɛ tsɔ kpɔa viɖe tso dɔwɔƒe gãwo ƒe gomekpɔkpɔ me le ɣeyiɣi didi aɖe megbe.
2. Kadodowo . Gbã la, amewo tsɔ ɖe le gadede dziɖuɖu ƒe gagbalẽ siwo nɔa anyi didi kple dɔwɔƒe gãwo ƒe gagbalẽwo me. Gake ele be gadelawo nanya be woaxe adzɔ ɖe ga si wòkpɔ la ta. Woɖea asi le gadede dugãwo ƒe gagbalẽ siwo woaxe ɣeyiɣi didi me ŋu tso adzɔxexe ƒe agbaa me.
3. Gaxɔgbalẽviwo kple gagbalẽwo . Woyɔa ga siwo wɔa dɔ le mɔ eveawo siaa nu be woda sɔ.
4. Fenyinyi ƒe agbalẽ siwo woxena hena ɣeyiɣi kpui aɖe la nye dziɖuɖu kple dɔwɔƒewo (woxea adzɔ ɖe wo ta) alo dudzikpɔƒea (womexɔa adzɔ o). Woyɔa ga siawo be ga si wotsɔna ƒoa gae.
5. Aƒewo kple anyigbawo hena asitsatsa, hadome alo aƒewo me nɔnɔ .

Nusi woyɔna be ga ƒe gae le ɖoƒe tɔxɛ aɖe. Wodea ga asi na ga bubuwo ƒe gomenɔamesiwo me.

Edoa dzidzɔ na ame be woanya! Le dukɔ deŋgɔwo me la, ga si wotsɔ dea gae me la kpɔa gome le dukɔa ƒe dzudzɔxɔxɔledɔme ƒe ɖoɖowo me léle ɖe asi me. Ame siwo koŋ dzɔa gae nye dzudzɔxɔxɔledɔme xɔlawo, nunɔamesi siwo wozã la nye dɔwɔƒe gã siwo ƒe gakpɔkpɔ nɔa anyi ɖaa ƒe gome siwo ŋu kakaɖedzi le ƒe ƒuƒoƒo. Wodea ga me hena ɣeyiɣi kpui aɖe, ɣeyiɣi si sɔ gbɔ wue nye ƒe 5. Woyɔa ga si wotsɔna ƒoa ƒui siwo ƒe nɔnɔme sɔ kple wo nɔewo be dzudzɔxɔxɔledɔmega. Wokpɔe be woamae le teƒe geɖe le USA, Canada, Japan.

Viɖekpɔkpɔ kple afɔku siwo le gadede asi ɖekae me

Dedienɔnɔ ƒe agbalẽ ɖesiaɖe alo gomenɔamesi xexlẽme aɖe xɔxɔ le gadodo ƒe gaxɔ me ƒe taɖodzinue nye be woakpɔ ga. Ame si de gae la tsɔ ɖe le alesi kakaɖedzi le gakpɔkpɔ ma tɔgbe ŋui me. Enɔ te ɖe gadodo ɖekae ƒe gaxɔa ŋutɔ ƒe dzidzedzekpɔkpɔ dzi, eƒe aɖaŋu. Nusɔsrɔ̃ tso nuteƒekpɔkpɔ si su esi va yi le ɖoɖo sia tɔgbe ŋu la aɖe afɔku siwo le gakpɔkpɔ sia ƒe bublu me dzi akpɔtɔ. Ga si wotsɔ dea gae me la kpɔa gome le gakpɔkpɔ me le mɔ si mewɔa naneke o nu, gake ele be wòase afɔku siwo le nusiwo bu me gɔme nyuie. Afɔku siawo dometɔ aɖewoe nye:

1. Afɔku si le nunɔamesiwo ƒe asixɔxɔ dzi ɖeɖe kpɔtɔ me. Le ganyawo ƒe asitsatsa alo aƒewo kple anyigbawo ƒe asitsatsa me la, womeɖea asi le nɔnɔme siwo me nunɔamesi aɖe ƒe asi ate ŋu “aɖiɖi” ŋu o. Esia wɔnɛ be gadelawo buna le ga si wòde ga si wotsɔ de gaxɔa me ƒe gomekpɔkpɔwo me la me.
2. Deme ƒe afɔku, i.e. deme dzi ɖeɖe kpɔtɔ, si ana ga si wokpɔna le gomea me naɖiɖi.
3. Liquidity ƒe afɔku, i.e. dedienɔnɔ ƒe nyonyome. Esia ate ŋu ana woƒe asixɔxɔ nabu.
4. Afɔku si le ganyawo ƒe kuxi me. Le xaxa aɖe ƒe gɔmedzedze ta la, gadelawo ƒe akpa gãtɔ ate ŋu abia be woakpɔ ga si wotsɔ de gae la me. Esia abia ga gbogbo aɖewo, siwo ɖeko mele gaxɔa si o.

Le veviẽ! Ne ame le gadodo ƒe ɖoɖoa me tom le viɖekpɔkpɔ kple afɔku gome la, mele be wòaŋlɔ dɔdzikpɔfewo kple gadodo na gadodo ƒe gaxɔa be o. Fetu vovovowoe le dɔwɔƒe vovovowo si. Ele be nàse egɔme be ga siwo me viɖe geɖe le la ƒe gazazãwo lolo eye woxea fe geɖe wu.

Ale si woade gae

Ne èle nya me tsom be yeade ga to ga si wozãna ɖekae dzi la, ele be nàdzro tiatia siwo katã nàte ŋu awɔ me. Ne èle duta gadzraɖoƒe aɖe ƒe units (shares) ƒlem la, ele vevie be nàse egɔme be ahiã be nàʋu gakɔnta le duta gadzraɖoƒe aɖe. Enye sedziwɔwɔ hã be woana adzɔxedɔwɔƒea nanya. Ne kadodo kple duta xɔtuɖoɖowo hea kuxiwo vɛ la, ekema anyo wu be woatia dukɔa me mɔnu bubu.
Ne ètia tiatiaawo dometɔ aɖe la, ele be nàlé ŋku ɖe ga si wotsɔ kpena ɖe ame ŋu ƒe ŋutinya kple dzidzedzekpɔkpɔ ŋu. Ele be nàɖɔ ŋu ɖo le dɔwɔƒe siwo naa ga geɖe alo wokpɔa gome le asitsatsa me mede ƒe 3 o la ŋu. Mesesẽ be woakli nu le dɔwɔƒe aɖe si blea ame si si tiatia nyui aɖeke mele o la ŋu o.

Abe kpɔɖeŋu ene la, bu nɔnɔme si le Mercury ƒe gaxɔgbalẽvia ŋu kpɔ. Woda asi ɖe ɖoɖoa dzi be enye ganyawo ƒe piramid tso ƒe 2015 me. Le ƒe 2017 me la, etrɔ eƒe ŋkɔ wòzu Mercury Global. Egakpɔtɔ xɔ ŋkɔ le dukɔ aɖewo siwo nɔ Soviet Union megbe la me.

Mɔnu si wozãna tsɔ dea gae to gadodo ɖekae kple gadodo ƒe agbalẽdzraɖoƒe ɖoɖo ƒe kpɔɖeŋu siwo ame geɖe lɔ̃a zazã wu dometɔ ɖekae nye Amerikatɔ gadelawo John Bogle ƒe nuteƒekpɔkpɔ. Susu veviwo: ele be gaxɔgbalẽvia nada asɔ, Amerikatɔwo ƒe gaxɔgbalẽviwo nanɔ eme, gaxɔgbalẽvia “bɔbɔ” kple vovototodedeameme to gagbalẽwo dzi. Woateŋu akpɔ nyatakakawo tsitotsito le agbalẽŋlɔla ƒe dɔ si gadelawo John Bogle wɔ “Mutual Funds”, si woateŋu awɔ kɔpi femaxee le internet dzi. Àte ŋu axɔ nyatakaka blibo to Internet dzi dɔwɔƒewo alo aɖaŋuɖola bibi aɖe ƒe kpekpeɖeŋu me. Esi wotso nya me le tiatia si woawɔ ŋu vɔ la, teƒe si gaxɔa le la didi koe susɔ.

Mutual fund siwo ame geɖe lɔ̃na eye woate ŋu aka ɖe wo dzi

Vanguard Ɣeyiɣi Didi ƒe Gadede Asi-Grade Adm (VWETX) .

Ƒuƒoƒo sia si John Bogle ɖo la ƒe akpa aɖewoe nye ga si wotsɔ kpena ɖe ame ŋu ƒe ga 120, siwo nye ga si wotsɔ ƒoa gae ƒe ga si wu 200. Nusi léa dzi na ame ŋutɔe nye be ƒuƒoƒoa ƒe ga mexɔa dɔdzikpɔfe aɖeke o. Ƒuƒoƒoa ƒe nu lédzinamewo dze ƒã, gadelawo siwo wu miliɔn 20 siwo tso dukɔ 170 me le eme. Ðoƒe etɔ̃lia le United States ƒe gaxɔgbalẽviwo dome. Eléa fɔ ɖe fe siwo wodona le ɣeyiɣi didi aɖe me ƒe gaxɔgbalẽviwo ŋu

BlackRock Xexeame Katã ƒe Numamã Dɔwɔƒe (MALOX) .

Xɔtuɖoɖowo ƒe mama geɖe le eŋu. Esia wɔnɛ be woate ŋu ade ga nunɔamesi ƒomevi ɖesiaɖe me. Be woalé fɔ ɖe adzɔnu siwo me wokpɔa ga geɖe le ŋu ko la, gaxɔ aɖe li ɖe vovo.
Gadede asi ɖekae to nubabla ƒe kadodowo wɔwɔ me sɔ na amesiwo si sidzedze kple aɖaŋu tɔxɛ mele le go sia me o. Mutual funds, ne míagblɔe bɔbɔe la, nye habɔbɔ siwo naa mɔnukpɔkpɔ amewo be woakpɔ ga to ga sue aɖewo dede me eye gadelawo siwo menye dɔnyala bibiwo o ƒe gadede ɣeyiɣi suetɔ kekeake me.