Zikhulupiriro Zabwino Kwambiri Zogulitsa ku UK 2023

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Mukuyang'ana kuti muwonjezere malingaliro anu pakufuna kwanu kukulitsa ndalama zanu? Ngati ndi choncho, ndi bwino kuganizira za trust trust. 

Mwachidule, polowetsa ndalama ku UK Investment trust, woperekayo amagula ndikugulitsa magawo, ma bond, ndi makalasi ena azinthu m'malo mwanu.

Izi zimakupatsani mwayi wopeza zida zandalama zomwe zikadakhala zovuta kuzipeza. Koposa zonse, njira yonse yogulitsira ndalama ndi yopanda pake. 

Taphatikiza chitsogozo cha ma trust abwino kwambiri komanso odalirika omwe tikuganiza kuti ndi oyenera kuwaganizira. Timafotokozeranso ins and outs za momwe ma trust trust amagwirira ntchito, ndikuyankha ena mwa mafunso omwe anthu ambiri amawafunsa.

 

Pitani ku eightcap Tsopano

Kodi Investment trust ndi chiyani?

Investment trust ikhala ndi magawo ake m'makampani ena, ma bond, kapena katundu. Idzalowetsa likulu lake m'mabizinesi anthawi yayitali, zomwe zimabweretsa kubweza kwa omwe ali nawo. Magawo awa amapezekanso kwa ogulitsa komanso ogulitsa mabungwe. Pali zikhulupiliro zosiyanasiyana zogulitsa ndalama zomwe zikupezeka pamsika, iliyonse yomwe imapereka mitundu yosiyanasiyana yazachuma, ndipo iliyonse idzakhala ndi njira yosiyana pang'ono.

Kodi mungaganize zolowetsa ndalama zanu mu trust trust; pophatikiza ndalama zanu pamodzi ndi osunga ndalama ena, mumatha kukhala ndi mwayi wopeza zambiri pazinthu zosiyanasiyana. Kukhazikitsidwa ngati kampani yaboma kuyambira pachiyambi, ma trust aku UK amagulitsidwa ku London Stock Exchange. Nthawi zina, izi zitha kukhala kudzera mu Alternative Investment Market (AIM)

Kudzera mundalama imodzi yokha, kusiyanasiyana kwa trust trust kumakupatsani mwayi woyika ndalama m'makampani angapo, kapenanso masauzande ambiri. M'malo mwake, mumakhala ogawana nawo mukampani mukamalowetsa ndalama mu trust trust.

Malipiro ndi Kuchotsera Kufotokozedwa

Amagwiritsidwa ntchito kutseka mipata pakuwerengera, magawo akayamba kugulitsa ndalama zambiri, trust trust yanu ingasankhe kutulutsa masheya atsopano. The trust ingagwiritse ntchito ma DCM (Discount Control Measures) kotero kuti ngati kusiyana kwa mtengowo kudzakhala kwakukulu, DCM idzatseka mwamsanga. Investment trust imakakamizika kusindikiza maakaunti owerengedwa, komanso lipoti lapachaka. Malamulo omwewo amagwiranso ntchito ku kampani ina iliyonse pamsika wamasheya.

Kwenikweni, magawo a trust trust amatha kugulitsidwa kupitilira katunduyo - zomwe zimadziwika kuti 'premium', ndipo nthawi zambiri zimatanthawuza kuti magawowo amakhala okwera mtengo. Nthawi zina trust imathandiza eni ake masheya kuti agulitse ena mwa magawo awo pamtengo wapafupi kwambiri ndi NAV (Net Asset Value), kapena kuchotsera kokhazikika.

Ambiri omwe ali m'derali angakulimbikitseni kuti musamagule ndalama zogulira ndalama pamene zikugulitsa mtengo wapatali (ndiponso kugulitsa pamene zili pansi), chifukwa izi zidzakhala ndi zotsatira zosafunika zochepetsera kubweza kwanu kwa nthawi yaitali.

Kodi Ma Unit Trust Amasiyana ndi Investment Trusts?

Choyamba, ma unit trust akulephera kubwereketsa ndalama kuti agule masheya (omwe amatchedwa 'Gearing'). Izi zimapatsa ndalama zogulira m'mphepete, chifukwa ali ndi zambiri pogula zomwe angathe komanso kugula. Inde, ngati msika ukugwa, izi zikutanthauza zotayika zambiri. Kumbali yakutsogolo, zitha kutanthauza kuti mumapindula pamene msika ukukwera.

Ngati, komabe, wogulitsa ndalama akufuna kugulitsa magawo omwe ali mu thumba la ndalama - kawirikawiri, izi zimatheka pogulitsa kudzera mumsika wogulitsa. Mofanana ndi gulu lina lililonse lazachuma, wogula amafunikira kuti athandizire kugulitsa - mosiyana ndi unit trust.  Ndikofunikira kudziwa kuti onse ndalama (kaya ndalama zodalirana kapena ayi) kwenikweni ndi njira yophatikizira ndalama zambiri pamodzi, ndithudi ndi malingaliro oyika ndalama pazida zokulirapo.

Chifukwa ma trust trust amatha kuyika (kapena kubwereka) zikutanthauzanso kuti amapezeka kwa anthu wamba. Iyi ndi nkhani yabwino kwa inu ngati kasitomala wogulitsira, chifukwa simudzafunika kukwaniritsa zochepa zamaakaunti. Amatchedwa kugulitsa pamtengo wapatali, kapena kugulitsa pamtengo wotsika, mtengo wa magawo mu trust trust ukhoza kukhala wokwera, kapena wotsika kuposa mtengo wagawo lililonse lomwe lili mudengu.

Woyang'anira thumba nthawi zonse amasankha makampani omwe akuyenera kuyikidwamo. Izi zikutanthauza kuti mudzapindula ndi ndalama zomwe mumapeza munjira zake zenizeni. 

Ndalama zotsekedwa komanso zotseguka - Zomwe muyenera kudziwa

Kuyambira pakati pa zaka za m'ma 1800, ma trust trust akhala achinsinsi kwambiri, makamaka pakati pa osunga ndalama. Chifukwa chake chinali chakuti, m'mbuyomu anali ndi zolipiritsa zotsika kwambiri komanso zobweza zambiri (kuphatikiza ma unit trust).

Posachedwa kwambiri kumapeto kwa zaka za zana lino ndipo kuyambira pamenepo pakhala pali zosintha zambiri panjira zomwe thumba limatha kulipiritsa chindapusa. Izi zidachitika chifukwa cha zosintha zomwe zidatsatiridwa ndi (monga momwe zikudziwikira tsopano) Retail Distribution Review, kutanthauza kuti pogulitsa thumba, oyang'anira thumba sanathenso kulipira ntchito kwa alangizi azachuma.

Zikhulupiriro zamagulu

Nthawi zina amatchedwa ndalama zotseguka - ma unit trust amatha kukwaniritsa zosowa za osunga ndalama omwe angafune kugulitsa gawo lawo, kapena kugula thumba linalake. Izi ndichifukwa choti thumba la unit limatha kuwombola kapena kutulutsa mayunitsi nthawi iliyonse yomwe akufuna. Magawo awo amayikidwa ku nambala yokhazikika ndipo nthawi zina amawonedwa ngati njira yotetezeka kuposa ndalama zotsekedwa.

Investment trust ndi ndalama zotsekedwa, zomwe zikutanthauza kuti kampaniyo idzagulitsa magawo kwa osunga ndalama mwachindunji. Mabizinesi otsekedwa amatha kukhala njira yowopsa, koma m'mbuyomu akhala akupereka zabwino zambiri.

Ndi ndalama zotani zomwe zimakhudzidwa ndi Investment trust?

Dziwani za komishoni iliyonse kapena zolipiritsa zina zomwe mungafunike kulipira kuti mugwiritse ntchito thumba. Ndalama zotseguka sizikhala ndi stock broker Commission, mosiyana ndi ma trust trust

Kumbukirani kuti mudzalandira mtengo wosiyana pogula, monga momwe mudzachitira mukagulitsa, kotero kuti trust trust imangotchula mtengo wagawo ngati 'bid offer'.

Kuti muthe kuyang'anira mbiri yake, ma trust trust ambiri amakuuzani zomwe zimadziwika kuti ndi ndalama zomwe zimapitilira. Izi zimalipidwa pachaka ndipo kenako zimachepetsedwa kuchoka ku akaunti yanu yonse. Izi zikuphatikizapo ndalama zanthawi zonse monga zolipira zowerengera ndi zowongolera, komanso chindapusa cha omwe ali ndi trust trust.

Ntchito ya sitampu

Muyenera kulipira boma 0.5% pa sitampu (gawo la msonkho) pogula masheya aliwonse mu trust trust. Izi sizingalephereke.

Ndikoyenera nthawi zonse kuyang'ana chikalata cha 'key information' kuti mukhale ndi lingaliro lomveka bwino pazifukwa zina zomwe mungapatsidwe. Mwachitsanzo, chindapusa chofala ndi chindapusa, chomwe chimayenera kulipidwa ngati bwana wanu akwaniritsa zina mwazolinga zomwe zakhazikitsidwa.

Capital return 

Kupanda kutero kumadziwika kuti kubweza likulu (kapena ROC), izi zimakupatsirani chizindikiritso cha kuchuluka kwamitengo yanu yakwera kapena kutsika. Mungafune kufananiza kubweza kwathunthu kutengera NAV - ndi kuchuluka kwa ndalama zogawa. Mapulogalamu ambiri ogawa adzayesetsa momwe angathere kuti agwirizane ndi magawo kuti athe kusunga ndalama zoyambilira za eni ake.

Pali ndalama zingapo zomwe mungapangire ndi thumba la trust, ndipo kulipira chindapusa ndi gawo limodzi chabe - kotero ganizirani zomwe mungafune kuchokera pakugulitsa. Pamapeto pake, chidaliro chilichonse chimasiyana pankhani ya zolipiritsa. Ngakhale kuti wina angawoneke ngati wopikisana poyamba, pangakhale ndalama zambiri zobisika zomwe zili mkati mwazogulitsa.

Malipoti a malipoti a ndalama Investment Trust

Mukuvutika kuti mumvetsetse chidule chandalama kapena magwiridwe antchito mu lipoti lanu lapachaka la Investment trust? Tonse tikudziwa kuti ndi chikalata chofunikira kwambiri, koma kumveketsa bwino kungakhale nkhani ina! Investment trust imakakamizika kusindikiza maakaunti owerengedwa, komanso lipoti lapachaka. Izi sizikusiyana ndi kampani ina iliyonse pa kugulitsa masheya msika.

Monga gwero la ndalama, zingakhale zopindulitsa kwambiri kuti mukhale ndi chidziwitso choyambirira cha lipoti la pachaka musanayike ndalama.

• Choyamba, muwona chidule cha magwiridwe antchito, chomwe chidzakuwonetsani m'njira ziwiri zosiyana momwe mukudalira kwanu. Mudzawona kuchuluka kwa ndalama zanu, komanso kusintha kwa mtengo wagawo (mapaundi ndi pence). 
• Maperesenti nthawi zambiri aziwonetsedwa pazobwezera zonse, zomwe zikuphatikiza zolipirira zilizonse monga zogawika ndi ndalama zomwe amagawana. Chiwopsezo chonse chobwerera sichofanana ndi chiwongola dzanja. Capital return ndi kuchuluka kwa mtengo wagawo womwe wakwera kapena kutsika mchaka.
• Mwachitsanzo, ngati mtengo wagawo wa trust utsika ndi 10%, kubweza kwa capital share ndi -10%. Ndiye, ngati mtengo wagawo upereka 4% muzopindula, kubweza kwathunthu kwa eni ake ndi -6%.
• Kumbali ina, ngati chikhulupiliro chikukwera ndi 10%, ndalama zobwereranso zidzakhala 10%. Ngati mtengo wagawo upereka 4% muzopindula, kubweza konse kwa omwe ali ndi masheya ndi 14%
• Matrasti ena apangitsa izi kukhala zowonekera bwino momwe angathere ndipo adzafalitsa zonse zobweza zonse ndi zobweza zazikulu.
• Mudzawonanso NAV. Izi zikuwonetsani mtengo wamabizinesi odalirika, popanda ngongole. Woyang'anira thumba ali ndi udindo wosankha ndalama zabwino, motero NAV idzauka, ndikuyendetsa likulu lanu.
• Kukula mkati mwa NAV kudzathandiza kuyendetsa mitengo yamagulu, yomwe timakambirana mwatsatanetsatane pansipa.

Investment Trust - NAV

Monga tanenera kale, mawu akuti NAV amaimira Net Asset Value. M'mawonekedwe ake ofunikira kwambiri, zimakupatsirani chizindikiritso cha kuchuluka kwa ndalama zomwe kudalirako kuli kofunikira (kuchotsa ngongole zake) Pazifukwa izi, ndikofunikira kuti mukhale ndi chidziwitso choyambira chomwe NAV imatanthauza komanso momwe ingakuthandizireni.

Mwachitsanzo, chinthu chabwino kukumbukira ndikuti mtengo wamtengo wapatali komanso mtengo wagawo la trust trust ndi zinthu ziwiri zosiyana. Cholinga chachikulu cha NAV ndikukuuzani kuti ndalama ndi chiyani kwenikweni ofunika. Pankhani ya mtengo wagawo, izi ndi zomwe amalonda akuwona kuti ndalamazo ndizofunika - kutengera mphamvu zamsika.  

M'malo mwa omwe ali ndi masheya, trust trust ikhoza kubwereka ndalama, Ngongole yomwe imapezeka nthawi zonse imachotsedwa pa kuchuluka kwa ndalama zomwe amagulitsa kuti athe kuwerengera mtengo wawo wonse. Ndi zomwe zanenedwa, chikhulupiliro chandalama chokhala ndi katundu wokwana £500 miliyoni, pamodzi ndi ngongole zokwana £100 miliyoni, chidzakhala ndi ndalama zokwana £400 miliyoni.

Pali mitundu iwiri ya NAV, zomwe zimatengera momwe okhulupirira amawerengera ngongole zawo:

Mtengo wamabuku: -Zidzawononga ndalama zingati kubweza wobwereketsa

Mtengo Wabwino: Ngongoleyi ndiyofunika bwanji tsopano

Mtengo wamtengo wapatali wa ngongole ndi wotsika mtengo wa NAV. 

Mukamaganizira za (ngati zilipo) zikhulupiliro zomwe mungafune kugula, nthawi zonse yesani kuganizira za trust trust ndi cholinga chanu chanthawi yayitali, popeza mtengo wagawo ukhoza kukulirakulira.

Kumbukirani, cholinga chachikulu cha woyang'anira thumba ndikusankha ndalama zabwino, ndikukulitsa chuma chonse. Chofunika kwambiri, NAV ndi njira yabwino yowonera kuchuluka kwa ntchito yabwino yomwe woyang'anira thumba akuchita.

Malipiro a dividend fund adafotokozedwa

Gawoli kwenikweni ndi malipiro omwe amaperekedwa kwa eni ake, ndi kampani. Chifukwa chake, ngati muli ndi magawo omwe akuphatikizidwa m'masheya omwe muli nawo, kampaniyo ikapeza phindu, mupindulanso ndi gawo lazo. Kuyika ndalama m'magawo ogawa kumatanthauza kuti mutha kukulitsa mtengo wamsika wa mbiri yanu, ndipo zitha kutanthauza kuti mumapeza ndalama zokhazikika kuchokera pamenepo.

Ma trust trust amatha kusunga mpaka 15% ya zopindula, mosiyana ndi ndalama zotseguka zomwe zimayenera kupereka ndalama zonse zomwe amapeza (kuchokera kukampani yomwe idayikidwamo). Chifukwa chake, trust ikakhala ndi chaka chosavomerezeka, imatha kuwonjezera ndalama za eni ake.

Ndalama zina zimachita bwino kuposa zina zikafika pazogawana, ndiye ngati ndalama zogawika ndizofunikira kwa inu, ganizirani kusankha trust yomwe idaperekedwa kuti mutsimikizire kuti magawowo akulipidwa. Zowonadi, yakhala nthawi yovuta kwa anthu okhulupirira m'miyezi yaposachedwa, chifukwa makampani ena alibe chochita koma kuyimitsa kapena kuchepetsa malipiro awo. 

Zomwe zingakhudze thumba la ndalama

Zikafika pazobweza zanu, mudzafuna kuganizira za kusiyana pakati pa mtengo wa katundu wa trust trust, ndi mtengo wagawo. Izi zitha kupangitsa kusiyana kwakukulu pazobweza zanu, mwachitsanzo, zitha kuchedwetsa zomwe mungapindule ngati kuchotsera kungachuluke.

Mtengo wa ma sheya mu investment trust ukhozanso kusinthasintha, choncho nthawi zonse ganizirani za mtengo womwe mumalipira pa masheya. Zachidziwikire, nthawi zonse pamakhala ngozi yomwe mungabwezereko pang'ono kuposa momwe mumayembekezera poyamba. Apanso, ichi ndi chikhalidwe cha Investment Trust Arena. 

Ndikofunikira kufufuza ngati trust trust yomwe ikubwereketsa kuti mugule masheya ake, chifukwa izi zitha kukupatsirani kubweza bwino, ndikuwonjezera zoopsa.

Muli ndi ufulu wosintha malingaliro anu ndikugulitsa magawo omwe muli nawo, koma kumbukirani - kaya mukugula kapena kugulitsa, muyenera kugwiritsa ntchito wogulitsa masheya wachitatu kuti akuchitireni izi. Zonsezi, zikhulupiliro zogulitsa ndalama ndizoyenera kwa iwo omwe akufuna kuyika ndalama nthawi yayitali (monga lamulo la chala chachikulu, zaka 5 kapena kupitilira apo).

Kodi bungwe lodziyimira palokha la otsogolera ndi chiyani: ndipo ndi la chiyani?

Monga ma trust trust amayendetsedwa molingana ndi malamulo amakampani aku UK, ali ndi gulu lawo lodziyimira pawokha loyendetsa chiwonetserochi. Lowetsani gulu loyima palokha la oyang'anira. Anthu ena amaika ndalama mu trust trust chifukwa amakonda anthu omwe akuyendetsa, kaya ali ndi zaka zambiri zokhala ndi ndalama, kapena mbiri yakale yoyang'anira thumba lalikulu.

Ndiye kodi board of directors ndi chiyani ndipo amachita chiyani? Chabwino, izi nthawi zonse zimakhala ndi tcheyamani ndi wowerengera ndalama. Ena onse a komiti nthawi zambiri amakhala ndi magulu osiyanasiyana a otsogolera omwe ali ndi luso losiyana, onse akuwonetsetsa kuti manijala akugwira ntchito yomwe ikufunsidwa, ndi phindu lalikulu kwa omwe ali nawo.

Ngati pambuyo pofufuza, bungwe loyima palokha la oyang'anira likuwona ngati manejala sakuyang'anira zabwino za omwe ali ndi masheya, ndipo motero sakugwira ntchito yawo moyenera, ali ndi mphamvu zochotsera woyang'anira thumba pantchito zawo.

Bungweli limatha kusintha nthawi zambiri ntchito ya thumba, mwina pakapita nthawi yayitali osagwira bwino ntchito kapena mavuto ndi oyang'anira kampani.

Kodi mawu akuti 'Gearing' amatanthauza chiyani?

Gearing - yomwe imatchedwanso 'leverage' - ndi pamene trust trust imabwereka ndalama kuti ikayike kwina.

Izi zikhoza kukhala malo ogulitsa kwambiri poganizira ngati thumba la ndalama ndi mtundu woyenera wa thumba kwa inu, popeza malo osungira awa sangapezeke ndi ndalama zotseguka (monga ndalama zogwirizanitsa).

• Tiyerekeze kuti woyang'anira thumba akubwereka ndalama zokwana £10,000 kuti akhazikitse, zomwe manejala amazikweza ndi 10%.
• Izi zikutanthauza kuti atha kubwereka ndalama zokwana £10,000 poika patsogolo £1,000 yokha.
• Ichi ndi chifukwa cha giya. Bmonga poganiza kuti sipanakhalepo kusuntha kwa mtengo wagawo, zotsatira za izi ndikuti likulu tsopano ndilofunika £ 11,000.
• Padzakhala, ndithudi, chiwongoladzanja chikugwiritsidwa ntchito pa izi - monga ndalamazo zimabwerekedwa kuchokera kwa munthu wina.

Ngati mukufuna kuwerengera ndalama zogulira ndalama, muyenera kungowonjezera ngongole zomwe zatsala, ndikugawa chiŵerengerocho ndi masheya onse.

Chofunika kwambiri, chiŵerengero cha gearing cha 25% -50% chimakhulupirira kuti ndi chomveka, pokhapokha ngati, ngongole zambiri ndizofunikira kuti zigwire ntchito.

Kulipira trust trust

Ngati mumakonda kumveka kwa trust trust, muyenera kuganizira kuti ndi njira iti yolipirira yomwe ikukwaniritsa zosowa zanu. 

Izi zingaphatikizepo:

• Khadi la Debit/Ngongole: Njira yosavuta yopezera ndalama mubizinesi yanu yodalirika ndikugwiritsa ntchito kirediti kadi kapena kirediti kadi. Koposa zonse, malipiro anu adzalandiridwa nthawi yomweyo. 
• Ngongole Yachindunji: Zosinthika, zokha ndipo zimatha kulipira zonse zokhazikika kapena zosinthika. Mukakhazikitsa lamulo, mutha kukhazikitsa zolipira kamodzi kokha komanso zongoyembekezera. Othandizira chipani chachitatu amaphatikizanso zolipirira limodzi ndi njira yanu yolipirira, zonse pa intaneti. Chofunika kwambiri, njirayi ndi yabwino kuyika ndalama kumapeto kwa mwezi uliwonse. 
• Malipiro Osalekeza: OZomwe zimatchedwa kubweza makhadi, mumangololeza wamalonda kuti azilipira nthawi zonse. Malipiro awa amapitilira mpaka mutaletsa kuyika.
• Standing Order: Mabizinesi ena odalirika amathanso kuganizira za momwe zinthu ziliri. Nthawi zambiri zimachotsedwa tsiku lomwelo monga malipiro, nthawi zambiri simudzafunika kulipira. 

Kodi ndingadziwe bwanji ngati trust trust ndiye chisankho choyenera kwa ine?

Choyamba, zimalimbikitsidwa kwambiri kuti musamawononge ndalama zambiri kuposa momwe mwakonzekera kutaya. Kuphatikiza apo, musanalowe muyenera kuwona trust trust ngati dongosolo lanthawi yayitali. Ndiko kunena kuti, mumakhala ndi mwayi wabwino kwambiri wotuluka mumsika ngati mutasiya mbiri yanu osakhudzidwa kwazaka zingapo. 

Ngati simukumasuka kuyika pachiwopsezo ndi ndalama zomwe mudapeza movutikira kapena mukungofuna zopindula kwakanthawi kochepa, ndiye kuti mwayi ndi wakuti trust trust ndi. osati zanu.

The Best UK Investment Trusts

Ma trust trust amakulolani kuti mupange mbiri yamitundu yosiyanasiyana popanda kugwira ntchito molimbika. M'malo mwa omwe akugawana nawo, chidaliro chomwe mwasankha chidzagula ndikugulitsa ndalama zosakanikirana.

Mutha kupanga chisankho chomaliza kutengera msika womwe mukufuna, gawo, makampani, kapena kusinthanitsa.

Nthawi zonse ganizirani ngati ndalama zidzakuthandizani kapena ayi kukuthandizani kumanga mbiri yabwino yomwe mukuyembekeza kukwaniritsa, choncho ndi bwino kudzipangira zolinga zogulira. Muyenera kufufuza momwe kudalira kumasiyana.

Ndi zambiri zoti tiganizire, kotero kukuthandizani panjira tasankha 6

1. Worldwide Healthcare Trust PLC

Choyamba chokhazikitsidwa pakati pa zaka za m'ma 1990, Worldwide Healthcare trust ndi chidaliro chachikulu chazachuma ku Britain.

Ndi mbiri yayikulu yophimba chilichonse kuchokera kuukadaulo ndi zida zamankhwala, kupita kumakampani opanga mankhwala ndi ntchito zina zosiyanasiyana, chidaliro ichi chadziwika bwino ndi omwe akugulitsa ku UK m'zaka zaposachedwa.

Zambiri zofunika kuziganizira:

• Woyang'anira: Frostrow Capital LLP
• Mtundu: Kampani Yotsekedwa Yotsekedwa
• ISIN: GB0003385308
• Gawo: Katswiri Wagawo: Biotechnology & Healthcare
• Kukula kwa ndalama: £ 1.97 biliyoni
• Chiwerengero cha anthu: 3,455
• Kutalika: 98

Major Holdings mu trust akuphatikiza;

• Malingaliro a kampani Takeda Pharmaceutical Co., Ltd.
• Merck & Co Inc (4.70%)
• Alexion Pharmaceuticals Inc (4.43%).
• Boston Scientific Corp (4.29%)
• Novartis AG (4.10%).

2. Ngongole ya ku Scottish

Scottish Mortgage yakhalapo kwazaka zopitilira zana. Kukhazikitsidwa koyambirira kwa zaka za m'ma 1900, kampaniyo idagulitsidwa koyamba ngati Straits Mortgage and Trust Company.

Trust trust iyi ndi mbiri yoyendetsedwa bwino, yomwe ili ndi mabasiketi apadziko lonse lapansi amakampani omwe ali pansi pake. Mwa zikhulupiliro zazikulu zonse zaku UK zogulitsa ndalama pazachuma, Scottish Mortgage ndi yamtengo wapatali kuposa mapaundi mabiliyoni khumi.

Pafupifupi 25% yazinthuzo zitha kuyikidwa m'makampani omwe sangapezeke pamsika wapagulu. Ngati mutakhala ndi chidwi ndi masheya aukadaulo makamaka, Scottish Mortgage ikhoza kukhala chidaliro choyenera kwa inu. 

Zambiri zofunika kuziganizira:

• Woyang'anira: Baillie Gifford & Co Limited.
• Mtundu: Kampani Yotsekedwa Yotsekedwa
• ISIN: GB00BLDYK618
• Gawo: Padziko lonse lapansi
• Kukula kwa ndalama: £ 10.96 biliyoni
• Chiwerengero cha anthu: 728
• Zowonjezera: 108

Major Holdings mu trust ndi:

• Amazon.com Inc (9.28%)
• Tesla Inc (8.63%)
• Tencent Holdings Limited mbiri ya mtengo wamtengo wapatali
• Illumina Inc (6.17%)

 

3. City of London Trust

Inakhazikitsidwa kumapeto kwa zaka za m'ma 1800, Mzinda wa London ndi chidaliro china pa mndandanda wathu womwe ukuwoneka kuti wakhalapo kuyambira pachiyambi cha nthawi. Ndi kuti, iSipanakhalepo mpaka pakati pa zaka za m'ma 1960 pomwe trust idapanga chisankho choyang'ana pamasheya omwe amalipira magawo.

The City of London Investment Trust ili ndi ndalama zopitilira 100 mkati mwa mbiri yake. Kayendetsedwe kake kasamalidwe kake kumatanthauza kuti chiwongola dzanja cha madera ake ndi chochepa, makonda kutenga malo ang'onoang'ono kuchokera ku index, m'malo moyika masheya komanso magawo ankhanza.

Zambiri zoyambira:

• Woyang'anira: Janus Henderson Investors Ltd
• Mtundu: Kampani Yotsekedwa Yotsekedwa
• ISIN: GB0001990497
• Gawo: Ndalama za UK Equity
• Kukula kwa ndalama: £ 1.45 biliyoni
• Chiwerengero cha anthu: 349
• Kutalika: 109

Major Holdings mu trust ndi:

• Malingaliro a kampani HSBC Holdings PLC
• Malingaliro a kampani British American Tobacco PLC
• Gawo la Diageo PLC lero ndi 3.55 %.
• Malingaliro a kampani GlaxoSmithKline PLC
• BP PLC (3.19 peresenti)

4. Allianz Technology Trust

Kufupi ndi bwalo lamasewera lodziwika bwino kwambiri la Silicon Valley, Allianz Technology Trust imayang'aniridwa ndi AllianzeGI ndi Walter Price (wochita bizinesi waukadaulo wodziwa zambiri).

Zotsatira zake, chidaliro chandalama ichi chimayika chidwi kwambiri pakuyika ndalama pamagawo otengera luso laukadaulo. Pazaka zingapo zapitazi, dzimbiri lachulukitsa kuwirikiza kawiri ndalama za osunga ndalama.

Kukonda misika yatsopano, kapena kusintha akale, kupita patsogolo kwaukadaulo kukusintha magawo monga ogulitsa, kutsatsa, kupanga ndi chitetezo. Chikhulupilirochi chili ndi zinthu 70, ndi 90% kapena katundu wa kampaniyo ku US.

Zambiri zoyambira:

• Woyang'anira: Allianz Global Investors (UK) Ltd
• Mtundu: Kampani Yotsekedwa Yotsekedwa
• ISIN: GB0003390720
• Gawo: Technology & Media
• Kukula kwa ndalama: £830.76 miliyoni
• Chiwerengero cha anthu: 2,142
• Kutalika: 98

Major Holdings mu trust ndi:

• Microsoft Corp (5.31%)
• Amazon.com Inc (5.30%)
• Alphabet Inc A (4.22%)
• Apple Inc (4.00%)
• CrowdStrike Holdings Inc Kalasi A (3.51%)

5. Smithson Investment Trust

Fundsmith, kampani yoyang'anira ndalama ndi Terry Smith, idakhazikitsa Smithson mu 2018. Ngakhale chidaliro chatsopano, chachita bwino kuyambira pomwe chidakhazikitsidwa. Kuchita kwake kwa chaka chimodzi ndi 7.7% yathanzi,

Zowonjezera zomwe muyenera kuziganizira:

• Woyang'anira: Fundsmith LLP
• Mtundu: Kampani Yotsekedwa Yotsekedwa
• ISIN: GB00BGJWTR88
• Gawo: Makampani Ang'onoang'ono Padziko Lonse
• Kukula kwa ndalama: £ 1.78 biliyoni
• Chiwerengero cha anthu: 1,416
• Kutalika: 99

Major Holdings mu trust ndi:

• Rightmove PLC (5.18%).
• Malingaliro a kampani Verisk Analytics Inc (5.12%).
• Malingaliro a kampani Check Point Software Technologies Limited
• Masimo Corp (4.98%)
• Ansys Inc (4.52%)

6. Polar Capital Technology Trust

Kuyambira pakati pa zaka za m'ma 1990, Polar Capital Technology Trust yakhala ikukula mkati mwa malo okhulupirira ndalama, zomwe zimabweretsa zotsatira zabwino panjira.

Ndi katundu monga Microsoft (m'modzi mwa ochita bwino kwambiri pankhani ya masheya), Polar Capital Technology Trust imatenga mwayi pakusintha kwa digito komwe kukuchitika, makamaka pankhani yamakampani omwe akufunika kukonzanso kwathunthu mabizinesi awo akale.

• Woyang'anira: Polar Capital LLP
• Mtundu: Kampani Yotsekedwa Yotsekedwa
• ISIN: GB0004220025
• Gawo: Technology & Media
• Kukula kwa ndalama: £ 2.63 biliyoni
• Chiwerengero cha anthu: 1,912
• Kutalika: 98

Major Holdings mu trust ndi:

• Microsoft Corp (9.85%)
• Apple Inc (7.67%)
• Facebook Inc A (4.30%)
• Zilembo Inc Kalasi C (4.16%)
• Alphabet Inc A (4.12%)

Kutsiliza

Pofika pano, muyenera kumvetsetsa bwino za trust trust. Posankha kudalira ndalama zoyenera pazosowa zanu, pali zinthu zingapo zomwe muyenera kukumbukira.

Izi zimayang'ana pa kuthekera kwanu kopeza ndalama zochepa zogulira, komanso nthawi yomwe mwakonzekera kusunga ndalama zanu. M'pofunikanso kuti mumayang'ana zolipiritsa zonse ndi zolipiritsa zomwe zanenedwa ndi Investment trust.

Pamapeto pake, muyenera kudziwa nthawi zonse zoopsa zomwe zingachitike - popeza palibe chitsimikizo kuti mupanga ndalama. 

 

FAQ

Kodi trust trust ingandiwonongere chiyani?

Palibe yankho losavuta la funsoli. Ngakhale pali zolipiritsa ngati sitampu ndi ndalama zolipirira magwiridwe antchito, izi zimasiyana kuchokera ku trust to trust. Chifukwa chake, nthawi zonse fufuzani zomwe mukuchita komanso zolipiritsa komanso zolipiritsa pachaka zomwe mukuyembekezera.

Kodi ndiyenera kuyika ndalama mu thumba la ndalama?

Ma trust trust ali oyenera ngati mukufuna mbiri yayitali yamagulu osiyanasiyana azinthu pansi pa lamba wanu. Mudzakhala ndi mwayi wopeza ndalama zambiri ndipo woyang'anira thumba lanu adzayang'anira mbiri yanu.

Kodi mawu akuti gearing amatanthauza chiyani?

M'mawu osavuta, gearing ndi kubwereka. Mwa kuyankhula kwina, trust trust ikhoza kubwereka ndalama kuti iwononge ndalama zambiri zomwe zili nazo.