Uluhlu lwee-ETF eziphezulu ezihlawula izilungelo
Unako ukutyalombela kwi-ETF ezintle kwizinto zokutshala imali kodwa ukuba azinako ukulungelelanisa iimfuno zakho zotyalo-mali, okanye ukuba ezi ntlobo zeengxowa azifanelekanga ukunyamezela kwakho, unokwenza impazamo enokuthi ikhokelela ekubuyiselweni okubi .
Kuyakwazi ukuqonda ngokucacileyo ukuba i-ETF isebenze njani kwaye iipteti zotyalo-mali zilungele ukutyalomali nge-ETFs.
Ngoko phambi kokuba ufikelele kwiluhlu lwamaxabiso e-ETFs alungileyo, qalisa ngezona zinto ziseko zezithuthi ezithandwayo ukuqinisekisa ukuba zikhethileyo ngokuzikhethela kwakho kunye neemfuno zakho zokutyalomali.
Ngaphambi kokuba Utyalole kwi-ETF
Nangona ungumfama-mali we-ETF, kulungile ukuba ubuye ubuyekelele izinto ezisiseko zeendlela ze-ETF kunye nendlela yokuzisebenzisa ngayo.
Nazi izinto ezibalulekileyo zokwazi nge-ETF ngaphambi kokuba utyalomle:
- I-ETF isingqamaniso esimele i-fund-exchangeed fund. Ziyakwazi nje zichazwe njenge-hybrid ye-stocks kunye neemali ezihlangeneyo.
- Ii-ETFs zorhwebo ngeentsuku ezifana nezitokisi; Iimali zentengiso yeemali ekupheleni komhla, xa ixabiso lexabiso lexabiso lexabiso (NAV) ye-holdings ebekwe phantsi liyakunikwa.
- Njengemali yokubambisana, abanini-nxaxheba be-ETF abazenzi ngqo i-asethi ye-fund; banezabelo zeengxowa-mali ngokwabo, ezithengeza izabelo zexabiso eliphantsi.
- Njengemali yenkcazo, ii-ETF zilawulwa ngokukhawuleza kwaye zilandele inkcazo yokubonisa. Oku kuthetha ukuba ii-ETF zinomvuzo ophantsi xa kuthelekiswa neengxowa-mali ezilawulwa ngokuzimeleyo.
- Ii-ETFs ziba neentlawulo eziphantsi kweendleko xa kuthelekiswa nakwi-index yexabiso eliphantsi kakhulu.
- I-ETF ayinayo imali encinci yexabiso lokutsalwa kwezimali, kodwa imali yokuxhaswa ngokubanzi idinga ukutyalomali kokuqala kwe-$ 1,000 okanye ngaphezulu.
Ukufingqa ezi ngongoma, i-ETF isebenza njengengqapheli yeemali ezidibeneyo kodwa zihlala zineendleko eziphantsi, ezinokuthi zandise ibuyiselo zexesha elide, kwaye kulula ukuyithenga.
I-ETF yentlawulo kunye neentlobo ze-Akhawunti ezilungileyo zokuthenga nokugcina ii-ETF ezihlukileyo
Enye yeenzuzo ezinkulu ze-ETF ziza ngenxa yerhafu ephantsi, njengoko kuchazwe kwiingongoma zebhola. Intlawulo ephantsi ithetha ukuba kukho ukuthengwa okuncinci kunye nokuthengiswa kwezinto ezincinci ngexesha lophi na unyaka onikeziweyo. Kwaye xa i-fund inexabiso elincinane, irhafu iyancipha ngenxa yokuba ukuthengiswa kohlobo oluthile lwama-holdings asezantsi kubhekiselele kwixabiso elincinci elidluliselwa kwi-ETF.
Oku kwenza ii-ETF zenze ama-smart holdings kuma- akhawunti atyala . Kodwa abatyali-mali abafuna igalelo elifanelekileyo kwi-ETFs kufuneka baqaphele iirhafu ezingenziwa kwizabelo .
Kubalulekile ukuba uqaphele ukuba abaphathi be-ETF banokuhlawulwa kwiingxowa-mali zeengxowa-mali, nangona ukuba le mpahla ifunyenwe ngemali okanye ibuyiswe kwizabelo ezongezelelweyo ze-fund. Kwakhona, kwii-akhawunti ezithile ezihlawulwe irhafu kunye neentlawulo ezixhamliweyo zerhafu, njenge-IRA, 401 (k) okanye i-annuity, izahlulelo azihlawuliswa kutyalomali ngelixa zigcinwe kwi-akhawunti. Endaweni yoko, utyalomali uza kuhlawula irhafu yengeniso ngokurhoxiswa ngonyaka kunyaka ohlawulwayo ukuhanjiswa (ukuhoxiswa) kwenziwa.
Ngoko ke abatshali-mali be-ETF abathengayo kwaye babambe isabelo se-ETFs bafuna ukucinga ngokubamba kwi-akhawunti ehlawulwe irhafu njenge-IRA yendabuko okanye i-Roth IRA.
Uludwe lwee-ETF eziMahlukileyo
Nanini na xa ubona naluphi na uluhlu "oluhle kakhulu", kubalulekile ukwazi ukuba ezi zintlu zinokuzimela phantsi, oku kuthetha ukuba okulungileyo kumntu omnye, njengomlobi wololuhlu, akunakho ukulungela omnye umntu.
Kuloluhlu lwee-ETF ezilungileyo, siquka imali kunye neenjongo zeenjongo kunye nezitayela. Ngamazwi ahlukeneyo, ezi zi-ETF azikho ezo zihlawulela igalelo eziphezulu. Ngokomzekelo, isikhwama sokuhlawulela isivuno esiphezulu sinokuthi sibe nesivuno esiphezulu kwizahlulo kunengxowa-mali yokwahlula ukwahlula, okwenza ukuba i-stock-stock dividends ibe neerhafu ezikhulayo.
Ngaloo nto yathi, kwaye akukho myalelo othile, nantsi i-10 ye-ETFs eyona nto ixabisekileyo yokuthenga:
I-Vanguard High Dividend Yield (VYM):
Le ngxowa-mali ye-ETF esuka kwiVanguard ithatha i-FTSE High Dividend Yield Index, emele ngaphezu kwe-420 iimpahla ezivelisa izivuno eziphezulu. Isivuno samanje se-VYM singama-3.10 ekhulwini kunye nomlinganiselo weendleko ngumlinganiselo we-0.08 we-rock-down, okanye i-$ 8 kuzo zonke i-$ 10,000 ezityalomali.
2. I-Vanguard ukwahlukanisa ukwahlula (VIG):
Abatyalomali abakhangela ukubamba ibhasikidi yamasheya ezinkampani ezineenkcukacha zokukhulisa izahlulelo zabo ziyakucinga ukuthenga i-ETF njengeNgxowa-mali ye-Dividend Appreciation Fund. Le ETF ilandelela i-NASDAQ US Dividend Achievers Khetha Index (eyayibizwa ngokuba yi-Dividend Achievers Select Index), equka malunga ne-180 share stocks. Isivuno samanje se-VIG singama-1,92 ekhulwini kunye nomlinganiselo weendleko ngu-0.09 ekhulwini.
3. iShares Khetha i-Dividend Index (DVY):
Le ntlawulo ye-ETF esuka kwi-BlackRock ilandelela isalathisi sama-stocks angama-100 anengxelo yokuhlawula igalelo kwiminyaka emi-5 edluleyo. Isivuno samanje siphezulu kuma 3.13 ekhulwini kunye neendleko zi-0.39 ekhulwini.
4. iShares Core High Dividend (HDV):
Abatyalomali bafuna i-ETF ehlukileyo ekwazisa ukufikelela kuma-stocks ahlawula i-dividend e-US, ngokutsho kwenkampani yomzali we-BlackRock, "ihlolwe ngempilo yezemali," kufuneka iqwalasele i-HDV. Isivuno samanje singama-3.35 ekhulwini kunye nomlinganiselo weendleko yi-0.08 ephantsi.
5. Inzuzo ye-Guggenheim ye-Asset Multi-Asset (CVY):
Abatyalomali abangenakucinga ukuhlawula iindleko eziphezulu ukuba bafumane izivuno eziphakamileyo banokuthanda izinto abazibonayo kule ETF. I-fund ilandelela i-Zacks Multi-Asset Index, equkethe amaqokelelo angama-100 eenkampani ezihlawula imali. Ulwabiwo lweefa malunga neyesithathu kwiimpahla ze-US kunye ntsalela ekuxubeni izitokhwe zangaphandle kunye nezibophelelo. Isivuno samanje se-CVY singama-4.73 ekhulwini kunye nomlinganiselo weendleko ngu-0.84 pesenti.
6. I-PowerShares KBW ephezulu Izabelo eziKhuselekileyo zePortfolio (KBWD):
Le ntlawulo ye-ETF evela kwi-PowerShares ifezekisa isivuno sayo esiphezulu ngokugxila kwipotfoliyo kwiimpahla zeenkampani kwicandelo lezezimali. Umlinganiselo wendleko uphezulu kakhulu kwi-2.99 pesenti kodwa isivuno sangoku se-9.60 pesenti siphezulu kakhulu. I-KBWD ilandelela iNkcazo ye-KBW Nasdaq yeCandelo lezeMali yokuHlahlula i-Dividend Yi-Yield, equkethe ubuninzi bama-40, ubuninzi bezinto ezincinci ezikwinqanaba lezemali. Isalathisi, ngokwe-PowerShares, "yinkcazo ehlawulelwe isivuno-mali esicwangcisiweyo esifuna ukubonisa ukusebenza kwezo nkampani."
7. I-ALPS Icandelo lokuLawulwa kweNjaba (i-SDOG):
Abatyalomali abafuna ukufumana izabelo ezivela kwiintengiso ze " Dogs of the Dow " banokucinga ngokufaka i-SDOG kwiipotifoliyo zabo. I-SDOG ithatha i-Index ye-S-Network ye-Dividend Dogs Index, eqala ngekholeji ye-S & P 500, ngoko ikhutshwe kumgangatho wecandelo ukwenza umxube ohlukeneyo wee-stockend stocks. Isivuno samanje se-SDOG singama-3.59 ekhulwini kunye nexabiso leendleko li-0.40 ekhulwini.
8. I-SPDR S & P Dividend (SDY):
Enye yee-ETF ezincinci ukufumana ukulinganisa kweenkwenkwezi ezi-5 ukusuka kwi-Morningstar , le ntlawulo ye-ETF iphakathi kweemali ezifanelekileyo kunye neentlawulo ezifanelekileyo ezibandakanya ukhetho olubanzi lwee-stockend stocks. I-SDY ilandelela i-S & P ephezulu yokuThengisa i-Awardcrats Index, okukhethwa yi-100 dividend stocks. Isivuno samanje se-SDY singama-2.27 ekhulwini kunye nomlinganiselo weendleko ngu-0.35 pesenti.
9. I-WisdomTree i-SmallCap Dividend Fund (DES):
Ngamanye amaxesha kunengqiqo yokwehluka kweefayile ze-ETF kunye ne-ETF kwaye udibanise i-ETF eninzi ye-cap-dividend kwi-mix kunye ne-DES yenye ye-ETF efanelekileyo ukufeza le njongo. I-DES ithatha i-WisdomTree ye-SmallCap Dividend Index, leyo ngokutsho kwe-WisdomTree, isalathisi "esineenkampani eziqulunqa phantsi kweepesenti ezingama-25 zemali yeemarike ze-WisdomTree Dividend Index emva kweenkampani ezikhulu ezingama-300 zisusiwe." Isivuno samanje se-DES singama-3.35 ekhulwini kunye nomlinganiselo weendleko ngu-0.38 ekhulwini.
10. Schwab US Equity Dividend (SCHD):
Abatyalomali bafuna ukunyuka kweendleko eziphantsi kwiimpahla ezihlawulela phezulu kwi-US baya kufuna ukukhangela kwi-SCHD. Ingxowa ilandelela i-Index ye-Dow Jones US Dividend 100, ebandakanya ezinye zeempahla eziphezulu ezizahlula i-dividend e-US Isivuno samanje singama-2.95 ekhulwini kunye nexabiso lexabiso lixabiso elingu-0.07.
Ngoku unayo - i-10F eyona nto isabelo se-ETF evela kwizinto ezikhethiweyo zokukhetha. Khawukhumbule ukuba into ebalulekileyo yokukhetha ii-ETF ezifanelekileyo kwiinjongo zakho zokutyalomali kukuba ukhethe izithuthi ezityebileyo ezihamba ngokuhambelana nexesha lakho kunye nokunyamezela.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.