Ukujonga ngaphaya kweVGK kunye ne-IEV yokuPhuma kwiYurophu
Kule nqaku, siza kujonga ngaphandle kwebhokisi kwizicwangciso ezi-5 eziza kubakho abatyali-mali bamazwe ngamazwe bangasebenzisa xa betyala imali eYurophu.
Kutheni Kutyala imali?
I-ETF enkulu kunazo zonke ze-Yurophu inikezela abatyali-mali ukuba bavelele ngokubanzi kwiinkalo ezahlukeneyo kumazwe amaninzi ahlukeneyo. Ukuba ukhangele ukungena kwi-'Yurophu 'kwipotifoliyo, le mali ingaba yindlela elula yokufeza ezo njongo ngorhwebo olulodwa.
Ingxaki ngalezi zimali ezinkulu kukuba zixhomekeke kwiimali zentengiso . Ngamanye amagama, uthengisa ezininzi iinkampani ezinkulu kunye nezona zincinci kwiinkampani ezincinci. Oku kungabonakala ngathi kuyindlela enengqiqo ukuza iinkampani ziqala ukugqithisa. Ukuba utyalo-mali ngokusekelwe kwisayizi, uya kugcina ukufumana isisithi esithe xaxa nakwezinye iinkampani njengoko zigqithiseleyo - okuchasene nawe kufuneka uyenze.
Xa kuziwa kwiimali ze-pan-European, abatyali-mali bafumana ukugqithisa ngokweqile kumazwe amaninzi kunokugqithisa ngokulinganayo kuwo onke amazwe .
Ngokomzekelo, i-Vanguard FTSE Yurophu ETF (VGK), inamalungu engama-25 e-United Kingdom xa kuthelekiswa nama-5% kuphela eSpanish kunye ne-4 ekhulwini e-Italy. Inkxalabo echaphazela i-United Kingdom ngokukhethekileyo-njenge-Brexit-yoko, ingaba nefuthe elikhulu kwipotfoliyo nangona i-UK iyingxenye encinci yeYurophu.
Iimali ezininzi ze-Yurophu ziyakuphepha nokukhusela ukunyuka kwemali. EYurophu, apho iipounds, i- euro , i-kronas kunye ne-francs zonke iinguqu ezinxulumene ne-dollar yase-US, impembelelo yemali ingaba yingozi kakhulu. Le engozi yengozi ingaba yintloko yabatyalo-mali ukuba iinkampani zaseYurophu zithumela inzuzo enamandla kodwa i-euro okanye ezinye iirhafu ziyancipha kwi-dollar yase-US, oko kuthetha ukuba ukubuyiswa okupheleleyo kunokuncitshiswa.
Ezinye ze-ETF zokuTyala imali eYurophu
Iindaba ezilungileyo kukuba kukho ezininzi ze-ETF zeYurophu ezahlukileyo ezisebenzisa izicwangciso ngaphandle kweemali zentengo yemali. Ngokubanzi, le mali ibizwa ngokuthi 'i-smart beta' iimali njengoko zidibanisa izicwangciso zolawulo olusebenzayo kunye nokutsalwa kwetyala lokutyalomali. Abatyalomali banokufuna ukuqwalasela le mali kunye nezicwangciso ezahlukeneyo njengeminye yemali yemveli yemali-mali enesisindo esithatha ukutsala ingqalelo.
1. I-Hedge Against Risk Currency
Umngcipheko wemali unokuba nempembelelo enkulu kwiimbuyekezo zentengiso yehlabathi. Ngokomzekelo, ii-stocks zaseYurophu zinokufumana inqanaba lokukhula kweepesenti ezili-10 ngexesha lekota, kodwa i-euro yeepesenti yehlelwa kwi-euro kunye ne-dollar ngethuba lithetha ukuba abatyali-mali be-US baya kubona kuphela ama-5 ekhulwini kwi-10% athola emva kokuguqulwa idola.
Uninzi lwe-ETFs luye lwafuna ukuhlawulela le mngcipheko ekunikezeni abatyali-mali ithuba lokubonisa ukucoceka kwintsebenzo yenkampani.
Ubulumko Bomhlaba I-European Hedged Equity ETF (i-HEDJ) ngumzekelo omhle we-ETF yaseYurophu eyayibanjwe i-ETF enikezela ngabasetyali ithuba lokudlala. Ukusebenzisa i-derivatives, le ngxowa yakha nayiphi na into eyahlukileyo kwimisebenzi yeemali zangaphandle ukuze kulungiswe umphumo wokuguqulwa. Ukuphazamiseka kukuba abatyali-mali bangaphuthelwa kwiirhafu zokuguqulwa ezifanelekileyo kwaye banokungabikho kwamanani ahlukeneyo anikezelwa ukungabikho kwemali kwilizwe langaphandle.
2. Cinga nge-Smart-Beta Funds
Iimali ze-beta ze-Smart ziye zindlela eyaziwayo yokudibanisa izicwangciso zokwenza utyalo olusebenzayo kunye neendlela ezingabonakaliyo. Ekubeni loo migaqo ibonakala ingacacile, kukho amaqhinga ahlukeneyo ahlukeneyo asebenzayo kule mali. Kodwa ingcamango engundoqo kukuba kufike isicwangciso esingasisiseko sokwenza isisitye sokulinganisa kwisicatshulwa ngaphandle kweemali zentengiso.
Ezi zicwangciso zinokuqhutywa ngokusisiseko, ukuqhutyelwa ngezobuchwepheshe okanye ukudibanisa ezimbini.
I-First Trust ye-Europe I-AlphaDEX ETF (i-FEP) yikhwama ye-smart-beta yengxowa-mali egxininisa iYurophu esebenzisa ukubaluleka kwexabiso, ukukhula kwemali, inzuzo yempahla, ukuhamba kwemali, ukubuyela kwizinto kunye nezinye iimitha zamanani ukwenzela ukulinganisa isalathisi samasheya aseYurophu. Le ngxowa-mali ijolise ukugqithisa iifom eziqhelekileyo ngelixa zihamba ngokukhawuleza iinjongo zabatyalo-mali xa kuziwa kwiiphothifoliyo zabo, ezifana nokuphepha izitokisi ezingaphezu kwexabiso okanye ukuthenga amanani esitokethi.
3. Yongeza Umboniso weCapin Small
Uninzi lwabatyalomali banokubonakaliswa kwe-cap-small in their portfolios zabo zasekhaya, kodwa ii-caps ezincinane zamazwe ngamazwe aziqhelekanga. Kodwa ngokumangalisayo, iifowuni ezincinane zamazwe ngamazwe zinokwabelana ngeenzuzo ezifanayo njengabalingani babo basekhaya, njengentengo ekhulayo ngokukhawuleza kunye nemali. Amasheya amancinci aseYurophu nawo anikezela ngakumbi abathengi baseYurophu ngaphezu kweenkampani ezininzi zelizwe eziza kwenzeka ukuba zilawulwe eYurophu.
I-iShares iMSCI Europe-Small-Cap ETF (IEUS) ngumzekelo omhle we-fund yaseYurophu encinci ukuba abatyali-mali bangathanda ukucinga ukuba bangezelele kwi-class ye-asethi. Nangona i-fund isagxininiswe ngemali yeemarike (kunye neselingi) inikezela ngokubhekiselele kwiinkampani ezincinci kuneengxowa-mali zeemarike ezilinganiselwe ngaphandle kokungena. Le ngxowa-mali inokukunceda ekuphuculeni ulwahlulo olubalulekileyo ngenxa yokuba lithelekiswa kakhulu neemarike zehlabathi.
4. Cinga ngeNgxowa-mali egxininisiweyo
Abatyalomali basemhlala-phantsi okanye abatyali-mali abafuna iinkampani eziphezulu ziyakudityaniswa kwiimpahla ezihlawulelwayo . Ngelixa iinkampani ezininzi zaseMerika zihlawula isahlulo esifanayo nganye kwikota, iinkampani zaseYurophu zihlala zihlawula ipesenteji zazo zentlawulo kabini ngonyaka. Oku kuthetha ukuba abatyali-mali banokubona isahlulo sabo sinyuka ngokuzenzekelayo njengoko inzuzo yenkampani inyuka-nangona ingahle iyancipha xa inzuzo iyancipha.
I-First Trust I-STOXX YaseYurophu Ekhethiweyo ye-ETF (FDD) inikezela ukunikezelwa kwamanani aseYurophu enezivuno eziphezulu. Nangona i-fund ingabamba ngokukodwa iinkampani ezinkulu, njengokuba kunjalo nangemali yeemarike ezixininisa imali, iimbopheleleko zixhaswa ngokuhlawula igalelo kunokuba ubukhulu. Ukususela ngo-Apreli 2017, i-fund ihlawula i-intente isivakaliso sesahlulo se-4 esiqhathaniswa ne-3% kwiVanguard FTSE Europe ETF (VGK).
5. Ukunciphisa ukunyanzeliswa kweeNkcazo eziNcinci
IYurophu ibe yindawo ebungozi yehlabathi xa kufikelele ekutyala imali ngamazwe ngamazwe kunye ne- Brexit kunye nokunyuka kwama-euro. Ngenxa yoko, abatyali-mali abaninzi banokufuna ukunciphisa ukuvezwa kwabo kwiimpahla ezivame ukufumana ukuguquka kwezilwanyana zasendle. Ngethamsanqa, imali ephantsi yokunyaniseka-okanye i- low vol vol funds- igxininise kwiimpahla ezibonisa ukungabi nantoni. Ukutshala imali kule mali kungabancedisa ukubuyisela ukubuyisela kwaye kutyalo-mali kakhulu.
I-iShares MSCI i-Europe Minimum Volatility ETF (i-EUMV) iisisitya zeesisindo ezincike ekuhambeni kwabo kwintsebenzo ngenkathi zinika i-stock-volatility stocks ipesenti enkulu. Ukususela ngo-Apreli 2017, i-Vanguard FTSE Yurophu ETF (VGK) ine-beta coefficient ye-1,21 pesenti-iphakamisa ukuba i-21 ekhulwini ibe yinto engathandekiyo kune-S & P 500. I-EUMV inika imali kumacandelo amaninzi athathekayo njengamaxabiso okuthengisela abathengi kunye nezibonelelo zokubonelela ngokungahambisani kuneVGK.
Ngaphantsi
Uninzi lwabatyalomali bajonge kwiinkalo ezinkulu kunye neengxowa-mali ezithengiselana ngee-liquid (ETFs) xa zenza utyalo-mali lwamazwe ngamazwe. Kodwa, ukwenjenjalo kungabangela ukuba i-pigeon-ibangele ukuba bathengise kuphela iinkampani ezinkulu ezinkulu zelizwe ngaphandle kokungabikho kwenyaniso kweYurophu. Izicwangciso ezinhlanu ezikhankanywe kweli nqaku zinokukunceda ukwandisa i-horizons yakho kwaye utyalomali kwimidlalo ehlambulukileyo eyenzela ukukhanya okukhulu, ukungafani kangcono, mhlawumbi kunye nokubuyisela okulungele ukulungiswa kwengozi.