Ingozi, Imivuzo, kunye neNzuzo yeRhafu ye-ETF kunye neeShishini
Enkulu Ifoto
Ukutshintshwa kweemali ukuthengiswa kwemali kunomntu othile owaziwa ngokugqithiseleyo kwiindawo ezithile. Abahlali bebanomdla kakhulu. Ukubuyisa kudla ukuba kuluhlu oluphakathi.
Kodwa oko kubenza ba khuseleke ... okanye bavikeleke ngaphezu kweempahla ezininzi. Amasheya anakho kwaye ahlala ebonisa ukunyanzelisa.
Ii-aples kunye nee-orangesi ziziqhamo zombini kunye neendlela zazo ezikhethekileyo kwaye zibhenela kwizinto ezahlukeneyo. Kuyafana nakwamasheya kunye nee-ETF. Ukunyamezela kwakho umngcipheko kunokuba luncedo olukhulu ekunqumeni ukuba yintoni enokuthi ilungele kangcono kuwe, njengokuba unakho omnye umntu oyingqayizivele. Ukulinganisa izinto ozikhethayo malunga nale miba ukuze ufumane ingcamango engcono yindlela ofuna ukuyithemba ngayo.
Yaye khumbula, lo mzekeliso ucinga ukuba ubeka iphothifoliyo yazo zonke ii-ETF okanye zonke izitokisi xa wonke umntu uyazi ukuba ukungafani kukumkani. Ukuba usenokufumana ucingo, qwalasela umxube wotyalo-mali. Le nto inokuba yindlela ekhuselekileyo yokukhusela konke ukhuseleko lwakho.
Ukunyuka kweNtengiso
- Amasheya: Ngaphandle kwezinye izinto, amasheya alula kakhulu ukuthenga nokuthengisa. Ungabiza umthengisi wakho okanye ungene kwi-akhawunti yakho ye-intanethi uze wenze urhwebo. Uyenziwe, njengaye.
- I-ETF: Iimali zokuthengisa ezithengiswayo zilula nje ukuthenga, kodwa ngokungafani nesalathisi , yinto enye yokuthengiselana.
Le yile ityayi ekude ikhethwayo xa ucinga ngokungena kwimakethi yempahla okanye kwi-market ye-ETF. Ingaba ixesha lakho lixabisekileyo kwi-nanosecond? Ukuba kunjalo, ii-ETF zingaba nomda omncinci.
Iindleko zoThutho
- Amasheya: Ii-commissions zakho zisekelwe kwintengiso nganye.
- ETFS: Ii-commissions zakho zisekelwe kwintengiso nganye.
Uyabona apho le nto ihamba khona. Iindleko zokuthengiselana ze-ETF zingaphantsi kweendleko kunye neemali ezihlangeneyo, kodwa zihlamba xa uziqhathanisa nazo zamasitokethi. Iindleko zihamba ngorhwebo lwexabiso kunye neefesi zombini kunye ne-ETF. Le yinyani i-tie. Akukho mqoqo.
Izinto zobungozi
- Amasheya: Amanye athile kakhulu kwaye amanye awakhona.
- I-ETFs: Kwakhona, i-ETF ixhamla ibhodi, kodwa ii-ETF ezincinci ziyile.
Umgca osemgangathweni kufuneka unikezwe kwiisitokisi kweli candelo ukuba ukhetha ukuthengiswa kwempahla.
Mngcipheko kunye nemivuzo
- Amasheya: Amasheya ngabanye angaba ne-betas eyahlukeneyo yengozi.
- I-ETF: I-ETF yingozi kakhulu ngenxa yokuba i-portfolio yamancinci kwaye ngoko ke yindlela eyahlukeneyo, kodwa ixhomekeke ngokupheleleyo kwi-ETF yangempela.
Khumbula, ngaphandle komngcipheko ungena ithuba elingaphantsi lomvuzo. Konke kuya kuhlaselo lwakho lomngcipheko. Sifanele sibize lo mnye ityhu kuba iimeko ngamatyala kulowo nalowo mali.
Impembelelo yeRhafu
- Amasheya: Ukuba ungumthengisi osebenzayo kwiisitokisi ezininzi, unokwenza ingxabano yokuba i-ETF ethwele ezo zifuba ezifanayo inika inzuzo yerhafu.
- I-ETF: Enye yeenzuzo zeerhafu ze-ETF kukuba ziphathwe njengentengo yokuthengiswa kweerhafu, ngokungafani neemali kunye neemali.
Ngenxa yokuba zombini ii-ETF kunye nezitokethi zithengiselwano olulodwa, irhafu yentlawulo ingenzeka xa i-fund okanye ukulingana kuthengiswa. Inzuzo iya kwi-ETF kule nto.
Khetha
- Amasheya: zombini ii-ETF kunye nezitokhethi zokukhetha uluhlu, kodwa kukho ezinye iifowuni kwaye ibeka amanani kwi-ETFs.
- Ii-ETFs: Iimali zokuthengisa ezithengiswayo zivame ukuba zilinganiselwe ngaphezu kwee-stocks kwi-volume volume.
Iindlela zokuthengisa abahlala bejonga indlela abangasebenzisa ngayo iziphumo ezicwangcisiweyo kwiinkqubo zabo zokurhweba , ngokukodwa ekujoliswe kuyo, ngoko ke amasheya anenzuzo kulo mzekelo.
Ukufikelela kwiCandelo okanye iMarike
- Amasheya: Ukuba ufuna ukufikelela kwi-shishini, ukuthengwa kwesitoko esisodwa akuyona indlela engcono yokuhamba. Ukuthenga izitokisi ezininzi ezininzi isicwangciso esilungileyo. Kodwa uthengephi iitoksi? Zingaphi? Ngaba ufanele uthenge i-index index?
- I-ETFs: Unokuthi uthenge nje i-asset yangaphambili ephawulwe ngumbutho onika ufikelelo olukhawuleza kwicandelo, yithetha njengentengiso ye-ETF.
Ukuba iinjongo-okanye, ngokuqinisekileyo, enye yeenjongo zakho-kukufikelela kumakethi athile okanye kwicandelo elithile, inzuzo iya kwi-ETFs.
Iimali zemivuzo
- Amasheya: Unokwenza imithombo yeefayile zeepotelifoli kunye neentengiso zeentlawulo, nangona kungabikho kwizibophelelo kuba ziyimpahla ehlukile.
- I-ETFs: Ngeemali ezibophelelweyo kunye ne-ETF zezahlulelo, unokwenza imifudlana yemali yeepoteliyo.
I-ETF ifumana ukuphumelela kwe-2-1 kule meko. Inzuzo: ETF.
Kwaye uMninimzi u ...
Ngoko yiphi i-asethi engcono? Kuyaxhomekeka.
Yonke inketho yotyalo-mali kufuneka yenziwe kwimeko yimeko, kodwa yonke i-ETF yinto yokunika abatyalo-mali-mini-portfoliyo ezithengisa njengezifuyo. Kukho ukufana okuninzi phakathi kweengxowa-mali ezichitshintshiselwano kunye namashishini kwesi sizathu-ngaphezulu kunokuba xa uthelekisa ii-ETF ukuya kwiimali okanye kwiimali ezixhasanayo.
Hlalani nikhumbule, ukuba, oku kuthelekiswa ngasentla kusekelwe kwisitokisi ngasinye kwi-ETF. Umdlalo wonke unokutshintsha ukuba uqwalasela iphothifoliyo yesiko lesitokisi ngokubhekiselele kwi-ETF. IiKomishoni zihluke, iinguqulelo zerhafu ziguquka, kwaye phantse zonke iifomati zichaphazelekayo. Kodwa ke ingxoxo yosuku oluhlukile.