Iimali zoMbutho kunye nee-ETF, umvuzo wemfazwe. Yiyiphi imali engcono yokutshala imali? Ayikho impendulo ecacileyo, kodwa ukuqonda iingozi kunye neenzuzo zeefayili nganye kuya kukuvumela ukuba ukhethe utyalo-mali ogqwesileyo ohambelana nesicwangciso sakho. Nazi izizathu ezihlanu zokuqwalasela ukuthenga okanye ukuthengisa i-fund-exchangeed fund kwingxowamali . Qaphela, nangona kunjalo. Nangona kukho ezinye iingenelo zokutyalomali kwingxowa-mali yokuthengiselana kwenkxaso-mali, kukho, kunjalo, ezinye iingxaki.
01 IiNzuzo zeRhafu ze-ETF
Inzuzo enkulu kunazo zonke i-ETF inengxowa-mali yokubambisana yerhafu . Ngenxa yokwakhiwa kwawo, ii-ETF zifumana irhafu yerhafu xa i-fund idayiswa. Kwimali ehlanganyelweyo, iintlawulo zentlawulo zentlawulo zenzeke njengoko izabelo ngaphakathi kwesikhwama zidayiswa ngexesha lobomi botyalo-mali. Ngoko ke ngo-Apreli, oku kunokukunceda ukugcina ibhilikhi yakho yerhafu iphantsi, ngokukodwa yakho kwicala lenzuzo yeP & L yakho. 02 Ukulula kwee-ETF
Xa uthengisa okanye uthengisa i-ETF , kwenziwa ngexabiso elilodwa kunye nokuthengwa okulula. Uhlala uhweba ngaphandle kokuvula okanye ukuvala isikhundla. Ngokuxhaswa ngemali, izabelo kwi-asethi zihlala zithengiswa ukuba zitshintshe intengo ekujoliswe kuyo kwaye zifune ukusebenza okufunwayo. Amashishini amaninzi, amanani amaninzi, angakhokelela kwimirhumo emininzi kunye neekomishoni. 03 Ukusebenza kweendleko ze-ETFs
Njengoko kubekho utyalo-mali olulula, ii-ETF nazo zindleko eziphezulu kuneemali ezihlangeneyo. Ngenxa yokuba izabelo kwi-fund efanayo zithengiswa ngokuthe ngqo kwaye i-fund ngokwayo ilawulwa ngokunyanisekileyo , ngamanye amaxesha ihlawula imali enkulu yokulawula. Abaphathi beFund kufuneka bahlawule ixesha labo emva kokuba bonke. Nge-ETF, yinto elula yokuthengiselana. Njengoko kuthengwa isitokisi. Oku kunciphisa iifizi kunye neekomishoni. Kuya kubakho iipomishoni ezininzi ezinxulumene ne-fund fund ngenxa yomsebenzi wayo kunye nomthamo, kwaye oko kungongeza kwi-bill yakho yonke. 04 Utyalo-mali lokuThutyana kwe-ETFs
Xa kukho ii-ETF ezininzi ezininzi zikhutshwa imihla ngemihla, abatyali-mali banokukhetha ngaphezulu ukujolisa isicwangciso esithile sokurhweba . Iimpahla ze-ETF , ii-ETF ze- style, ii-ETF zelizwe , kunye ne- ETF . Kukho iintlobo ezininzi ze-ETF kubalimi-mali, ukulandelela ukusebenza kwesahluko esithile okanye ukufezekisa injongo ethile yemali kunokuba kufumaneke ngakumbi kunokuba kukho imali. Kwaye indlela izinto ezihamba ngayo ngeendlela ezintsha ze-ETF, ziza kuba neyona ndlela eninzi ngakumbi kwixesha elizayo. 05 Ukuguqulwa kwee-ETF
Naliphi na iphothifoliyo ephethweyo ishintshela kwi-firm firm ehlukeneyo, iingxaki zingabonakala ngeemali ezihlangeneyo. Ngamanye amaxesha izikhundla zemali kufuneka zivaliwe ngaphambi kokutshintshwa. Oku kungaba yintloko yentloko kubalimi-mali, ukunyanzeliswa ukwenza imisebenzi engafunekiyo okanye engafanelekanga. Ukutshatyalaliswa kweengxowa-mali eziphathekayo kungakhuphula ingozi, ukwandisa ama-commissions kunye nemirhumo, kwaye kufumane irhafu yentlawulo yokuqala. Nge-ETF, ukudluliselwa kucocekile kwaye kulula xa ushintsha amafemu otyalo-mali. Zithathwa njengotyalo-mali oluphathekayo, oluhle luncedo.
Ngoko, Ngubani Owunayo iMfazwe?
Ngaba ii-ETF zibhetele ngaphezu kweemali? Akukho mpendulo ehleliweyo kuloo mbuzo kuba ezininzi izinto zibandakanyeka. Nangona kunjalo, ukuba ujongene ne-ETF kunye neengxowa-mali zengxowa-mali, qwa lasela ukungalunganga kweemali kunye kunye neenzuzo ze-ETF ezizisa etafileni. Kwaye njengoko kunjalo nayiphi na imali-mali, i-stock stock, i-collective fund, i-ETF, i-Index okanye enye into, nceda qinisekisa ukuba uphando ngokuphandle nayiphi na ingxowa-mali yokuthengiselana okanye nayiphi na imali ye-asethi ngaphambi kokuba wenze nayiphi na imisebenzi (ixesha elide okanye elifutshane). Ukuqhuba ngokunyamekela kwakho, jonga indlela iimali ezithatyathwa ngayo kwiimeko ezahlukeneyo zemarike, jonga ngaphantsi kwebhodi uze ubone oko kusemali. Yaye ukuba unemibuzo okanye ixhalaba, qiniseka ukuba udibana nomthengisi-mthengisi, umcebisi wezezimali okanye omnye uchwepheshe wezezimali. Ngexesha ii-ETF zineenzuzo ezininzi, zininzi ezingonakalisayo ngokunjalo (njengoko kunjalo nayiphi na imali-mali). Ngoko kubaluleke kakhulu ukuqonda isithuthi sotyalo-mali phambi kokuba uthengise. Kodwa xa ufumane ukuqonda okupheleleyo kwezi ETFs, unokucinga ngokukongeza okanye zombini kwipotfoliyo yakho. Yaye inhlanhla nayo yonke imisebenzi yakho!