Igolide elimnyama, iTay Texas. Uyazi le ngoma kwaye unqwenela ukuba yi-tycoon yeoli, okanye ubuncinci ubandakanye utyalo-mali njengenxalenye yesicwangciso sakho sokuthengisa . Nangona kunjalo, ukugcinwa kwimizila yeoli kwigalaji yakho akuyona indlela efanelekileyo yokuzinzisa iphothifoliyo yakho kodwa ingozi yomlilo ngokunjalo. Kukho enye indlela yokutshala imali kwioli ngaphandle kokuba yikhululo segesi. Kodwa okokuqala, ngaphambi kokuba sifunde iindlela ezithile zokutshala imali kwioli, sinokufuna ukufunda nge-ETF yeoli.
Ii-ETF zeoli
Faka ii-ETF zeOyile . Imali ye- oil exchange-exchange-finance yindlela elula yokubonisa isicwangciso sakho sokutyalomali kwintengo kunye nokusebenza kweoli, ngaphandle kokwenene nayiphi na ioli. Ii-ETF ze-oyile ziquka iifowuni zeenkampani zeoli okanye iikamva kunye nezivumelwano ezinokufumana ukulandelela intlawulo yeoli, okanye kwezinye iimeko ezinxulumene neoli.
Ngokomzekelo, enye ye-ETF eyona ethandwa kakhulu yi-USO, i-United States ye-ETF yeoli. Kwimeko ye-ETF yeoli, le ngxowa-mali inexesha elizayo, iinketho kunye nezivumelwano ezihamba phambili zeoli, i-gase, kunye nepetroleum-based fuel. Ngoko unobungozi kwindleko yeoli, kodwa awunayo i-oli engqambileyo engxenyeni yakho.
Kutheni ufuna ukuthenga i-ETF yamafutha
Enye into enhle malunga ne-ETF yeoli ilula ukurhweba. Ukuba ufuna ukutshala imali kwishishini leoli, kufuneka ubenye ngabanye abathengi beefowuni.
Kwaye ke kukho isigqibo sokuba iinkampani zikhethile. Kwaye nangona unqume ukutshala imali kwi-index ye-oli efana ne-OSX, kusekho umngeni wokuthenga onke amanani kwi-basket index ukwenzela ukujolisa kwixabiso elithile. Iingxaki kunye neekomishini kwenza kube nzima ukufeza injongo yakho yokutyalo.
Nangona kunjalo, kwimeko ye-ETF yeoli, efana ne-OIH (elandela i-Index ye-OSX), wenza ithamo enye ngentengo enye kwaye ulondoloze kwiikomishoni. I-ETF yeoli ivele isetyenziswe ngaphambi kwexesha. Ngorhwebo omnye, unokungena kwangoko kwixabiso leoli.
IiNzuzo zee-ETF zeoli
Xa uqwalasela i-ETF yeoli kunye nepottoliyo yakho, ukukhanga kakhulu kukubaluleka kwakha umtyalo-mali. Iintlawulo zentengo ezuzisayo ayiqhutywanga kuze kube yilapho kuthengiswa kwe-fund, ukunika ii-ETF iinzuzo ezinkulu zerhafu ngaphezu kwezinye iingxowa- mali ezifana neengxowa-mali .
Kukho inzuzo eyongeziweyo yokuba ne-trade elula kunye neephantsi ezongezelelweyo phakathi kwezinye iindleko ze-ETF . Akunjalo ukuba akukho mingeni xa kuthengiswa ii-ETFs , kodwa ukuba uyaqonda indlela asebenza ngayo, ii-ETF zingongeza ukongeza kwiphothifoliyo yakho.
Amacandelo okuThengisa i-ETF yamafutha
Ukuba ukhangele ukuzinzisa utyalo-mali kwi-portfoliyo yakho, ngentengiso enye unokuthengisa i-ETF yeoli kunye nokunciphisa umngcipheko weoli ophantsi. Ungasebenzisa kwakhona ii-ETF zeoli kunye nokwehliswa komngcipheko wezolimo kunye noshishino lwangaphandle . Ukuba uninzi lweempahla zeoli, uthengise i-ETF yeoli ukuze uhlasele umngcipheko wakho.
Ngaba unotyalo-mali lwangaphandle kwilizwe apho ioli yimbangela enkulu yengeniso?
Oku kuya kuba lelinye ithuba lokuthengisa i-ETF yeoli ukuze ukhusele phantsi. Kwaye kukho inketho yokuthenga i-ETF yeoli enefuthe elandelela intengo yeoli okanye i-index index. I-ETF ezingenanto zigqibeleleyo kubatyalomali abafuna ioli efutshane, kodwa abanako ukuthengisa ii-ETF ngenxa yemida okanye imingcele ye-akhawunti.
Kukho esinye isicwangciso sokukhusela utyalo-mali lwe-ETF. Ukuba awufuni ukuvala izikhundla zakho ze-ETF, kodwa ufuna ukutshatyalaliswa kwexesha elifutshane okanye ukhuselo, iinqwelo ze-ETF zeoli zorhwebo zingaba utyalo-mali olusisiseko.
Indlela yokuTyala kwi-ETF yamafutha
Ukuba ulungele ukurhweba ii-ETF zeoli kunye nenxalenye yesicwangciso sakho sokutsalwa, "qinisekisa ukwenza uphando olusisiseko. Ukulandelela ukusebenza kwexabiso leoli kwaye ubukele indlela ezinye ze-ETF ezininzi zenze ntoni kwiimeko zemarike ezahlukeneyo.
Emva kokuba unemvakalelo emihle ngempahla, unokuqalisa ngokuquka ii-ETF kunye ne- ETN kwi-arsenal yakho yokutyalomali. Nalu uluhlu lwezinye ii-ETF ezinkulu zeoli zokuqwalasela iphothifoliyo yakho. Uluhlu lwe-ETFs enkulu kunye neLuhlu lwee-ETF ezifutshane . Okanye ukuba ukhetha, nolu luhlu lwee-ETF zamandla.
> + Mark Marknedy