I-ETFs ezili-10 eziphezulu kakhulu zithengisa

Ukhetho olukhethiweyo lwee-ETF kunye ne-ETFs kunye neeNtengo eziPhakamileyo

Ukuba ukhangele ukuthenga esinye sezivuno eziphezulu kakhulu ze-ETF kwiimarike, kukho iintlobo ezahlukeneyo zemali ekufuneka ziqwalaselwe.

Ngaphambi kokuba uthenge i-ETF yemveliso ephakamileyo, okanye nayiphi na uhlobo lotyalo-mali, ( nakwiibhondi zeentlekele ) kulungile ukufumanisa injongo yesikhwama kwiimfuno zakho nokuba uza kuzalisa njani ezinye iimali kwi-portfolio yakho. Ngaba ufuna iindleko eziphezulu ngokusebenzisa izabelo okanye kwiintlawulo zenzalo?

Ngaba uza kutyalo-mali kwi-akhawunti ehlawulweyo okanye i-akhawunti ehlawulwe irhafu, efana ne-IRA? Ngaba u khangela ingeniso yangoku, ukukhula kwexesha elide okanye zombini?

Kutheni Utyalole kwiiNgxowa-mali eziPhakamileyo

Ingaba utyalo-mali kwiimali eziphathekayo eziphezulu okanye iimveliso eziphezulu ze-ETF, kukuhlakaniphile ukuba ube nenjongo ecacileyo yokuthenga oku kutyalo-mali olujoliswe kwingeniso .

Abatyalomali abafuna isivuno ngokuqhelekileyo bafuna ingeniso kwiingxowa-mali zabo. Le ngeniso ingafumaneka ngohlobo lwee-dividends ezivela kwi-stocks okanye ngeentlawulo zenzalo ezivela kwiibhondi. Ngoko ke, xa abanye basebenzisa ixesha, "imali ephakamileyo yemali," ngokubhekiselele kwiingxowa-mali okanye ii-ETs ezithatha amasheya ahlawula amaxabiso aphezulu , iintlawulo kunye neentlawulo zenzalo eziphezulu, okanye ukudibana kokubili.

Ekubeni abatyali-mali bexesha elide bajonge ukukhula kwiiphothifoliyo zabo ngokuhamba kwexesha, abatshali-mali abaninzi abafuna iimali ezivunyiweyo eziphezulu batyala umhlala-phantsi abafuna ingeniso kwiingxowa-mali zabo.

Iintlawulo eziphezulu ze-ETFs kunye ne-High Yield Mutual Funds

Njengoko nazo zonke i-ETF, izibonelelo eziphambili ze-ETFs eziphezulu kwiintlawulo zabathengi beemali ziphantsi kweemali eziphantsi, ukudibanisa kunye ne-intra-day liquidity.

Kwakhona, kukho iindidi ezininzi ze-ETF ezithengayo kwiimarike xa kuthelekiswa nemali ephakamileyo yemveliso. Oku kuthetha ukuba abatyali-mali banethuba elingakumbi lokufumana isivuno kwiindlela ezahlukeneyo, ezivame ukukhokelela kwizivuno eziphezulu ngenxa yobugcisa kwi-market ye-ETF.

Nangona kunjalo, kukho enye yeyona ndlela yokuphambili yemveliso ye-ETFs ephezulu: Njengoko ilawulwa ngokungathandabuzekiyo, baphoqelelwe ukuba bafanise nokusebenza kwenkcazo yokulinganisela. Ekuguquleleni, kwimarike ezantsi, umphathi omkhulu we-ETF uyanyanzelekile ukuba athengise, nangona kumaxabiso angalunganga. Le ntsalela ifanayo kunye neenkcukacha zengxowa-mali. Umphathi akakwazi ukuhamba ngeemeko ezingabonakaliyo kwiimarike ngokuthengisa (okanye ukubambelela) ngokwengqiqo.

Uluhlu lweeFET eziphezulu kakhulu

Kuluhlu lwethu lwe-ETFs ephezulu kakhulu, sihlinzekela ukukhethwa kweemali ezahlukileyo ukuhlangabezana neemfuno ezahlukeneyo zokutyalomali. Ngelixa sifaka ii-ETF ezihlawula izivuno eziphezulu, siquka ii-ETs ezilinganisa ukungafani kunye nenjongo yabo yengeniso.

Ngoko, akukho myalelo othile, nantsi i-10 ye-ETFs ephezulu yokuthengisa kwi-market today:

1. iShares iBoxx $ High Yield Corporate Bond (i-HYG): Ukuba ufuna enye ye-ETF esebenzayo kwi-market, i-HYG kufuneka ibe kwi-radar yakho. Iphothifoliyo iqukumbele ngokubambisana kunye neemali eziphakathi kweminyaka emi-3 kunye ne-10 kunye nekhwalithi yekhredithi ngaphantsi kwebakala lotyalo-mali (ireyithi engezantsi kweBBB nge-Standard & Poor's okanye ngaphantsi kwe-Baa nge-arhente ye-credit rating). I-SEC Yokuvelisa i-4.74 yepesenti kunye nexabiso lentengo liyi-0.49 yeepesenti, okanye i-$ 49 nganye i-$ 10,000 etyalomali.

1. I-SPDR Bloomberg Barclays High Yield Bond (JNK): Enye i-ETF ethe xa kuthengisa kakhulu i-JNK, ene-SEC Yield of 4.95 pesenti kunye nexabiso lentengo ye-0.40 ekhulwini. Njengoko uphawu lwekhayibhile lubonisa ukuba, i-JNK ifaka iibhondi kunye nekhwalithi yekhredithi ngaphantsi kwebakala lotyalo-mali. Umyinge wokulinganisa kwixesha eliphakathi, eliphakathi kweminyaka emi-3 ukuya kwe-10.
2. I-Vanguy High High Distribution (VYM): Abatyalo-mali abafuna ukufumana imali ngenzuzo ye-ETF ebiza ngexabiso eliphantsi, abaya kuthanda i-VYM. Le ETF ilandelela i-Index ye-FTSE High Dividend Yield Index, equkethe ama-stock of airlines angama-400, amaninzi awo angama-caps amakhulu, ahlawula amaxabiso aphezulu kuma-investors. I-SEC yondla i-VYM ingama-2.95 ekhulwini kunye neendleko zingabizi kuma-0.08 ekhulwini.
3. I-VanEck Vectors I-High-Yield Index Index (i-HYD): Ukuba unayo i-akhawunti ehlawulweyo, kwaye ufuna i-ETF ephezulu, kufuneka ukhangele i-HYD. Le ETF ilandelela ukusebenza kwe-Bloomberg Barclays kaMasipala oyiNtloko yeeNtengo eziThengiswayo, ezibandakanya i-US high-yield, ixesha elide, izibophezelo zikamasipala, ezinikezela ngeniso engenayo irhafu. Le ntlawulo yerhafu inokubangela ukuba abatshali-mali bakhankanywe phezulu kwii-brackets ezikarhulumente eziphezulu, eziza kuguqulela kwisivuno esiphezulu sentlawulo kulabo batyalo-mali. I-SEC ithengisa i-HYD yi-4.03 yepesenti kunye nexabiso leendleko li-0.35 ekhulwini.

1. I-Alerian MLP (AMLP): Iimali ze-MLP zityalomali kwiintsebenziswano ezincinci, eziqhelekileyo kugxininisa kumashishini anxulumene namandla. Ukusebenza kwe-MLP kungabonakali kwaye isakhiwo salo njengobambiswano luyinkimbinkimbi kunamasheya. Ngoko abatyali-mali bacinga ukuthenga le mali kufuneka benze umsebenzi wesikolo oqaqambileyo kunokuqhelekileyo ngaphambi kokuthenga. Ngenxa yoko, i-MLP iimali mhlawumbi zilungele ukuba abatyali-mali bafune isivuno esiphezulu, ngokuphindaphindiweyo njengama-7 ekhulwini okanye ngaphezulu. Kananjalo ukulinganiswa kweendleko zemali ye-MLP kunokuphakama kwaye ngezinye izikhathi kunzima ukuyiqonda. Isivuno se-AMLP singama-10.68 ekhulwini kunye nomlinganiselo weendleko yi-1,42 pesenti, ephantsi kwe-MLP fund.
2. Iimpawu zeMpawu zeMpawu eziPhakamileyo zeMali eziPhakamileyo (iDEM): Abatyalo-mali abakhangela ukugqithisa iintlobo zabo zokuthengisa eziphezulu kunye nezitye zangaphandle, iimakethi ezikhulayo, bangafuna ukujonga i-DEM. Ikomiti yolawulo lweengxowa izama ukufumana nokubamba iintlawulo eziphezulu ezihlawulelwayo ezikhoyo kwiimarike ezikhulayo. Isivuno sokusabalalisa i-DEM singama-3.81 ekhulwini kunye nomlinganiselo weendleko ngowama-063 ekhulwini.
3. I-SPDR Dow Jones Impahla Yomhlaba Yomhlaba (i-RWX): Ukutshala imali kwi-real estate ne- REIT ngemali yecandelo ingaba yindlela efanelekileyo yokufumana izivuno eziphezulu ngenjongo yengeniso. I-REIT kaninzi ibinabani-nxaxheba abangama-100 kunye nee-REIT ziyafuneka ngokusemthethweni ukuba zihlawule ubuncinane iipesenti ezingama-90 zengeniso yabo kubani-nxaxheba. I-RWX ithatha i-Dow Jones Global ex-US Khetha i-Real Estate Securities Index, equka ii-US REIT kunye nezinye izithenjwa zendawo yokuhlala. I-SEC Yokuvelisa i-2.95 ekhulwini kunye nexabiso leendleko li-0.59 pesenti.
4. I-Trust Trust yokuqala yokuThengwa kunye neNgeniso (FPE): Le ngxowa yintlobo engaqhelekanga kuba yenye yee-ETF ezincinci ezilawulwa ngamandla. Iqela lolawulo lijongene neemali zengeniso, njengezibophelelo zenkampani okanye ngaphantsi kwebakala lotyalo-mali, amasheya akhethiweyo kunye neziqinisekiso zokubambisa. I-SEC yondla i-FPE yi-5.56 yepesenti kunye nomlinganiselo weendleko ngu-0.85 pesenti.
5. Amandla amandla I-KBW ephezulu yokunikezelwa kweeMali zePortfolio (KBWD): Le-ETF ephezulu evela kwi-Invesco isekelwe kwi-KBW Nasdaq yeCandelo lezeMali leNkcazo yokuThengiswa kweeMali, elinezixhobo zemali zezoqoqosho, ezaziwa ngokuba zizabelo eziqhubekayo. Abanini-nxaxheba abanomdla kufuneka baqaphele ukuba le ETF igxile kwiimpahla ezincinci kunye nee-cap-cap, ezingabonakaliyo kwiimali ezabelo-mali ezihlala ziphethe amasheya amakhulu. Iphothifoliyo ixhomekeke kwiindawo ezingama-40 kuphela. I-SEC Yokuthengisela i-KBWD iphezulu kuma-8.82 ekhulwini kunye nomlinganiselo weendleko uphezulu kwi-2.99 ekhulwini.
6. Iimpawu zeMarhwebo eziPhakamileyo zeBurhulument Bond (VWOB): Abatyalo-mali abafuna ukufumana isivuno nge-ETF ebiza ngexabiso eliphantsi ukuba bathengise kwiimarike ezikhulayo ziza kufana noko babone kwiVanguard VWOB. Le ngxowa ilandelela i-Bloomberg Barclays Iimali zeMakethe eziPhakamileyo ze-RIC uRic Government Index, equlethe iibhondi ezikhulayo ezi-1000 kunye nobude obuphakathi kweminyaka engama-6.4 kunye nobungakanani bekhredithi ngokubanzi ngaphantsi kwebakala lotyalo-mali. Isondlo se-SEC ye-VWOB yi-4.09 yepesenti kunye nexabiso lexabiso li-0.32 pesenti.

Izilumkiso malunga nokuTyaliswa kweeNgxowa-mali eziPhakamileyo

Isivuno esiphezulu sinokuthi siguqulele kumngcipheko ophezulu. Abatyalomali kufuneka bahlale bekhumbula ukuba iimali ezivunyiweyo ezivame ukutyalomali kwiibhondi kunye nekhwalithi ephantsi. Ezi zibophelelo eziphezulu zezivuno nazo zibizwa ngokuba zizibopho ezingekho mbumbulu . Izivuno eziphezulu zikhangeleka kwiinjongo zengeniso kodwa umngcipheko wemarike kulezi zibophelelo zifana nezo zifuyo. Ngoko, kwiindawo ezithengiswayo, izibophelelo eziphezulu ziza kuhlaselwa kwixabiso, njengokuba izibophelelo eziqhelekileyo zinokunyuka kwixabiso.

Iimali ezibophelelweyo ezibopheleleyo zingaphinde zibambe izibophelelo zangexesha elide , ezinomdla wokuphakama kwezinga lentengo ephezulu kunamabhondi anemilinganiselo emfutshane okanye ixesha elide. Xa amaxabiso enzala ekhulayo, amanani eebhondi ngokuqhelekileyo awela kwaye sele ekhula ngokwaneleyo, ubukhulu bobubele. Ngoko ke, xa amaxabiso enzala ekhulayo, iibhondi zexesha elide ziya kubakho ngaphezulu kwexabiso kunezibambiso ezifutshane kunye neziphakathi.

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.