Indlela yokuThengwa
Kukho umehluko omncinci kwindlela abatyali-mali bangathengwa ngayo imali edibeneyo kunye ne-ETFs.
Iimali zentengiso zithengwa ngokuthe ngqo ngekampani yokukhupha okanye ngomcebisi wezemali, kodwa nazo ziyafumaneka nge-akhawunti ye-brokerage. Nangona iindleko ezininzi zingenazo iintlawulo okanye iintlawulo zokuthengwa kwangaphambili, umtyalo-mali ohlawula le ntlawulo yokuthengisa uya kuba nzima ukuba aqhubeke nokusebenza kwee-ETF xa ukuxothwa kwalo mrhumo kufakwe kwiimbuyekezo zabo. I-ETF ayinayo imithwalo, yinto edibeneyo, kodwa inetyala yokuthengiselana njengoko kuthengwa kwaye kuthengiswa njengamasitokethi. Oku kufuna umtyalo-mali ukuba amise i-akhawunti ye-brokerage, engayifuni ukuba ayenze ukuba athenge i-fund.
Abatyalomali kufuneka baqikelele zonke iindleko (imithwalo kunye nemirhumo yemali-mboleko) ekucingeni kwabo xa bavavanya iindleko kunye neenzuzo zeengxowa-mali ezifanayo kunye nee-ETF.
Iindleko
Iindleko zibahlula ngokubaluleka phakathi kweemali kunye kunye ne-ETFs. Umyinge we-bond mutual fund unomlinganiselo wenkcitho yonyaka we-0.61%, kodwa udidi lwe-ETF oluqingqiweyo lunomlinganiselo weendleko ze-0.40%.
Ukwahlula kwamaziko angama-21 (amaphesenti angama-0.21 amaphesenti) akunakuvakala ngathi kuninzi, kodwa emva kwexesha unokuba nempembelelo enenjongo kwimbuyekezo ngenxa yempembelelo edibanisayo le ndleko eyongeziweyo inokusebenza ngonyaka emva konyaka. Imirhumo ephakamileyo yinkxalabo ekhethekileyo ngemali yezibophelelo, apho iindleko zonyaka ezilindelwe ziphantsi kwaye iingu-0.21 zeepesenti zingabonakalisa ukuluma okukhulu ngokufumana inzuzo yomtyalo.
Oku kuninzi ngoku kuqwalaselwa ngoku kunikezelwa kwe- ultra-low on securities high-quality.
Ukusebenza
Itheyibhile engezantsi ibonisa ukubuyiselwa kweemali zebhanki kunye ne-ETF ezinxulumene neentlobo ezithile kwixesha eliyiminyaka emithathu nantlanu ephela ngoJuni 30, 2014.
Hlalani nikhumbule ukuba ngezinye iimeko iintlawulo zihlawulelwe ubungakanani besampula encinane kwinqanaba elinikeziweyo ngexesha leminyaka emihlanu. Ngokomzekelo, kwakukho ezimbalwa ze-ETFs ezinxulumene ne-ultrashort, ezikunceda ukucacisa ukungafani okukhulu ekusebenzeni kulolo hlobo.
Idatha ye-Mutual fund ifakwe kwiphepha lebuyisela kwiklasi ye-Morningstar, ukubuya kwe-ETF kuvela kwiziko le-ETF kwi-Yahoo! ZeMali.
| Udidi | Ukubuyiswa Kweminyaka Emithathu | Ukubuyiswa Kweminyaka emi-5 |
| I-Termshots Term Bond (i-Mutual Funds) | 0.93% | 1.67% |
| I-Ultrashort Term Bond (ETFs) | 0.95% | 0.34% |
| Ixesha elifutshane leBond (Mutual Funds) | 1.85% | 3.21% |
| Ixesha elifutshane leBond (ETFs) | 1.96% | 2.68% |
| I-Bond-Term Bond (Mutual Funds) | 4.08% | 6.02% |
| I-Bond-Term Bond (ETFs) | 3.38% | 4.64% |
| UMasipala weSizwe esifutshane (i-Mutual Funds) | 1.63% | 2.16% |
| UMasipala weSizwe esifutshane (ETFs) | 1.26% | 1.65% |
| UMasipala weSizwe ophakathi (Mutual Funds) | 4.23% | 4.96% |
| I-National National Intermediate (ETFs) | 4.37% | 5.43% |
| Ixesha elide likaMasipala (Mutual Funds) | 5.61% | 6.06% |
| I-National National Long (ETFs) | 6.04% | 6.25% |
| Ukukhutshwa okuphezulu kweMuni (Mutual Funds) | 7.21% | 8.51% |
| Intlawulo ephakamileyo yeMuni (ETFs) | 7.45% | 8.47% |
| I-Inflation Protected (Mutual Funds) | 2.63% | 4.88% |
| I-Inflation Protected (ETFs) | 3.22% | 5.43% |
| IBond Bond (i-Mutual Funds) | 6.17% | 8.50% (7/11) |
| Bond Corporate (ETFs) | 6.18% | 7.67% |
| Iintlawulo eziphezulu (Mutual Funds) | 8.24% | 12.57% |
| Intlawulo ephezulu (ETFs) | 7.82% | 11.90% |
| Imali-mboleko yeBhanki (Mutual Funds) | 5.06% | 7.77% |
| Imali-mboleko yeBhanki (ETFs) | 4.95% | n / A |
| Ihlabathi leMihlaba (iMual Funds) | 3.43% | 6.02% |
| I-World Bond (ETFs) | 3.27% | 3.61% |
| I-Bound Market Bond (i-Mutual Funds) | 3.84% | 9.29% |
| Iimveliso zeeNkcazo eziPhakamileyo (ETFs) | 3.10% | 9.98% |
Inzuzo yentsebenzo inokubakhokelela ngemali yokubambisana, enokumangalisa ngokunikezelwa ngokukhawuleza kwezinto ze-ETF kwiminyaka yamuva. Ipesenteji enkulu yeemali eziphathekayo zilawulwa ngokunyanisekileyo kunye ne-ETF, ngoko ukugqithisa kwabo okuthobekileyo kubonisa ukuba abatyali-mali bafumana ixabiso ngeendleko eziphezulu.
Olunye uxhamla lweemali zentengiso kukuba amaxabiso abo awanakunqunyulwa kwixabiso lemali ephantsi kweefowthifoliyo ngexesha loxinzelelo lweemarike, ezinokuthi zenzeke nge-ETFs.
Umgca: qiniseka ukuba ulinganise yonke ingqalelo ngokucokisekileyo xa wenza isigqibo, kubandakanywa nemiba yerhafu, iimrhumo kunye neziphumo zexesha elide leemali ozicingayo zokuthenga.