Ngaba uyayiqonda umahluko phakathi kwe-ETF kunye neengxowa-mali?
Umbuzo wethu umbuzo othi, "Ngaba i-debate ye-ETFs ngokumalunga nemali yokubambisana ibe yinkqubo yokuphatha ngokungahambisani neengxoxo zengxoxo? Ukuba kunjalo, yiyiphi inqwelo-mali omele ukhethe?
Ii-ETF okanye iimali eziphathekayo? "
ISifundo seDeitte: ii-ETF kunye ne-Mutual Funds
UDeitte, enye yezona nkampani ezinkulu zeenkonzo zobugcisa kwihlabathi, wapapasha isifundo sawo se-2009 malunga nokuba ngaba abatyali-mali abayikhetha ii-ETs ngokumalunga nemali. Umsebenzi kaDeitte uquka uphando olulungileyo kunye neenkcukacha kubaqalayo-ukubonelela ngokucacileyo umxholo wesihloko. Ngelishwa, awanakukwazi ukubonelela ngolwazi oluthile olufunekayo ukuba uzama ukwenza isigqibo sokuba uthenge ii-ETF okanye imali ephathekayo kwipotfoliyo yakho.
Ucwaningo lukaDeitte luchaza inkqubo yokuhlenga indalo, indima yabathathi-nxaxheba abagunyazisiweyo kunye neendlela ezintathu ezahlukeneyo ze-ETF. Apho isiqwenga sifihla khona - njengokuba sithetha malunga nenye into endiyifunayo ngesihloko - kukujonga kakuhle ukuba kutheni abatyali-mali bangakhetha ukuthenga ii-ETF malunga neemali eziphathekayo okanye ngokulandelana.
Kwakhona, isifundo se-Deloitte sifunde kakhulu ukuba ungathanda ukufunda okunye malunga nokwenza i-ETF ihluke kwiimali zentsebenziswano.
Kodwa, ndiyakholwa ukuba luhlobo luni lotyalo-mali oluza kulandelwa - ukuba lulodwa luya kukhethwa - luninzi umbuzo wokungahambisani nokuziphatha okusebenzayo, kwaye akuhambisani. Abanye abatyali-mali bangakhetha ukwamkela ii-ETF zombini kunye neengxowa-mali zobudlelwane ukuze bajikeleze iiphothifoliyo zabo. Kucacisa nje, uviwo lwezinto ezintle kunye neempembelelo ze-ETF kunye neemali ezizimeleyo zodwa aziyi kukunceda ukuba unqume ukuba isicwangciso esithile sotyalo-mali sisilungele.
I-Passive vs. Active; ETFs kunye neMual Funds
Ukuba ufuna ukugqiba ukuba ngaba kukulungele ukuba utyalomali kwi-ETF okanye kwiimali eziphathekayo, isinyathelo sokuqala ofuna ukuyithatha sidinga ukuba uqonde ukusebenza ngokumalunga nokuqulunqwa kweendlela zokutyalomali. Ukuba ukholelwa ekuphatheni okusebenzayo malunga nokuphathwa okungapheliyo (okt, ucinga ukuba kunenani lomntu okhetha amasheya athile kwi-index-based based index), ngoko uya kukhetha ukuxhaswa ngemali (Ewe, kukho ii-ETF eziphathekayo, kodwa akwanele ukhethe ukusuka kweli nqanaba).
Ukuba ukholelwa ekutyalomali-mali olulawulwa ngokungathandabuzekiyo (ngokulula, makhe sibize le "ukutshekisha"), ngoko kufuneka uqhathanise ii-ETF ukubonisa iingxowa-mali zombini ngaphambi kokuba wenze ukhetho lwakho lotyalo-mali. Ngamanye amagama, ungabanjwa kwisicaka ukuba i-ETF iyancishiswa, i-tax-efficient, kunye nokunye-inyaniso kukuba akukho mmahluko omkhulu phakathi kwe-ETF ezilandelelana iikholeji ezibanzi kunye neenkcukacha zengxowa-mali (ngokwemigaqo lweendleko kunye nokusebenza kweerhafu).
Umthi weNqumo: ii-ETFs kunye ne-Mutual Funds
Ngoko ke, inqanaba elilandelayo lezenzo malunga ne-ETFs kunye neengxoxo zengxowa-mali zengxowa-mboleko kukuthatha isigqibo phakathi kwe-ETF kunye neemali ezihlangeneyo. Ukuba unquma ukuba imali yenkcazo yinto ekhethekileyo kuwe, isinyathelo esilandelayo kukujonga ukulinganiswa kweendleko eziphantsi.
Kodwa gcina ingqalelo kwiindleko zokuthengisa. Ngokuxhomekeke kwi-akhawunti yakho ye-broker okanye ye-joint fund yakho apho ubeka khona i-akhawunti yakho yotyala-mali, kukho iirhafu zokuthengisa ezinxulumene ne-ETF okanye i-fund fund. Ngoko ke uya kufuna ukufumana ezi ntlawulo ngaphambi kokuthenga.
Umzekelo, ukuba uya kuthenga amasheya kanye ngenyanga kwaye ukhetha i-ETF ehlawula imali engama-7.95 yokurhweba rhoqo xa uthenga, kodwa i-index ye-joint fund ayikho imali enjalo, i-index joint fund ingcono kukhetha.