Fumana indlela Iimali ze-ETF ezichithwe ngayo nendlela ezichaphazela ngayo ukusebenza
Isizathu esibalulekileyo sokuba abatyala-mali be-ETF bafanele baqaphele imirhumo ngaphambi kokuthenga kukuba iindleko eziphantsi ziphakathi kweenzuzo eziphezulu ze-ETF . Njengoko ezininzi ze-ETF zilandelelanisa i-index, njenge- S & P 500 , ii-ETF ezilungileyo zokuthenga zihlala ziphantsi kweendleko eziphantsi.
Ukulinganiswa kweNdleko kunye neendlela ze-ETF zokuSebenza
Xa uphando okanye ukhangela ulwazi kwi-ETF okanye kwiimali eziphathekayo, enye yezona nkcukacha ezibalaseleyo oza kuzibona kufuneka zibe yinto ebizwa ngokuba ngumlinganiselo weendleko .
Umlinganiselo wendleko, uchazwa njengepesenti, yintlawulo yolawulo echithwe kwixabiso le-fund. Ngokomzekelo, i-ETF okanye i-fund efanayo kunye nexabiso lentengo ye-0.50 yepesenti iya kuthatha isigamu sepesenti enye kwiimpahla zeengxowa-mali ngonyaka. Ukwenza izibalo kuwe, ixabiso lentengo ye-0.50 ekhulwini liguqulela kwiindleko ze-$ 5 kuzo zonke i-$ 1,000 ezityalomali.
Imali ye-ETF iyancitshiswa ukuhlawula ukuphathwa kweengxowa-mali kunye neendleko zokusebenza. Umtyalo-mali uza kufumana ukubuyiswa kwe-ETF, iindleko ezingaphantsi. Ngokomzekelo, ukuba ukubuyiswa kweengxowa-mali (phambi kweendleko) ngexesha lonyaka li-10.00 ekhulwini, kwaye ixabiso lentengo liyi-0.50 yepesenti, ukubuyisela inetha kumtyalo-mali (emva kweendleko) kuya kuba ngama-9.50 ekhulwini.
Ngoko ke, okufana neemali ezihlanganyelweyo, iifizi ze-ETF ezibandakanyiweyo kumyinge weendleko azithathelwa okanye zihoxiswe ngqo kwi-akhawunti yomtyalomali; ezi ntlawulo zithathwa kwi-asethi yeengxowa-mali ngaphambi kokuba zifakwe kwiimpahla zeefomali (i-science ngqo ye-ETF inkqubo yemirhumo iyinkimbinkimbi ngakumbi kunoko kwaye ke inkcazo ilula ngenxa yezemfundo).
Kutheni i-ETF Imirhumo yeMicimbi
Ekubeni ininzi ye-ETF ilawulwa ngokunganyanzelwanga , ukulinganiswa kweendleko zabo kubonakala kuncinci kakhulu xa kuthelekiswa neemali ezininzi. Ngamazwi ahlukeneyo, kuba ii-ETF zilandelela nje inkcazo yokulinganisa, akukho mfuneko yokuba umphathi we-fund ukucwaninga, ukuhlalutya, okanye ukuthengiswa kwemali kwaye ekubeni le mi sebenzi iphelile, iindleko zokusebenzisa i-fund ziyancitshiswa ngokuphawulekayo.
Isizathu sokuthi ii-ETF ziye zithandwa kakhulu kwiminyaka yamuva zizathu ezifanayo ukuba i- Vanguard Investments yinkampani enkulu ye-fund efanayo kwihlabathi: Abatyalo-mali baye bafunda ukuba iifizi eziphantsi ziguqulela kwimbuyekezo ephezulu ngexesha elide. Ukongezelela, abaphathi abasebenza ngabantu kwaye bathambekele ekwenzeni iimpazamo, ezibangela ukuba bangenakulungeleka kwii-ETF kunye neengxowa-mali eziphathekayo ezilawulwe ngokungathethekiyo.
Ukulinganiswa kweendleko eziqhelekileyo kwiingxowa-mali ziza kuvela kwi-0.50 yeepesenti ukuya kuma-2.00 ekhulwini, kanti iifizi ze-ETF zivela kwi-%55 yeepesenti ukuya kuma-1,00 ekhulwini. Ngako ke iindleko eziphantsi kakhulu ze-ETFs zihlala zinexabiso elincinci leendleko kuneendleko eziphantsi kweendleko zomxhaso.
Ngokomzekelo, enye ye-ETF ye-ETFs ebanzi kakhulu i- SPDR S & P 500 (SPY), enexabiso lentengo ye-0.09 ekhulwini. Ingxowa-mboleko ethandwa kakhulu yintlobo yayo yi- Vanguard 500 Index (VFINX), enexabiso lentengo ye-0.14 ekhulwini.
Ekubeni ezo zombini iimali zingabonakali kwi-S & P 500, umtyalomali owazi kakuhle iimali eziza kubamba i-SPY, enokulindela ukuba ibe neenzuzo ezingaphezulu kwexesha elide (kwaye lo mgca omncinci wokusebenza uye wabanjwa).
Iimali ze-ETF kunye nokukhethwa kweeNgxowa-mali ezilungileyo
Ii-ETF ezinemali ephantsi kakhulu ayisoloko ikulungele ukuthenga iimali. Ngaphambi kokuthenga i-ETF, qi ni sekise ukwenza ii-apples to apples. Umzekelo, qi ni sekise ukuba ii-ETFs uthelekisa ithrekhi yesalathisi esifanayo. Kwakhona kunceda ukukhangela kwimbali yentsebenzo kunye nexabiso lemali yengxowa-mali.
Ukusebenza kubalulekile ngenxa yento ebizwa ngokuba yimpazamo yokulandelela, eyona mlinganiselo wendlela yokusebenza kwengxowa-mali yokuphendula okanye "ukufanisa" ukusebenza kwenkcazo yokutshekisha. Ukuba i-fund ayikulandelelani ngqo inkcazo, iifizi eziphantsi zingenakho ukuhlawula ngokwaneleyo ukwenza i-fund ibethe i-fund efanayo.
Ngoko, qi niseka ukuba uqhathanisa ukusebenza kwembali ngaphezu kwendleko yoxanduva.
Iimpahla ezipheleleyo zeengxowa-mali zibalulekile ukuhlalutya kuba i-asethi ezininzi ngokubanzi kuthetha ukuthengwa kwexabiso elikhulu, ezinokuchaphazela ukusebenza kwe-ETF, ngokukodwa ngexesha elifutshane. Ngoko ke, ii-ETF ezinamaxabiso amaninzi zikhethwayo kulabo abanexabiso eliphantsi kakhulu.
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.