Ukunciphisa iiKhomishoni zakho kunye neMali yokuLawula
Kulo qoqosho, akungabazeki ukuba ufuna iindlela zokunciphisa iindleko. Ingaba kukho isigqebhezana sokufumana isobho kwi-supermarket okanye ukuhlahla i-thermostat ukunciphisa i-bill yakho yamandla, uzama ukufumana iindlela zokugcina imali. Ngoko kutheni ungakhangeli kwiqhinga lakho loshishino ?
Iikomishoni eziphezulu kunye neendleko zolawulo, ngokungathethi zerhafu, ziyakudla ngokwenene inzuzo yakho yokutyalo-mali, ngoko kuyacaca ukuba uhlole ingxowa-mali yokuthengiswa kwemali yokunciphisa ezi ndleko. Nazi iindlela ezinhlanu onokunciphisa utyalo-mali lwakho kunye ne-ETFs.
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01 IiKhomishana ezisezantsi ezisuka kwiStock Trading
Ingaba uzalisa ibhoksi yenkcazo okanye uzama ukubetha imarike kunye ne-joint fund, u-stocks stocks. Ukuthengwa nokuthengiswa kwamanani amaninzi kwenzeka ngeento zonke. Nangona kunjalo, ukuba usebenzisa ii-ETF, ii-equity sele zifakwe ngaphambili kwi-asethi enye. Omnye urhwebo, intengo enye, ikhomishini eyodwa. Sebenzisa i-ETF endaweni yesicatshulwa kwaye akudingeki uthenge amasheya amaninzi ukuzalisa ibhasikidi. Sebenzisa i-ETF endaweni yengxowa-mali kwaye ulandele iimarike ngaphandle kokuba ube ne-trade day. Ukuthengiswa kwesitotyi esincinci kuthetha iikomishini eziphantsi
02 Imali yoLawulo lwezantsi
Musa ukungaqondi, ii-ETs zinebelo elifanelekileyo lemali, kunye ne-ETF eyahlukileyo. Nangona kunjalo, ngokubanzi, iimali eziphathekayo zivame ukuba nemali ephezulu yokulawulwa kweengxowa-mali zokuthengisa. Yaye ukuba unako ukufumana i-ETF elungileyo ukuba ithathe indawo yesikhwama sokubambisana, enye yeenzuzo ingaba yimali ephantsi yolawulo. Imivuzo engaphantsi kwe-03
Ewe, mhlawumbi ungabi phantsi kwentela ephantsi , kodwa kukho inzuzo yerhafu xa kuziwa kwi-ETFs . Xa uthengisa i-index okanye inkxaso-mali, inzuzo enkulu iyafumaneka ngokukhawuleza xa wenza ukuthenga okunenzuzo okanye ukuthengiswa kobulungisa ngaphakathi kwebhayisiki okanye kwi-fund. Ngee-ETF, ezo mpu melelo zithe zaza zagqitywa kwaze kwaba nokuthengiswa kwe-ETF yonke . Ngenxa yoko, ngenxa yokuthengwa kwezinto ezimbalwa, akukho zininzi zentlawulo zentlawulo ezixhasayo. 04 Iindleko zokuHlahla ezantsi
Kucacile, unokwenza iinqununu ze ETF kunye ne-ETF. Nangona kunjalo, ngaba uyazi ukuba unako ukukhethwa kweenkcukacha ze-ETF kwiimeko ezithile? Ngokomzekelo, ukuba i-ETF idibanisa kakuhle ne-index, kungase kube lula ukuyithenga i-ETF enqamlekileyo kwabanye ibeka endaweni yebhayisikiti yenkcazo. Njengoko sathi, ukusebenzisa i-ETF endaweni yesalathisi kunokugcina kwiinkomishini. Nangona kunjalo, qinisekisa ukuba imisebenzi yokulungiswa kunye nenkampani yakho yokucoca iqonda i-ETF yinqaba kwaye ayikho into ekhoyo. 05 Ukunciphisa iingxaki zeMargin
Ukuthengisa isicatshulwa esifutshane kunokubangela ukuphazamiseka kwiimigca zakho kwaye kunokufumana ifowuni esuka kwinkampani yakho yokucoca. Nangona kunjalo, kukho indlela yokufumana mfutshane ngaphandle kokuthengisa. Faka ii-ETF ezingenayo . Intsebenzo elula eyenzelwe ukudala isikhundla esifutshane ngokwenene ukuthenga urhwebo. Ngoko ukuba kukho izizathu zezezimali awukwazi ukufumana mfutshane, kwaye i-ETF ezinqamlekileyo zingakho isisombululo sakho esona siphumo. Naliphi na ixesha unako ukugcina imali kwaye usenokufumana ukutshatyalaliswa kwecandelo , imarike, okanye impahla , into enhle. Ngoko uqikelele ntoni? I-ETF yinto enhle. Kulixesha oqalise ngayo ngemali yokuthengiselana ngemali kwaye unciphise i-bill yakho yokuthengisa.