Yazi Izingozi zeBond kwi-ETF yakho
Njengaye utyalo-mali, iibhondi zinobungozi. Kwaye ukuba utyalo-mali kwi- ETF ye-bond , ngoko kufuneka uqaphele kakhulu le mingcipheko yebhanki kuba iya kuba nefuthe kwixabiso le-fund yakho yokuthengiselana.
Ngaloo nto engqondweni, nantsi iindidi zemingcipheko yeekhonkco kunye ne-ETF.
Umngcipheko weNzala
Amanani amabhondi anxulumene nolwahlukileyo kunye namazinga enzala. Njengoko ixabiso lentengo liphakama, intengo yebhondi iya kuncipha. Ngoko enye yemingcipheko yebhondi yenyuka kwizinga lentengo, eyokunciphisa intengo yexabiso. Kwaye ekubeni izibophelelo ziyingxenye ye- ETF ye-bond, ukwanda kwexabiso lentengo kuya kunciphisa ixabiso lentlawulo ye-bond. Isixa sokunciphisa isikhwama sebhondi siya kuxhomekeka kwiibhanki zangempela ezihambelanayo ne-ETF.
Umngcipheko weKharity yoKhutshwa
Ngoko siyazi ukuba ixabiso lentengo lichaphazela intengo yokubambisana, kodwa intsebenziswano nganye iya kusabela ngokungafaniyo kwiirhafu kuxhomekeka kwiimeko ezahlukeneyo. Ixabiso, ukukhula, isigqebhezana, njl. Ngoko ukuba i-ETF yentsebenziswano i-portfolio ye-mini (okanye i-asethi elandelelanisa izibophelelo ezininzi), ngoko inani lomngcipheko wenqanaba lomngcipheko ngumngcipheko we-curve risk. Ngamanye amazwi, indlela enokubaluleka ngayo iphothifoliyo yakho yebhanti kumngcipheko wezinga lomyinge.
Zonke i-ETF ezibopheleleyo ziya kuba neengcipheko ezahlukeneyo zokuvuna i-curve-uvakalelo kwimilinganiselo yenzalo ngokusekelwe kwiibhondi ezihambelanayo ne-fund.
Ifowuni
Zonke izibophelelo zinomlinganiselo-ukukhula okuchaziweyo. Nangona kunjalo, abanye abathumeli bebhanki banokukhetha "ukubiza" ukubophelela kwangaphambili. Kwaye le mngcipheko kumnini-mboleko. Ngoko ekubeni ezinye izibophelelo zenza imifudlana yembuyekezo, loo milambo ingasuswa kamva ukuba i-bond isabizwa.
Umtsalane wakho wemali ayikho i-100% eqinisekisiwe. Umngcipheko kwi-bond kunye ne-ETF ebambe isibophelelo.
Ingozi yokubuyisela kwakhona
Ngokuqhelekileyo, iibhondi zibizwa ngokuba yintsasa xa izinga lentengo lingaphantsi kwele nqweliso. Emva koko umnini-mali uncike kumngcipheko wokuvuselela. Umtyalo-mali uza kufuneka "abuyiselwe" kwakhona kwi-bond kunye nesantya somyinge ophantsi ngaphantsi kwexabiso lekhuphoni.
Okungekho mngcipheko
Ngokwenene, umngcipheko ongekho emgangathweni yithuba lokuba umniki-mboleko angayi kuhlonipha isivumelwano. Uya ku "gqibela" kwimboleko, okanye kulo mzekelo ubophelelo. Ngoko ukuba unesiqinisekiso se-ETF, kukho umngcipheko wokuba ibhondi enxulumene ne-fund yakho ingasetyenziswa. Kwaye oko kunokuba nempembelelo engalunganga ixabiso jikelele le-ETF yakho.
INgxowa-mali isasaza ingozi
Kukho ulungelelaniso phakathi kwamanani entengo kunye namanani entengo. Siyazi loo nto. Kwaye uvelwano lwalo budlelwane luyi-curve isivuno, esiye saxoxa ngako. Nangona kunjalo, inxalenye yaloo nto ivelisa ukuqonda kwendowuma yintengiso. Umngcipheko ongapheliyo womniki-mali ngokusekelwe kumahluko (ukusasazeka) kumaxabiso.
Ngokomzekelo, kwiimeko zezoqoqosho ezinzima, abaxhasi bebhanki baya kunenzuzo encinci okanye ukuhamba kwemali. Ukuhamba kwemali eya kusetyenziswa ukuhlawula umbopheleleko wobophelelo. Ukunyuswa kweengozi zengozi kuthatha umngcipheko wokukhupha umrhumo ngenxa yokuhlawulwa kwentlawulo ngenxa yezinga lentengo kunye nefuthe loqoqosho.
Eyona nto ingumngcipheko wokungcungcutheka komngcipheko ukuze uthethe.
Ukutshatyalaliswa koMngcipheko
Zonke iibhondi zinokulinganiswa, ezichaphazela iprofayili yazo. Izibophelelo eziphakamileyo eziphezulu zinomngcipheko omngcipheko omncinane kumabhondi aphantsi. Kodwa ingqiqo kukuba izibophelelo ezincinci zinemivuzo engaphezulu. Ngoko ke, ukuba i-ETF yakho inxulumene nezibophelelo eziphezulu, ngoko unomngcipheko omncinci onxulumene ne-fund yakho kunokuba uthethe i- ETF (ingozi enkulu).
Nangona kunjalo, kuthekani ukuba ezinye zee-bonds kwi-ETF yakho zifumana isilinganiselo esezantsi (sichitha)? Konke ngokukhawuleza, i-ETF yakho yokubambisana isenomngcipheko omkhulu wokubeka ingozi.
Yobungozi
Le mngcipheko uhambelana nokuthengiswa kunye nokuphuma kwiindawo zakho zokubambisa ... okanye kule meko ye-ETF izibophelelo. Ubungozi bokungabikho kwintlawulo yebhondi, kulo mzekelo, kuya kwahlukana nobunzima be-ETF. Kwiimeko ezininzi, i-ETF ye-bond iya kuba yinkcitho encinci ngaphezu kobambiswano ngabanye (kungekho njalo, nangona kunjalo) ngenxa yokuba ezinye i-ETF ezinxulumene nazo zithengiselana ngokuzibandakanya.
Ngoko kunokuba kubekho mngcipheko wecala lobutyebi be-ETF kunobhonkco ngabanye kwi-fund bond.
Nangona kunjalo, ukuba uhlawule, ubungozi bokungabikho kobungozi ngumngcipheko wokungakwazi ukuthengisa impahla yakho ngaphambi kokuba ukhule. Ngoko kuya kuba nzima ukuvala inzuzo yokuqala.
Ingozi yokuThengiswa kwemali
Oku kusebenza kwiibhanki zangaphandle ezingayikhupheli iintlawulo kwimali yasekhaya. Nanini na xa ujongana nezibophelelo kwiimali zelizwe langaphandle , ixabiso leemali zakho zengeniso zixhomekeke kumanani okutshintshiselana. Ngoko njengoko iirhafu zemali zitshintsha, ngokunjalo ixabiso leentlawulo zakho. Kukho ukuhlawula izinga lokutshintshisa izinga.
Umngcipheko weMali
Ukuthetha ngeentlawulo zakho, njengawo nawuphi na uhlobo lwenkokhelo, ziphantsi kokunyuka kwamaxabiso. Iintsingiselo, ukubaluleka kwenkokhelo kunciphisa izinga eliphezulu lokunyuka kwamaxabiso. Imali evela kuwe inkokhelo ayiyi kuba namandla amaninzi okuthenga ngexesha lamaxabiso ephezulu. Ngoko unomngcipheko xa ukwanda kwamanani emveliso, iikonononi azifanelekanga kangangoko zinjalo ngamaxesha e-inflation aphantsi.
U mngcipheko
Olu hlobo lomngcipheko lusetyenziswa kwizibophelelo ezinokuthi zibeke (okanye zibeke). Njengoko ukutshintsha kweerhafu kuguquka, kuya kuba njalo intengo yebhondi. Ngoko njengoko amaxabiso ahlengahlengayo kwaye ahla, amaxabiso amabhonkco aya kuhla uye phezulu. Ngoko ke kukho umngcipheko ophezulu wokubambisana kunye nefowuni okanye ukubeka ukhetho oluya kuqhutywa. Ngamanye amazwi, ukunyuka kwezinga lokutshatyalaliswa kwamanani kuya kubangela ithuba lokunyuka ukugqitywa kwebhondi (okanye ukukhetha okukhethiweyo kuya kuqhutywa). Njengengozi yokunyanzeliswa kwenyanzalo, ukwanda (okanye ukubeka) ingozi iyanda.
Ingozi yengozi
Izinto ezingahambelani nesakhiwo sebhondi zingandisa ingozi. Kuthetha ukuba kukho ezinye izinto ezinokuchaphazela intengo yebhondi ngaphandle kwezinga lentengo, ubude, njl. Enye yale miba yengozi yengozi yomcimbi. Umngcipheko wokuthi isiganeko esithile sinokuchaphazela ukubaluleka kwe-bond okanye i-ETF.
Ngokomzekelo, imfazwe kwelinye ilizwe inokunyusa umngcipheko ochaphazelekayo kunye ne- ETF yamazwe angaphandle . Inyikima okanye utshintsho kwimozulu yezemali yelizwe, zombini unokutshintsha ixabiso lekhredithi yebhondi.
Okanye, kwimeko yengxowa-mali yequmrhu , utshintsho kwinkampani okanye kwicandelo lunokuchaphazela ixabiso lentambo. Ngaba kukho ukunqongophala kwezixhobo zecandelo? Ngaba ngabadlali ababini ababalulekileyo kubumbano badibanisa? Ezinye iziganeko ezingalindelekanga zenzeke, ehlala yongezwa umngcipheko kwi-fund yakho.
Mngcipheko woMongameli
Ifana nomngcipheko wengozi, ingozi yendalo ingozi yorhulumente welizwe langaphandle unempembelelo yokubambisana. Utshintsho lomthetho, ukungaphumeleli ukuhlonipha umbopheleleko wetyala (ingozi engozini), njl. Urhulumente angathintela kakhulu intengo ye-ETF okanye i-bond ye-ETF yasekhaya, ngoko kubekho umngcipheko.
Kwaye nangona iingozi ezingentla zingekho nje kuphela iingozi ezihambelana nezibophelelo kunye ne-ETFs ezidibeneyo, zizona zihlobo eziyinqobo zengozi yokuqwalasela. Ngoko kunye nayiphi na imali-mali, i-ETF, iibhondi, i-ETF ye-bond okanye enye indawo, qiniseka ukuba uqhuba ukunyamekela kwakho kwaye uqonde ingozi echaphazelekayo . Yaye ukuba unemibuzo, qiniseka ukubonisana nomrhwebi wakho, umcebisi okanye uchwepheshe wezezimali ngaphambi kokuba wenze nayiphi na imali.