Kutheni abanye abaTyalo-mali batyhulwa kwi-Exchange-Traded Funds
Ukuthenga okanye ukuthengisa i-ETF, wenza njalo nge- stockbroker kwaye, ngaphandle kokuba i-ETF iyingxenye yecandelo elithile elikhethekileyo umthengisi usebenze kunye nomxhasi we-ETF, bahlawula ikhomishoni, ngokungathi uyathengisa okanye uhlawula isabelo , zithi, IBM okanye iMicrosoft.
Sekunjalo, kubonakala kukho ukudideka malunga nendlela abatyali-mali abenza ngayo imali kwi-ETFs. Ngokuchasene nombono onokuthi ufumane ukuthetha nalabo abanenkuthazo yokukuthengisa ngemveliso yeemali, ii-ETF azikhokiti zeLotto okanye ziyimilingo.
Njengazo zonke izinto, zinobuchule kunye neengxaki ezimele zicingwe ngokucophelela, ngakumbi ekukhanyeni kweemeko zakho, ukhetho, izibonelelo kunye nezinye izinto ezifanelekileyo. Nangona le ngqungquthela jikelele ayikwazi ukwenza oko kuwe, inokukunika ingqiqo ecacileyo malunga neenzuzo eziye zaveliswa ngabaTyalo-mali be-ETF ngethemba lokuba liya kukunika ithuba lokwenza ukhetho olunolwazi malunga nepotfolio yakho okanye, ncinane, imibuzo efanelekileyo yokubuza umcebisi wakho wezemali .
Indlela abaTyalo-mali abenza ngayo imali kwi-ETFs
Ukwenza imali kwi-ETFs kuyafana ngokufana nokwenza imali ngokutyalomali kwiimali zentsebenziswano ngenxa yokuba zisebenza ngokulinganayo. Njengemali yokubambisana, indlela ye-ETF yakho yokwenza imali incike kuhlobo lokutshala imali.
I-ETF ngokwayo ifana ne-fund trust-ingafaka imali kwiimpahla , izibophelelo , iimpahla ezifana negolide okanye isiliva, isitokhethi esikhethiweyo, okanye isalathisi esidumileyo njenge -Dow Jones Industrial Average okanye i-S & P 500.
Kuthetha ntoni oku kuwe, njengomtyalomali? Ngokwenene, konke kuya kwele ndawo: Indlela owenza ngayo imali kwi-ETF iya kuxhomekeka kwi-ETF ngexesha elithile.
Oko kukuthi, ukuba unayo i-ETF yesitokethi egxile kwii -stock-dividend stocks , unethemba lokwenza imali ngokuhlanganiswa kweenzuzo ezinkulu (ukwanda kwintengo ye-stocks yakho ene-ETF) kunye nezihlawulelo ezihlawulwe ngabo .
Ngokufanayo, ukuba unayo i-ETF ye- bond ye- bond , unethemba lokwenza imali kwimali engenayo . Ukuba unayo i-ETF yendawo yokuhlala, unethemba lokwenza imali kwii-renti eziphantsi, ukuzuza kweemali kwiintengiso zentengiso, kunye nemali engenayo eyenziwa ngamafulethi, amahotele, izakhiwo zeofisi, okanye ezinye ii-estate eziphantsi kwe- REIT apho i-ETF wenze utyalomali.
Iimpawu ezifanayo zokwenza imali kwi-Mutual Funds Hold Hold True to ETF Investment
Kwinqaku ekwenza imali kwi-Mutual Fund Investing , ufunde ukuba konke okulinganayo kunye nokubanzi, imfundo yombono, kukho izicwangciso ezintathu ezinokukunceda ukwandisa ukubuyiswa kwakho kwexesha. Ezi zinto zintathu zinyaniseka xa uzama ukwenza imali nge-ETFs:
- Musa ukutyalomali kwi-ETFs Awuyiqondi: Kukho ii-ETF ezidengekileyo kwihlabathi-ezinye ezisebenzisa ubukhulu obuphezulu kunye ne-stocks ezincinane, ezinye ezitshala kuphela kumazwe angaphantsi kwehlabathi lesithathu, kunye nabanye abagxininisa kakhulu candelo okanye amashishini athile . Njengoko uWarren Buffett ethanda ukuthetha, umyalelo wokuqala wokwenza imali kukuze ungalahlekelwa yimali. Umgaqo wesibili kukubona umgaqo # 1. Kufuneka ukwazi ukuba yi-ETF ngayinye unayo into ekubanjelwe kuyo.
- Gcina i-ETF yakho Imali eqikelelekileyo: Ngokuqhelekileyo, oku akuyona ingxaki enkulu kuba ii-ETF zihlala zineendleko ezingaphezulu kwexabiso. Le ngenye yezizathu abahlala bekhetha ukuba abatyali-mali abangenako ukufumana ii-akhawunti ezilawulwa ngabanye . Okokuthi, umcebisi wezemali, umcebisi wezemali, okanye u-u-zimali-mali uqokelele iphothifoliyo yezibambiso ezihlukeneyo, uqoke izinto ezifana nee-ETs ezijolise kumacandelo ngamnye okanye kumashishini ngenani leendleko ezifana ne-0.50% ngonyaka .
- Gxininisa kwixesha elide: Ekugqibeleni kwaye konke okulinganayo, okufutshane kwimiba ethile yesakhiwo okanye enye imicimbi engaphantsi, ii-ETF zifanele zenze ngokubanzi ngokulandelelana kwazo. Oku kuthetha ukuba ubambe i-fund-exchangeed equity fund, unakho ukuxhomekeka ngokukrakra kwixabiso lemarike kunoma yimuphi unyaka onikeziweyo. Uza kubona amaxesha afana ne-2007-2009 xa ii-ETF zakho zibambe phantsi kwe-20%, 30%, 50% okanye ngaphezulu kwiphepha. Ukuba awukwazi ukuphatha oku, awukho ishishini lokutyalomali kwezi ziqinisekiso. Nangona kungekho sigunyaziso sexesha elizayo liza kubonakala ngathi lidlulileyo, ngokudlulileyo, ixesha liye lakhupha uninzi lwaloo ntsholongwane kwaye abatyali-mali baye bavuzwa kakuhle.
Into ekufuneka uyikhumbule kukuba ii-ETF zinjengeyiphi enye imali-mali ukuba ayiyi kusombulula zonke iingxaki zakho. Zixhobo. Akukho nto, akukho nto ngaphantsi.
Nceda uqaphele ukuba i-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.