Izinto ezifanele uziqwalasele ngaphambi kokuba uthenge ii-ETF

by UMark Kennedy

Ukuthenga i-ETF kufana nokuthenga ubulungisa. Uthenda intengo ethile okanye uthabathe ixabiso leminikelo. Elula njengoko. Nangona kunjalo, ngaphambi kokuba uqalise kwaye ubeke umnxeba kumthengisi wakho, kufuneka uqhube ngokunyamekela ngokufaka ii-ETs kwipotifoliyo yakho. Nazi ezinye izinto omele uziqwalasele ngaphambi kokuthenga okokugqibela.

01 Isicwangciso soTyalo-mali

Kutheni uthenga i-ETF ? Ngaba ufuna i-market exposure? Ngaba ufuna ukutshala imali kumashishini athile? Ngaba ukhangele ukuhlawula isigaba sepotfolio yakho? Ukuqulunqa isicwangciso-mali esifanelekileyo siya kukubeka endleleni echanekileyo yokukhetha i-ETF efanelekileyo.

Ukusuka kwiimarike jikelele kunye neenkcukacha zenkxaso kwiimali ezithile okanye kummandla wecandelo okanye iimali zeempahla, kukho i-ETF okanye i-ETN ukulungelelanisa isicwangciso sakho.

02 Utyalo mali

Kuze kube nini uceba ukubamba le ETF? Ngaba ukhona ukukhawuleza ixesha elide okanye ngaba lo utyalo-mali olufutshane ? Kukho iintlobo ezahlukeneyo kunye nokungahambi kakuhle kwee-ETF ngokuxhomekeke ekujongeni kwakho utyalo-mali.

03 ETF

Uphando lwe-ETF yakho ekhethiweyo kunye nazo zonke izibambiso zayo. Nangona ukhangele ilizwe lonke , imarike, okanye ukutshatyalaliswa kwamacandelo, oko akuthethi ukuba akufanele uhlolisise amanani kwi-ETF. Njengokuba uhlolisisa nasiphi na isitoko ngaphambi kokuba utyalomali, kufuneka ucinge yonke i-aseferensi kwi-ETF. Ukuba kukho naluphi na ulinganiso olunokuthintela ukusebenza (kwimbono yakho), kungenjalo ukuba kungenjalo ukutshala imali kwiphothifoliyo yakho.

04 Iindleko, iiKomishoni kunye neeMali

I-ETF zingabakho utyalo-mali ochanekileyo kwiimeko ezininzi, kodwa kufuneka uqikelele iindleko ezihambelana ne-ETF malunga nokutyalomali okufanayo njengama-indexes kunye neemali ezihlangeneyo . Ezinye ze-ETF ziphelile kwaye ngoko zithwala iirhafu zokulawula. Kwakhona, ukuba uthengisa nge-ETFs qinisekisa ukuba ufake iikomishishini kwiindleko zakho zokubala. Qaphela zonke iindleko ezidibeneyo ngaphambi kokuthenga i-ETF.

Kwaye xa kuziwa kwiimali zokurhweba, ii-ETF zindleko ezifanelekileyo. Xa uthengisa okanye uthengisa i-index index, uhlawula iikomishishini kwintengiso nganye ngaphakathi kwebhaksi. Ngokufanayo kunye nemali. Xa uthengisa okanye uthengisa i-ETF, yintengiso enye, ukuthengiswa komnye, ikhomishini enye. Nangona ezinye ii-ETF zinemirhumo yolawulo, ngokuqhelekileyo zivame ukuba ziphantsi kweemali zengxowa-mali, ngokunjalo ukugcinwa kongekho nakhona.

05 Impembelelo yentlawulo

Ukuthengwa okanye ukuthengiswa kwe-ETF kuya kuthintela njani ukubuyiswa kweerhafu? Nangona ii-ETF zise-US zineenzuzo ezininzi zerhafu , i- ETF yangaphandle ingaba yinto enobungangenisa irhafu kwaye ngoko ke ingabi nexabiso. Iimpembelelo zerhafu ziyahluka ukusuka kummandla ukuya kummandla.

Ubuhle be-ETFs kukuba kulula ukuyithenga kwaye kulula ukuthengisa. Ukuthenga i-ETF yonke into oyifunayo i- akhawunti yesaphulelo sokuthengisa . Kwaye i-ETFs, inxalenye enkulu, iyenziwayo kwaye ithengisa ngokuvulekileyo ngexesha leemarike. Nangona kunjalo, oko akuthethi ukuba kufuneka uvele nje emanzini ase-ETF ngaphandle kokuqwalasela izinto ezinokuthi zenze okanye ukuba zingenako ukwenza utyalo-mali lukhethwe kakuhle kwi-portfolio yakho.

06 Uyakwazi ukuthenga ii-ETF ukufumana mfutshane

Ewe, ufunda loo nto. Unokuthenga i-ETF kwaye ngokuqinisekileyo ubeke isikhundla esifutshane. Zibizwa ngokuba yi-ETF zangaphakathi, kwaye ziyakuvumela ukuba ulandele i-index okanye i-asethi engaphantsi ngaphandle kokukhathazeka malunga nemimiselo yemida okanye ukuthengisa okufutshane. Fumana mfutshane ngokufikelela ixesha elide le-ETF.

07 Amanqanaba okuRhweba aPhambili

Siye sichaza izizathu ezininzi zokuthenga ii-ETF (kunye ne-ETNs) sele zikhona, kodwa kukho nezinye ezininzi. I-ETF ziyimidlalo emihle yexesha lokufumana imali. Kukho ii-ETF ezixhasayo kubalimi-mali abanokunyamezela okukhulu, kunye nabathengisi banokudlala ngokungahambisani ne-ETF. Izicwangciso zingenamkhawulo.

I-ETFs ingaba yi-Perfect Fit kwi-Portfolio yakho

Ukuba uthanda ukudlala imarike, uhlasele umngcipheko wakho, okanye utyalole kumacandelo angaphandle, ngoko kufuneka ucinge ukuthenga i-ETF. Ukutshintshwa kweemali ukuthengiswa kwemali kufumaneka kakhulu kwimihla kwaye ukhetho aluzange lube lukhulu ngenxa yezizathu ezifanelekileyo. Ngoko ukuba awuhambanga ixesha elide kunye naluphi na uhlobo lwe-ETFs ezikhoyo, ngoko ndethemba ukuba ndikunike izizathu ezifanelekileyo zokuba kutheni kufanele.