Izizathu Ezi-9 ze-ETF ziyakwazi ukuzuza i-Portfolio yakho

by UMark Kennedy

Uninzi lweeNzuzo ze-ETF

Ukuba ukhangelelanisa ukwahlula utyalo-mali lwakho, ukuhlaselwa ngengozi yakho, okanye ukufumana ukutyhila kumashishini athile okanye kwiimarike, ii-ETF ziyakwazi ukufumana i-asethi efanelekileyo kwi-portfolio yakho. Abatyalomali abasebenzisa i-ETFs (kunye ne-ETNs) kwaye bababandakanye njengenxalenye yesicwangciso sabo sokwenza imali bavune ezininzi zezi nzuzo. Nazi ezinye izizathu ezinkulu.

01 UkuThengiswa koLunye

I-ETF isebenza njengama- indexes kwaye inokulandela amacandelo athile emakethe. Nangona kunjalo, ngokungafani nesalathisi, ungathenga i-ETF ngolunye ulula, ukuthengisana omnye. Ngokwenene, uthengisa iphothifoliyo encinane, kungekho ibhasikidi yamasheya, njengawe kunye nesalathisi. Oku kwenza ubomi kube lula xa kujoliswe kwixabiso elithile. Uyakuzaliswa ngokulandelelana kwakho ngokupheleleyo ngokuchasene nebhaksi apho usukela khona isitokethi ngasinye, enzima kakhulu.

02 Iindleko zempumelelo

Ekubeni kunomsebenzi omnye kuphela wezorhwebo, ii-commissions zihlala ziphantsi kwi-ETF ngokuchasene ne-index, efuna ibhaskiti yeempahla kunye nokuthengiswa kwezinto ezininzi. Kwakhona, akukho mrhumo wemithwalo, kwaye iirhafu zokulawula zihlala ziphantsi kwi-ETFs ngokuchasene neemali ezihlangeneyo rhoqo, kunye nazo.

Ukuba ufuna ukufunda ngokumalunga nokugcina iindleko zokutshala imali nge-ETFs, ungafunda malunga neendlela ezi-5 zokugcina imali nge-ETFs .

03 ETF Intlawulo

Iintlawulo zentengo-mali ngokubanzi ziyancipha kwi-ETF ngaphandle kweengxowa-mali zendabuko ngenxa yesakhiwo sorhwebo nganye. Xa inzuzo ifumaneka kwi-yorhwebo yemihla ngemihla yezorhwebo okanye kwintengiso yezorathisi, irhafu yentlawulo yentlawulo iyenzeka ngokukhawuleza. Kwimeko yeengxowa-mali ezithengiswa ngemali, i-capital capital gains ayifumanwanga ize ixabiso lidayiswe kunye nayo yonke ingxowa-mali. Ngoko ke ii-ETF ziyi-" friendly friendly tax ".

Kwakhona, kwiimeko ze-ETFs, iintlawulo zokuhlawula ngokwahlukileyo ziphathwa ngokungafaniyo kwaye zingenza i-tax benefit apha nayo. Funda kabanzi malunga nokuhlawula irhafu kwiintlawulo ze-ETF .

04 ezichaziweyo

Uninzi lwe-ETFs uluhlu lwezinto ezikhethiweyo , i-swaps, kunye nekontrakthi zexesha elizayo, ezizixhobo ezinkulu zokulawula ingozi. Ngoko nokuba ufuna ukuhlawula ii-ETF zakho ngeefowuni kwaye ubeka okanye urhwebise intshukumo ye-ETF kunye nokukhethwa kwezinto ezikhethiweyo , ezinye iimali ziya kuba nokuguquguquka.

Kwakhona qaphela ukuba ngamanye amaxesha ukhetho kunye nexesha elizayo zi-ETFs, njengemali evuliwe. Ngoko ukuba kunjalo, qiniseka ukuba ufunde malunga nefuthe abanalo kwiqhinga lakho lokurhweba kunye neengozi ezibandakanyekayo.

05 Ukuzinza

Ukuthetha ngokuguquguquka, njengobulungisa, ii-ETFs zorhwebo kwiiyure zokuthengisa. Ii-ETs zingathengiswa ezimfutshane okanye kwi-margin, kwaye amaxabiso ahlaziywa ngokuqhubekayo ngexesha loshishino. Ngamanye amazwi i-ETFs ithengisa njengamashishini kwimarike yemasheya.

06 Ukuphendula

Inkxaso-nkampani, umyili, kunye nomdali we-ETF uyapapasha uluhlu lwezinto eziphathekayo kwingxowa-mali nsuku zonke. Uninzi lwabiwo mali lupapasha abaxhomekeke kwiimeko ezingapheliyo kwaye abaziwa ngokubonakala kwabo. Nangona kunjalo, le yinto echaseneyo ne-ETFs.

07 Ulawulo lwePassive

I-ETF zenzelwe ukulandela isalathisi okanye uphawu lokubonisa, kodwa alindeleke ukuba luphumelele (nangona oko kwenzeka ngezinye izihlandlo). Ngako oko, kulungelelaniso oluncinane kuphela olufunekayo kwi-ETF, ngokuchasene nekhredithi elawulwa ngogonyamelo, ekhangelelana ngokukodwa ukubuyiswa okuphezulu kunempahla yalo. Oku ke, kunciphisa iingozi kunye nolawulo lwee-ETF.

08 Izabelo ezikhawulezileyo

Uninzi lwe-ETFs (izabelo ezivulekileyo) zihlawulelwa ngokukhawuleza kwingxowa-mali. Kwimeko yeemali zendabuko, iifom zexesha ziyahluka. Nangona kunjalo, ngelixa ii-ETF zinobuhlobo bentela, umntu makangayinaki iirhafu kwiintlawulo ze-ETF.

09 Ukulula

I-ETF zilula kwisakhiwo kwaye kufuneka zibe lula ukuyiqonda, ngaphandle kwemali enzima njenge-ETF. Ngoko, ukuba ukhangele ukutyalomali kwishishini elithile okanye ufuna ukulinganisa i-ROI kwisicatshulwa esithile okanye i-asethi ephantsi, nguwe kuphela uhwebo ngaphandle kokuqalisa nge-ETFs .

Kukho iintlobo ezininzi zokubandakanya ii-ETF kwi-portfolio yakho. Nangona uxhaso lwabiwo-mali, ama-equity, i-derivatives, kunye neendleko zizo zonke iimali-mali eziqinileyo, ii-ETF zixhobo ekufuneka zibe yinxalenye ye-arsenal yakho yokutyalomali.