Yonke imeko yokutyalwa kwemali iyahluke kwaye ezininzi izinto zinokuchaphazela isicwangciso sakho sokurhweba . Nangona kunjalo, ukuba uxhobile iinyani, unalo ithuba elihle lokwenza isigqibo esifanelekileyo.
Isizathu sokuba Ufanele uqikelele ukuthenga i-Index Index
Utywala. Ezinye iimbosi zilandelwa yi-ETF ezininzi.
Enyanisweni, kukho ii-ETF ezingaphezulu kuneenombolo. Kwaye amaninzi amanqaku anabalandeli abaninzi be-ETF. Ngoba? Ngenxa yokuba iinqonga ziyaziwa kakhulu (okwangoku). Abanomtsalo-mali kunye nabarhwebi ababukele yonke into. Ngenxa yoko baninzi kwaye ngamanye amaxesha kulula ukuthengisa.
Akunjalo ukuba azikho ii-ETF ezifana nezidumi okanye i-liquid. Kodwa ekubeni kukho ii-ETF ezininzi zokulandelela inkcazo, ezinye zeemali aziyi kuba ziwayo okanye i-liquid. Yibize ukuba iphile kwizinto ezincinci okanye ukunikezela kunye nokufuna, kodwa umgca we-ETFs uvula ngokulindela okuphezulu kwaye ngamanye amaxesha ungayenzeli unyaka.
UkuLawula nokuFlexibility. Xa uthengisa i-ETF, uthengisa i-asset yangaphambili ehlanganisiweyo edibanisa ukulingana kwamanani kunye nakwezinye iziphumo zokulandelela isalathisi. Ufumana nantoni na kwi-ETF . Awukwazi ukuthengisa kunye nokuphuma kwamasitokethi njengoko uthanda.
Ngenqakraza yenkcazo, unako. Ukuba unqwenela ukucwangcisa ibhasikidi yakho ukuya kwiinkampani ezithile okanye kwicandelo elithile, unako ukukwazi.
Kwaye ngelixa le nto inokuchaphazela intengo yakho yebhaksi kunye nokucaphukisa inkampani yakho yokucima, inokwenziwa. Unokwenza ikheksi yakho ngokwezifiso ukuba kufuneka, kungekhona i-ETF yakho. Oku kuguquguquka kunye nokulawula kuyimpawu enhle kubahwebi ukuba basebenzise kwiiphothifoliyo zabo kunye ndiye ndazisebenzisa.
Iphutha lokulandelela. Oku kungaphezulu kwe- ETF yokungonakali ngaphezu kwesicatshulwa, kodwa kuthethwa ngokufanelekileyo.
Ii-ETs zityholwa ngamaphutha amakhulu okulandelela, ikakhulukazi ii-ETF zexabiso. Nangona kunjalo, ngebhayisikiti ayikho impazamo yokulandelela ngokwenene kuba isalathisi ibonakaliso emele icandelo okanye ivenkile. Nangona kunjalo, kukho ezinye ezinokuthi zichaze inkcazo engabonakali ngokwenene ngamanye amaxesha (kwaye azingayi kuphutha).
Isizathu sokuba Ufanele uqikelele ukuthenga i-ETF
Iindleko zokuThengisa ezantsi. Xa uthengela isalathisi kufuneka ugcwalise ibhasikidi ngamashishini amaninzi ... kunye nee-commissions ezininzi. Xa uthenga i-ETF, yinto enye yorhwebo kunye nekhomishini enye. Ngoko i-ETF inokukunceda ukukusindisa imali xa kuziwa kwiimali zokutyalomali .
Ixabiso. Kuthi nje kulula ukubetha intengo ekujoliswe kuyo kunye ne-ETF. Ukuba uthengisa i-ETF , yintengiso enye, intengo enye. Oku kubandakanya i-oda yeemarike (kuxhomekeke ekusasazeni). Nangona kunjalo, ukufumana ixabiso lenkcazo ayilo mdlalo olula, kunye nee-market order. Wena unenceba yeengcali ezininzi kunye neemarike, ekubeni uthenga amasheya amaninzi. Kwaye ukuba usebenzisa imiyalelo yesigxina, unokufuneka ulinde ixesha ukugqiba ugcino lwakho.
Imirhumo. Ayikho imfihlo ukuba ii-ETF zinenzuzo enkulu yerhafu ngaphezu kwezinye iimali-mali ezinjengeemali eziphathekayo, kwaye iinkokhelo azikho. Xa wenza nayiphi na yorhwebo inzuzo ngelixa uthengisa okanye uthengisa i-securities kwisikitikiti se-index, uza kufuneka uhlawule uMalume uSam kuzo zonke ezo mpu melelo.
Kwaye baya kwiirekhodi ngokukhawuleza nje xa ubenza, nokuba ugcwalisa ibhasikidi yakho okanye akunjalo.
Nge-ETF, inkunzi yentlawulo yerhafu iyasebenza xa uthenge okanye uthengisa i-ETF yonke . Ekubeni i-ETF iyimpahla enye, ukuzuza kwii-securities kwingxowa-mali kubalwa kuphela xa kuthengiswa i-ETF, ngokungafani neemali zentengiso okanye iinkokhelo.
ETF ezingenayo. Ukuba uhamba ngeyona nkcazo ethile, ukukhawuleza izitokisi ezininzi kunokubangela ukuphazamiseka kwiimigca zakho kunye nenkampani yakho yokucima. Nangona kunjalo, ii-ETF ezinqamlekileyo zikuvumela ukuba wenze isikhundla esifutshane ngaphandle kokuthengisa nayiphi na isabelo. Ngeemali ezingenayo, ngokwenene uthengisa ixabiso.
Ukhetho. Njengoko sithethi, kukho ii-ETF ezininzi ezilandelelweyo inkcazo, ngoko unenzuzo yokukhetha. Ukuba kukho iimali ezimbini okanye ngaphezulu ezilandelelana ngoluhlu olufanayo, ungakhetha i-ETF eyona nto ifanelekileyo kwisicwangciso sakho sokutyalomali .
Kukulungele ukukhetha.
Khetha. Ukuthetha ngokukhetha, olu luncedo lokugqibela lukhulu kunenzuzo ye- ETF ngaphezu kwesicatshulwa esingathintekiyo, kodwa enye enye iyafaneleka ukuxoxa.
Kwezinye iziganeko, ukhetho lweenkcukacha ze-ETF olusebenzayo lungasebenza kangcono kunokusebenzisa i-index ngokwayo. Esi siqhinga esiphambili sokurhweba kunye nesinye esinokudala imiba eqinile, kodwa xa isetyenziswe ngokuchanekileyo, kunokukunceda ukuba wenze isithuba esinqatyisiweyo ngokukhawuleza kunye nexabiso elijoliswe bhetele kunokuba usebenzisa i-index engundoqo. Kwaye njengoko siyazi, ukukhawuleza kunye nexabiso lixhalaba enkulu xa kuthengiswa ngemini. Nangona kunjalo, ndigxininisa ukubaluleka kokuphanda ngokucokisekileyo kwesi sicwangciso ngaphambi kokuyisebenzisa ngokufanelekileyo, akusiyo imbeko.
Ingaba isicatshulwa esingcono kune-ETF (okanye i-vice versa)? Akukho mpendulo ecacileyo. Kuxhomekeka ngokwenene kwimeko. Nangona kunjalo, izizathu zingasentla zinokuchaphazela isigqibo sakho kwaye sinethemba ukukunceda wenze okulungileyo.