ETF Ukwahlula Inkcazo
Ukwahlukana kwe-ETF yinkqubo yokuthatha inani lezabelo ezibalaseleyo kunye nokuphindaphinda kabini ivolumu, ngelixa lihlula ixabiso. Ngokuqhelekileyo ii-ETF ziyahlukana zimbini ukuya kweyodwa, kodwa zinokuvela kwiirati ezahlukeneyo ezifana neyesithathu okanye ezine ukuya kwelinye.
I-ETF ikwahlula njani umsebenzi?
Masithi, umzekelo, ukuba i-ETF ithengisa i-$ 100 kwaye ine-500,000 izabelo ezibalaseleyo. Ukuba isahlulo se-ETF sichazwa, ixabiso lesitokisi (ukukhawulela nayiphi na iindaba okanye ezinye iimarike), ziya ku-$ 50 (ergo ukwahlukana) kunye nenani labelo eliza kuphuma liza kusuka kuma-500,000 ukuya ku-1,000,0000 (ngokuphindwe kabini ).
Ngoko ke, ukuba unesabelo esisodwa se-ETF, iphothifoliyo yakho ifanele i-$ 100 (isamba esingu-100 x 1 share). Emva kokuqhekeka, izabelo zakho ezitsha ziza kuzuza i-$ 50, kodwa uya kuba neesabelo ezimbini endaweni enye. Ngoko ixabiso lakho lephothifoliyo liza kuba lixabisa i-$ 100 (i-$ 50 x 2 izabelo). Ngoko kubalulekile ukuba uqaphele ukuba ixabiso lakho leepotfoliyo lilonke aliyi kutshintsha, kodwa uya kuba neengxenye ezingaphezulu kwixabiso eliphantsi.
Kwaye njengoko ndathi, ukwahlukana akusoloko kwenzeka kumlinganiselo womlinganiselo omnye. Maxa wambi ii-ETF ziyakwazi ukwahlula iindlela ezintathu okanye ezine. Ngoko usebenzisa umzekelo ofanayo, masithi ukuhlukana kwaba ezine ukuya kweyodwa. Uza kuba neengxenye ezi-4 kwi-25 yezigidi, kodwa i-portfolio yakho iyonke iya kuxabisa i-$ 100 (ii-4 izabelo x $ 25).
Kutheni i-ETF ihlukanisa?
Kwiimeko ezininzi, ii-ETF zihlukanisa ukwenza ixabiso likhangeleke ngakumbi kubanini-mali. Ukuba unako i-ETF ye $ 50 okanye i-$ 100, unokukhetha ntoni? Ndiyazi ukuba kukho izinto ezininzi ezibandakanyekayo-inani lezabelo ezivelele, uphando, imimiselo yemarike, njl - kodwa nangona kunjalo, ukuba utyalo-mali uthanda i-fund ethile, ibonakala ekhangayo kwi $ 50 loo $ 100 kwaye inokuthenga ezinye izabelo kwisabelo-mali sakhe I $ 50 kunokuba angakho kwi $ 100.
Ukuchazwa kweNgcaciso yeSahlulo
Ukuguqulwa okuchaseneyo kukuchasene ne-ETF eqhekezayo, kodwa ufumane umncinci omncinci. Masithi sineengxenye ezine ze-ETF ezithengisa kwi-10. Iphothifoliyo yakho yonke ixabisa i-$ 40 (izabelo ezine x $ 10). Emva koko kwahlulwa ukwahlukana kwezinto ezimbini. Ngoko izabelo ezine zibe zizabelo ezi-2 (eziphambene nokuhlukana rhoqo) kwaye intengo yesabelo ngasinye iya kwi-20 ye-20 (kabini). Ngoko iphothifoliyo yakho isasazi i-$ 40, unayo izabelo ezimbalwa.
I-ETF Splits engafanelekanga
Kwezinye iimeko, ukuchithwa kungenakucatshulwa yimali yamasheya kwipotifoliyo yakho. Kwaye kwakhona, ngokubhekiselele kumzekelo wethu, ukuba i-split eyodwa iyabhengezwa ezintathu, izabelo zakho ezintathu ziya kwesinye kwaye isabelo sakho esongezelelweyo (sesine) siya kuba "sesithathu" sesabelo emva kokuhlukana okuchaseneyo. Kodwa ekubeni ungeke ube neyesithathu senxaxheba kwi-akhawunti yakho, uya kufumana imali elinganayo neyesithathu.
Ngoko usebenzisa umzekelo wethu - unayo izabelo ezi-4 kwi-$ 10. Ulwahlulo oluthathu luyaziswa. Ngoku unesabelo esisodwa kwi-$ 30 kwaye isahlulo sesithathu sabelo, okuyiyo ixabisa i-$ 10 (i-$ 30/3). Kodwa esikhundleni sokuthwala isahlulo sesithathu senxaxheba, uza kufumana i-$ 10 ngemali kwipotfoliyo yakho. Ngoko isabelo sakho se-ETF sithengisa i-$ 30 kwaye unayo i-$ 10 ngemali.
Ixabiso elipheleleyo = i-$ 40 (i-$ 10 yenkokhelo + yesabelo se-$ 30). Ixabiso elipheleleyo liphinde lihluke ngokufanayo emva kokuhlukana.
Kutheni Kufuneka Uphendule Izinto Ezixhamlayo?
Ngokuqhelekileyo xa ixabiso liba liphantsi kakhulu kwi-ETF, umniki-mboleko unokumemezela ukwahlukana okutshintshileyo ukubuyisela intengo kwakhona kwizinga elithengiswayo ". Okanye i-fund ingashenxisa ukuhlukana ukuze ibonakale ibaluleke ngakumbi kwamehlo omtyalo okanye mhlawumbi igweme ukuya ngaphantsi kwaye ilahleke . Ezinye ii-ETF zinenqanaba lamanani elibangela ukuhlukana ngokuchaseneyo kwezi zizathu.
Ngoko umgca wukuthi ukwahlukana kwe-ETF okanye rhoqo kwi-ETF akuyi kuba nefuthe inani elipheleleyo leendawo zakho, kodwa liya kutshintsha inani lemali eyakho kunye nexabiso lokurhweba. Ngoko ukuba unayo i-fund kwipotfoliyo yakho eye yamemezela ukwahlukana, qiniseka ukuba uyaqonda ukuba kuya kuthinta njani ixabiso lexabiso lezithuba zakho kunye nesicwangciso sakho se- ETF sokutyalomali .
Kwakhona, ngaphambi kokuba wenze nayiphi na imisebenzi ye-ETF, unokufuna ukujonga emva kwimbali yengxowa kwaye ubone ukuba i-ETF ikhe yahlukana okanye iyahlukana. Kwaye, njalo, qonda ingozi yokuthengisa i-ETF okanye nayiphina impahla. Qiniseka ukubonisana nomrhwebi wakho okanye uchwepheshe wezezimali xa unemibuzo okanye ukukhathazeka.