Ukwakha i-Classic 3-Fund Portfolio kunye ne-ETFs

Indlela elula yokwakha iPortfolio

Iipotifoliyo ze-three-fund ziye zaba yindlela eyaziwayo yokutyalo-mali kwiimarike zezimali, zinikezelwa ngokulula kwazo kunye neentsebenziswano zabo zerhafu nakwezinye iimali. Ngokuqhelekileyo, ezi zifofoliyo ziquka enye yeefowuni yenkxaso-mali yekhaya, enye imali ye- stock index index , kunye ne-index index bond. Iingcamango kukuba abatyali-mali bayabonakaliswa kuzo zonke iiklasi ze-asethi ezinkulu kwiipotifoliyo ezintathu.

Ngokuxhomekeke kwinqanaba lobomi bomntu-mali, ukwabiwa kwempahla eyahlukeneyo kunokukhethwa kwiqela ngalinye. Abatyalomali abaselula banokunikela imali eninzi yemali kwii-equity equity, ngelixa abatshali-mali abasakhulayo bangabonakalisa ngakumbi kwiimpahla ezikhuselekileyo ze-bond. Ngethuba lexesha, ukunikezelwa kwee-asethi kungatshintsha ukuze kuqinisekiswe ukuba utyalomali ugcina inqanaba elifanelekileyo lomngcipheko wexesha lawo.

Kule nqaku, siza kujonga indlela yokukhetha imali efanelekileyo xa ukwakhiwa kwipotfoliyo ukwenzela ukuba ulungelelaniso lwentlawulo ehlaziywe ngengozi .

Indlela yokukhetha iNgxowa-mali

Iingxowa-mali zentathu zengxowa-mali zingabonakala ngathi yingcamango elula kumhlaba, kodwa kunye namawaka eemali ezahlukileyo ukukhetha kuyo, ngokukhawuleza kuba ngumsebenzi osongelayo abatyali-mali ngabanye. Ngethamsanqa, kukho imithetho elula ukuba abatyala-mali bangayisebenzisa ukuqinisekisa ukuba bafumana intle ngempumelelo, okwenza kube lula ukunciphisa indalo yemali kwi-target target.

Iinkalo eziphambili ukujonga kuyo nayiphi na ingxowa-mali yilezi:

• Ukulinganiswa kweendleko - Imali leyo umphathi wezezimali ehlawula njengepesenti yezinto eziphathekayo ngonyaka ubizwa ngokuba ngumlinganiselo weendleko (ngokufanelekileyo, eli nani kufuneka libe liphantsi).
• Ubutyala - Kufuneka kubekho inani elaneleyo lezabelo ezithengiswa ngemini nganye ukunciphisa umngcipheko wokungakwazi ukuthengisa izabelo zakho .

• Iphutha lokulandelela - Ingxowa-mali ifanele igxilise ngokucacileyo inkcazo engaphantsi kwindlela yokulandelwa kweephene (ngokukodwa kwi-ETF yamazwe ngamazwe).

Abanini-zimali abaninzi abazalisekisa isicwangciso-mali se-fundfolio bathabatha inxaxheba kumnye umboneleli we-ETF xa bekhetha imali. Ngokomzekelo, iVanguard kunye neSwawa zimbini zeenkonzo ze-ETF eziphantsi kweendleko ezinokukhetha ezininzi. Inzuzo yokusebenzisa umlungiseleli ofanayo kukuba yenza kube lula ukulandelela imali ngexesha, kuba iifowuni ziyafika ngexesha elifanayo kunye nayo yonke into.

Umzekelo omhle unokuthi ube yi-Vanguard iphothifoliyo equkethe i-Vanguard S & P 500 Index Index (i-NYSE: VOO), i-Vanguard FTSE Yonke-ye-US Ex-US ET (i-NYSE: VEU) kunye ne-Vanguard Total Bond Market ETF (NYSE: BND ). Le mali yonke inomlinganiselo ophantsi kakhulu weendleko , ukuthengwa kwemali ephezulu, kunye nephutha eliphantsi lokulandelela, elinikezela abatyalo-mali ukuba baveze ngokubanzi kwiimarike.

Ziziphi iifowuni zokuzikhetha

Kukho iintlobo ezininzi ezahlukeneyo ze-ETFs zokukhetha ukususela xa ukwakhiwa kwipotfoliyo. Ngokomzekelo, abatyali-mali banokukhetha i- ET & S 500 ye-ETF , njenge-SPDR S & P 500 ETF (NYSE: SPY), okanye i-market engama-Russell 2000 ETF, njenge-Russell 2000 Index ETF (NYSE: IWM).

Bobabini banikezela ukungena kuma-US equities, kodwa ngeendlela ezahlukeneyo, okwenza kube nzima ukwenza isigqibo.

Ezinye iingcebiso zokukhetha uhlobo lweengxowa ziquka:

• Ukuchithwa - abatyalo- mali kufuneka bakhethe iimali ezinamanani ahlukeneyo okuhlukeneyo, zombini ngokubhekiselele kwinani leziqinisekiso kunye nokusasazeka phakathi kwamacandelo ahlukeneyo oqoqosho. Ukongezelela, abatyali-mali bangathanda ukucinga ngemali engaqingqiweyo kwiimali zeemarike kuba oko kuthanda iinkampani ezinkulu.
• I-ETFs ye-Bond yamazwe ngamazwe - Abatyalo-mali kufuneka baqwalasele i-ETFs ye-bonds yamazwe ngamazwe, kuba banika inkxaso kuyo nayiphi na inzala yemeko, kunokuba bathembele kummandla wezoqoqosho wase-US. Nangona kunjalo, abatyali-mali abasondela kumhlalaphantsi banokukhetha ukuzinza kwi-dollar yase-US, eyayiza kwenza i-ETFs ibe yinto ekhethekileyo.

• I-ETFs yamazwe angaphandle ase-US - Abatyalo-mali kufuneka baqinisekise ukuba ukungabikho kwamazwe ngamazwe akubandakanyi iimpahla ze-US, kuba sele sele zichazwe ngokulinganayo kuloo marike kwisinye kwisithathu sepotfolio. Ngoko, ii-ETFs ezibizwa ngokuba yi "ET-US" zihlala zenza ingqiqo.

Ngaphantsi

Abatyalomali kufuneka babe ne-ETF equityanisiweyo ye-market equity, i-ETF, kunye ne-ETF kunye ne-ETF yamazwe ngamazwe. Izaziso zewebhu ezifana ne-ETFdb.com zinokukunceda ekunqumeni iindlela ezikhethileyo kuzo zonke iindidi, ngelixa abatshali-mali kufuneka bahlale bekhumbula iingcebiso ezikhankanywe ngasentla xa benza izigqibo ukwenzela ukwandisa ukubuyiswa kwazo kwexesha elide.