Ngaphandle kwamathandabuzo, enye yezona mveliso zezezimali ezifanelekileyo ukwenza ukonga inzuzo yi-ETFs. Ezi ziimali ezirhweba ngokutshintshiselana ngokubonakaliswa ikakhulu ngenxa yokuba zimele imeko ephindwe kabini. Kungenxa yokuba, ngumxube kuyilo lwayo phakathi kweyiphi ingxowa-mali kunye nokuthengwa kwezabelo kwiimarike zezabelo. Kuba nangona ulwakhiwo lwayo lufana ncam nokuba zeziphi iimali zotyalo mali ngokwesiko. Kwelinye icala, ibonisa ukhetho lokuthenga ngokungathi yibhasikithi yamaxabiso. Ngumahluko omkhulu wokuba bathengiswa esidlangalaleni njengamasheya.
Enye yakhe enkulu iminikelo ihlala kuloo nto ikuvumela ukuba uzibeke nakuyiphi na iasethi eyimali. Ukusuka kwiimarike zesitokhwe esicocekileyo okanye kwezinye iintengiso ezizezinye. Izinyithi ezixabisekileyo, izinto ezingavuthi okanye ezinye izinto ezinokuyilwa ezintsha zezinye zezindululo zotyalo-mali onazo kule mveliso yemali ukusukela ngoku. Ingasebenza njengotyalo-mali oluphambili okanye njengokusebenza okuhambelanayo kwigalelo lakho kwimarike yemasheya. Ukuba, kuyo nayiphi na imeko, imveliso ebhetyebhetye kakhulu.
Enye yeenzuzo zokufumana ezi modeli zotyalo-mali kukuba unokuvala izikhundla ngalo naliphi na ixesha ofuna ngalo. Akukho maturities njengakwezinye uyilo lwee-equity. Inokuba ziiveki ezimbalwa emva kokuvula izikhundla okanye nokuyishiya kangangexesha elininzi lokubonwa kweminyaka emininzi. Izibonelelo zotshintshiselwano ngemali ezithengiswayo zifikelela kwinqanaba apho unokukhetha khona iimveliso Iziphumo zengeniso esisigxina. Ngeebhonasi njengobhejo oluphambili lwale bhegi ikhethekileyo esiyicebisayo kweli nqaku.
ETF: Kutheni ezi mveliso?
Ukuba ukhetha ukurhweba ngemali njengeyona ndlela ilungileyo yotyalo-mali lwakho, kuya kufuneka uyazi ukuba esi sicwangciso sibandakanya uthotho lweempawu ezichazwe kakuhle. Awuyi kuba nanto unokuyenza ngaphandle kokuba ubazi ukuze bafumane okuninzi kwesi sindululo sokwenza ulondolozo lwelinye icebo lahluke kakhulu kuleyo imelwe yimarike yemasheya. Kukhona ezinye Umahluko omkhulu malunga nokuthengwa nokuthengiswa kwezokhuseleko. Ngaphezulu kunokuba unokucinga kwasekuqaleni. Ngaba uyafuna ukuzifumana ukusukela ngoku ukuya phambili?
Ukufumanisa ukuba yeyiphi imali enezi mpawu ekufuneka uzikhethele lo nyaka usandula ukuqalisa, awusenaso esinye isisombululo ngaphandle koku yiya kwelona lifunwa kakhulu. Yinto encinci ukuba iimarike zezemali zikunika malunga neenjongo zabatyali mali abanamava. Hayi ngelize, bayidlala bekhuselekile kwaye phantse ngalo lonke ixesha bafumana iinjongo zabo zilungile. Banokukunika ngaphezulu koluvo olunye ngendlela yokuhambisa iiasethi zakho ukusukela ngoku.
Ngale ndlela, iimarike azikhange zibonise ntshukumo ingakumbi kwiiveki ezidlulileyo. Kodwa ngokuchaseneyo, baye bahamba phantsi komda omncinci kakhulu kwixabiso labo. Ukuya kwinqanaba lokuba uya kuba noxanduva lokuqonda ngakumbi ukuba zeziphi iimali ezithengiswayo apho imali engaphezulu nangaphantsi ingena. Iya kuba sisixhobo esiluncedo kuwe ukwenza izigqibo eziphambili kwihlabathi lotyalo-mali kulo nyaka.
Ixabiso elikhulu lezorhwebo
Ii-ETFs ezinxulunyaniswa nemveliso zezinye ze-ETFs eziqhube kakuhle kunyaka ophelileyo. Kananjalo ngesiqalo esithembisayo sonyaka. Ngaphezulu komndilili wexabiso lokuthengisa. Isiteyitimenti esipheleleyo senjongo kwinto enokwenzeka kwezi nyanga zokuqala zonyaka. La ngamatyala athile otshintshiselwano ngemali ethengiswayo isekwe kwikofu okanye kwirhasi yendalo. Benze imbuyekezo efanelekileyo. Ngokukodwa ukuba imeko yeemarike eziqhelekileyo zemali ithathelwa ingqalelo.
Imali ethatha inxaxheba kwigolide yenye yabaphumeleleyo ukuza kuthi ga ngoku. Ngembuyekezo ecetyiswayo kukonga. Nangona mhlawumbi ingxaki enkulu yokuhambisa olu tyalo-mali kukuba unokufika emva kwexesha ukuvula izikhundla. Ezandleni ukuba into oyifunayo kukubuyela okuhle, bonisa amanani aphindwe kabini. Njengoko ubona, sesinye sezindululo onazo kwezi mveliso zemali.
Elinye icebiso linokuhamba nge iimarike ezikhulayo. Hayi kuphela kwimarike yemasheya, kodwa nangezinye iiasethi zemali zomdla ongathandabuzekiyo. Phakathi kwengeniso esisigxina ekhutshwe ngamanye ala mazwe ayikhutshelwa ngaphandle. Ngamanye amaxesha, ngolwazi olunokubabazeka kakhulu. Ngokuvisisana nokubheja okucacileyo kufuneka utyale imali kunyaka omtsha.
Imayini ye-asethi iyenyuka
Ngokwengcaciso ebonelelwe ngabanye abameli bezezimali, zezona zinto zivelweyo kweli candelo ezinamathuba amahle kunyaka ka-2017. Kungenxa yokuba, izimbiwa ezisisiseko ziphezulu kwileli. Ukuza kuthi ga kwinqanaba lokuba yenye yezo zikhethwe ngabarhwebi ukugcina imali yakho ukusukela ngoku. Kumgca wesibini, nangona kungabalulekanga kangako, kukho ezithile ezithile. Umzekelo, ubhedu kunye nentsimbi. Unokuba ngunyaka wabo kwaye ngale ndlela unokuya phambili kwiminyhadala.
Kwakhona, ezinye izinto zotshintshiselwano ziphezulu kwiingcebiso ukuba uza kukhetha imali ethengiswayo. Batyekele ngakumbi kwizabelo zaseYurophu kunakwizabelo zaseMelika. Nangona kunokubakho isimanga kule meko. Ukwenza oku, kuya kufuneka ujonge kuyo yonke into eyenzekayo kwezona ndawo zibalulekileyo zokutshintshiselana ngesitokhwe emhlabeni. Ayothusi into yokuba ithuba lokushishina lingavela nangaliphi na ixesha. Ukuthatha ithuba ngeli thuba, awunakukhetha ngaphandle kokuba kubonelelwe ngemali efanelekileyo. Malunga nokwanelisa iimfuno eziza kuvela kulo nyaka kutyalo-mali ekufuneka ulwenzile. Ayizukuba ngumbuzo wokumosha. Hayi kangako.
Akukho khetho olunokuba luncedo kangako
Ngaphakathi kutyalo-mali kolu didi lweemveliso zemali, banokuvelisa ezinye iindlela ezingonelisiyo kwimidla yakho njengomgcini. Okanye ubuncinci iimeko ezimbalwa zokwenza imbuyekezo kwizikhundla ezivulekileyo. Ezi zizinto ekuya kufuneka uziphephe ukuba awufuni kuba nesothuso esingaphezulu kwesinye kwiinyanga ezizayo. Ngezindululo ezithile ezingalungelanga umdla wakho konke konke.
Enye yezona zinto zidimazekileyo kukuya kwezinye zeemarike zezabelo zamanye amazwe. Njengakwimeko ethile ye- Mekhsikho, Ezineembono zazo malunga nokuvela kweyona indices iphambili ayizizo ezilungileyo ngeli xesha langoku. Kuba banokuhlisa amaxabiso abo ngenxa yemigaqo-nkqubo kamongameli wangoku wase-United States, uDonald Trump. Enye iasethi engacetyiswanga yezemali yioyile. Kule meko, isizathu sayo kungenxa yokuba ukunyuka kweenyanga ezidlulileyo kugqityiwe. Ngaphandle kokulindelwe ekukhuleni kwayo.
Kananjalo, ngokoluvo lweengcali zabahlalutyi beemarike, icandelo lekhemesti liza kuba yenye yezo zingenakuqhuba kakuhle ukuba ukhetha iimali ezithengiswa ngemali njengesixhobo sotyalo-mali kule klasi yeenkampani. Ngamafutshane, ibonelela ngemida yokukhula embi kunamanye amacandelo. Ezi ke zizindululo ekungafanelekanga ukuba uzikhombe kwimisebenzi eyenziweyo kwezi mveliso zemali.
Izibonelelo zokungena kwi-ETFs
Kukho uthotho lwezibonelelo eziza kwenziwa ngumrhumo wakho. Phakathi kwabo, ukufikelela kuluhlu olubanzi lweeasethi zemali. Kuzo zonke iintlobo kunye nendalo eyahlukileyo eya kukunceda emsebenzini wokuphuhlisa iphothifoliyo yakho yotyalo-mali kwezi zihlandlo zichanekileyo. Ukongeza kwezinye eziya kuba zilungele wena ukuba uzithathele ingqalelo xa kuvavanywa iminikelo evela kuluhlu lwemali.
- Banokusebenzela zombini ukuvula izikhundla ekuhambeni okunyukayo njengakwiibhere. Ukuze ngale ndlela ukwazi ukusebenzisa yonke imeko enokwenzeka. Nokuba yeyona nto imbi kakhulu kwimidla yakho. Ngokukhetha okuninzi ukuze ibhalansi yakho yokujonga ikwandiswe.
- Yimveliso bhetyebhetye ngakumbi kunabanye, nangona ifuna ulwazi oluthe kratya kwezemali. Ngaphezulu kokuthengwa nokuthengiswa kwezabelo kwimarike yemasheya. Ngenjongo yokwazisa yonke imisebenzi yeentshukumo ukuvula nokuvala indawo.
- Ziimodeli zotyalo-mali ifikeleleke ngokweekhomishini nemirhumo yolawulo esebenzayo. Nokuba kutshiphu kunokurhweba kwimarike yemasheya. Ewe kunjalo, lo mba awuzukukwenza uyeke ukuqesha i-ETF.
- Ziyafumaneka kwisibonelelo esikhoyo abasibonisa sona kuwo onke amaziko emali. Ukuya kuthi ga kwinqanaba onokukhetha phakathi kwalo iifomati ezahlukeneyo. Apho iidinomineyitha zabo eziqhelekileyo kukuba batshintshiselana ngemali ngemali. Kodwa kuncinci kakhulu.
- Olunye lweempawu ezibaluleke kakhulu kwezi mali ungaphakathi kuzo unako dibanisa umvuzo ongaguqukiyo nokwahluka ngezindululo ezininzi zezindululo zakhe. Ukuze uthathe ithuba lokuhamba kakuhle kwezi asethi zemali.
- Ziimodeli zotyalo-mali ezi yenzelwe onke amaxesha okuhlala. Ukusuka kweyona imfutshane ukuya kweyona inde. Kuxhomekeke kwiprofayili oyivezayo njengomtyali mali omncinci nophakathi. Nokuba ungakanani umxholo wale mveliso yezemali.
- Azingcono okanye zimbi kunezinye iimveliso. Ziyathandeka kuphela ukuba ziyinyani ukuhlangabezana nolindelo lwakho lotyalo-mali. Ukwenza oku, kuya kufuneka uhlalutye ukuba kuya kuba lula na kuwe ukuba ubhalise ngaphezulu kolunye uyilo olwenziweyo kwilizwe lemali.