Ngexesha le tyala imali kwiNtengiso yeStock kukho abantu abakhetha ukuyenza ngokuthe ngqo ngokuthenga izabelo ngelixa abanye bekhetha Sebenzisa ii-ETF njengendlela yotyalo-mali. Zombini ezi nkqubo zinezinto ezilungileyo nezingalunganga kwaye apha siza kuchaza ukuba zeziphi umahluko ophambili ukuze umntu ngamnye akwazi ukukhetha eyona nkqubo ilungileyo kuye. Kodwa okokuqala, masicacise ukuba a ETF (Utshintshiselwano ngeeNgxowa-mali eziThengisiweyo okanye iiNgxowa-mali eziCatshuliweyo zaseSpain) yingxowa mali yotyalo-mali izabelo zayo ezithengiswayo kwimarike yemasheya ngenxa yoko ziindlela ezimbini ezinokufana okuninzi. Makhe sibone ukungafani kwabo.
ETF vs Ukuthengwa kwesitokhwe
- La Isakhono sokukhetha amaxabiso: Kutyalo-mali ngqo kwiStock Market ngumntu ngamnye okhetha ukhuseleko apho afuna ukutyala imali nalapho angenalo, ngelixa i-ETF ihlala iphinda-phinda isalathiso esithile esifana ne-ETF eziphinda-phinda i-Ibex ukuze xa uthenga loo ETF uthenga zonke iinkampani ezenza i-IBEX kunye nepesenti enye nganye ngokubhekisele kwisalathiso. Oku akuyiyo inzuzo okanye ingxaki kuba kuxhomekeke kwiprofayili yomtyalomali kunokuba ngcono ukhethe kwaye uthenge izabelo zakho okanye wenze umphathi wengxowa-mali akwenze.
- Iimali zine ikhomishini yolawuloNangona ikhomishini yolawulo kwi-ETF ihlala iphantsi kakhulu (kufuneka ithathelwe ingqalelo ukuba umphathi kufuneka aphindaphinde isalathiso esithile, esilula) ubukho bayo sele busenza ukuba inzuzo ibe sezantsi kunokuba uthenga izabelo ngqo engxoweni. .
- Los imali iququzelela ukufikelela kwiimarike ezikude okanye inzima. Ukuba, umzekelo, sifuna ukutyala imali kwiJapan Stock Exchange ngokuthe ngqo ngokuthenga izabelo, kuya kufuneka sifunde loo marike, iinkampani zayo kwaye ke sikwazi ukuthatha isigqibo sokuba zeziphi esiza kuzithenga. Siza kudinga noMthengisi osebenza eJapan kwaye enze yonke imisebenzi ngengxaki eyongeziweyo yeshedyuli. Ukwenza lula konke oku, ukuba konke esikufunayo kukutyala imali eJapan, kulula kakhulu ukuthenga ingxowa-mali yokurhweba elandelayo elandelayo Nikkei.
- Zombini zivelisa Ingeniso yesahluloKule meko, zombini ezi ndlela zisebenza ngokufanayo ukusukela oko kuthengiswa imali bahambisa Izabelo. Ukwahlukana kuphela kukuba i-ETF inenzuzo encinci ngenxa yemali yolawulo esele sithethe ngayo ngaphambili.
Nje ukuba umahluko uchaziwe, ingcebiso yam yeyokuba kwabo banephrofayili yomtyali mali ophakathi, sebenzisa zombini ezi ndlela zilandelayo:
- Tyala imali ngokuthe ngqo kwizitokhwe kwiimarike ezikufutshane ozaziyo. Ukuba uyazi i-IBEX kunye neAmerican Stock Market kakuhle ke kungcono ukuba uzithengele ezakho izabelo ngokuthe ngqo okoko uthathe iindleko zokulawula ingxowa-mali kwaye uya kuba nomda wokuthenga kuphela ezo nkampani zilungele utyalomali lwakho qhinga.
- Gcina imali kwi-ETFs kwiimarike ezikude. Ukuba, ngenxa yokwahluka kwejografi, ufuna ukutyala imali kwiiStock Exchange ezikude kwaye ungaziqondi kakuhle, kungangcono ukusebenzisa i-ETF ukwenza yonke into ibe lula kwaye ingabi nengozi kangako. Ngale ndlela uyakuphepha ukuba uchithe iinyanga uhlalutya iinkampani, amaxabiso, ii-PER's, njl. Ingxowa-mali iyakuphindaphinda isalathiso ngokuchanekileyo kwaye uza kuba notyalo-mali kuloo marike.
Ndiyathemba ukuba inqaku lanamhlanje linomdla kuwe. Ngakumbi ngomso!