Ama-ETF amaningi asebenzayo ukungena ezimakethe

etf

Ngaphandle kokungabaza, omunye wemikhiqizo yezimali efaneleke kakhulu ukwenza ukonga okunenzuzo yi-ETFs. Lezi yizimali ezihwebelana ngokushintshaniswa ezibonakala ikakhulu ngoba zimelela isimo esiphindwe kabili. Ngoba empeleni, iyinhlanganisela ekwakhiweni kwayo phakathi kwesikhwama sokutshala imali nokuthengwa kwamasheya ezimakethe zokulingana. Ngoba yize ukwakheka kwayo kufana ncamashi nokuthi yiziphi izimali zendabuko zokutshala imali. Ngakolunye uhlangothi, iveza inketho yokuthenga njengokungathi kubhasikidi wamanani. Ngomehluko omkhulu wokuthi zidayiswa esidlangalaleni njengoba kwenza amasheya.

Omunye omkhulu wakhe iminikelo uhlala kulokho okukuvumela ukuthi ubeke wena kunoma iyiphi impahla yezezimali. Kusuka ezimakethe zesitoko kuphela noma kusuka kwezinye izimakethe ezihlukile. Izinsimbi eziyigugu, izinto zokusetshenziswa noma ezinye ezintsha kakhulu ezinye zeziphakamiso zokutshala imali onazo kulo mkhiqizo wezezimali kusuka manje. Kungasebenza njengokutshalwa kwemali okuyinhloko noma njengokusebenza okuhambisanayo eminikelweni yakho emakethe yamasheya. Ukuba, noma kunjalo, umkhiqizo oguquguqukayo kakhulu.

Enye yezinzuzo zokuthola lezi zinhlobo zokutshala imali ukuthi ungavala izikhundla nganoma yisiphi isikhathi ofuna ngaso. Akukho ukuvuthwa njengakwamanye amadizayini wokulingana. Kungaba amasonto ambalwa ngemuva kokuvula izikhundla noma ukusishiya isikhathi saphakade seminyaka eminingi ebonwayo. Izinzuzo zezimali ezihwebelana ngokushintshisana zifinyelela eqophelweni lokuthi ungakhetha nemikhiqizo okutholakele kwemali engenayo engaguquki. Ngamabhonasi njengokubheja okuyinhloko kwalokhu kubheja okukhetheke kakhulu esikuphakamisa kule ndatshana.

ETF: Kungani le mikhiqizo?

Uma ukhetha izimali ezithengiswa ngokushintshana njengenketho engcono kakhulu yotshalo-mali lwakho, kufanele wazi ukuthi leli su libandakanya uchungechunge lwezici ezichazwe kahle kakhulu. Ngeke ube nokunye ongakwenza ngaphandle kokubazi ukuze bazuze kakhulu kulesi siphakamiso sokwenza ukonga elinye isu kwehluke kakhulu kuleso esimele imakethe yamasheya. Kukhona ezinye umehluko omkhulu maqondana nokuthengwa nokuthengiswa kwamasheya. Ngaphezu kwalokho ongakucabanga kusukela ekuqaleni. Ngabe uyafuna ukuwathola kusuka manje kuqhubeke?

Ukuthola ukuthi yiziphi izimali zalezi zici okufanele uzikhethele lo nyaka ezisanda kuqala, ngeke ube nesinye isixazululo ngaphandle kwalokhu iya kokufunwa kakhulu. Kukhomba okuncane ukuthi izimakethe zezimali zikunikeza ngezinhloso zabatshalizimali abanolwazi kakhulu. Hhayi ngeze, bayidlala iphephile futhi cishe njalo bathola izinhloso zabo zilungile. Bangakunika umbono ongaphezu kowodwa wokuthi ungawafaka kanjani amafa akho kusukela manje.

Ngale ndlela, izimakethe azikhombisanga ukunyakaza okuteleke kakhulu emasontweni edlule. Kepha kunalokho, bathuthele ngaphansi kwamamaki amancane kakhulu ngentengo yabo. Kuze kube seqophelweni lokuthi uzoba nesibopho sokwazi kakhulu ukuthi yiziphi izimali ezithengiswa ngokushintshana lapho kungena imali ethe xaxa. Kuzoba ithuluzi eliwusizo kakhulu kuwe ukwenza izinqumo ezisemqoka emhlabeni wokutshala imali kulo nyaka.

Ukuqhuma okukhulu kwempahla

ikhofi

Ama-ETF axhunyaniswe nempahla kube okunye kokusebenza kahle kakhulu ngonyaka owedlule. Futhi ngokuqala konyaka okuthembisayo. Ngamanani wokuhweba angenhla okumaphakathi. Isitatimende sonke senhloso yokuthi yini engenzeka kusuka kulezi zinyanga zokuqala zonyaka. Lezi yizimo ezithile zezimali ezihwebelana ngokushintshaniswa kusekelwe ekhofi noma igesi yemvelo. Benze izinzuzo ezifanele kakhulu. Ikakhulukazi uma kubhekwa isimo sezimakethe ezijwayelekile zezimali.

Izimali ezibamba iqhaza kwigolide zingenye zabaphumelele kakhulu kuze kube manje. Ngezimbuyiselo ezisikisela kakhulu kokonga. Yize mhlawumbe inkinga enkulu ngokuhambisa lolu tshalomali ukuthi kungenzeka wephuze kancane ukuvula izikhundla. Ezandleni uma okufunayo kuyimbuyiselo enhle, khombisa amadijithi aphindwe kabili. Njengoba ukwazi ukubona, kungenye yeziphakamiso onazo ngaphakathi kwale mikhiqizo yezezimali.

Esinye isiphakamiso singadlula kufayela le- izimakethe ezikhulayo. Hhayi kuphela ngemakethe yamasheya, kodwa nangezinye izimpahla zezimali zenzalo engangabazeki. Phakathi kwalapho imali engaguquki ekhishwa ngamanye ala mazwe ayinqatshelwe. Kwezinye izimo, ngamandla okubonga abanzi kakhulu. Ukuvumelanisa nokubheja okucacile kakhulu okufanele utshale imali onyakeni omusha.

Imayini impahla iyanda

izimayini

Ngokolwazi olunikezwe abanye abalamuli bezezimali, yizo kanye izimpahla ezivela kulomkhakha ezinamathuba amahle kakhulu onyakeni ka-2017. Ngoba impela, amaminerali ayisisekelo aphezulu esitebhisini. Kuze kube seqophelweni lokuthi ngomunye walabo abakhethwe ngabarhwebi ukonga imali yakho kusukela manje kuqhubeke. Emugqeni wesibili, yize ungabalulekile kangako, kukhona okunye okucacisiwe. Ngokwesibonelo, ithusi nensimbi. Kungaba unyaka wabo futhi ngale ndlela ungaya ngaphambi kwemicimbi.

Futhi, okunye ukushintshana kungaphezulu kwezincomo uma uzokhetha izimali ezithengiswa ngokushintshaniswa. Bathambekele kakhulu emalini yaseYurophu kunaseMelika. Yize kungaba nezimanga kulokhu. Ukuze wenze lokhu, kuzofanele unake kakhulu konke okwenzekayo kuma-stock exchange abaluleke kakhulu emhlabeni. Akumangalisi ukuthi ithuba lebhizinisi lingavela nganoma yisiphi isikhathi. Ukusizakala ngaleli thuba, ngeke ube nenye indlela ngaphandle kokuthi ube kuhlinzekwe ukwesulwa kwemali okudingekayo. Thanda ukwanelisa izidingo ezizovela kulo nyaka kuzitshalomali okufanele uzithuthukise. Ngeke kube ngumbuzo wokumosha. Hhayi kancane.

Akuzona izinketho ezinenzuzo kangako

Ngaphakathi kokutshalwa kwezimali kuleli banga lemikhiqizo yezimali, bangakhiqiza ezinye izindlela ezinganelisi ngezintshisekelo zakho njengesilondolozi. Noma okungenani ngezimo ezimbalwa zokukhiqiza ukubuyisa kuzikhundla ezivulekile. Lezi yizo okufanele uzigweme uma ungafuni ukumangala okungaphezu kokukodwa ezinyangeni ezizayo. Ngezinye iziphakamiso ezingavuni izintshisekelo zakho nakancane.

Enye yezinto ezidangele kakhulu ukuya kwezinye izimakethe zamazwe ngamazwe zokulingana. Njengasesimweni esithile se- I-México, imibono yabo ekuguqukeni kwama-indices ayo ayiyona engcono kakhulu yesikhathi samanje. Ngoba bangehlisa amanani abo ngenxa yezinqubomgomo zikamongameli wamanje wase-United States, uDonald Trump. Enye impahla yezezimali engaqondisiwe uwoyela. Kulokhu, isizathu saso kungenxa yokuthi ukukhuphuka kwezinyanga zokugcina sekuphelile. Ngokulindelwe okumbalwa ekukhuleni kwayo.

Futhi, ngokombono wochwepheshe babahlaziyi bemakethe, umkhakha wekhemisi uzoba ngomunye ongeke uhambe kahle uma ukhetha izimali ezidayiswa ngokushintshana njengethuluzi lokutshala imali kuleli banga lezinkampani. Ngamafuphi, inikela ngamamaki wokukhula amabi kakhulu kuneminye imikhakha. Ngakho-ke lezi yiziphakamiso okungafanele ukhombe kuzo ekusebenzeni okwenziwa ngale mikhiqizo yezezimali.

Izinzuzo zokuthola izinkontileka ze-ETFs

Kukhona uchungechunge lwezinzuzo ezizokhiqizwa ukubhaliswa kwakho. Phakathi kwabo, ukufinyelela kuzimpahla ezahlukahlukene zezezimali. Kuzo zonke izinhlobo nemvelo ehlukahlukene ezokusiza emsebenzini wokuthuthukisa iphothifoliyo yakho yokutshala imali kusuka kulezi zikhathi eziqondile. Ngaphezu kokunye okuzoba lula kuwe ukuthi ukubheke lapho uhlola iminikelo evela kwizikhwama ezibalwe.

  • Bangasebenza bobabili ukuvula izikhundla ukunyakaza okunamandla njengamabhere. Ukuze ngale ndlela ukwazi ukusizakala ngazo zonke izimo ezingenzeka. Ngisho nokuphikisana kakhulu nezintshisekelo zakho. Ngezinketho eziningi ukuze ibhalansi ye-akhawunti yakho yokuhlola ikhuliswe.
  • Kungumkhiqizo nezimo kakhudlwana kunabanye, noma kudinga ulwazi oluthe xaxa lwezezimali. Ngaphezulu kokuthengwa nokuthengiswa kwamasheya emakethe yamasheya. Ngenhloso yokufaka yonke imisebenzi yezinhlangano ukuvula nokuvala izikhundla.
  • Bangamamodeli wokutshala imali engabizi ngokwamakhomishini nezimali zokuphatha ezisebenzayo. Ngisho kushibhile kunokuhweba emakethe yamasheya. Vele, lesi sici ngeke sikwenze uyeke ukuqasha i-ETF.
  • Ayatholakala ekunikezelweni kwamanje abakulethela kona kuzo zonke izikhungo zezezimali. Ngezinga ongakhetha phakathi kwalo amafomethi ahlukile. Lapho okujwayeleke kakhulu kubo ukuthi bayizimali ezidayiswa ngokushintshana. Kepha kuncane kakhulu okunye.
  • Enye yezimpawu ezibaluleke kakhulu zalezi zimali ungaphakathi kwazo ungakwazi hlanganisa imali engenayo engaguquki nokuhlukahluka ngokusebenzisa iziphakamiso zakhe eziningana. Ukuze ukwazi ukusizakala ngokuhamba okuhle kwalezi zimpahla zezezimali.
  • Bangamamodeli wokutshala imali emiselwe zonke izikhathi unomphela. Kusukela emfushane kakhulu kuya kokude kakhulu. Kuya ngephrofayili oyethula njengomtshalizimali omncane naphakathi nendawo. Akunandaba okuqukethwe kwale mikhiqizo yezezimali.
  • Azingcono futhi azimbi kakhulu kuneminye imikhiqizo. Zithandeka kuphela uma kunjalo ukuhlangabezana okulindele utshalomali. Ukuze wenze lokhu, kuzodingeka uhlaziye ukuthi kuzoba lula yini ukuthi ubabhalisele ngaphezu kweminye imiklamo enikezwe amandla emali.

Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.