I-ETF vs Amasheya - Izinzuzo Nezinkinga Zombili

Ngesikhathi sika tshala imali eStock Market kunabantu abathanda ukukwenza ngqo ngokuthenga amasheya ngenkathi abanye bethanda sebenzisa ama-ETF njengendlela yokutshala imali. Zombili lezi zinhlelo zinobuhle nobubi futhi lapha sizochaza ukuthi yini umehluko omkhulu ukuze ngamunye akwazi ukukhetha ukuthi yiluphi uhlelo olulungele yena. Kepha okokuqala, ake sicacise ukuthi a ETF (Exchange Traded Funds or Spanish Quoted Funds) yisikhwama sokutshala imali amasheya aso adayiswa emakethe yamasheya ngakho-ke ziyizindlela ezimbili ezinokufana okuningi. Manje ake sibone umehluko wabo.

I-ETF vs Ukuthengwa Kwesitoko

1. La ikhono lokukhetha amanani: Ekutshalweni okuqondile ku-Stock Market ngumuntu ngamunye okhetha izibambiso afuna ukutshala kuzo futhi angazifaki kuzo, kuyilapho i-ETF ivame ukuphindaphinda inkomba ethile efana ne-ETF ephindaphinda i-Ibex ukuze kuthi lapho uthenga leyo-ETF uthenga zonke izinkampani ezakha i-IBEX namaphesenti afanayo enkampani ngayinye maqondana nenkomba. Lokhu akuyona inzuzo uqobo noma inkinga ngoba kuya ngephrofayili yomtshali-zimali kungakuhle ukhethe futhi uthenge amasheya akho noma umphathi wesikhwama akwenze lokho.
2. Izimali zine- ikhomishini yokuphathaYize ikhomishini yokuphatha kwi-ETF imvamisa iphansi kakhulu (kufanele kucatshangwe ukuthi umphathi kufanele aphindaphinde inkomba ethile, elula) ukuba khona kwayo sekuvele kwenza inzuzo ibe ngaphansi kunokuthenga amasheya ngqo esikhwameni . 
3. I-Los izimali zenza lula ukufinyelela ezimakethe ezikude noma eziyinkimbinkimbi. Uma, ngokwesibonelo, sifuna ukutshala imali eJapan Stock Exchange ngqo ngokuthengwa kwamasheya, kuzofanele sifunde leyo makethe, izinkampani zayo bese sikwazi ukunquma ukuthi yiziphi okufanele sizithenge. Sizodinga noMthengisi osebenza eJapan futhi enze yonke imisebenzi enenkinga eyengeziwe yohlelo. Ukwenza konke lokhu kube lula, uma konke esikufunayo kungukutshala imali eJapan, kulula kakhulu ukuthenga isikhwama esidayiswa ngokushintshana esilandelayo Nikkei.
4. Kokubili kukhiqiza Imali engenayo ehlukanisiwe: Mayelana nalokhu, zombili izindlela zisebenza ngokufanayo kusukela ezimali ezihwebelana bayaba izinzuzo. Umehluko kuphela ukuthi i-ETF inenzuzo encane kancane ngenxa yemali yokuphatha esesivele siyixoxe ngaphambilini.

Lapho umehluko usuchaziwe, iseluleko sami ukuthi kulabo abanephrofayili yabatshalizimali abaphakathi, sebenzisa zombili lezi zinhlelo ngokulandelayo:

• Tshala imali ngqo kumasheya ezimakethe eziseduze owaziyo. Uma uyazi kahle i-IBEX ne-American Stock Market kungcono-ke ukuthi uzithengele amasheya akho ngqo ngoba ususe izindleko zokuphatha isikhwama futhi uzoba nomkhawulo wokuthenga kuphela lezo zinkampani ezifanele ukutshalwa kwakho isu.
• Tshala imali nge-ETFs ezimakethe ezikude. Uma, ngenxa yokwehlukahlukana kwezindawo, ufuna ukutshala imali kumaStock Exchange akude futhi ongakuqondi kahle, kungakuhle ukusebenzisa i-ETF ukwenza konke kube lula futhi kungabi nengozi kangako. Ngale ndlela ugwema ukuthi uchithe izinyanga uhlaziya izinkampani, amanani, ama-PER's, njll. Isikhwama sizoyiphinda leyo nkomba ngokunembile futhi uzobe usunemali oyitshalile kuleyo makethe.

Ngiyethemba ukuthi indatshana yanamuhla ibikuthanda. Okuningi kusasa!