A Peji yeE ETF dzakakwirira dzinobhadhara zvinoparadzaniswa
Iwe unogona kuisa mune zveEFF dzakanakisisa munharaunda yekutsvaga asi kana isiri iyo yakakodzera zvakakwana zvekutsvaga kwako kwekutsvaga, kana kana izvi zvikwereti zvisingakodzeri kukanganisika kwako kwengozi, iwe unogona kuita kukanganisa kunogona kutungamirira kumatadzo asina kunaka .
Zvakakoshawo kuti uve nekunzwisisa zvakajeka kwekuti ETFs inoshanda sei uye inyaya dzipi dzekutsvaga mari ndiyo yakanakisisa yekutsvaga ne ETFs.
Nokudaro usati wasvetuka kune rumwe rutivi rwezvikamu zvakanakisisa zveTFF, tanga nemasimboti emitambo iyi yakakurumbira yekuisa mari kuitira kuti uve nechokwadi chokuti iwe sarudzo yakanaka kwauri uye kudiwa kwako kwekutsvaga.
Usati Waita InFs
Kunyangwe iwe uri muchengeti we ETF ane ruzivo, zvakakosha kuti udzokerezve nheyo dzekuti ETFs dzinoshanda sei uye kuti ungashandise sei kuti zvive zvakanaka.
Hezvino zvinhu zvinokosha zvekuziva nezveE ETs musati maita mari:
- ETF is an acronym inomirira exchange-traded fund. Vanogona kungorondedzerwa sehuwandu hwematokari nemari pamwe chete.
- ETFs inotengeswa mukati mezuva sematokari; Mutengo wemari unoshandiswa pamagumo ezuva, apo mari yemari inoshandiswa (NAV) yezvibvumirano zvinogona kugadziriswa.
- Kufanana nemari pamwe chete, vagovani vematunhu eEFF havasi ivo pachavo vane zvisizvo zvehupfumi zvehupfumi; ivo vane zvikamu zvehupfumi pachayo, iyo inobva yatenga zvikamu zvezvinhu zviri pasi.
- Kufanana nemari yekuongororwa, ETFs haisi kunyatsotarisirwa uye inotevedzera purojekiti yekuenzanisa. Izvi zvinoreva kuti ETFs dzine purofiti yakaderera kana ichienzaniswa nemari inobatanidzwa pamwe chete.
- ETFs inowanzova nemari yakaderera yakaenzana kana ichienzaniswa kunyange iyo yakaderera-yakatengesa nhamba yemari yemari.
- ETFs hadzina huwandu hwekutanga huwandu hwekutsvaga mari, asi mutual funds inowanzodikanwa kutengeswa kwema $ 1 000 kana kupfuura.
Kutaura muchidimbu izvi, ETFs dzinoshanda sehurukuro yemari pamwe chete asi dzinowanzova nemari shoma, iyo inogona kuwedzera kukurumidza kwenguva refu, uye zviri nyore kutenga.
ETF Imitero uye Best Account Types dzekutenga uye Kubata Dhigirii ETFs
Chimwe chezvikomborero zvikuru zveEFs chinouya semubairo wekutsvaga kwekutsvaga, sezvinotaurwa munhare dzebhuruti pamusoro. Kudengesa kwepasi kunoreva kuti kune zvishoma zvishoma kutenga uye kutengesa kwekubata kwepanyika panguva ipi zvayo gore rakapiwa. Uye kana chikwereti chiri nechokuita mutengo, mitero inowanzopera nokuti hama yakadengesa kutengesa kwechibvumirano chepasi zvinoreva kudhura kwekuwana mari inowanikwa kune vagoveri ve ETF.
Izvi zvinoita kuti ETFs dzigadzirise mazano ekutengesa maakarenda . Asi vatengesi vari kutsvaga chikomborero chakanaka ETFs vanofanira kunge vachiziva mitero inogona kuwanikwa kubva kune zvikamu .
Zvakakosha kucherechedza kuti vashandi ve ETF vanogona kubhadhara mari pane zvikwereti zvemari, kunyange kana kugoverwa uku kuri kugamuchirwa nemari kana kuti kugoverwa mune zvimwe zvikamu zvehomwe. Uyezve, kune dzimwe nhesi-dzakatarirwa uye dzekodha-dzakabhadharwa nhoroondo, dzakadai seIRA, 401 (k) kana annuity, zvikwereti hazvibhadharwi kumusimari paanenge akachengetwa munhoroondo. Pane kudaro, mutero wacho achabhadhara mitero yemari pamitambo yekubvisa panguva yegore rinotengeswa kugovera (withdrawal) kunoitwa.
Nokudaro vamwe vashandi veEFF vanotenga uye vanobata zvikamu zveFETF vangave vachida kufunga kuti vanozvigadzirisa mune imwe nhoroondo yakabhadhara mitero seyendarama yeRA kana Roth IRA.
Rongedzo Yezvakanaka Zvokugovera ETFs
Chero pose paunowona chero rudzi rwe "rakanakisisa" runyorwa, zvakakosha kuziva kuti izvi zvinyorwa zvinogona kunge zvichitenderera, zvichireva kuti zvakanakisisa kune mumwe munhu, zvakadai somunyori wezvenyu, zvingasava zvakanakisisa kune mumwe munhu.
Mutsamba iyi ye ETFs yakanakisisa, tinosanganisira mari ine zvinangwa zvepamusoro uye maitiro. Mumashoko akasiyana, aya ETFs haasi avo vanobhadhara zvikwereti zvakanyanya. Semuenzaniso, chibereko chakawanda chekugoverana mari inogona kunge ine chibereko chakakura kubva kune zvikamu kune chikamu chekuonga chikwereti, chinowanzoita kuti zvikwereti zvive nezvikamu zvakakura.
Nezvo zvakataurwa, uye pasina urongwa humwe, apa pane gumi zvehurura dzakanakisisa dze ETFs kutenga:
1. Vanguard High Dividend Kubhadhara (VYM):
Iyi ETF chikamu kubva kuVanguard inofanirwa neFTSE High Dividend Yield Index, iyo inomirira zvinopfuura 420 mashizha anounza zvikwereti zvakakwirira. Chibereko chezvino cheVYM chinokwana 3,10 kubva muzana uye chiyero chekudhura chiri pasi-dombo re08 muzana, kana $ 8 ye $ 10 000 inotengeswa.
2. Vanguard Dividend Appreciation (VIG):
Vatengesi vanotarisa kuti vabate tswanda yematokari emakambani ane nhoroondo yekuwedzera zvikamu zvavo vanogona kutenga kutenga ETF seVanguard's Dividend Appreciation fund. Iyi ETF inotarisa NASDAQ US Dividend Achievers Select Index (yaimbozivikanwa seChipuiti Achievers Select Index), inosanganisira zvikamu makumi mapfumbamwe nemasere. Chibereko chezvino cheVIG chikamu 1.92 kubva muzana uye chiyero chekudhura chiri 0.09 muzana.
3. iShares Select Dividend Index (DVY):
Iyi ETF chikamu kubva kuBlackRock inotarisa rondedzero yematokari makumi 100 ane rekodhi yekubhadhara zvikwereti kwemakore mashanu akapfuura. Muchero wemazuva ano unenge wakareba pa 3.13 muzana uye mari inosvika 0.39 muzana.
4. iShares Core High Dividend (HDV):
Vashandi vanotarisira ETF yakabhadhara iyo inopa kuwanikwa kune zvikamu makumi manomwe nemakumi mashanu zvezvikamu zvinokonzera chikamu chekuAmerica iyo, maererano nekambani yevabereki BlackRock, "yakarongedzwa nezvehutano hwemari," inofanira kuongorora HDV. Chibereko chezvino chiri 3.35 kubva muzana uye chiyero chebhadharo chakaderera 0,08 kubva muzana.
5. Guggenheim Multi-Asset Income (CVY):
Vashandi vasiriko vanofunga kuti havafungi kubhadhara mari yakakwirira kuti vawane zvibereko zvakakwirira vangafarira zvavanoona mune ino ETF. Iko mari inotarisa Zacks Multi-Asset Index, inosanganisira anenge mashomanana zana emakambani anotenga chikwereti. Iko inotengeswa inenge inenge zvikamu zviviri kubva muzvitatu zveSUS mashizha nemasara mune kusanganiswa kwezvikwata zvekunze uye zvisungo. Chibereko chezvino cheCVY chikamu 4.73 kubva muzana uye chiyero chekudhura chiri 0.84 muzana.
6. PowerShares KBW High Dividend Inobhadhara Mari Nehupfumi (KBWD):
Iyi ETF chikamu kubva kuWordShares inobudirira zvakakonzerwa nokukwanisa kuisa purofisitiri pamatanda emakambani mune zvemari. Nhamba yebhadharo inonyanya kukwirira pa 2.99 muzana asi chibereko chazvino che 9,60 muzana chinonyanya kukwirira. KBWD inotevera KBW Nasdaq Financial Sekugoverwa Kwekugoverwa Kwekutsvaga Index, iyo inosanganisira inenge makumi mana, uye yakawanda yadzo inotora zviduku mumatambudziko emari. Nhamba yacho, maererano neWestShares, "inoshandiswa-chikamu chekugovera-chiremba chinyorwa chinotsvaka kuratidza kushanda kwekambani dzakadaro."
7. ALPS Muchidimbu Dividend Dogs (SDOG):
Vashandi vanotarisa kuti vawane zvikwereti kubva ku " Dogs of the Dow " mashizha vanogona kufunga kuwedzera kuDOGOG kumabasa avo. SDOG inotarisa S-Network Sector Dividend Dogs Index, inotanga ne S & P 500 index, uye inoisa muchengeti wega yega kuti ipe misikanano yakasiyana yemashizha ekuparadzanisa. Muchero wezvino we SDOG ndewe 3.59 muzana uye chiyero chemari chinokwana 0,40 muzana.
8. SPDR S & P Dividend (SDY):
Imwe yeT ETF shomanana chete yekuwana nhamba ye -5-star kubva Morningstar , ETF iyi inosarudzwa ndeyemari yakanakisisa mari ine mari inonzwisisika inobatanidza kusarudzwa kwakawanda kwezvikwereti. SDY inotarisa S & P High Chibereko Chokugoverana Aristocrats Index, iyo inosarudzwa inenge zana yemashamba ekugovera. Chibereko chezvino cheSADY chikamu 2.27 kubva muzana uye chiyero chemari chinokwana 0,35 muzana.
9. WisdomTree SmallCap Dividend Fund (DES):
Dzimwe nguva zvinonzwisisika kuti zvakasiyana-siyana kubva kune imwe nzvimbo yakakura-yegoveranisi ETF uye kuwedzera mukana wakanaka we-capF ETF kusvika mukusanganiswa uye DES ndeimwe yeEF dzakanakisisa yekuzadzisa chinangwa ichi. DES tracks the WisdomTree SmallCap Dividend Index, iyo inofanirwa neWhisdomTree, inotsanangurwa "inosanganisira makambani anonyora pasi 25 muzana yemakethe yemari yeWerdomTree Dividend Index mushure mokunge makambani mazana matatu akakura." Muchero wezvino weCENT ndiwo 3.35 muzana uye chiyero chebhadharo chinokwana 0,38 muzana.
10. Schwab US Equity Dividend (SCHD):
Vashandi vanotarisira kutsvaga mari shoma kune zvikwereti zvakabhadhara zvakakosha muUnited States vachada kutarisa SCHD. Iko mari inotora Dow Jones US Dividend 100 Index, iyo inosanganisira dzimwe dzepamusoro-soro dzinokonzera-kubudisa mashizha muUnited States Ikozvino chibereko chiri 2.95 kubva muzana uye chiyero chemari chinodhura 0.07 muzana.
Ikozvino iwe unayo - iyo yakanakisisa 10 inoshandiswa ETF mari kubva pane zvakasiyana-siyana zvekusarudzwa. Ingoyeuka kuti chinhu chinonyanya kukosha pakusarudza iyo ETF dzakanakisisa nokuda kwezvinangwa zvako zvekutsvaga ndeyokusarudza yepamusoro yekutengesa motokari dzinofananidzwa nenguva yako yekusangana uye kushivirira kwekukuvara.
Zvinonzwisisika: Mashoko ari pawebsite ino anopa mazano ekukurukurirana chete, uye haafaniri kushandiswa zvisina kunaka sekutsvaga mazano. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.