Aya EFF Epamusoro Anogona Kushandiswa Kuvaka Zvose Zvikamu
Tisati tapinda muurongwa hwemari, ngationgororei nheyo dzeT ETF kuti tive nechokwadi chokuti iyi yezvikwata zvekutsvaga yakakodzera kudiwa kwako kwekutsvaga.
ETF Tsanangudzo, Basics uye Kufananidza Mutual Funds
Kunyangwe iwe usina kumbobvira uine mari muT ETF, mikana yakanaka kuti wakanzwa nezveiyo inotengeswa motokari yemotokari. Asi zvakadini ETFs?
ETF is an acronym inomirira Exchange-Traded Fund. Izvo zvakafanana nemari pamwe chete mune zvekuti ivo ndeyevhesi dzisina kukwana dzinobata bhasiki rezvivimbiso zvepasi. Kufanana nemari yekuenzanisira, vazhinji vesangano re ETFs vanonyatsotevedzera nhamba yekuenzanisa, seS & P 500 index , NASDAQ 100 , kana Russell 2000 . Asi ndipo apo kufanana kweT ETF nemari yekubatana kwemagumo kunoguma.
Kusiyana nemari yemari, ETF dzinoitengesa masikati sematokari, asi mutengo wemari unoshandiswa pakupera kwezuva. Izvi zvinopa huwandu hwakasiyana mukusarudza nzvimbo yekupinda, inogona kushandisa nguva shomanana kuchinja mumutengo. Zvisinei, ETFs inogona kunge yakasarudza kusarudzwa kwekutsvaga kwevatengesi venguva refu, iyo imwe yakafanana kune yavo index index mutual fund cousins.
Nemhaka yekusava nemafungiro avo uye kusazvipira, ETFs dzinowanzova nemari shoma kudarika mutengo wemari. Uye nokuti pane zvishoma zvishoma zvekuchengetwa kwemapuritoreti ezvinyorwa zvinokosha, ETFs inonyanya kushandiswa mutero, iyo inoita kuti vave nenjere dzakanaka dzekodhadhi dzekwereta.
Iye zvino nemasangano matsva anobuda munzira, iwe unongosiyiwa nebasa rokusarudza dzakanakisisa ETFs kuti dzibatisise pamapatoti ako.
Sezvo neine simba rekusiyana nemari pamwe chete nemamwe marudzi ekutsvaga, zvakachenjera kuisa zvinopfuura ETF kune zvizhinji zvinangwa zvekutsvaga.
Best ETFs Inotarisa Mahombekisi Makuru Makuru
Kuti titange mararamiro edu gumi eEF anonyanya kubatira chero chinangwa chekutsvaga mari kana mararamiro, tichazotanga nemari yakawanda inoshandiswa iyo inoona zvidimbu zvakasiyana-siyana. Izvi zvinorevei kuti idzi ETFs imwe neimwe inotevedzera nhamba inobata zvigadzirwa mumativi akawanda. Zvisinei, mumwe nomumwe ane zvayo
1. Spider S & P 500 (SPY) : Kuzarura kune vatengesi muna 1993, SPY ndiyo ETF yekutanga inowanika pamusika. Sezvo zita rayo rinoratidzira, SPY inonyatsotarisa S & P 500 index, iyo inomiririra kupfuura 500 ematokari makuru muU.S., sezvinoyerwa nemari yemari. Izvi zvinoreva kuti vagoveri vanowana nzvimbo dzakasiyana-siyana dzezvikwata zvakaita Apple (AAPL), Microsoft (MSFT), uye Alphabet (GOOG). SPY inogona kushanda zvakanaka seyakasimudza mari yekutsvaga kwenguva yakareba yezvinangwa zvekutsvaga kwekutsvaga kana sekubata kwekuita mune imwe nzvimbo yakasiyana-siyana. Vashandi vanogona kunge vachiziva kuti, kunyange zvazvo SPY inobata mazana ematokari, kupera kwemazuva mashomanana kukosha kunofanira kutarisirwa. Nhamba yebhadharo yeSPY inongova 0.0945 muzana, kana $ 9.45 gore negore ye $ 10 000 inotengeswa.
Izvi zvinoita kuti SPY igare yakadarika kupfuura vazhinji veS & P 500 index index.
2. iShares Russell 3000 (IWV) : Varimi vanoda ruzivo rwakasiyana-siyana kupfuura S & P 500 inopa, vachada kunyatsoongorora IWV. Iyi ETF inotarisa Russell 3000 index, iyo inomirira anenge 3,000 masango eSouth, mazhinji ayo ari mahombekombe makuru. Zvisinei, IWV inobatawo zviduku-uye mid-cap-stocks, iyo inokonzera kubata kwakasiyana-siyana kune S & P 500 index index. IWV inogona kuva sarudzo yakanaka kune vashandi vekutsvaga kutanga kutanga kuisa mari ne ETFs. Ichokwadi kuti IWV inobata zana muzana mashomanana zvinoreva kuti vatengesi vanofanira kunge vane nguva yakareba kwenguva yakareba uye yepamusoro yekutengesa kwengozi. Nhamba yebhadharo yeIWV inokwana 0,20 muzana, kana $ 20 pagore ye $ 10 000 inotengeswa.
3. iShares Russell 2000 (IWM) : Iyi ETF inogona kuva sarudzo dzakanaka kune vashandi vane utsinye vanoda kutsvaga zvakakwana kune zviduku zviduku.
IWM inotevera Russell 2000 index, iyo inomiririra inenge zviuru zviviri zveAmerica zviduku zviduku. Zviduku-zvidhi zvinotengesa zvinotengeswa pamusika kupfuura mahombekombe makuru asiwo vane mikana yekudzoka kwenguva refu. IWM inogona kuita sarudzo yakanaka yepa satellite mune imwe nzvimbo yepamusoro kuburikidza nekuwedzera kuwana mikana nekuderedza dambudziko kuburikidza nekusiyana-siyana. Mariro yeIWM inokwana 0,20 muzana, kana $ 20 gore negore kune $ 10 000 inotengeswa.
4. Vanguard S & P 400 Mid-Cap 400 (IVOO) : Vanguard inonyanya kuzivikanwa nekuda kwehupfumi hwavo hwepamusoro, husingabhadharwi, uye pasina mutoro asiwo vane kusarudzwa kwakasiyana-siyana kweE ETs uye IVOO inogona kunge yakanakisisa pakati pemakumbo ETF pamusika. Mid-cap motokari inowanzoti "inotapira" yemusika nokuti yakave yakarongeka yakareba yakareba kwenguva refu kudzoka kupfuura yakakura-mashizha ematokari paine kutaperera kwemashizha kudarika zviduku zviduku. Izvozvi zviviri zviri muhutano hunoita kuti IVOO isarudze sarudzo yekushandisa sechisimba chinogadzirisa kubata kana sekutenderera kune S & P 500 index index. Nhamba yebhadharo yeVOO inenge 0.15 muzana, kana $ 15 gore rimwe nerimwe kusvika rinenge $ 10 000 inotengeswa.
5. iShares MSCI EAFE (EFA) : Kana waifanira kusarudza imwe chete yekutengesa ETF kutenga, EFA ingasarudzwa zvakanaka. Iyi ETF inocherechedza index yeMSCI EAFE, iyo inomiririra zvikwata zvinopfuura 900 mumatunhu akaumbwa enyika yeEurope, "Australasia" (Australia neNew Zealand), uye Far East, iyo inoumba EAFA zita. Nzvimbo idzi dzinosanganisira huru-uye mid-cap cap holdings. Kushambadzira kune dzimwe nyika kunotakura kutakura misika yemakero kudarika kutyara kwekuAmerica, izvo zvinoreva kuti EFA inoshandiswa zvakanakisisa sedaretete inobata pane imwe nzvimbo yemahofisi. Nhamba yebhadharo yeEFA inokwana 0.33 muzana, kana $ 33 pagore ye $ 10 000 inotengeswa.
6. Shares Core Aggregate Bond (AGG) : MuTF imwe chete, mutengesi anokwanisa kutora musungo weUnited States yose uye izvi zvakasiyana-siyana zvinoita kuti AGG ive yakasimba yekubata chikamu chekuwana chikamu cheporofigoreti kana sechimire chega chechikwama chesangano. Nokuda kwechikamu che55 chete yebhadharo, iwe unogona kuwanikwa kune zvinopfuura 6 000 zvisungo.
Best ETFs for Sectors
Kuisa mari mune zvemari haisi yevanhu vose asi vanogona kunge vakachenjera kuwedzera kune chero nzvimbo ipi zvayo kuitira chinangwa chekusiyana-siyana uye nokuda kwekukwanisa kuwedzerwa kwenguva refu. Nekupedzisira kwemari mana mudura rwedu rweEFs dzakanakisisa, tichajekesa mari yemari.
7. Utano Hwakanaka SPDR (XLV) : Iyi ETF inotarisa mune zvehutano, iyo inozivikanwa nekuda kwezvikomborero zvayo zvekugara kwenguva refu uye zvidziviriro. Ihutano hwezvehutano hwaisanganisira makambani emishonga, zvikwata zvebiotechnology, vatori vezvipatara, makambani echipatara, nezvimwewo. Nevanhu vakwegura uye kubudirira mumishonga, urongwa hwehutano hwakagadzirirwa kuve sarudzo yepamusoro yehupenyu huri mberi. Chikonzero chikonzero chehutano hwehutano hunofungidzirwa kuti chiri kudzivirirwa ndechokuti vanowanzoita kuti kukoshesa kwavo kuve nani kudarika mararamiro akawandisa panguva yekuderera kukuru. Vanhu vachiri kunoda mushonga wavo uye kushanyira chiremba mune recessions. Nhamba yebhadharo yeXLV iri 0.14 muzana, kana $ 14 pagore ye $ 10 000 inotengeswa.
8. Energy Select Sector SPDR (XLE) : Simba rekugonesa rinogonawo kuwedzera kunaka kune mamwe mabasa eEFF. Simba rinosanganisira makambani anobudisa mafuta uye gasi chaiwo. Sezvo mafuta ari zvishoma zvishoma, mutengo wemagetsi unogona kunge uchikwira kumusoro, sezvinozoita mutengo wemashonga emagetsi. Nhamba yebhadharo yeXLE iri 0.14 muzana, kana $ 14 pagore kune $ 10 000 inotengeswa.
9. Zvishandiso Sarudza Mutambo SPDR (XLU) : Zvishandiso zvinosanganisira makambani anopa mazano ekushandisa, zvakadai segesi, magetsi, mvura, uye foni kune vatengi. Kufanana nehutano, zvigadzirwa zvinenge zvichidikanwa nevatengi pamusika ekudengenyeka, izvo zvinoita kuti zvikwata zvive zvakanaka kudzivirirwa mitambo uye zvishandiso zvemhando dzakasiyana-siyana kune chero nguva ipi zvayo yehupfumi. Nhamba yebhadharo yeXLU iri 0.14 muzana, kana $ 14 pagore zve $ 10 000 inotengeswa.
10. Vashandi Vekushandisa Sarudza Mutambo SPDR (XLP) : Kana uchida zvakasiyana-siyana zvezvikwata zvinodzivirira, mutengi wezvokudya zvekushandisa inzira yakanaka yekuita chinangwa ichocho. Zvokushandisa zvevatengi zvinhu izvo vatengi vanozvitenga kuti vararame zuva rega rega. Zvimwe zvezvinhu izvi zvinosanganisira zvinhu zvehutano, zvokudya, zvinoshandiswa, doro, uye fodya. Nhamba yebhadharo yeXLU iri 0.14 muzana, kana $ 14 pagore zve $ 10 000 inotengeswa.
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. Kent Thune haasi iye pachake ane chero chekudzivirirwa kwepamusoro apa sekunyorwa uku asi iye anovabata mune dzimwe katekiti.