Iwe unonzwisisa musiyano pakati pe ETFs uye mutual funds here?
Mubvunzo wedu ndewekuti, "Ko nhaurirano ye ETFs neyekudzivirirana mari inenge iine hutungamiri hwekutonga pamwe nekushanda kwekushanda kwekushanda? Kana zvakadaro, ndeipi motokari yemotokari yaunofanira kusarudza?
ETFs kana mutual funds? "
Deloitte's Study: ETFs vs. Mutual Funds
Deloitte, rimwe remasangano makuru emasangano emasangano munyika, rakabudisa ruzivo rwadzo rwema 2009 pamusoro pekuti kana vasiri vashandi vanofanira kusarudza ETFs nekushamwaridzana mari. Basa ra Deloitte rinosanganisira kutsvakurudza kwakanakisisa uye chokwadi kune vanotanga-kupa mhedziso yakajeka yehurukuro. Zvinosuruvarisa, zvinopererwa nekupa ruzivo rwomumwe munhu ruzivo rwunoda iwe kana uri kuedza kuita sarudzo kana kutenga maTFF kana kuti mutengo wemari yepodfolio yako.
Deloitte's study inotsanangura nzira yekusika-rudzikinuro, basa revashandi vanobvumirwa uye zvikamu zvitatu zvakasiyana zveEFF. Apo chikamu chacho chinopera - sezvinoita zvinenge zvose zvandakanyora pamusoro pehurukuro - iri kutora zvakanaka kutarira kuti sei vatengi vangazosarudza kutenga ETF pamusoro pemari pamwe chete kana zvimwewo.
Zvakare, Deloitte kudzidza inonyanya kuverengwa kana uchida kudzidza zvakawanda pamusoro pezvinoita kuti ETFs dzakasiyana nedzimwe mari.
Asi, ndinotenda kusarudzwa kworudzi rupiro rwekutsvaga kwekutsvaga - kana imwe chete ichisarudzwa - ihwo huri mubvunzo wekusavhiringidza nehutano hwekugadzirisa maitiro, uye hausi wega wega. Vamwe varimi vanogona kusarudza kuva neFTF pamwe chete nemari yekubatanidza kukwidziridza ma portfolios avo. Zvinyorwa zvese, kuongororwa kwezvakanaka uye kukanganisa kweEFF mbiri uye mutengo wemari chete hazvizokubatsiri kusarudza kana imwe sarudzo yekutsvaga yakakunakira iwe.
Passive vs. Active; ETFs vs. Mutual Funds
Kana iwe uchida kusarudza kana zvakakosha kuti iwe uzviise mune zve ETFs kana kuti mutual funds, danho rokutanga raunoda kutora rinoda kuti unzwisise kushingaira nekushambadzira mazano ekutsvaga mari. Kana iwe uchitenda mukushanda kwakasimba pamusoro pekusimudzira masimba (kureva, iwe unofunga kuti kune kukosha kune mumwe munhu achisarudza mabhizimusi akasiyana-siyana pamusoro pehuwandu-based index), zvino iwe unosarudza mutual funds (Hongu, pane dzakawanda zveEFF dzakachengetedzwa, asi hazvina kukwana kusarudza kubva panguva iyi).
Kana iwe uchitenda mune mari inenge isingakwanisi kutariswa (nokuda kwezviri nyore, ngatitumidze iyi "indexing"), saka iwe unofanira kufananidza ETF kuti uenzanise mari pamwe chete usati waita sarudzo yako yekutsvaga. Mune mamwe mazwi, usabatwa mumusungo iyo ETFs inodhura, yakawanda inobhadhara mitero, nezvimwewo zvakadaro - chokwadi ndechokuti kune musiyano muduku pakati pe ETFs dzinoona zvikamu zvakakura-nhamba uye nhamba yehurumende yemari (maererano yebhadharo uye kubhadhara mitero).
Muti wekugadza: ETFs vs. Mutual Funds
Saka, nzira inotevera yezvematongerwo enyika neyeTFs vs. mutual money debate ndeyekutonga pakati pe ETFs pamwe nemari yemari. Kana iwe ukasarudza kuti mari yehurukuro ndiyo sarudzo yakanakisisa kwauri, danho rinotevera nderokutsvaga mari shoma.
Asi ramba uchifunga nezvekutengesa mari. Zvichienderana nemutengi wako kana mutual fund kambani iyo iwe unobata mari yako yekusimwa, zvinogona kuva nemari yekutengesa inosangana ne ETF kana mutual fund. Saka iwe unoda kuwana mari iyi usati watenga.
Somuenzaniso, kana iwe uri kutenga zvikamu kamwe pamwedzi uye unosarudza ETF iyo inokwereta $ 7.95 mari yekutengesa nguva dzose paunenge uchitenga, asi iyo yakafanana index mutual fund haina mari yakadaro, iyo index mutual fund inogona kunge iri nani chisarudzo.