Nzira iyo Mutual Funds uye ETFs dzakasiyana
Kufanana kweMutual Funds uye ETFs
Vashandi vakawanda vanoda kudzidza pamusoro pekutsinhanisa-kutengesa mari (ETFs), edza kuwana ruzivo pamusoro pekuti vakasiyana zvakadini kune mutengo wemari.
Asi tisati taenda pamusoro pezvakasiyana pakati pezviviri, pane zvishoma zvishoma zvakafanana zvakakosha izvo zvinokosha kuziva.
Heino mvumo yekubatana mari pamwe ne ETFs zvakafanana:
- Idzo dzakasiyana-siyana dzekutsvaga mari: Zvose mari pamwe chete ne ETFs zvinopa vashandi kutenga bhasikiti rekuchengetedzwa mukati mekuchengetedzwa kwemari. Vose vari vaviri vanoisa mari mukati mezvakataurwa kana kuti zvinangwa, zvakadai sokukura, kukosha kana mari, uye vanowanzoisa mari mune imwe nzvimbo yezvikwata kana zvisungo, zvakadai sehomwe huru-mashizha, zvinyorwa zvekune dzimwe nyika, kana kushamwaridzana-nguva dzisungo.
- Nenzira dzakawanda dzeTFs dzinoshanda sehurukuro yekubatana mari: Zvizhinji zveEFF hazvina kutaridzika, izvo zvinoita kuti zvive zvakafanana nekunyoresa mutual funds. Mukati iyi, kufanana kwechikwata ichi uye ETF ichajekesa kushanda kwechirongwa chepasi, seS & P 500; vose vari vaviri vane mari yakaderera zvakadzama kana vachienzaniswa nemari yakachengetedzwa; uye ivo vari vaviri vanogona kuva vakachenjera masimba ekutsvaga kwekusiyana kwezvikwata uye kugadzirwa kworuzhinji.
Nemhaka yekufananidza kwavo, mutual funds uye ETFs zvinoshandiswa nevashambadziri zvinangwa zvakafanana. Asi usati watengesa kunze kwemari yako pamwe chete nekutenga ETFs, zvakakosha kuziva kusiyana pakati pezviviri.
Kusiyana pakati peMutual Funds uye ETFs
Kune hutano hwakasiyana pakati pemari pamwe chete iyo inokosha kuziva iwe usati wasarudza imwe pamusoro peimwe nzira yekutsvaga yekutsvaga kana chinangwa.
Mutengo wemari unobatsira pane zveEFF apo ETFs dzine masimba ekutsvaga mari kune zvimwe zvinangwa. Zvimwe kusiyana zvakakosha apo zvimwe zvisiri pachena.
Heino chidimbu chinokurumidza chekusiyana pakati pemari pamwe chete neEFs, inoteverwa nemamwe mashoko:
- Mutengo wemari unoshandiswa pakupera kwezuva, nepo ETFs dzinotengeswa mukati mezuva.
- Sangano reApositi rinogona kuitwa neEFs asi kwete pamwe chete nemari.
- ETFs dzinowanzova nemari shoma shomanana kupfuura mutengo wemari.
Chinokosha chikuru pakati pekubatana mari uye ETFs ndiyo nzira yavanoshambadzira nayo (iyo vatengesi vanogona kutenga uye kutengesa zvikamu). Izvi zvinorevei? Somuenzaniso, ngatiti iwe unoda kutenga kana kutengesa mari yekutengeserana. Mutengo waunotenga kana kutengesa hausi mutengo chaiwo; ndiyo Net Asset Value, kana NAV , yezvivimbiso zvepasi; uye iwe uchatengeserana neFP's NAV pakupera kwezuva rekutengesa. Nokudaro, kana mitengo yematengo inokura kana kuwira masikati, hauna kutarisira nguva yekushandiswa kwebhizimisi. Kana zviri nani kana zvakanyanya, iwe unowana zvaunowana pakuguma kwezuva nemari pamwe chete.
Kusiyana neizvi, ETFs inotengeswa mukati mezuva. Izvi zvinogona kubatsira kana iwe uchikwanisa kushandisa zvishoma pamutengo wekutengesa kunoitika masikati. Iko shoko guru pano i IF . Semuenzaniso, kana iwe uchida kuti mumusika uri kufamba uchikwira masikati uye iwe unoda kushandisa zvayo, iwe unogona kutenga ETF pakutanga kwezuva rekutengesa uye unotora kufamba kwakanaka.
Pane mamwe mazuva mutengesi unogona kuenda kumusoro kana kuderera nehuwandu hwe100% kana kupfuura. Izvi zvinopa zvose pangozi uye mukana, zvichienderana nekururama kwako pakufanotaura nezvemaitiro.
Chimwe chikamu chekushanda-chakakosha cheE ETF ndizvo zvinonzi "kupararira," iyo ndiyo misiyano pakati pebhandi uye kubvunza mutengo wekuchengeteka. Zvisinei, kuisa pachena, dambudziko guru iri pano rine dzimwe ETFs dzisina kutengeswa zvakanyanya, uko kupararira kunogona kuwedzera uye kusingagamuchiri kune mumwe munhu wevatengesi. Saka tarisa huwandu hwekutengesa zvirongwa zveEFs, zvakadai seSSPDR S & P 500 (SPY) kana iShares Core S & P 500 Index (IVV) uye chenjerera nzvimbo dzenzvimbo dzakadai semari inoshandiswa mune zvemari pamwe nemari yenyika.
Imwe tsananguro ye ETFs ine chokuita ne-stock-like yekutengeserana iyo inyanzvi yekuisa zvigadzirwa zvemitengo , izvo zvingabatsira kukurira zvimwe zvekuita nehutengo hwekutengesa kwezuva rekutengesa.
Semuenzaniso, neurongwa hwekugadzirisa, mutyairi anogona kusarudza mutengo apo shanduro inourawa. Nekuraira kwekumira, mutyairi anogona kusarudza mutengo uri pasi pemutengo wezvino uye kudzivirira kurasikirwa pasi pemutengo wakasarudzwa. Vatengesi havana urongwa uhwu hwekugadzirisa kutonga pamwe chete nemari.
ETFs zvinowanzova nemari shoma shoma kupfuura mari yakawanda pamwe chete uye dzimwe nguva inodhura mari shoma kudarika nhengo yemari yemari. Izvi zvinogona kunyanya kupa ruzivo rwakapetwa muhutori pamusoro pekunongedzera mari kune muzvinabhizimisi. Kunyange zvakadaro ETFs inogona kuva nepamusoro yekutengesa mari. Somuenzaniso, ngatiti iwe une rekwereti yekwereti kuVanguard Investments . Kana iwe uchida kutengesa iShares ETF, unogona kubhadhara mari yekutengesa inenge madhora $ 7.00, asi chinyorwa cheVanguard chekutsvaga chinyorwa chimwechete hachikwanisi kuva nemari yekubhadhara kana kutumirwa.
Unofanira Kushandisa Index Funds, ETFs kana Zvose?
Nyorenda inoshandisa vs ETF nhaurirano haisi chaiyo / kana mubvunzo. Vatengesi vakachenjera kuongorora zvose. Mari nezvikwereti ndizvo muvengi wevatori venhau. Saka kuongorora kwekutanga pakusarudza pakati pezviviri ndiyo chiyero chemari. Chechipiri, panogona kunge kune dzimwe dzimba dzekutsvaga iyo imwe mari inogona kuva nekunaka pane imwe. Semuenzaniso, mutengi anoda kutenga mutsara unonyatsoratidza maitiro ekutengesa kwegoridhe, inogona kuzadzisa chinangwa chawo nekushandisa ETF inonzi SPDR Gold Shares (GLD).
Uye kana kushanda kwekare kusina chivimbo chemigumisiro yemunguva yemberi, kudzoka kwezvakaitika kare kunogona kuratidza chikwereti chekucherechedza kana kukwanisa kwa ETF kukwanisa kunyatsoona nheyo yepasi uye nekudaro anopa mubhadhari mari yakawanda yekudzoka munguva yemberi. Semuenzaniso index index, Vanguard Total Bond Market Index Inv (VBMFX) yakamboita shanduro yeShares Core Yese US Bond Market Index ETF (AGG), kunyange zvazvo VBMFX ine mubhadharo wekutengesa we 0,20% uye AGG ndeye 0.08% uye vose vanoona mufananidzo iwoyo , iyo Barclay's Aggregate Bond Index . Mumashoko akasiyana AGG maitiro akaitika kare kare akawedzera zvakare pasi pehurukuro kupfuura VBMFX.
Pakupedzisira, pakuvaka nzvimbo dzakasiyana-siyana, hurumende yemari pamwe ne ETFs inogona kukurudzira kana mumwe nomumwe. Semuenzaniso, vamwe vatengi vanofarira kushandisa ETF kune mari yezvikamu uye pamwe chete mari yezvisarudzo zvakasarudzwa zvakasimba. Chero nzira iyo iwe unosarudza, ingova nechokwadi chokuti kusanganiswa kwakasiyana-siyana uye kwakakonzerwa nekutsungirira kwako kune ngozi uye zvinangwa zvekutsvaga.
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.