Yintoni i-FinEx ETF, indlela yokukhetha imali kunye nokwakha iphothifoliyo ngo-2024

I-ETF Finex – sithetha ngantoni, inzuzo yeemali ze-2022, yintoni ebandakanyiweyo kunye nendlela yokwenza iphothifoliyo kwaye ungalahleki.
I- ETF (i-Exchange-traded fund) yingxowa-mali ethengisiweyo apho izitokhwe, iimpahla okanye iibhondi zikhethwa ngokusekelwe kwisicwangciso sokulandela uhlobo oluthile lwesalathisi okanye kwisicwangciso esithile.
Isabelo sengxowa-mali sinika umnini waso ilungelo kwinxalenye ethile yee-asethi. Ukutyala imali kwii-ETF kuvumela abatyali-zimali abancinci ukuba bakhe
ipotifoliyo eyohlukeneyo . Ixabiso elincinci lesabelo se-ETF kwi-MICEX yi-ruble eyi-1. Ukuthenga isitokhwe kwi-ETF kufana nokutyala imali kuzo zonke ii-asethi ezenza ingxowa-mali. Ukuze uqokelele iphothifoliyo enjalo ngokuzimeleyo kunye nemilinganiselo ethile, i-capital ubuncinane ye-500-2000 eyiwaka le-ruble iyadingeka.

Isifaniso esiqhelekileyo sokuchaza iimali zotshintshiselwano-zohwebo yisuphu. Udinga isitya sesobho, kodwa ukupheka ngokwakho kubiza kakhulu – udinga izithako ezininzi kwimilinganiselo ethile. Iyabiza kwaye inzima. Endaweni yoko, i-ETF ipheka isuphu kwaye ithengise enye ekhonza kumtyali-mali.

I-ETF Finex – ukubunjwa kunye nesivuno ngo-2022

Ii-ETF zeFinex zidweliswe kwi-Moscow Exchange. Ukuthenga i-FinEX ETF, akudingeki ukuba ube nesimo somtyalo-mali ofanelekileyo, kwanele ukuba uphumelele uvavanyo oluvela kumthengisi ngolwazi lwezinto ezisisiseko. IFinex ibonelela ngezi ETF zilandelayo ngo-2022:

Utyalo-mali kwiibhondi

• I-FXRB – i-Eurobonds ye-ruble yaseRashiya;
• I-FXIP – imali yengxowa-mali i-ruble, batyala imali kwiibhondi zikarhulumente wase-US;
• IFXRU – idola ye-Eurobonds yeRussian Federation;
• I-FXFA – utyalo-mali kwiibhondi eziphezulu zemveliso yamazwe aphuhlileyo, imali yengxowa-mali i-ruble okanye iidola;
• I-FXRD – iibhondi ze-dollar eziphezulu zesivuno;
• I-FXTP – iibhondi zikarhulumente wase-US, ukhuseleko olwakhelwe ngaphakathi lokunyuka kwamaxabiso;
• I-FXTB – iibhondi zaseMelika zexesha elifutshane;
• I-FXMM – izixhobo zothango lweemarike zemali yase-US;

Utyalo-mali kwizabelo

• I-FXKZ – utyalo-mali kwizabelo zaseKazakhstan;
• FXWO – izabelo kwimarike yehlabathi;
• I-FXRL – ilandela i-dynamics ye-RTS;
• FXUS – ilandela SP500 index ;
• I-FXIT – utyalo-mali kwizabelo zecandelo lobuchwephesha base-US;
• I-FXCN – izabelo zaseTshayina;
• FXDE – izabelo zaseJamani;
• I-FXIM – izabelo zecandelo le-IT yase-US;
• I-FXES – izabelo zeenkampani ezibandakanyekayo kuphuhliso lwemidlalo yevidiyo;
• I-FXRE – ingxowa-mali ikuvumela ukuba utyale imali kwi-US real estate;
• I-FXEM – izabelo zamazwe asakhulayo (ngaphandle kweTshayina neIndiya);
• I-FXRW-ityala imali kwi-stocks yase-US enemali eninzi;

Utyalo-mali kwimpahla

• I-FXGD – ingxowa-mali ityala imali kwigolide ebonakalayo.

Zonke ii-ETF zeFinex zinokufumaneka ku-https://finex-etf.ru/products

Yintoni echaphazela imbuyekezo kwiimali?

Imiba ephambili:

1. Imbuyekezo yengxowa-mali ixhomekeke kutshintsho kwiingcaphuno zesalathiso okanye impahla elandelwa yi-ETF.
2. Kufuneka ubeke ingqalelo kwikhomishini yengxowa-mali. I-ETF Finex inekhomishini ukuya kuthi ga kwi-0.95%. Itsalwa kwixabiso lee-asethi zengxowa-mali, umtyali-mali akayihlawulanga ngakumbi. Kufuneka kwakhona ubeke ingqalelo kwikhomishini ye-brokerage yentengiselwano. Ukuthengiselana ngakumbi umtyali-mali ekwenza, ukuthengisa nokuthenga ii-ETF, isivuno sisezantsi ngenxa yoko.
3. Amaxesha amaninzi, izabelo ziphinda zityalwe, nto leyo eyandisa imbuyekezo iyonke yengxowa-mali. Ukusukela ngoJanuwari ka-2022, yingxowa-mali yeFXRD kuphela-isivuno esikhulu sebhondi yeshishini kunye nokhuseleko ekuguquguqukeni kwemali – ihlawula izabelo.
4. Inzuzo evela kwi-ETF irhafiswa ngesantya se-13% njengawo nawuphi na omnye umvuzo. Ukuze ugweme irhafu, kufuneka uthenge ii-ETF kwi- akhawunti ye-brokerage eqhelekileyo kwaye ubambe ubuncinane iminyaka emi-3. Okanye uthenge i-ETF kuhlobo lwe-IIS B.

Iwebhusayithi yomboneleli inikezela ngolwazi malunga nengxowa-mali, kunye negrafu yembuyekezo kwiminyaka yakutshanje. Unokukhetha ixesha elithile okanye ukhuphele idatha yohlalutyo kwifomathi ye-xls. Abahlalutyi batusa ukuba bangenzi isigqibo malunga ne-dynamics yengxowa-mali ngokusekelwe kwinzuzo yeenyanga zakutshanje. Isiphumo esifunyenweyo sisenokuba singalindelekanga. Kungcono ukugxila kwi-avareji yokusebenza kwembali kunye nomngcipheko weklasi ethile ye-asethi.

Indlela yokukhetha i-ETF yotyalo-mali?

Ngaphambi kokuba uqale ukukhetha i-asethi, kufuneka wenze isicwangciso sokurhweba. Qwalasela i-horizon yakho yotyalo-mali kunye nokunyamezela umngcipheko. Ipotfoliyo yeengxowa-mali ze-ETF kufuneka ibandakanye ii-asethi ezahlukeneyo-izabelo zamacandelo ahlukeneyo kunye namazwe, iibhondi kunye notyalo-mali kwii-asethi ezikhuselayo.Igolide ngokuqhelekileyo isetyenziswa njenge-asethi ekhuselayo. Ngokuqhelekileyo iphakama kunye nenqanaba lexabiso kwaye ikhusela imali kwi-inflation. Ngexesha lentlekele, yindawo yokusabela – iyakhula ngelixa isitokhwe siwa. Utyalo-mali kwiintsimbi ezixabisekileyo lubonelelwa ngumboneleli weFinex ngengxowa-mali yotshintshiselwano lweFXGD. Esi sisixhobo sedola yokutyala imali kwigolide ebonakalayo ngaphandle kweVAT. I-Etf FXGD ilandelela ixabiso legolide kwimarike yehlabathi ngokuchanekileyo kangangoko kunokwenzeka. Umlinganiselo weebhondi kufuneka ube mkhulu ukuba uyakha iphothifoliyo elondolozayo kunye nokuguquguquka okuphantsi. Umahluko phakathi kwengxowa-mali yebhondi kunye nokuthengwa ngokuthe ngqo kweebhondi kukuba i-ETF ayibambeli iibhondi ekukhuleni, kodwa ithatha indawo yabo ngexesha elifanelekileyo ukuze ivule i-curve yesivuno. Ubude bexesha bukwinqanaba elifanayo. Kubalulekile ukuqaphela ukuba ezinye iimali ziyadibana. Ngokomzekelo, zombini i-FXWO kunye ne-FXRW zinezitokhwe zase-US kuzo, njenge-US stocks kunye ne-S & P500 stocks. Abaqalayo abakhuthazwa ukuba babheje kwilizwe elinye kuphela. Iithebhu kwiwebhusayithi esemthethweni yeFinkes iya kukunceda wenze isigqibo malunga nesicwangciso:

• uvavanyo lweprofayili yomngcipheko – ucelwe ukuba uphendule imibuzo embalwa ukujonga ukunyamezela komngcipheko;
• I- IIS calculator – ukumiselwa kwengeniso eqikelelweyo xa utyala imali kwi-akhawunti yotyalo-mali yomntu;
• i- calculator pension – iya kunceda ukugqiba inani lokuzaliswa kwakhona ngonyaka ukufumana ukunyuka okwamkelekileyo ngenyanga kwipension.

Inkonzo yeFinex iya kukunceda uthelekise imali ngenzuzo. Yiya kuzo zonke ii-ETFs ithebhu kwiwebhusayithi esemthethweni
https://finex-etf.ru/products , ngoko kufuneka ukhethe iimali ezininzi kwaye ucofe iqhosha lokuthelekisa. Isihluzi siya kukunceda ukhethe imali oyifunayo. Unokukhetha imali ngeklasi ye-asethi, ngokurhweba okanye ngemali yemali, kunye nenjongo yotyalo-mali:

• endaweni yediphozithi ngeedola;
• endaweni yediphozithi kwiiruble;
• ii-asethi ezikhuselayo;
• uzinzile kwiidola;
• uzinzile kwii-ruble;
• eyona ngeniso yonyaka.

Abaqalayo abatyali-mali bayacetyiswa ukuba batyale kuzo zonke izitokhwe ngexesha elinye, kunamashishini athile. Ngoko ke mancinci amathuba okwenza impazamo. Unokongeza inxalenye encinci ye-asethi yengxowa-mali ebonakala ithembisa kuwe. Ngenxa yoko, unokwenza iphothifoliyo ye-60% yemali ye-stock, i-25% yebhondi, i-5% yamashishini athembisayo kunye ne-10% yegolide. Ukwenza ipotfoliyo, yiya kwi Portfolio Constructor tab https://finex-etf.ru/calc/constructor.

Uyakha njani ipotifoliyo esuka kwiFinEX ETFs kunye neepotfoliyo zemodeli esele zenziwe

Kungaba nzima kubaqalayo ukwenza isigqibo malunga nesicwangciso sokurhweba kwaye ukhethe iimali ezithile zotyalo-mali. Ukwenza kube lula kumtyali-mali, iFinex iqulunqe iipotfoliyo zemizekelo emininzi. Umtyali-mali unokufaka idatha yokuqala kwithebhu ye-Robo-calculator:

• ubungakanani bemali yokuqala;
• ukugcwaliswa kwenyanga;
• ixesha lotyalo-mali;
• iminyaka yakho;
• inqanaba lomngcipheko – kufuneka kuqondwe ukuba umngcipheko ophezulu, ingeniso ephezulu ingaba;
• ukufumaneka kweemali zawo onke amazwe kwipotfoliyo;
• injongo yotyalo-mali.

Ngokusekelwe kwidatha yokuqala, i-robot ikhetha iimali zokutshintshiselana ngokufanelekileyo kumlinganiselo othile. Ngenxa yoko, itshathi yemali iya kuboniswa, kunye nembuyekezo eqikelelweyo esekelwe kwidatha yembali. Izibalo zinokuthunyelwa nge-imeyile kwaye ziya kubuyela kuyo kamva. Ungatshintsha idatha yokuqala kwaye wenze iinketho ezininzi zokuthelekisa.
Ukuba kunzima ukugqiba kwinani elikhulu leeparamitha, khetha enye yeepotfoliyo ze-modal ezi-5. Ukuqhelana nabo, yiya kwiModel Portfolio tab https://finex-etf.ru/calc/model. Inkqubo iya kubonisa inzuzo eqikelelweyo yesicwangciso, ngokusekelwe kwisixa sokuqala kunye nexesha lotyalo-mali. Iipotfoliyo zemodeli ziquka iimali ezirhwebayo ngokutshintshiselana ngomlinganiselo ofaneleke kakhulu ukuphumeza izicwangciso zotyalo-mali ezidumileyo:

1. Ipotfoliyo kaBuffett lutyalo-mali kwimigaqo yomtyali-mali odumileyo, iquka utyalo-mali kwiinkampani zase-US kunye namatyala exeshana elifutshane ase-US. Ifanelekile kumngcipheko ophezulu.
2. Iipotfoliyo zabantu be-MOEX – iphothifoliyo yenziwe yimali ethandwa kakhulu yokutshintshiselana, epapashwa ngenyanga yiMoscow Exchange. Ukwakhiwa kwepotfoliyo yomfuziselo kutshintsha kwiwebhusayithi yeFinex qho ngenyanga.
3. I- Patriotic – iphothifoliyo yabatyalo-mali abakholelwa kwiinkampani zaseRashiya. Iqukethe iimali zezabelo zeRussian Federation, izibophelelo zeenkampani ezinokwethenjelwa kakhulu kunye nengxowa-mali yemali ye-ruble. Ifanelekile kubatyali-mali abangafuni ukukhetha izabelo ngokwabo.
4. I- Lezhebok – ukuphunyezwa kwesicwangciso somtyalo-mali owaziwayo waseRashiya uSergei Spirin. Iqukethe ii-ETF ezi-3 – kwimpahla, iibhondi kunye negolide.
5. Ibhalansi ehlakaniphile – ipotifoliyo enesivuno sedola, iqulethe i-ETF kwizabelo zangaphandle zamazwe aphuhlileyo nasakhulayo. Ii-ETF zegolide kunye ne-Russian corporate bonds ziye zongezwa ukunciphisa ukuguquguquka kweepotfoliyo. Ipotifoliyo ifanelekile kwabo bantu bafuna ukutyalomali kwiidola.

Ukuthenga i-ETF, gcina isibalo kwaye ufumane izixhobo nge-akhawunti yobuqu yomthengisi okanye isicelo esikhethekileyo. Ukuba awunayo i-
akhawunti ye-brokerage okwangoku, unokuvula enye ngokuya kwi-Thenga i-ETF ithebhu.
Indlela yokuthenga i-Finex ETF – 5 amanyathelo alula[/i-caption] Ngaloo ndlela, umnikezeli we-Finex unikezela ngezixhobo zokuqulunqa iphothifoliyo yabatyali-mali abaneenjongo ezahlukeneyo kunye naluphi na utyalo-mali. Bobabini abatyali-mali abanamava kunye nabaqalayo banokukhetha imali yotshintshiselwano ngokubonga kwiinkonzo zeFinex. Nje ukuba uthathe isigqibo malunga nesicwangciso kwaye ukhethe iimali ezifanelekileyo, eyona nto ibalulekileyo kukuhlala usendleleni. Imarike inokunyuka okanye yehle, umtyali-mali ongenzi nto onotyalo-mali olude akufuneki abe nexhala. Ngexesha elide lotyalo-mali, isicwangciso esikhethiweyo siya kuzisa iziphumo. Into ephambili yinto eqhelekileyo yokuzaliswa ngokutsha kunye nokuthotyelwa ngokungqongqo kwisicwangciso. Kuya kwenzeka ntoni ukuba i-FinEx iyatshona, imali iya kuqhubeka ukurhweba, kwaye ii-ETF zona ngokwazo zinokubhanga: https://youtu. be/RLGN7Si0geE Ngexesha lolungiso lweemarike, akufanele ukhathazeke malunga nelahleko kwi-akhawunti yakho ye-brokerage, kodwa vuya ukuba unokuthenga i-asethi ngexabiso elincitshisiweyo. Khumbula ukuba oku kuya kuvelisa isiqhamo kwixesha elizayo. Kwiitshathi zembali, amaxesha okulungiswa angabonakali, kodwa ekusebenzeni, ukuwoyisa kufuna intando eqinile evela kumtyalo-mali. Zama ukujonga ngaphantsi kwiitshathi, kuphela ngexesha lokuthenga i-asethi ngokwesicwangciso. Abatyali-zimali abangenzi nto abakhuthazwa ukuba balandele iikowuti ngaphezu kwenyanga enye.