Iyini i-FinEx ETF, ungayikhetha kanjani imali futhi wakhe iphothifoliyo ngo-2024

I-ETF Finex – sikhuluma ngani, inzuzo yezimali ka-2022, yini efakiwe kanye nendlela yokwenza iphothifoliyo futhi ungalahlekelwa.
I- ETF (Exchange-traded fund) isikhwama esihwebelana ngokuhwebelana lapho amasheya, izimpahla noma amabhondi kukhethwa khona ngokusekelwe kumasu okulandela uhlobo oluthile lwenkomba noma isu elithile.
Isheya lesikhwama linika umnikazi walo ilungelo engxenyeni ethile yezimpahla. Ukutshala izimali kuma-ETF kuvumela abatshalizimali abancane ukuthi bakhe
iphothifoliyo ehlukahlukene kakhulu . Inani eliphansi lesheya le-ETF ku-MICEX liyi-ruble elingu-1. Ukuthenga isitoko ku-ETF kufana nokutshala imali kuzo zonke izimpahla ezakha isikhwama. Ukuze uqoqe iphothifoliyo enjalo ngokuzimela nangezilinganiso ezithile, kuyadingeka inhloko-dolobha okungenani ama-ruble ayizinkulungwane ezingama-500-2000.

Isifaniso esivamile sokuchaza izimali ezihweba ngokuhwebelana isobho. Udinga isitsha sesobho, kodwa ukupheka ngokwakho kuyabiza kakhulu – udinga izithako eziningi ngezilinganiso ezithile. Kuyabiza futhi kunzima. Esikhundleni salokho, i-ETF ipheka isobho bese ithengisa eyodwa ekhonza kumtshali-zimali.

[i-id yamagama-ncazo = “okunamathiselwe_12042″ align=”aligncenter” wide=”800″]
MICEX ETF[/caption]

I-ETF Finex – ukwakheka kanye nesivuno ngo-2022

Ama-ETF eFinex asohlwini lwe-Moscow Exchange. Ukuze uthenge i-FinEX ETF, awudingi ukuba nesimo somtshali-zimali oqeqeshiwe, kwanele ukuphumelela ukuhlolwa komthengisi ngolwazi lwezinto eziyisisekelo. I-Finex inikeza ama-ETF alandelayo ka-2022:

Ukutshalwa kwezimali kumabhondi

• FXRB – Russian ruble Eurobonds;
• I-FXIP – imali yesikhwama ngama-ruble, batshala imali kumabhondi kahulumeni wase-US;
• I-FXRU – idola lama-Eurobond weRussian Federation;
• I-FXFA – ukutshalwa kwezimali kumabhondi anesivuno esikhulu samazwe athuthukile, imali yesikhwama ngama-ruble noma amadola;
• I-FXRD – ibhondi ye-dollar ephezulu yesivuno;
• I-FXTP – amabhondi kahulumeni wase-US, ukuvikelwa kokwehla kwamandla emali okwakhelwe ngaphakathi;
• I-FXTB – izibopho zaseMelika zesikhashana;
• I-FXMM – amathuluzi othango lwemakethe yemali yase-US;

Ukutshalwa kwezimali kumasheya

• I-FXKZ – ukutshalwa kwezimali kumasheya aseKazakhstan;
• I-FXWO – amasheya emakethe yomhlaba;
• I-FXRL – ilandela amandla e-RTS;
• I-FXUS – ilandela inkomba ye- SP500 ;
• I-FXIT – ukutshalwa kwezimali kumasheya omkhakha wezobuchwepheshe wase-US;
• I-FXCN – Amasheya e-China;
• I-FXDE – amasheya aseJalimane;
• I-FXIM – amasheya omkhakha we-IT wase-US;
• I-FXES – amasheya ezinkampani ezihilelekile ekuthuthukisweni kwemidlalo yevidiyo;
• I-FXRE – isikhwama sikuvumela ukuthi utshale izindlu ezithengiswayo zase-US;
• I-FXEM – amasheya amazwe asafufusa (ngaphandle kwe-China ne-India);
• I-FXRW – tshala ezitokweni zase-US ezinokhephithali kakhulu;

Ukutshalwa kwezimali ezimpahleni

• I-FXGD – isikhwama sitshala egolideni elibonakalayo.

Wonke ama-ETF avela ku-Finex angatholakala kokuthi https://finex-etf.ru/products

Yini ethinta ukubuyiswa kwezimali?

Izici eziyinhloko:

1. Ukubuyiswa kwesikhwama kuncike ekushintsheni kwezingcaphuno zenkomba noma impahla elandelwa yi-ETF.
2. Kufanele unake ikhomishini yesikhwama. I-ETF Finex inekhomishini efinyelela ku-0.95%. Idonswa enanini lezimpahla zesikhwama, umtshali-zimali akayikhokhi ngaphezu kwalokho. Kufanele futhi unake ikhomishana yomthengisi ngokuthengiselana. Uma umtshali-zimali enza imisebenzi eminingi, ethengisa futhi ethenga ama-ETF, isivuno siyancipha ngenxa yalokho.
3. Ezikhathini eziningi, izabelo zitshalwa kabusha, okwandisa imbuyiselo yonke yesikhwama. Kusukela ngoJanuwari 2022, isikhwama se-FXRD kuphela – amabhondi ebhizinisi anesivuno esikhulu esivikelekile ekuguquguqukeni kohlobo lwemali – esikhokha izabelo.
4. Izinzuzo ezivela kuma-ETF zikhokhiswa intela ngenani elingu-13% njenganoma iyiphi enye imali engenayo. Ukuze ugweme intela, kufanele uthenge ama-ETF ku- akhawunti yomthengisi evamile futhi ubambe okungenani iminyaka emi-3. Noma thenga i-ETF ngohlobo lwe-IIS B.

Iwebhusayithi yomhlinzeki inikeza ulwazi mayelana nesikhwama, kanye negrafu yembuyiselo yeminyaka yakamuva. Ungakhetha isikhathi esithile noma ulande idatha ukuze ihlaziywe ngefomethi ye-xls. Abahlaziyi batusa ukuthi bangenzi isiphetho mayelana nokuguquguquka kwesikhwama ngokusekelwe enzuzweni yezinyanga zamuva. Umphumela otholiwe ungase ube ngokungahleliwe. Kungcono ukugxila ekusebenzeni komlando okumaphakathi kanye nengozi yesigaba sempahla ethile.

Ungakhetha kanjani i-ETF yokutshala imali?

Ngaphambi kokuthi uqale ukukhetha izimpahla, udinga ukudweba isu lokuhweba. Cabangela isimo sakho sokutshala izimali kanye nokubekezelela ubungozi. Iphothifoliyo yezimali ze-ETF kufanele ihlanganise izimpahla ezihlukene – amasheya emikhakha ehlukene namazwe, amabhondi kanye nokutshalwa kwezimali ezimpahleni ezivikelayo. Igolide ngokuvamile lisetshenziswa njengempahla evikelayo. Ngokuvamile ikhuphuka ngezinga lentengo futhi ivikele imali ekukhuphukeni kwamandla emali. Ngesikhathi senhlekelele, iyindawo yokuphephela – iyakhula ngenkathi amasheya ehla. Ukutshalwa kwezimali ezinsimbi eziyigugu kunikezwa umhlinzeki we-Finex ngesikhwama esihwebelana ngokuhwebelana i-FXGD. Leli ithuluzi ledola lokutshala imali egolideni elibonakalayo ngaphandle kwe-VAT. I-Etf FXGD ilandelela intengo yegolide emakethe yomhlaba ngokunembe ngangokunokwenzeka. [i-id yamagama-ncazo = “okunamathiselwe_13054” align = “aligncenter” wide = “602”]
I-ETF FXGD[/caption] Ingxenye yamabhondi kufanele ibe nkulu uma wakha iphothifoliyo elondolozayo enokuntengantenga okuphansi. Umehluko phakathi kwesikhwama sebhondi kanye nokuthengwa okuqondile kwamabhondi ukuthi i-ETF ayinawo amabhondi ekuvuthweni, kodwa iwashintsha ngesikhathi esifanele ukuze inciphise ijika lesivuno. Ubude besikhathi obumaphakathi busezingeni elifanayo. Kuyaphawuleka ukuthi ezinye izimali ziyefana. Isibonelo, kokubili i-FXWO ne-FXRW banezitoko zase-US kuzo, njengoba kwenza izitoko zase-US nezitoko ze-S&P500. Abaqalayo abanconywa ukuthi babheje ezweni elilodwa kuphela. Amathebhu kuwebhusayithi esemthethweni ye-Finkes azokusiza ukuthi unqume isu:

• ukuhlolwa kwephrofayili yengozi – kucelwe ukuphendula imibuzo embalwa ukuze kunqunywe ukubekezelela ubungozi;
• I- IIS calculator – ukunqunywa kwenzuzo elinganiselwe lapho utshala imali ku-akhawunti yotshalomali ngayinye;
• wokubala impesheni – kuzosiza ukunquma inani replenishment ngonyaka ukuze uthole ukwenyuka okwamukelekayo ngenyanga impesheni.

Isevisi ye-Finex izokusiza ukuthi uqhathanise izimali ngenzuzo. Iya kuthebhu ethi Wonke ama-ETF kuwebhusayithi esemthethweni
https://finex-etf.ru/products , khona-ke kufanele ukhethe izimali ezimbalwa bese uchofoza inkinobho yokuqhathanisa. Isihlungi sizokusiza ukuthi ukhethe izimali ozidingayo. Ungakhetha izimali ngesigaba sempahla, ngokuhweba noma ngesikhwama semali, futhi ngenjongo yokutshala imali:

• esikhundleni sediphozi ngamadola;
• esikhundleni sediphozi kuma-ruble;
• izimpahla zokuzivikela;
• ezinzile ngamadola;
• ezinzile ngama-ruble;
• enenzuzo kakhulu yonyaka.

Abatshalizimali abasafufusa bayelulekwa ukuthi batshale kuzo zonke izitoko ngesikhathi esisodwa, kunezimboni ezithile. Ngakho mancane amathuba okwenza iphutha. Ungakwazi ukwengeza ingxenye encane yempahla yesikhwama ebonakala ithembisa kuwe. Ngenxa yalokho, ungenza iphothifoliyo yemali yesitoko engu-60%, amabhondi angu-25%, izimboni ezithembisayo ezingu-5% kanye negolide elingu-10%. Ukuze udale iphothifoliyo, yiya kuthebhu ethi Iphothifoliyo Yomakhi https://finex-etf.ru/calc/constructor.

Ungawakha kanjani iphothifoliyo kuma-FinEX ETF kanye namaphothifoliyo amamodeli enziwe ngomumo

Kungaba nzima kwabaqalayo ukunquma isu lokuhweba futhi bakhethe izimali ezithile zokutshala izimali. Ukwenza kube lula kumtshali-zimali, i-Finex ihlanganise amaphothifoliyo amamodeli ambalwa. Umtshalizimali angafaka idatha yokuqala kuthebhu yesibali se-Robo:

• inani lemali yokuqala;
• ukugcwaliswa kwanyanga zonke;
• isikhathi sokutshala imali;
• iminyaka yakho;
• izinga lobungozi – kufanele kuqondwe ukuthi uma ingozi iphezulu, imali engenayo ingaba phezulu;
• ukutholakala kwezimali zawo wonke amazwe kuphothifoliyo;
• inhloso yokutshala imali.

Ngokusekelwe kudatha yokuqala, irobhothi likhetha izimali ezifanele zokuhwebelana ngengxenye ethile. Ngenxa yalokho, kuzoboniswa ishadi lezimali, kanye nembuyiselo elinganiselwe esekelwe kudatha yomlando. Isibalo singathunyelwa nge-imeyili futhi sizobuyela kuso ngokuhamba kwesikhathi. Ungashintsha idatha yokuqala futhi wenze izinketho ezimbalwa zokuqhathanisa.
Uma kunzima ukunquma ngenani elikhulu kangaka lamapharamitha, khetha eyodwa yamaphothifoliyo ama-modal angu-5. Ukuze ujwayelane nawo, yiya kuthebhu ethi Amaphothifoliyo Amamodeli https://finex-etf.ru/calc/model. Uhlelo luzobonisa cishe inzuzo yesu, ngokusekelwe enanini lokuqala kanye nesikhathi sokutshala imali. Amaphothifoliyo angamamodeli ahlanganisa izimali ezihwebiswayo ngezilinganiso ezifaneleka kakhulu ukusebenzisa amasu okutshalwa kwezimali adumile:

1. Iphothifoliyo ka-Buffett iwutshalomali emithethweni yomtshali-zimali odumile, ehlanganisa ukutshalwa kwezimali ezinkampanini zase-US kanye nezikweletu zase-US zesikhashana. Ifanele ingozi enkulu.
2. Iphothifoliyo yabantu be-MOEX – iphothifoliyo yenziwe ngemali ethandwa kakhulu yokuhwebelana, eshicilelwa nyanga zonke yi-Moscow Exchange. Ukwakheka kwephothifoliyo yemodeli kuyashintsha kuwebhusayithi ye-Finex nyanga zonke.
3. I- Patriotic – iphothifoliyo yabatshalizimali abakholelwa ezinkampanini zaseRussia. Iqukethe izimali zamasheya e-Russian Federation, amabhondi ezinkampani ezinokwethenjelwa kakhulu kanye nesikhwama semakethe yemali ye-ruble. Ifanele abatshalizimali abangafuni ukukhetha amasheya bebodwa.
4. I- Lezhebok – ukuqaliswa kwecebo lomtshalizimali odumile waseRussia uSergei Spirin. Iqukethe ama-ETF angu-3 – amasheya, amabhondi negolide.
5. Ibhalansi ehlakaniphile – iphothifoliyo enesivuno sedola, iqukethe i-ETF kumasheya angaphandle amazwe athuthukile nasathuthuka. Ama-ETF egolide namabhondi ezinkampani zaseRussia angeziwe ukuze kwehliswe ukuntengantenga kwephothifoliyo. Iphothifoliyo ifanele labo bantu abafuna ukutshala imali ngamadola.

Ukuze uthenge i-ETF, gcina isibalo futhi uthole amathuluzi nge-akhawunti yomuntu siqu yomthengisi noma ngohlelo lokusebenza olukhethekile. Uma ungakabi nayo i-
akhawunti yomthengisi , ungakwazi ukuvula eyodwa ngokuya kuthebhu ethi Thenga i-ETF. [i-id yamagama-ncazo = “okunamathiselwe_13162” align = “aligncenter” wide = “1244”]
Ungayithenga kanjani i-Finex ETF – izinyathelo ezi-5 ezilula[/caption] Ngakho, umhlinzeki we-Finex unikeza amathuluzi okuhlanganisa iphothifoliyo yabatshalizimali abanemigomo ehlukene kanye nanoma yimuphi umkhathi wokutshala imali. Bobabili abatshalizimali abanolwazi nabaqalayo bangakhetha izimali zokuhwebelana ngenxa yezinsizakalo ze-Finex. Uma usunqume isu futhi ukhethe izimali ezifanele, into ebaluleke kakhulu ukuhlala endleleni. Imakethe ingase ikhuphuke noma yehle, umtshali-zimali ongenzi lutho onombono omude wokutshala imali akufanele akhathazeke. Isikhathi eside sokutshala imali, isu elikhethiwe lisazoletha imiphumela. Into esemqoka ukujwayelekile kokugcwalisa nokunamathela ngokuqinile kuhlelo. Kuzokwenzekani uma i-FinEx iqothuka, izimali zizoqhubeka nokudayiswa, futhi ama-ETF ngokwawo angawa: https://youtu. be/RLGN7Si0geE Ngesikhathi sokulungiswa kwemakethe, akufanele ukhathazeke ngokulahlekelwa ku-akhawunti yakho yomthengisi, kodwa jabulela ukuthi ungathenga izimpahla ngentengo encishisiwe. Khumbula ukuthi lokhu kuzothela izithelo esikhathini esizayo. Kumashadi omlando, izikhathi zokulungiswa azibonakali, kodwa ekusebenzeni, ukuzinqoba kudinga intando eqinile evela kumtshali-zimali. Zama ukubheka kancane kumashadi, kuphela ngezikhathi zokuthenga izimpahla ngokohlelo. Abatshalizimali abangenzi lutho abanconywa ukuthi balandelele izingcaphuno ngaphezu kokukodwa ngenyanga.