Zaɓin haɗakar kadara mai kyau don fayil ɗinku shine mabuɗin samun nasarar saka hannun jari. Tare da sarrafa gaske, rarrabuwar hajoji na hannun jari, shaidu, da sauran kayan aiki a cikin asusu mai rahusa guda ɗaya, madaidaitan kuɗi suna ba da hanya mai sauƙi. Rarraba kadara ETF ko daidaita ETF babban fayil ne na kudade wanda ke riƙe nau'ikan kadari biyu ko fiye daban-daban. Suna saka hannun jari daban-daban a cikin hannun jari daban-daban da kuɗaɗen haɗin gwiwa tare da ƙayyadaddun ƙayyadaddun kaida ga kowane nau'in kadara.
Alal misali, asusun da aka daidaita a hankali zai zuba jari 65% a hannun jari da 35% a cikin ETFs. Wasu na iya amfani da madaidaicin rabo wanda ke canzawa akan lokaci ko saka hannun jari a nau'ikan kadara daban-daban. Muna ƙoƙari don samar muku da daidaitattun kudade da aka tantance a hankali idan kuna neman babban fayil ɗin saka hannun jari daban-daban a cikin asusu guda. Mun tattara jerin manyan ma'auni na ETFs waɗanda suka yi la'akari da buƙatun masu saka hannun jari masu taka tsantsan da kuma kuɗaɗen da ke amfani da ƙayyadaddun ƙayyadaddun ƙayyadaddun ƙayyadaddun ƙayyadaddun ƙayyadaddun abubuwa, amma kuna buƙatar asusu tare da dillali na forex don kasuwanci ETFs.
- Core Aggressive Allocation ETF daga iShares (AOA)
iShares Core Aggressive Allocation ETF na iya zama darajar ƙarin jarrabawa ta ƙanana, ƙwararrun masu saka hannun jari waɗanda ke neman cikakkiyar fayil mai ƙarancin ƙima a cikin asusu ɗaya. Tana da kuɗaɗen musayar iShares guda bakwai a cikin babban fayil mai ɗimbin yawa wanda ya ƙunshi hannun jari na gida da waje da ƙayyadaddun kudaden shiga na ETFs. Kudaden lamuni guda biyu, na gida daya da na waje, AOA ne ke rike da su. Kashi 17% na asusun ne kawai aka saka hannun jari a cikin tsayayyen samun kudin shiga, kamar yadda ake tsammani a cikin babban fayil mai ƙarfi, tare da ragowar zuwa ga ɗimbin kuɗaɗen hannun jari. S&P 500, tsakiyar da ƙananan hannun jari na Amurka, da kuma ƙungiyoyin kasuwa masu tasowa da masu tasowa, sune manyan abubuwan da aka fi mayar da hankali kan kuɗaɗen hannun jari biyar.
- Global Asset Allocation ETF daga Cambria (GAA)
Dole ne ku nemi nesa da faɗi don nemo madaidaicin asusu tare da bambance-bambancen kadara fiye da Cambria Global Asset Allocation ETF. ETFs guda 29 mallakar wannan asusu da ake sarrafawa suna rufe wurare da yawa na yanki da azuzuwan kadara. GAA shine saka hannun jari na siye da riƙewa wanda ke rufe dukkan sararin duniya na kadarorin da za a iya saka hannun jari, gami da ma'auni na cikin gida da na waje, shaidu, saka hannun jari, kayayyaki, da kudade. Dukansu Cambria ETFs na mallakar mallaka da kudaden waje suna cikin fayil ɗin. Abubuwan da aka ware na asusun ga ma'auni, shaidu, da kadarori na gaske, kamar kayayyaki da agogo, sune 40%, 40%, da 20%, bi da bi. Don adana wannan cakuda kadari da ake so, ana sake daidaita shi akai-akai. Sake daidaitawa yana la'akari da haraji, wanda ke da fa'ida ga mutanen da suka mallaki GAA a cikin asusun dillalai masu haraji.
- Core Moderate Allocation ETF daga iShares (AOM)
Ga masu zuba jari masu hankali da ke neman asusun kuɗi guda ɗaya don riƙe mafi yawan kadarorin su na jari, iShares Core Moderate Allocation ETF wani zaɓi ne mai kyau. Duk da ƙarancin dawowar shekara biyar na shekara-shekara, wanda ya samo asali daga ɗimbin ƙarancin ƙima na tarihi waɗanda suka hana dawowa kan ƙayyadaddun samun kudin shiga, muna tsammanin wannan asusu yana da kyakkyawan matsayi don samar da daidaiton tsabar kuɗi da haɓaka mai ƙarfi a nan gaba. Rarraba kadari na AOM yana da ɗan ra'ayin mazan jiya, tare da kusan kashi 60% na shaidu da hannun jari 40%, kodayake ana kiransa a matsayin asusun rarraba matsakaicin matsakaici. Bakwai iShares ETFs suna riƙe da asusun, wanda ke da rabon kadara wanda ya dace ga masu ritaya ko ƙarin masu saka hannun jari. 51% na fayil ɗin ya ƙunshi iShares Core Total USD Bond Market ETF (IUSB), wanda ke neman saka hannun jari a cikin ƙayyadaddun ƙayyadaddun kasuwancin Amurka. iShares International Bond ETF yana da ƙarin 8.6% (IAGG). Sashin daidaiton ya ƙunshi da farko na tsakiyar- da ƙananan kamfanoni, masu tasowa da masu tasowa kasuwar hannun jari, da kuma kuɗin musayar musayar (ETFs) waɗanda ke saka hannun jari a cikin S&P 500.
- Asusun Ƙwararren Ƙwararren Ƙwararrun Ƙwararru na Amurka daga WisdomTree (NTSX)
The WisdomTree US Efficient Core Fund, wanda aka fi sani da 90/60 US Balanced ETF, yana amfani da wata hanya dabam fiye da sauran abubuwan da ke cikin jerinmu. Ba ya zuba jari a cikin kudaden kuɗi; a maimakon haka, tana siyan manyan ƴan kasuwa guda ɗaya da kwangiloli na gaba akan Baitul malin Amurka. Tun da suna da ɗan ƙaramin alaƙa da hannun jari fiye da shaidu, WisdomTree ta yanke shawarar saka hannun jari a cikin ƙayyadaddun hanyoyin samun shiga. Wannan dabarar tana ba da raguwar sauye-sauyen fayil, samun kudin shiga, da fa'idodin haɓakar jari. A halin yanzu, kashi 60% na kadarorin NTSX ana keɓance su ga abubuwan da suka dace a nan gaba tare da balaga daban-daban, yayin da kashi 40% ana saka hannun jari a manyan ma'auni. Duk da haka, asusun yana da sassauƙan kadara mai sassauƙa, don haka ya danganta da yanayin kasuwa, wannan rabon haja-zuwa-bondi na iya canzawa.
- Multi-Asset Real Return ETF daga SPDR SSGA (RLY)
Manufofin SPDR SSGA Multi-Asset Real Return ETF sun haɗa da adana babban jari, samar da kuɗin shiga, da kuma, a ƙarshe, isar da ainihin dawowar da ta fi yawan hauhawar farashin kaya. Sakamakon haka, RLY ya sami damar samun wuri a cikin jerin manyan ETFs don bugun hauhawar farashin kaya. RLY ETF ne mai sarrafa gaske wanda ke saka hannun jari a cikin kayayyaki, dukiya, da kuma na cikin gida da na waje wanda ke da kariya daga hauhawar farashin kayayyaki. An yi niyya don yin aiki mai kyau a cikin yanayin hauhawar farashi don jaddada kamfanoni a cikin masana'antar noma, makamashi, karafa, da ma'adinai.
SPDR Bloomberg 1-10 Year TIPS ETF (TIPX), wanda ke saka hannun jari a cikin Tsaron Kariyar Haɗin Kuɗi, yana da kashi 10% ga 11 ETFs na fayil. Abubuwan samar da ababen more rayuwa na duniya, dabarun samar da albarkatu masu girma na ETFs, da albarkatun kasa na duniya suna da wani kashi 75% na fayil ɗin. Wasu ƙayyadaddun kudaden shiga, REIT, karafa, makamashi, hakar ma'adinai, da ETFs na noma an haɗa su cikin sauran kashi 15%.
- Core Growth Allocation ETF daga iShares (AOR)
Ga masu zuba jari da ke neman ƙaramin kuɗi, sarrafa su, da daidaitattun asusun ajiyar kuɗi don fayil ɗin su, iShares Core Growth Allocation ETF shine mafi kyawun zaɓi. Wasu na iya tunanin cewa kalmar “Babban Ƙimar Girman Girmamawa” a cikin take tana ɗan ɓaddi. Kodayake rabon kadara na asusun na hannun jari 60% da 40% shaidu an tsara su azaman “girma,” ana iya siffanta shi da kyau a matsayin ingantaccen tsarin fayil ɗin, ba wai akwai matsala tare da shi ba. S&P 500, ci gaba da kasuwannin ãdalci na duniya, da ƙaramin rabo ga tsaka-tsaki da ƙanana ãdalci suna rufewa da iShares ETFs AOR bakwai.
