ʻO ke koho ʻana i ka hui waiwai kūpono no kāu kōpili ke kī i ka hoʻopukapuka kūleʻa. Me ka hui pū ʻana o nā waihona, nā paʻa, a me nā mea hana ʻē aʻe i loko o kahi waihona kālā haʻahaʻa hoʻokahi, hāʻawi nā kālā kaulike i kahi ala pōkole maʻalahi. ʻO ka hoʻokaʻawale waiwai ETF a i ʻole ka ETF kaulike he kōpili kālā e paʻa ana i ʻelua a ʻoi aku paha nā papa waiwai. Hoʻokomo maʻamau lākou i nā ʻāpana like ʻole a me nā kālā paʻa me nā ʻāpana i koho mua ʻia i kēlā me kēia ʻāpana waiwai.
Eia kekahi laʻana, ʻo kahi waihona kālā kaulike akahele e hoʻokomo i 65% i loko o nā waihona a me 35% i loko o nā ETF hoʻopaʻa. Hiki i kekahi ke hoʻohana i kahi hoʻokaʻawale loli e hoʻololi i ka manawa a i ʻole e hoʻokomo i nā ʻano waiwai like ʻole. Ke hoʻoikaika nei mākou e hāʻawi iā ʻoe i kahi laulā o nā waihona kaulike i nānā pono ʻia inā ʻoe e ʻimi nei i kahi waihona hoʻopukapuka like ʻole i loko o hoʻokahi waihona. Ua hōʻuluʻulu mākou i kahi papa inoa o nā ETF kaulike kiʻekiʻe e noʻonoʻo ana i nā pono o nā mea hoʻopukapuka akahele a me nā waihona e hoʻohana ana i nā hoʻokaʻawale paʻa a loli, akā pono ʻoe i kahi moʻokāki me kahi mea kūʻai aku forex e kālepa i nā ETF.
- Core Aggressive Allocation ETF mai iShares (AOA)
Pono paha ka iShares Core Aggressive Allocation ETF i ka nānā hou ʻana e nā ʻōpio, nā mea hoʻopukapuka koʻikoʻi e ʻimi ana i kahi kōpili piha, haʻahaʻa haʻahaʻa i loko o kahi waihona hoʻokahi. Loaʻa iā ia ʻehiku mau kālā kūʻai kūʻai iShares i loko o kahi kōpili ʻokoʻa ākea e pili ana i nā waihona kūloko a me nā haole a me nā ETF i loaʻa paʻa. ʻElua mau kālā paʻa, hoʻokahi kūloko a me hoʻokahi haole, e mālama ʻia ana e AOA. ʻO 17% wale nō o ka waihona kālā i hoʻokomo ʻia i ka loaʻa kālā paʻa, e like me ka mea i manaʻo ʻia i loko o kahi kōpili koʻikoʻi, a ʻo ke koena e hele ana i nā kālā waiwai nui loa. ʻO ka S&P 500, waena a me nā ʻāpana liʻiliʻi US, a me nā ʻoihana mākeke i kūkulu ʻia a e kū mai ana, ʻo ia ka mea nui o nā waihona kālā ʻelima.
- Global Asset Allocation ETF mai Cambria (GAA)
Pono ʻoe e ʻimi mamao a ākea e loaʻa i kahi kālā kaulike me kahi ʻokoʻa waiwai ʻoi aku ka nui ma mua o ka Cambria Global Asset Allocation ETF. ʻO nā 29 ETF nona kēia waihona mālama ikaika e uhi i kahi ākea o nā wahi ʻāina a me nā papa waiwai. ʻO ka GAA kahi kūʻai kūʻai a paʻa e uhi ana i ke ao holoʻokoʻa o nā waiwai hoʻopukapuka, me nā ʻāpana kūloko a me nā ʻāina ʻē, nā palapala paʻa, nā waiwai waiwai, nā waiwai, a me nā kālā. Hoʻokomo ʻia nā waiwai ʻelua Cambria ETF a me nā kālā waho i loko o ka waihona. He 40%, 40%, a me 20% ka haawina o ka waihona i na equities, bonds, a me na waiwai maoli, e like me na waiwai a me na dala. No ka mālama ʻana i kēia hui waiwai i makemake ʻia, hoʻoponopono hou ʻia. Manaʻo ʻo Rebalancing i nā ʻauhau, ʻoi aku ka maikaʻi no ka poʻe nona ka GAA i loko o nā moʻo kālā ʻauhau ʻauhau.
- Core Moderate Allocation ETF mai iShares (AOM)
No nā mea hoʻopukapuka akahele e ʻimi nei i kahi waihona kālā haʻahaʻa hoʻokahi e paʻa i ka hapa nui o kā lākou waiwai hoʻopukapuka, ʻo ka iShares Core Moderate Allocation ETF kahi koho maikaʻi loa. ʻOiai ka hoʻihoʻi awelika makahiki ʻelima makahiki, ka hopena mai nā uku haʻahaʻa loa i kāohi i nā hoʻihoʻi ma kahi loaʻa kālā paʻa, manaʻo mākou ua kūlana maikaʻi kēia waihona e hana i ke kahe kālā paʻa a me ka ulu ikaika i ka wā e hiki mai ana. He ʻano mālama ka hoʻokaʻawale waiwai o AOM, me kahi o 60% mau palapala hoʻopaʻa a me 40% mau waihona, ʻoiai ua kapa ʻia ʻo ia he waihona hoʻokaʻawale ʻano waena. ʻEhiku mau iShares ETF i paʻa ʻia e ka waihona, nona kahi hoʻokaʻawale waiwai kūpono no nā poʻe hoʻomaha a i ʻole nā mea hoʻopukapuka makaʻu ʻole i ka pilikia. ʻO 51% o ka waihona e pili ana i ka iShares Core Total USD Bond Market ETF (IUSB), kahi e ʻimi nei e hoʻopukapuka i ka mākeke loaʻa kālā paʻa o US holoʻokoʻa. Loaʻa i ka iShares International Bond ETF he 8.6% hou aʻe (IAGG). ʻO ka ʻāpana kaulike, ʻo ia hoʻi nā hui waena a me nā hui liʻiliʻi, nā waihona mākeke i hoʻomohala ʻia a me nā waihona e kū mai ana , a me nā waihona kālā i kālepa ʻia (ETF) e hoʻopukapuka ana i ka S&P 500.
- ʻO ke kālā waiwai nui o US mai WisdomTree (NTSX)
ʻO ka WisdomTree US Efficient Core Fund, i ʻike mua ʻia ʻo 90/60 US Balanced ETF, hoʻohana i kahi ala ʻokoʻa ma mua o nā mea ʻē aʻe ma kā mākou papa inoa. ʻAʻole ia e hoʻokomo i nā kālā kālā; akā, kūʻai ʻo ia i nā equities nui-cap a me nā ʻaelike e hiki mai ana ma ka US Treasury. No ka mea he liʻiliʻi liʻiliʻi ko lākou pilina me nā lāʻau ma mua o nā mea paʻa, ua hoʻoholo ʻo WisdomTree e hoʻokomo i nā wā e hiki mai ana. Hāʻawi kēia hoʻolālā i ka emi ʻana o ka volatility portfolio, loaʻa kālā, a me nā pono ulu ulu. I kēia manawa, ua hoʻokaʻawale ʻia ka 60% o nā waiwai o NTSX i ka wā e hiki mai ana i ka waihona kālā me nā ʻano ʻokoʻa like ʻole, ʻoiai ʻo 40% i hoʻokomo ʻia i nā equities nui. Eia nō naʻe, loaʻa i ka waihona ka hoʻokaʻawale waiwai maʻalahi, no laila e pili ana i ka mokuʻāina o ka mākeke, hiki ke loli ke kumukūʻai o kēia stock-to-bond.
- Hoʻihoʻi ʻia ʻo Multi-Asset Real ETF mai SPDR SSGA (RLY)
ʻO nā pahuhopu o ka SPDR SSGA Multi-Asset Real Return ETF e pili ana i ka mālama ʻana i ke kapikala, ka hana ʻana i ka loaʻa kālā, a, i ka hopena, ka hāʻawi ʻana i kahi hoʻihoʻi maoli ma mua o ka helu hoʻonui. ʻO ka hopena, ua hiki iā RLY ke hoʻopaʻa i kahi ma kā mākou papa inoa o nā ETF kiʻekiʻe no ka lanakila ʻana i ka hoʻonui. He ETF i mālama pono ʻia ʻo RLY e hana ana i nā hoʻopukapuka kālā i nā waiwai, nā waiwai paʻa , a me nā palekana i pale ʻia i ka hoʻonui ʻana o ka inflation ma loko a me nā haole. Ua manaʻo ʻia e hana maikaʻi i kahi kaiapuni hoʻonui e hoʻoikaika i nā ʻoihana ma nā ʻoihana mahiʻai, ikehu, metala, a me ka mining.
ʻO ka SPDR Bloomberg 1-10 Year TIPS ETF (TIPX), ka mea i hoʻokomo i loko o ka Treasury Inflation-Protected Securities, he 10% ka hoʻokaʻawale ʻana i nā 11 ETF o ka waihona. ʻO ka hoʻolālā honua, ka hoʻolālā waiwai waiwai kiʻekiʻe nā ETF, a me nā kumu waiwai kūlohelohe honua no kahi 75% o ka waihona. Hoʻokomo ʻia kekahi mau kālā paʻa, REIT, metala, ikehu, mining, a me nā ETF mahiʻai i loko o ke koena 15%.
- Core Growth Allocation ETF mai iShares (AOR)
No nā mea hoʻopukapuka e ʻimi nei i kahi kālā haʻahaʻa, hoʻokele passively, a me ka paʻa paʻa paʻa i kā lākou waihona, ʻo ka iShares Core Growth Allocation ETF ke koho maikaʻi loa. Manaʻo paha kekahi he hoʻopunipuni iki ka huaʻōlelo "Core Growth Allocation" ma ke poʻo inoa. ʻOiai ʻo ka hoʻokaʻawale ʻana o ka waihona kālā he 60% a me 40% mau paʻa i kapa ʻia ʻo "ulu," ʻoi aku ka pololei o ka wehewehe ʻana ma ke ʻano he hoʻolālā koʻikoʻi koʻikoʻi, ʻaʻole ia he pilikia me ia. ʻO ka S&P 500, hoʻomohala a me nā mākeke kaulike o ka honua, a me kahi ʻāpana liʻiliʻi i nā ʻāpana waena a me nā ʻāpana liʻiliʻi e uhi ʻia e nā iShares ETF ʻehiku nona ka AOR.
