Kusankha zosakaniza zamtengo wapatali za mbiri yanu ndiye chinsinsi chakuchita bwino pakuyika ndalama. Ndi kusakanikirana koyendetsedwa bwino, kosiyanasiyana kwa masheya, ma bond, ndi zida zina mu thumba limodzi lotsika mtengo, ndalama zokhazikika zimapereka njira yachidule. An asset allocation ETF kapena balanced ETF ndi ndalama zomwe zimakhala ndi magulu awiri kapena angapo osiyana. Nthawi zambiri amayika ndalama zosiyanasiyana zamasheya ndi ma bond omwe amagawidwiratu kugulu lililonse lazachuma.
Mwachitsanzo, thumba lolinganiza bwino lingagulitse 65% m'masheya ndi 35% m'ma ETF a bond. Ena angagwiritse ntchito njira yosinthira yomwe imasintha pakapita nthawi kapena kuyika ndalama m'mitundu yosiyanasiyana ya katundu. Timayesetsa kukupatsani mitundu yosiyanasiyana ya ndalama zolinganiza bwino ngati mukufuna ndalama zosiyanasiyana mu thumba limodzi. Talemba mndandanda wa ma ETF apamwamba omwe amaganizira zosowa za osunga ndalama mosamala komanso mwankhanza komanso ndalama zomwe zimagwiritsa ntchito njira zokhazikika komanso zosinthika, koma mudzafunika akaunti ndi broker wa forex kuti mugulitse ma ETF.
- Core Aggressive Allocation ETF kuchokera ku iShares (AOA)
IShares Core Aggressive Allocation ETF ingakhale yoyenerera kuyesedwa kowonjezera ndi osunga ndalama ang'onoang'ono, omwe akufunafuna mbiri yathunthu, yotsika mtengo mu thumba limodzi. Ili ndi ndalama zisanu ndi ziwiri zosinthanitsa ndi iShares m'malo osiyanasiyana ophatikiza ma ETF am'deralo ndi akunja komanso ndalama zokhazikika. Ndalama ziwiri za bondi, imodzi yakuno ndi ina yakunja, ili ndi AOA. Ndi 17% yokha ya ndalama zomwe zimayikidwa mu ndalama zosasunthika, monga momwe zimayembekezeredwa mu mbiri yaukali, ndipo zotsalazo zimapita ku ndalama zamagulu osiyanasiyana. S&P 500, masheya apakati ndi ang'onoang'ono aku US, komanso makampani otukuka komanso omwe akutuluka kumene, ndizo zomwe zimayang'ana kwambiri ndalama zisanu.
- Global Asset Allocation ETF kuchokera ku Cambria (GAA)
Muyenera kufufuza kutali kuti mupeze thumba labwino lomwe lili ndi mitundu yosiyanasiyana yazachuma kuposa Cambria Global Asset Allocation ETF. Ma ETF 29 omwe ali ndi thumba lomwe limayendetsedwa mwachangu amaphatikiza malo osiyanasiyana komanso magulu azinthu. GAA ndi ndalama zogulira ndikusunga zomwe zimaphimba chilengedwe chonse chazinthu zomwe mungagulitsidwe, kuphatikiza ndalama zapakhomo ndi zakunja, ma bond, mabizinesi azinthu, katundu, ndi ndalama. Ma eni ake a Cambria ETF ndi ndalama zakunja zikuphatikizidwa mu mbiriyi. Ndalama zomwe ndalama zimaperekedwa kuzinthu, ma bond, ndi katundu weniweni, monga katundu ndi ndalama, ndi 40%, 40%, ndi 20%, motero. Kuti musunge chisakanizo ichi chomwe mukufuna, chimasinthidwa pafupipafupi. Kukonzanso kumaganizira zamisonkho, zomwe ndizopindulitsa kwa anthu omwe ali ndi GAA mumaakaunti okhometsa msonkho.
- Core Moderate Allocation ETF kuchokera ku iShares (AOM)
Kwa amalonda osamala omwe akufuna ndalama zotsika mtengo kuti asunge ndalama zambiri zomwe angagule, iShares Core Moderate Allocation ETF ndi njira yabwino kwambiri. Ngakhale kuti phindu la pachaka la zaka zisanu ndi loipa kwambiri, lomwe limachokera ku mitengo yotsika kwambiri yomwe yalepheretsa phindu pa ndalama zokhazikika, tikuganiza kuti thumbali lili pamalo abwino kuti lipange ndalama zokhazikika komanso kukula kwamphamvu mtsogolo. Kugawa katundu kwa AOM ndikosamala, komwe kuli ndi ma bond pafupifupi 60% ndi 40% ya masheya, ngakhale kuti kumatchedwa core moderate allocation fund. Ma iShares ETF asanu ndi awiri ali m'gululi, lomwe lili ndi magawo oyenera opuma pantchito kapena omwe amalonda omwe sakonda chiopsezo. 51% ya portfolio ikuphatikiza iShares Core Total USD Bond Market ETF (IUSB), yomwe ikufuna kuyika ndalama pamsika wonse wa US fixed-income. iShares International Bond ETF ili ndi 8.6% yowonjezera (IAGG). Gawo la magawoli limaphatikizapo makamaka makampani apakatikati ndi ang'onoang'ono, masheya otukuka komanso otukuka , ndi ndalama zogulitsa ndalama (ETFs) zomwe zimayika ndalama mu S&P 500.
- US Efficient Core Fund kuchokera ku WisdomTree (NTSX)
WisdomTree US Efficient Core Fund, yomwe kale inkadziwika kuti 90/60 US Balanced ETF, imagwiritsa ntchito njira yosiyana ndi zinthu zina zomwe zili pamndandanda wathu. Sichimayika ndalama zandalama; m'malo mwake, imagula ndalama zazikuluzikulu zaumwini ndi makontrakitala am'tsogolo ku US Treasury. Popeza ali ndi mgwirizano wocheperako ndi masheya kuposa ma bond, WisdomTree yasankha kuyika ndalama zamtsogolo zopeza ndalama zokhazikika. Njira iyi imapereka kuchepa kwa kusinthasintha kwa mbiri, ndalama, komanso kukula kwachuma. Pakadali pano, 60% yazinthu za NTSX zimaperekedwa ku Treasury mtsogolo ndi zokhwima zosiyanasiyana, pomwe 40% imayikidwa muzinthu zazikulu. Komabe, ndalamazo zimakhala ndi magawo osinthika, choncho malingana ndi momwe msika ulili, chiŵerengero cha katundu wogulitsidwachi chikhoza kusinthasintha.
- Multi-Asset Real Return ETF kuchokera SPDR SSGA (RLY)
Zolinga za SPDR SSGA Multi-Asset Real Return ETF zikuphatikizapo kusunga ndalama, kupanga ndalama, ndipo pamapeto pake, kupereka phindu lenileni loposa kuchuluka kwa kukwera kwa mitengo. Zotsatira zake, RLY inatha kupeza malo pamndandanda wathu wa ma ETF apamwamba kwambiri polimbana ndi kukwera kwa mitengo. RLY ndi ETF yoyendetsedwa bwino yomwe imayika ndalama muzinthu, malo , komanso zitetezo zamkati ndi zakunja zomwe zimatetezedwa ndi kukwera kwa mitengo. Cholinga chake ndikuchita bwino m'malo okwera kwa mitengo kuti tigogomeze makampani m'mafakitale a ulimi, mphamvu, zitsulo, ndi migodi.
SPDR Bloomberg 1-10 Year TIPS ETF (TIPX), yomwe imayika ndalama ku Treasury Inflation-Protected Securities, ili ndi gawo la 10% ku ma ETF 11 a portfolio. Zomangamanga zapadziko lonse lapansi, ma ETF opeza zokolola zambiri, ndi zinthu zachilengedwe zapadziko lonse lapansi zimaphatikizanso 75% yazinthu zonse. Ndalama zokhazikika, REIT, zitsulo, mphamvu, migodi, ndi ETF zaulimi zikuphatikizidwa mu 15% yotsalayo.
- Core Growth Allocation ETF kuchokera ku iShares (AOR)
Kwa osunga ndalama omwe akuyang'ana ndalama zotsika, zoyendetsedwa mosasamala, komanso zosunga ndalama zogwirira ntchito zawo, iShares Core Growth Allocation ETF ndiyo njira yabwino kwambiri. Ena angaganize kuti mawu akuti "Core Growth Allocation" pamutuwu ndi osokeretsa pang'ono. Ngakhale kugawika kwa chuma kwa thumba la 60% ndi ma bond 40% kumatchedwa "kukula," zitha kufotokozedwa molondola ngati njira yochepetsera, osati kuti pali vuto lililonse. S&P 500, misika yotukuka komanso yapadziko lonse lapansi, komanso magawo ang'onoang'ono kumagawo apakati ndi ang'onoang'ono amaphimbidwa ndi eni ake asanu ndi awiri a iShares ETFs AOR.
