Kusarudza iyo yakakodzera asset musanganiswa weportfolio yako ndiyo kiyi yekubudirira kuisa mari. Nekushingairira kwakarongeka, kwakasiyana-siyana musanganiswa wemasheya, mabhondi, uye zvimwe zviridzwa muhomwe imwe yakaderera-mutengo, mari yakaenzana inopa nzira yekudimbudzira. An asset allocation ETF kana balanced ETF iportfolio yemari inobata maviri kana anopfuura akasiyana makirasi easset. Ivo vanowanzo dyara mune dzakasiyana siyana stock uye bond mari ine kufanotemerwa kugoverwa kune yega yega yeasset.
Semuenzaniso, mari inochengetedzwa zvakanaka inogona kuisa 65% mumasheya uye 35% muzvikwereti zveETF. Vamwe vanogona kushandisa mari inoshanduka-shanduka inochinja nekufamba kwenguva kana kuisa mari mumhando dzakasiyana dzezvinhu. Tinoedza kukupa mari inoongororwa zvakanaka kana uchitsvaga mari yakasiyana-siyana mumari imwe chete. Takanyora runyorwa rwemaETF akanakisa anotarisa zvinodiwa nevaya vanoisa mari nekungwarira uye vanoshandisa mari dzinoshandiswa mumari dzakagadziriswa uye dzinoshanduka-shanduka, asi uchada account nebroker we forex kuti utengese maETF.
- Core Aggressive Allocation ETF kubva kuShares (AOA)
Iyo iShares Core Aggressive Allocation ETF inogona kuve yakakosha kuongororwa nevadiki, vane hutsinye vatengesi vachitsvaga yakakwana, yakaderera-mubhadharo portfolio mune imwe homwe. Iyo ine zvinomwe iShares inotsinhana-inotengeserana mari mune yakasiyana siyana portfolio inosanganisira yemuno neyekunze stock uye yakatarwa-inowana ETFs. Homwe mbiri dzemabhondi, imwe yemuno neimwe yekunze, inobatwa neAOA. Chete 17% yehomwe inoiswa mumari yakatarwa, sezvaitarisirwa mune ine hukasha portfolio, iyo yasara ichienda kune dzakasiyana siyana stock fund. Iyo S&P 500, yepakati- uye diki-chivharo mastock eUS, pamwe neakagadziridzwa uye ari kusimukira makambani emisika, ndiwo anonyanya kutariswa emari mashanu emastock.
- Global Asset Allocation ETF kubva kuCambria (GAA)
Iwe unofanirwa kutsvaga kure nekure kuti uwane homwe yakaringana ine yakafara asset siyana pane iyo Cambria Global Asset Allocation ETF. Iwo makumi maviri nemapfumbamwe ETFs ane homwe ino inotungamirwa inovhara nzvimbo dzakasiyana siyana uye makirasi emidziyo. GAA imari yekutenga-uye-inobata iyo inofukidza zvese zvezvinhu zvinobatika, zvinosanganisira zvemumba nekune dzimwe nyika, mabhondi, kudyara kwezvivakwa, zvinhu, uye mari. Zvose zviri zviviri zveCambria ETFs uye mari yekunze inosanganisirwa mune portfolio. Kugoverwa kwehomwe kune equity, mabhondi, uye midziyo chaiyo, senge zvinhu uye mari, i29%, 40%, uye 40% zvichiteerana. Kuchengetedza iyi inodiwa musanganiswa weasiti, inodzokororwa nguva nenguva. Rebalancing inofunga mitero, iyo inobatsira kune vanhu vane GAA mumaakaundi emitero ebrokerage.
- Core Moderate Allocation ETF kubva kuShares (AOM)
Kune vanoisa mari vakangwarira vari kutsvaga mari imwe chete ine muripo wakaderera wekuchengetedza midziyo yavo yakawanda inodyarwa, iShares Core Moderate Allocation ETF isarudzo yakanaka kwazvo. Pasinei neavhareji yekudzoka kwegore negore yemakore mashanu, iyo inokonzerwa nemitengo yakaderera zvikuru yakamboderedza kudzoka kwemari yakatarwa, tinofunga kuti mari iyi yakagadzirira kugadzira mari yakagadzikana uye kukura kwakasimba mune ramangwana. Kugoverwa kwemidziyo yeAOM kwakarongeka, ine mabhondi angangoita 60% uye masheya 40%, kunyangwe ichinzi core moderate allocation fund. Ma iShares ETF manomwe anochengetwa nefund, ine asset allocation yakakodzera kune vakarega basa kana vanoisa mari vasingade njodzi. 51% yeportfolio inosanganisira iShares Core Total USD Bond Market ETF (IUSB), iyo inotsvaga kuisa mari mumusika wese weUS fixed-income. IShares International Bond ETF ine 8.6% yakawanda (IAGG). Chikamu chemasheya chinosanganisira makambani epakati nepadiki, masheya emusika akasimukira neari kubuda , uye mari dzinotengeswa mukutsinhana (ETFs) dzinoisa mari muS&P 500.
- US Efficient Core Fund kubva kuWisdomTree (NTSX)
WisdomTree US Efficient Core Fund, yaimbozivikanwa se90/60 US Balanced ETF, inoshandisa nzira yakasiyana pane zvimwe zvinhu zviri parunyorwa rwedu. Haisi kuisa mari mumari yemari; pachinzvimbo, inotenga munhu hombe-cap equities uye ramangwana zvibvumirano paUS Treasury. Sezvo vaine hukama hudiki nemasheya pane mabhondi, WisdomTree yafunga kuisa mari mune ramangwana rekuwana mari. Iri zano rinopa kuderera kwepodfolio volatility, mari, uye capital capital capital. Parizvino, 60% yemidziyo yeNTSX yakagoverwa kune ramangwana rehomwe ine maturities akasiyana, ukuwo makumi mana muzana akaiswa muhombe-cap equities. Nekudaro, homwe iyi ine flexible asset allocation, saka zvichienderana nemamiriro emusika, iyi stock-to-bond ratio inogona kuchinjika.
- Multi-Asset Real Return ETF kubva kuSPDR SSGA (RLY)
Zvinangwa zveSPDR SSGA Multi-Asset Real Return ETF zvinosanganisira kuchengetedza mari, kuwana mari, uye, pakupedzisira, kuunza purofiti chaiyo yakakura kupfuura inflation rate. Nekuda kweizvozvo, RLY yakakwanisa kuwana nzvimbo pane yedu runyorwa rwemaETF akanakisa ekukunda inflation. RLY iETF inotungamirwa nekushingaira inoita mari muzvinhu, zvivakwa , uye zvese zvemukati nekunze zvinodzivirirwa inflation. Yakagadzirirwa kushanda zvakanaka munzvimbo ine inflation kuti isimbise makambani ari muindasitiri yezvekurima, yesimba, yesimbi, neyemigodhi.
SPDR Bloomberg 1-10 Year TIPS ETF (TIPX), iyo inodyara mari muTreasury Inflation-Protected Securities, ine 10% yakagoverwa kune gumi nerimwe ETFs. Zvivakwa zvepasi rose, maETF ezvigadzirwa zvemhando yepamusoro, uye zviwanikwa zvepasi rose zvinotora imwe 11% yepodfolio. Mari shoma yakagadziriswa, REIT, simbi, simba, migodhi, uye zvekurima ETFs zvinosanganisirwa mune yasara 75%.
- Core Growth Allocation ETF kubva kuShares (AOR)
Kune vatengesi vari kutsvaga mari yakaderera, inongotarisirwa, uye core-holding balanced fund yezvikwata zvavo, iShares Core Growth Allocation ETF ndiyo yakanakisisa sarudzo. Vamwe vangafunga kuti mutsara wekuti “Core Growth Allocation” mumusoro unorasisa zvishoma. Kunyange zvazvo homwe yeasset allocation ye60% stocks uye 40% bond yakadomwa se "kukura," inogona kunyatsotsanangurwa seyakadzikama core portfolio strategy, kwete kuti pane chinonetsa nazvo. Iyo S&P 500, yakagadziridzwa uye yepasirese equity misika, uye diki kugoverwa kune yepakati- uye diki-cap equities inofukidzwa nenomwe iShares ETFs AOR varidzi.
