Ukukhetha umxube ofanelekileyo we-asethi kwipotfoliyo yakho ngundoqo wotyalo-mali oluyimpumelelo. Ngolawulo olusebenzayo, umxube ohlukeneyo wee-stocks, iibhondi, kunye nezinye izixhobo kwi-fund yexabiso eliphantsi, iimali ezilinganisiweyo zibonelela ngendlela emfutshane elula. I-ETF yolwabiwo lwe-asethi okanye i-ETF elinganayo yipotfoliyo yemali egcina iindidi ezimbini okanye ngaphezulu ezahlukeneyo ze-asethi. Ngokuqhelekileyo batyala imali kwizabelo ezahlukeneyo kunye neengxowa-mali zebhondi kunye nolwabiwo olumiselwe kwangaphambili kwicandelo ngalinye le-asethi.
Ngokomzekelo, ingxowa-mali elungeleleneyo ngononophelo iya kutyala i-65% kwi-stocks kunye ne-35% kwii-ETF zebhondi. Abanye banokusebenzisa ulwabiwo oluguquguqukayo olutshintsha ngokuhamba kwexesha okanye batyale imali kwiintlobo ezahlukeneyo ze-asethi. Sizama ukukubonelela ngoluhlu oluhlolisiswe ngononophelo lwemali elungeleleneyo ukuba ufuna ipotifoliyo yotyalo-mali eyohlukeneyo kwingxowa-mali enye. Siqulunqe uluhlu lwee-ETF eziphezulu ezilungelelanisiweyo eziqwalasela iimfuno zabatyali-mali abanobuqhophololo kunye neengxowa-mali ezisebenzisa ulwabiwo olusisigxina noluguquguqukayo, kodwa uya kufuna akhawunti kunye nomthengisi we-forex ukurhweba ii-ETFs.
- I-Core Aggressive Allocation ETF esuka kwi-iShares (AOA)
I-iShares Core Aggressive Allocation ETF inokufaneleka uviwo olongezelelweyo ngabatyali-mali abancinci, abandlongondlongo abafuna ipotifoliyo epheleleyo, ephantsi kwingxowa-mali enye. Iphethe ii-iShares ezisixhenxe zeengxowa-mali ezithengiswayo kwipotifoliyo eyohlukeneyo ebandakanya isitokhwe sasekhaya nesangaphandle kunye nee-ETF ezinengeniso esisigxina. Iingxowa-mali ezimbini zebhondi, enye yalapha ekhaya enye yangaphandle, ibanjwe yi-AOA. Kuphela yi-17% yengxowa-mali etyalwe kwingeniso esisigxina, njengoko kulindelekile kwipotifoliyo eyingozi, kwaye intsalela iya kwiingxowa-mali zesitokhwe ezahlukahlukeneyo. I-S & P 500, phakathi kunye ne-stock-cap yase-US encinci, kunye neenkampani eziphuhlisiwe kunye nezikhulayo zemarike, zizona ingqwalasela ephambili ye-stock fund ezintlanu.
- I-Global Asset Allocation ETF esuka eCambria (GAA)
Kuya kufuneka ukhangele kude nakude ukuze ufumane ingxowa-mali elungeleleneyo eneyantlukwano ebanzi ye-asethi kuneCambria Global Asset Allocation ETF. Ii-ETF ezingama-29 ezizezale ngxowa-mali zilawulwa ngokusebenzayo zigubungela uluhlu olubanzi lweendawo kunye neendidi ze-asethi. I-GAA lutyalo-mali lokuthenga-ubambe olugubungela indalo iphela yezinto ezinokutyalwa, kubandakanywa izabelo zamashishini ezingenanzala emisiweyo zasekhaya nezangaphandle, iibhondi, utyalo-mali lwepropathi, imveliso, kunye neemali. Zombini ii-ETF zobunikazi zeCambria kunye neemali zangaphandle zibandakanyiwe kwipotifoliyo. Ulwabiwo lwengxowa-mali kwizabelo zamashishini ezingenanzala emisiweyo, iibhondi, kunye nee-asethi zokwenyani, ezifana neempahla zorhwebo kunye nemali, yi-40%, 40%, ne-20% ngokulandelelanayo. Ukugcina lo mxube ufunwayo we-asethi, ulungelelaniswa rhoqo. Ukulinganisa kwakhona kuthathela ingqalelo iirhafu, eziluncedo kubantu abangabanini be-GAA kwii-akhawunti ze-brokerage ezirhafiswayo.
- I-Core Moderate Allocation ETF esuka kwi-iShares (AOM)
Kubatyali-mali abalumkileyo abafuna ingxowa-mali ephantsi yomrhumo ukuze babambe uninzi lweeasethi zabo ezinokutyalwa, i-iShares Core Moderate Allocation ETF yeyona ndlela ibalaseleyo. Ngaphandle kwembuyekezo ephantsi yeminyaka emihlanu yeminyaka emihlanu, ephuma kumazinga asezantsi kakhulu ngokwembali athe avala imbuyekezo kwingeniso emiselweyo, sicinga ukuba le ngxowa-mali imi kwindawo entle ukuvelisa zombini ukuhamba kwemali okuzinzileyo kunye nokukhula okunamandla kwixesha elizayo. Ulwabiwo lwe-asethi lwe-AOM lunokugcinwa ngokufanelekileyo, malunga ne-60% yebhondi kunye ne-40% ye-stocks, nangona ibhekiswa njengengxowa-mali yolwabiwo oluphakathi. Ii-ETF ezisixhenxe ze-iShares zigcinwe yingxowa-mali, enesabelo se-asethi esifanelekileyo kubantu abadla umhlala-phantsi okanye abatyali-mali abanobungozi. I-51% yepotfoliyo iquka i-iShares Core Total USD Bond Market ETF (IUSB), efuna ukutyala imali kuyo yonke imarike yengeniso esisigxina yase-US. I-iShares International Bond ETF ine-8.6% ngaphezulu (IAGG). I-equity section ibandakanya ikakhulu i-mid- and small-cap corporations, ephuhlisiwe nasakhulayo. iimpahla zemarike, kunye neengxowa-mali zotshintshiselwano (ETFs) ezityala imali kwi-S&P 500.
- US Efficient Core Fund evela kwiWisdomTree (NTSX)
I-WisdomTree US Efficient Core Fund, ngaphambili eyayisaziwa njenge-90/60 US Balanced ETF, isebenzisa indlela eyahlukileyo kunezinye izinto ezikuluhlu lwethu. Ayityali mali kwiingxowa-mali; endaweni yoko, ithenga ii-equities ezinkulu zomntu ngamnye kunye neekhontrakthi zexesha elizayo kwi-Ofisi kaNondyebo waseMelika. Ekubeni banokudityaniswa okuncinci kunye nezitokhwe kuneebhondi, i-WisdomTree inqume ukutyalomali kwi-fuxed-income future. Esi sicwangciso sibonelela ngokuncipha kokuguquguquka kwepotfoliyo, ingeniso, kunye neenzuzo zokukhula kwenkunzi. Ngoku, i-60% yee-asethi ze-NTSX zabelwa ikamva likanondyebo ngokuvuthwa ngokwahlukeneyo, ngelixa i-40% ityalwe kwizabelo zezabelo ezinkulu. Nangona kunjalo, ingxowa-mali inesabelo se-asethi esiguquguqukayo, ngoko kuxhomekeke kwimeko yemarike, lo mlinganiselo we-stock-to-bond ungaguquguquka.
- Ii-Asethi ezininzi zeReturn ETF esuka kwi-SPDR SSGA (RLY)
Iinjongo zeSPDR SSGA Multi-Asset Real Return ETF ziquka ukugcinwa kwemali eyinkunzi, ukuveliswa kwengeniso, kwaye, ekugqibeleni, ukuhanjiswa kwembuyekezo yokwenyani enkulu kunomlinganiselo wokunyuka kwamaxabiso. Ngenxa yoko, i-RLY yakwazi ukukhusela indawo kuluhlu lwethu lwee-ETF eziphezulu zokubetha ukunyuka kwamaxabiso. I-RLY yi-ETF elawulwa ngokusebenzayo eyenza utyalo-mali kwizinto zorhwebo, izindlu ezithengiswayo, kunye nezibambiso ezikhuselweyo zokunyuka kwamaxabiso zangaphakathi nezangaphandle. Kujongwe ukuba kusebenze kakuhle kwimeko yokunyuka kwamaxabiso ukugxininisa iinkampani kwezolimo, amandla, isinyithi, kunye noshishino lwezemigodi.
ISPDR Bloomberg 1-10 Year TIPS ETF (TIPX), etyala imali kwi-Treasury Inflation-Protected Securities, ine-10% yesabelo kwi-portfolio's 11 ETFs. Iziseko ezingundoqo zehlabathi, ii-ETF zesicwangciso semveliso yesivuno esiphezulu, kunye nemithombo yendalo yehlabathi ibangela enye i-75% yepotfoliyo. Ingeniso embalwa esisigxina, i-REIT, isinyithi, amandla, imigodi, kunye nee-ETF zezolimo zibandakanyiwe kwi-15% eseleyo.
- I-Core Growth Allocation ETF esuka kwi-iShares (AOR)
Kubatyali-mali abafuna umrhumo ophantsi, olawulwa ngokungazenzisiyo, kunye nengxowa-mali elungeleleneyo yokubamba iipotfoliyo zabo, i-iShares Core Growth Allocation ETF yeyona ndlela ilungileyo. Abanye basenokucinga ukuba ibinzana elithi “Ulwabiwo olungundoqo lokuKhula” kwisihloko liyalahlekisa kancinane. Nangona ulwabiwo lwe-asethi yengxowa-mali ye-60% ye-stocks kunye ne-40% yebhondi ichazwe "njengokukhula," inokuchazwa ngokuchanekileyo njengesicwangciso sepotfoliyo esithobekileyo, kungekhona ukuba kukho ingxaki kuyo. I-S&P 500, ephuhlisiwe kunye neemarike ze-equity kwihlabathi jikelele, kunye nolwabiwo oluncinci kwi-middle- and small-cap equities zigutyungelwa zisixhenxe ze-iShares ETFs AOR ngabanini.
