Om te besluit of ‘n ETF vir jou is, moet nie ‘n taak wees nie. Daarom het Beleggingsgidse die onderstaande geskryf hoe om ‘n ETF-gids te dissekteer. Volg eenvoudig hierdie stappe en jy sal binnekort ‘n nuwe roetine hê!
Time needed: 15 minutes.
Hoe om ‘n ETF in 10 maklike stappe te dissekteer
- Underlying investing products
The ETF must be investing in an underlying product such as stocks, bonds or commodities and more. Knowing the product means knowing how it does, or does not fit in your strategy.
- Cost clarity
Find the expense ratio, or ongoing cost figure (OCF). This cost is a payment to the asset manager at the end of the year. A low expense ratio is therefore good, as it means you keep more profits for yourself.
- Level of diversification
An ETF is generally preferred over individual stocks as it reduces risk and spreads your investment. The lower the concentration of top 10 instruments within an ETF is, the broader its funds are invested. Hence, the safer to invest in.
- Follow the index following
Read an ETFs description to find what index it follows and how. For example, if an ETF states it ‘Seeks to track the performance of the CRSP US Total Market Index.’, then it aims to concentrate your investment on the US market.
- Mimicking
After identifying the index, it’s now important to compare the performance of that index with the ETF. The closer this figure hits its counterpart, the better the investment.
- Assess the type
ETFs effectively have 2 types that cater to different strategies. Either an ETF is of distributing nature, in which case investors earn all dividends and interests on a period basis. Or, the ETF is of the accumulating type, where all earnings and reinvested into the ETF resulting in a compounding effect over time.
- History
Look into the ETF historical performance as well as overall age. A ‘young’ ETF will most likely need more attention than an established one. If you are unsure of an ETF you found, simply continue searching and odds are you will find a different one tracking the same index.
- Financial ‘size’
AuM, assets under management. A term that describes the ‘size’ of an ETF in this case. More AuM means a lower chance of the fund/company becoming insolvent.
- Know about leverage (u0026 avoid it)
Leverage is a tool used by advanced investors and/or traders who know how it can be to their benefit. In ETFs, leverage can mean a market move is doubled or tripled in the ETF. This can leave you with a 60% loss (leverage X3) on your ETF if the market had a dip of 20%.
- Trading volume
Popularity and liquidity can both make or break an ETF. If many people buy and sell the instrument, it’s considered more trustworthy. If the ETF holds stocks or bonds from a company that has issued many, it becomes easier and faster to buy or sell due to a higher supply.
- Bonus: KID u0026 ESG
Each ETF, by law, needs to have a Key Information Document (KID). Although not the most engaging documents, they hold all major facts of the ETF. Moreover, on most EFT provider website’s, you can find assessments on ESG.
ETF basiese beginsels
Voordat jy verder lees, maak seker dat jy weet wat ‘n ETF is. U kan hier op ETF’s lees. As hierdie stappe nuttig was, kan jy voortgaan met jou reis om twyfel hier te belê, of begin belê in 7 stappe hier.
Die werk om ‘n ETF te kies
Kom ons wees eerlik, niemand is opgewonde om deur lyste dokumente en aanlyn PDF’s te gaan om 2% van die inligting te onthou nie en hoop dat hulle die regte keuse gemaak het.
As u ‘n ETF kies, wil u vol vertroue wees dat u dit gekies het om die regte redes om u persoonlike strategie te pas. Dit hoef nie ure te neem nie, nie eers 15 minute nie!
Dissekteer eerder ‘n ETF
Om ‘n ETF te dissekteer, is om geteiken te werk en slegs die inligting wat jy werklik nodig het, te herwin. Die 10 stappe in hierdie gids is die belangrikste statistieke waarna u ‘n ingeligte besluit kan neem oor enige ETF wat u oorweeg om by u beleggingsportefeulje te voeg.
Tydens hierdie gids het ons gebruik gemaak van Yahoo Finance, ETF-verskafferwebwerf en ons makelaarrekening. Die meeste inligting kan egter in een van hierdie drie bronne gevind word.
