Forskelle mellem investeringsforeninger og ETF’er

Indholdet af InvestorsOrbit er udarbejdet med det formål at give en generel introduktion til finansielle produkter. InvestorsOrbit kan ikke erstatte finansiel rådgivning og kan hverken anses for at være et tilbud om at yde finansiel rådgivning eller et tilbud om nogen anden rådgivning eller service. Investorer opfordres til at kontakte egen investeringsrådgiver for individuel information om eventuel investering, skatteforhold med videre.

Investorer, der overvejer køb af enhver form for fond, kan også søge information om forskellene mellem investeringsforeninger og børshandlede fonde (ETF’er). Men inden man overvejer forskellene mellem de to fondstyper, er der et par centrale ligheder, som er værdifulde at vide.

Her er hvordan investeringsforeninger og ETF’er er ens:

  • Investeringsforeninger og ETF’er er diversificerede investeringer: Både investeringsforeninger og ETF’er giver investorer mulighed for at købe en ”kurv” med værdipapirer inden for en investeringssikkerhed. De investerer begge typisk inden for et angivet eller underforstået mål, såsom vækst, værdi eller indkomst, og de vil normalt investere inden for en bestemt kategori af aktier eller obligationer, såsom store kapitalandele, udenlandske aktier eller mellemfristede obligationer.
  • ETF’er ligner investeringsforeninger: ETF’er administreres passivt, hvilket gør dem mest lig investeringsforeninger. Inden for denne lighed vil både investeringsforeninger og ETF spejle resultaterne af et underliggende indeks, såsom S&P 500; de har begge ekstremt lave udgiftsforhold sammenlignet med aktivt forvaltede fonde, og de kan begge være forsigtige investeringstyper til diversificering og porteføljeopbygning.

Forskelle mellem investeringsforeninger og ETF’er

Der er adskillige forskelle mellem investeringsforeninger og ETF’er, som det er vigtigt at vide, før du vælger, hvilket er bedst til dit investeringsmål.

Her er de vigtigste forskelle mellem investeringsforeninger og ETF’er:

  • Investeringsforeninger vs. ETF-tidspunkt for handelsafvikling: Investeringsbeviser handles i slutningen af ​​dagen, mens ETF’er handles inden for dagen. Lad os for eksempel sige, at du vil købe eller sælge et investeringsbevis. Den pris, som du køber eller sælger, er ikke rigtig en pris; det er nettoformue eller NAV af de underliggende værdipapirer; og du vil handle ved fondens NAV ved udgangen af ​​handelsdagen. I modsætning hertil handler ETF’er dagligt som aktier. Dette kan være en fordel, hvis du er i stand til at drage fordel af prisbevægelser, der finder sted i løbet af dagen. På nogle dage kan markedet bevæge sig højere eller lavere med op til 1% eller mere. Dette giver både risiko og mulighed afhængigt af din nøjagtighed i at forudsige tendensen.
  • Evne til at foretage aktieordrer med ETF’er: En anden forskel, som ETF’er har er deres aktielignende handelsaspekt, hvor de kan afgive aktieordrer (eller markedsordrer), som kan hjælpe med at overvinde nogle af adfærds- og prisrisikoen ved dagshandel. For eksempel med en grænseordre kan investoren vælge en pris, som en handel udføres til. Med en stopordre kan investoren vælge en pris under den aktuelle pris og forhindre et tab under den valgte pris. Investorer har ikke denne type fleksibel kontrol med investeringsforeninger.
  • ”Spredning” på ETF’er: En del af det handlingsdygtige aspekt af ETF’er er det, der kaldes “spredning”, hvilket er forskellen mellem et sikkerheds bud og anmodningspris. For at simplificere dette, så er den største risiko her, at nogle ETF’er ikke er særlig volatile, hvorfor de kan ske at blive mindre gunstige. Se derfor efter bredt handlede indeks-ETF’er, såsom SPDR S&P 500 (SPY) og pas på nicheområder som snævert handlede sektor- og landsfonde.
  • Investeringsforeninger vs. ETF-udgifter: ETF’er har typisk lavere udgiftsforhold end de fleste investeringsforeninger og kan undertiden have udgifter lavere end investeringsforeninger. Dette kan i teorien give en lille fordel i afkastet over investeringsforeninger for den pågældende investor. ETF’er kan dog have højere handelsomkostninger. For eksempel opkræver nogle mæglerfirmaer provisioner for handel med ETF’er. Hvis du ofte handler ETF’er, kan omkostningerne til provisionerne ende med at overstige besparelserne på den lavere omkostningsprocent sammenlignet med den sammenlignelige investeringsforeninger.
  • Aktiv vs. passiv forvaltning: Investeringsforeninger og ETF”er kan enten administreres passivt eller forvaltes aktivt; der henviser til, at der er meget få aktivt styrede ETF’er, der tilbydes i dag.

Opsumering

Skal du bruge investeringsforeninger eller ETF’er? Investeringsforeningers kontra ETF-debatten behøver ikke være et enten / eller spørgsmål. Hvis en investor sammenligner en investeringsforening og en ETF, der begge sporer det samme benchmark-indeks, er fonden med den laveste omkostningsprocent generelt det smarte valg.

Men til opbygning af en diversificeret portefølje kan investeringsforeninger og ETF’er være komplementære til hinanden. For eksempel kan nogle investorer lide ETF’er til sektor fonde og investeringsforeninger til aktivt styrede valg. Uanset hvad du beslutter, skal du bare være sikker på, at blandingen er diversificeret og passer til din risikotolerance og investeringsmål.

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