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新加坡 | 选择ETF还是基金好？

当涉及投资时，很多人感到无所适从，尤其是对于初学者来说。但其实投资并不需要那么复杂！对于新加坡来说，建立财富的两个流行选择是 ETF（交易所交易基金）和共同基金。它们都可以轻松获取多样化的资产组合，但它们之间存在一些关键区别，这可能会影响你的选择。

我们可以用蛋糕来类比：

  • ETFs 就像预先混合好的蛋糕粉：它们简单易得，提供一致的结果。ETFs 跟踪特定的指数，例如标普 500，让你在不需要进行大量研究的情况下获得广泛的公司曝光。
  • 共同基金 就像定制蛋糕：它们提供更大的灵活性和潜在的更高回报，因为有专业的基金经理精心挑选基金内的投资，旨在超越市场表现。

让我们详细看看它们之间的关键区别：

  1. 可获得性：ETFs 在股票交易所交易，易于买卖。共同基金需要通过特定的分销商购买。
  2. 费用：ETFs 通常具有较低的费用比率（低于 1%），而共同基金的费用通常在 1-2% 范围内。长期投资来看，这可能产生显著影响。
  3. 管理：ETFs 是被动管理的，意味着它们只是跟踪一个指数。共同基金由专业人士主动管理，可能带来更高的回报，但也伴随着更高的风险。
  4. 灵活性：共同基金在资产配置方面更加灵活，允许你选择特定的行业或投资策略。ETFs通常专注于特定的指数或行业。

那么，哪个更适合你呢？

  • 新投资者：对于初学者来说，ETFs 是一个绝佳的起点。考虑投资一只新加坡的 ETF，以获得本地市场的曝光，并逐渐适应投资。
  • 风险承受能力：如果你对波动和潜在的更高回报感到舒适，可以探索共同基金。
  • 投资目标：两者都可以帮助你实现投资目标，但要根据你的风险偏好和所需的定制程度来选择。

还有一些重要的要点需要记住：

  • 发行人风险：无论是 ETFs 还是共同基金，都存在发行人风险，即管理基金的公司可能会失败。
  • 波动性：这两种投资都具有波动性风险，即其价值会波动。
  • 流动性：将你的投资转换回现金可能需要几天的时间。

成功的投资提示：

  • 长期投资：为了应对市场波动，要进行长期投资。
  • 定期定额投资：持续地定期投资，以平均你的投资价格。
  • 低谷买入：当市场下跌时，这是以较低价格购买资产的机会。

下一步？

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新加坡 | 选择ETF还是基金好？ — Engage

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
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  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策