Mokapo 14

Sombá ETF na yo

Liste ya kolanda na ba checkmarks mpe caddie — prêt ya kosomba

Oyebi mpo na nini kotia mbongo, nini ya kotia mbongo na yango, mpe mbongo boni. Sikoyo tókɔta na pratique: nini mpenza osengeli kosomba?

ETF nyonso esalemá ndenge moko te. Ba oyo ekonseillé na mokanda oyo eponamá spécialement mpo na ba investisseurs Européens mpe elandaka ba règles misato ya pete.

Règle 1: Accumulating (Acc), kasi Distributing (Dist) te

ETF mosusu efutaka yo dividendes — ba paiements ya moke ya cash uta na ba entreprises oyo ezali na kati ya ETF. Oyo ebengamaka ETF ya distributing (Dist).

Mokakatano? Na ba pays mingi ya Europe, dividendes efutisaka taxe mbala na mbala ntango efutamaka:

  • France: 30% flat tax na dividende mokomoko
  • Belgique: 30% précompte na dividendes
  • Pays-Bas: efutisaka taxe lokola eteni ya taxe ya bomengo
  • Luxembourg: tii 20% précompte

Taxe oyo ekitisaka croissance na yo ya ntango molai — mbongo oyo elingaki kozala ko-composer ezali kokende na État.

ETF ya Accumulating (Acc) esilisaka yango. Etiaka lisusu dividendes na kati ya ETF automatiquement. Mbongo cash te efutamaka, yango wana taxe ya dividende ya mbula te etiamaka. Ofutaka taxe kaka ntango oteki na nsuka.

Luká ntango nyonso:

  • ✓ "Acc" to "Accumulating" na nkombo ya ETF

Boyá:

  • ✗ "Dist" to "Distributing"
ETF ya Distributing ebungisaka 30% na taxe mbula na mbula ntango ETF ya Accumulating etiaka lisusu mpe ekola — taxe te tii oteki

Règle 2: UCITS econfirmé

ETF na yo esengeli koloba UCITS na nkombo na yango. Yango ezali standard ya Europe oyo ezali garantir ete ETF:

  • Ezali diversifié malamu
  • Ezali na risque limité
  • Ebatelaka mbongo na yo na bokabwani ya sûreté

Soki ezali UCITS te, kosomba yango te.

Règle 3: Enregistré na Irlande (IE)

ETF enregistramaka na ba pays ekeseni. Mpo na ba investisseurs Européens, Irlande ezali pays ya malamu koleka mpo na ba traités ya taxe ya avantage.

Yango ezali automatique — osengeli kosala eloko te. Kaka verifier ete code ya pays ya ETF ezali IE (Irlande).

Liste ya kolanda mpo na kopona ETF ya malamu: Accumulating, UCITS econfirmé, mpe enregistré na Irlande

ETF ekonseillé

ETF nyonso oyo ezali na nse ezali UCITS, enregistré na Irlande, mpe accumulating:

Liloba mpo na ba nkombo ya ticker: Oyo ezali ba nkombo ya index, kasi ba symboles ya ticker mpenza te. ETF mpenza oyo osombaka etalelaka courtier na yo, pays, mpe bourse. Na ndakisa, ETF ya S&P 500 ekoki kobengama VUSA, CSPX, SPY, to VOO — bango nyonso balandaka ba entreprises 500 ya ndenge moko. Likanisi ya ndenge moko mpo na ACWI mpe Nasdaq 100. Ntango ozali prêt ya kosomba, luká kaka nkombo ya index na courtier na yo mpe poná oyo ezali disponible mpo na yo.

ACWI — option ya mokili mobimba

iShares MSCI ACWI UCITS ETF (Acc)

ISIN: IE00B6R52259

Ba entreprises 3,000+ ya mokili mobimba

Diversifié koleka

S&P 500 — option ya balance

iShares Core S&P 500 UCITS ETF (Acc)

ISIN: IE00B5BMR087

Ba entreprises 500 ya monene koleka ya Amérique

Balance ya malamu

Nasdaq 100 — option ya croissance

iShares Nasdaq 100 UCITS ETF (Acc)

ISIN: IE00B53SZB19

Ba entreprises 100 ya tech ya monene koleka ya Amérique

Croissance ya maximum

Ndenge ya kosomba mpenza

  1. Fungolá compte ya ofele na courtier lokola DEGIRO to Trade Republic
  2. Luká nkombo mobimba ya fonds (ndakisa, "iShares Core S&P 500 UCITS ETF Acc") — ticker ebongwanaka na bourse, yango wana nkombo ezali nzela ya sûr koleka mpo na komona yango
  3. Sombá montant oyo oponá — mpe zambá sanza na sanza. Ba courtiers mosusu epesaka yo nzela ya koautomatiser, ba mosusu okosala na loboko. Ezala ndenge nini, poná mokolo mpe kangamá na yango.
  4. Yango nde — DCA en action
Matambe misato mpo na kosomba ETF: fungolá courtier, luká nkombo ya ETF, sombá mpe zambá sanza na sanza — miniti 10 mpo na ko-installer, nsima autopilot

Likebisi: Ba règles ya taxe ebongwanaka na pays mpe ekoki kobongwana. Mokanda oyo epesaka aperçu ya général — verifier ntango nyonso ba règles ya sikoyo mpo na situation na yo mpenza.

Liteya ya ntina

Luká makambo misato na nkombo ya ETF: Acc, UCITS, IE. Nsima installá achat ya sanza na sanza mpe bosana yango.