{"id":1743,"date":"2024-01-11T07:15:25","date_gmt":"2024-01-11T07:15:25","guid":{"rendered":"http:\/\/localhost\/dpetkovski\/?p=1743"},"modified":"2024-07-03T18:25:20","modified_gmt":"2024-07-03T18:25:20","slug":"etfs-exchange-traded-funds","status":"publish","type":"post","link":"http:\/\/localhost\/dpetkovski\/etfs-exchange-traded-funds\/","title":{"rendered":"ETFs (Exchange Traded Funds)"},"content":{"rendered":"<p>If you heard about ETFs but don&#8217;t completely understand what they are, you&#8217;re at the right place.<\/p>\n<p>So, what is an ETF?<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_60 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-white ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-668bb73783540\" ><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input aria-label=\"Toggle\" aria-label=\"item-668bb73783540\"  type=\"checkbox\" id=\"item-668bb73783540\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/localhost\/dpetkovski\/etfs-exchange-traded-funds\/#What_are_ETFs\" title=\"What are ETFs?\">What are ETFs?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/localhost\/dpetkovski\/etfs-exchange-traded-funds\/#Differences_Between_Index_Funds_and_ETFs\" title=\"Differences Between Index Funds and ETFs\">Differences Between Index Funds and ETFs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/localhost\/dpetkovski\/etfs-exchange-traded-funds\/#Understanding_an_ETF_Quote\" title=\"Understanding an ETF Quote\">Understanding an ETF Quote<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/localhost\/dpetkovski\/etfs-exchange-traded-funds\/#How_to_Pick_ETFs\" title=\"How to Pick ETFs\">How to Pick ETFs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/localhost\/dpetkovski\/etfs-exchange-traded-funds\/#Summary_of_Picking_ETFs\" title=\"Summary of Picking ETFs\">Summary of Picking ETFs<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_are_ETFs\"><\/span>What are ETFs?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Let&#8217;s start with breaking down the acronym first. Maybe it will answer more questions than only what it stands for.<\/p>\n<p>ETF stands for <strong>Exchange Traded Fund<\/strong>.<\/p>\n<p><em>Exchange traded<\/em>, as it suggests, means that it&#8217;s traded on a stock exchange (similar to stocks). And <em>fund<\/em>, as it suggests, means that it&#8217;s a fund (has similar characteristics of standard investment funds).<\/p>\n<p>So basically, an ETF is a like a basket that can hold stocks, bonds, currencies, commodities, or other <em>underlying assets <\/em>and derivatives thereof.<\/p>\n<p>Most ETFs track the performance of a <a href=\"https:\/\/dpetkovski.com\/stock-market-index-explanation-and-examples\/\"><em>market index<\/em><\/a>, such as the S&amp;P 500 or FTSE All-World.<\/p>\n<p>This might remind you of an <em>index fund<\/em>. And indeed, in many ways index-tracking ETFs are quite similar to <a href=\"https:\/\/dpetkovski.com\/index-investing-index-funds-a-gentle-introduction\/\">index funds<\/a> but at the same time, they&#8217;re also quite different.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Differences_Between_Index_Funds_and_ETFs\"><\/span>Differences Between Index Funds and ETFs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>ETFs trade on stock exchanges, just like stocks. So you wouldn&#8217;t buy the shares from the fund itself, but through a broker.<\/p>\n<p>So <strong>owning<\/strong> an ETF shouldn&#8217;t feel much different than owning an index fund, but <strong>buying<\/strong> an ETF shouldn&#8217;t feel much different than buying a share in a company.<\/p>\n<p>As you probably know, index funds are bought or sold at the end of a trading day for their NAV (net asset value). But since ETFs trade during trading hours (just like stocks), their prices fluctuate throughout the day.<\/p>\n<p>So unlike index funds, it is possible to day-trade ETFs. Which doesn&#8217;t mean that you should &#8211; distinguish whether you&#8217;re an investor or a trader.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Understanding_an_ETF_Quote\"><\/span>Understanding an ETF Quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>You can research the details about a certain ETF using its provider&#8217;s website (such as <a href=\"https:\/\/www.ishares.com\/\">iShares<\/a> or <a href=\"https:\/\/vanguard.com\/\">Vanguard<\/a>) or a third-party tool such as <a href=\"https:\/\/www.justetf.com\/en\/\">JustETF<\/a>.<\/p>\n<p>The first thing you&#8217;d see is the fund&#8217;s performance &#8211; usually its 3 month, YTD (year to date), 1 year, 3 year, and 5 year returns.<\/p>\n<p>But the most important details will be in the factsheet\/fund facts section.<\/p>\n<p>Here&#8217;s an example of what you would see:<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-1744\" src=\"http:\/\/localhost\/dpetkovski\/wp-content\/uploads\/2024\/01\/CSPXDetails.png\" alt=\"etfs\" width=\"1252\" height=\"807\" \/><\/p>\n<p>The <em>fund facts<\/em> cover almost everything you need to know as an <a href=\"https:\/\/dpetkovski.com\/index-investing-index-funds-a-gentle-introduction\">index investor<\/a>.<\/p>\n<p>As you can see in the picture above, the\u00a0<strong>benchmark index <\/strong>field shows that it tracks the S&amp;P 500.<\/p>\n<p>Keep in mind that these fields can have different names in different resources. But when you know what you&#8217;re looking for, it won&#8217;t be a problem to figure it out.<\/p>\n<p>Below are some more characteristics you might be interested in:<\/p>\n<ul>\n<li><strong>Management fee <\/strong>or <strong>total expense ratio<\/strong> is what you&#8217;ll need to pay close attention to. Just like all investment funds, all ETFs have annual management fees.<\/li>\n<li><strong><a href=\"https:\/\/dpetkovski.com\/accumulating-vs-distributing-etfs\/\">Distribution policy<\/a>\u00a0<\/strong>(Dist. vs Acc.), describing whether the fund pays out dividends or reinvests them. In the picture, it&#8217;s the <em>Use of Income<\/em> field and it&#8217;s <em>Accumulating<\/em>.<\/li>\n<li><strong>Distribution frequency\u00a0<\/strong>(yearly, semi-annually, quarterly) and the <strong>yield\u00a0<\/strong>(similar to stocks &#8211; the ratio between the annual per-share dividend and the ETF&#8217;s price).<\/li>\n<li><strong>Shares outstanding<\/strong>\u00a0and the\u00a0<strong>volume\u00a0<\/strong>describing how much is traded over a period of time.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Pick_ETFs\"><\/span>How to Pick ETFs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The good news is that you&#8217;d only need a subset of the characteristics from the fact sheet to successfully pick an ETF.<\/p>\n<p>Once you determined your preferred <strong>index<\/strong> and <strong>distribution policy<\/strong>, it comes down to picking the ETF with the lowest\u00a0<strong>TER\u00a0<\/strong>(Total Expense Ratio).<\/p>\n<p>For ETFs that track an index, this should be a small percentage. To help you understand the scale, the ETF from the screenshot above ($CSPX) has a TER of 0.07%. This is for the privilege of clicking a button and having BlackRock worry about distributing and rebalancing your money across 500 companies.<\/p>\n<p>Spend some time comparing the costs of ETFs, as a low cost is crucial for long-term investing. In my <a href=\"https:\/\/dpetkovski.com\/total-expense-ratio-the-importance-of-keeping-it-low\/\">total expense ratio post<\/a><strong>, <\/strong>I already described how big of a difference a 1% fee can make in the long run.<\/p>\n<p>In summary, you can save hundreds of thousands dollars over the years by making a good decision today.<\/p>\n<p>The larger global ETF providers are usually competitive with their fees, so I recommend sticking to those:<\/p>\n<ul>\n<li>BlackRock (managing iShares)<\/li>\n<li>Vanguard<\/li>\n<li>SPDR<\/li>\n<li>Charles Schwab, etc.<\/li>\n<\/ul>\n<p>To compare ETFs from different providers in an uniform manner, I recommend using the <a href=\"https:\/\/www.justetf.com\/en\/find-etf.html\">ETF screener at JustETF<\/a>.<\/p>\n<p>It&#8217;s a really useful tool that allows you to filter ETFs by type (equity, bonds, commodity, real estate, etc.), region, country, sector, and much more. It offers an easy way to compare the most important details of your top picks without of going to the websites of various providers with different UIs.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Summary_of_Picking_ETFs\"><\/span>Summary of Picking ETFs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Determine which index you want to track and a preferred <a href=\"https:\/\/dpetkovski.com\/accumulating-vs-distributing-etfs\/\">distribution policy<\/a>. Then choose a reputable provider&#8217;s ETF with the lowest <a href=\"https:\/\/dpetkovski.com\/total-expense-ratio-the-importance-of-keeping-it-low\">TER<\/a>.<\/p>\n<p>Things are straight forward when you have a tight grasp of the fundamentals.<\/p>\n<hr \/>\n<p><em>For a comprehensive, beginner-friendly, and <strong>free resource<\/strong> on stock market investing, visit:\u00a0<\/em><\/p>\n<p><em><strong><a href=\"https:\/\/dpetkovski.com\/how-to-start-investing-a-complete-beginner-series\/\" target=\"_blank\" rel=\"noopener\">How to Start Investing: A Complete Beginner Series<\/a>.<\/strong><\/em><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you heard about ETFs but don&rsquo;t completely understand what they are, you&rsquo;re at the right place. So, what is an ETF? What are ETFs? Let&rsquo;s start with breaking down the acronym first. Maybe it will answer more questions than only what it stands for. ETF stands for Exchange Traded Fund. Exchange traded, as it&nbsp;&hellip;<\/p>\n","protected":false},"author":1,"featured_media":1745,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16,17],"tags":[],"ppma_author":[4],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>ETFs (Exchange Traded Funds) - D. Petkovski<\/title>\n<meta name=\"description\" content=\"Exchange Traded Funds (ETFs) are funds that trade on a stock exchange (similar to stocks). Learn how they work and how to pick the right ETFs\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/localhost\/dpetkovski\/etfs-exchange-traded-funds\/\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"ETFs (Exchange Traded Funds) - D. 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Petkovski","@id":"http:\/\/localhost\/dpetkovski\/#\/schema\/person\/ce4d9bf1ba43635723c9d1b513b58049"},"headline":"ETFs (Exchange Traded Funds)","datePublished":"2024-01-11T07:15:25+00:00","dateModified":"2024-07-03T18:25:20+00:00","mainEntityOfPage":{"@id":"http:\/\/localhost\/dpetkovski\/etfs-exchange-traded-funds\/"},"wordCount":851,"publisher":{"@id":"http:\/\/localhost\/dpetkovski\/#\/schema\/person\/ce4d9bf1ba43635723c9d1b513b58049"},"articleSection":["Investing","Stocks &amp; ETFs"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"http:\/\/localhost\/dpetkovski\/etfs-exchange-traded-funds\/","url":"http:\/\/localhost\/dpetkovski\/etfs-exchange-traded-funds\/","name":"ETFs (Exchange Traded Funds) - D. Petkovski","isPartOf":{"@id":"http:\/\/localhost\/dpetkovski\/#website"},"datePublished":"2024-01-11T07:15:25+00:00","dateModified":"2024-07-03T18:25:20+00:00","description":"Exchange Traded Funds (ETFs) are funds that trade on a stock exchange (similar to stocks). Learn how they work and how to pick the right ETFs","breadcrumb":{"@id":"http:\/\/localhost\/dpetkovski\/etfs-exchange-traded-funds\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["http:\/\/localhost\/dpetkovski\/etfs-exchange-traded-funds\/"]}]},{"@type":"BreadcrumbList","@id":"http:\/\/localhost\/dpetkovski\/etfs-exchange-traded-funds\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"http:\/\/localhost\/dpetkovski\/"},{"@type":"ListItem","position":2,"name":"ETFs (Exchange Traded Funds)"}]},{"@type":"WebSite","@id":"http:\/\/localhost\/dpetkovski\/#website","url":"http:\/\/localhost\/dpetkovski\/","name":"D. 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Petkovski \ud83d\udcd3 Author\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Husband &amp; Father Software Engineer\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0StrengthCentric Bitcoin Hodler\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0DeFi Veteran \u00a0 \ud83c\udf0d Everything Enthusiast \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\ud83d\udd25 Optimist Revolutionizing ideas. Simplifying complexity. Sharing knowledge.","sameAs":["https:\/\/facebook.com\/dpetkovski","https:\/\/www.instagram.com\/strengthcentric\/","https:\/\/twitter.com\/petkovskix"],"url":"http:\/\/localhost\/dpetkovski\/author\/petkovski\/"}]}},"authors":[{"term_id":4,"user_id":1,"is_guest":0,"slug":"petkovski","display_name":"D. Petkovski","avatar_url":"http:\/\/0.gravatar.com\/avatar\/?s=96&d=mm&r=g","user_url":"","last_name":"","first_name":"","description":"<span style=\"font-size: 23px\">D. Petkovski<\/span> <br> <br>\r\n\r\n\ud83d\udcd3 Author\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\"><img class=\"emoji\" role=\"img\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f46a.svg\" alt=\"\ud83d\udc6a\" \/> Husband &amp; Father <\/span>\r\n<br>\r\n<span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\"><img class=\"emoji\" role=\"img\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f5a5.svg\" alt=\"\ud83d\udda5\ufe0f\" \/> Software Engineer\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <\/span><span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\"><img class=\"emoji\" role=\"img\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f4aa.svg\" alt=\"\ud83d\udcaa\" \/><\/span><span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\">\u00a0StrengthCentric <\/span>\r\n<br>\r\n<span class=\"r-18u37iz\"><img class=\"r-4qtqp9 r-dflpy8 r-zw8f10 r-10akycc r-h9hxbl r-9cviqr\" src=\"https:\/\/abs.twimg.com\/hashflags\/Bitcoin_evergreen\/Bitcoin_evergreen.png\" alt=\"\" width=\"20\" height=\"20\" \/> <\/span> Bitcoin <span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\">Hodler\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0   \u00a0                            \u00a0 \u00a0 \u00a0<\/span><span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\"><img class=\"emoji\" role=\"img\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f4c8.svg\" alt=\"\ud83d\udcc8\" \/><\/span>\u00a0<span class=\"r-18u37iz\">DeFi<\/span><span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\"> Veteran <\/span><span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\">\u00a0<\/span>\r\n<br>\r\n\ud83c\udf0d Everything Enthusiast              \u00a0 \u00a0 \u00a0 \u00a0   \u00a0 \u00a0 \u00a0              \u00a0   \u00a0\ud83d\udd25 Optimist <br><br>\r\n\r\nRevolutionizing ideas. Simplifying complexity. Sharing knowledge. \r\n"}],"_links":{"self":[{"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/posts\/1743"}],"collection":[{"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/comments?post=1743"}],"version-history":[{"count":7,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/posts\/1743\/revisions"}],"predecessor-version":[{"id":3428,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/posts\/1743\/revisions\/3428"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/media\/1745"}],"wp:attachment":[{"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/media?parent=1743"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/categories?post=1743"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/tags?post=1743"},{"taxonomy":"author","embeddable":true,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/ppma_author?post=1743"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}