{"id":90746,"date":"2026-10-27T11:03:54","date_gmt":"2026-10-27T10:03:54","guid":{"rendered":"https:\/\/trader-magazine.com\/?p=90746"},"modified":"2026-10-27T11:07:55","modified_gmt":"2026-10-27T10:07:55","slug":"etf-kezelesi-koltseghanyad-mennyibe-kerul-valojaban-egy-020-os-dij-az-ido-soran","status":"publish","type":"post","link":"https:\/\/trader-magazine.com\/hu\/akademia\/etf-kezelesi-koltseghanyad-mennyibe-kerul-valojaban-egy-020-os-dij-az-ido-soran\/","title":{"rendered":"ETF kezel\u00e9si k\u00f6lts\u00e9gh\u00e1nyad: mennyibe ker\u00fcl val\u00f3j\u00e1ban egy 0,20%-os d\u00edj az id\u0151 sor\u00e1n"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Egy 0,20%-os ETF k\u00f6lts\u00e9gh\u00e1nyad szinte jelent\u00e9ktelennek t\u0171nhet. Egy 10 000 doll\u00e1ros befektet\u00e9s eset\u00e9n ez \u00e9vi nagyj\u00e1b\u00f3l 20 doll\u00e1rt jelent. A befektet\u00e9si d\u00edjaknak azonban van egy rejtett, hossz\u00fa t\u00e1v\u00fa k\u00f6lts\u00e9ge: nemcsak azt a p\u00e9nzt cs\u00f6kkentik, amit a befektet\u0151k ma megtartanak, hanem azokat a hozamokat is, amelyeket ez a p\u00e9nz a j\u00f6v\u0151ben termelhetett volna. 10, 20 vagy 30 \u00e9v alatt m\u00e9g egy l\u00e1tsz\u00f3lag szer\u00e9ny \u00e9ves d\u00edj is \u00e9rezhet\u0151 k\u00fcl\u00f6nbs\u00e9get okozhat a befektet\u00e9si portf\u00f3li\u00f3 \u00e9rt\u00e9k\u00e9ben.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mi az az ETF k\u00f6lts\u00e9gh\u00e1nyad?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A t\u0151zsd\u00e9n kereskedett alapok (ETF-ek) n\u00e9pszer\u0171v\u00e9 v\u00e1ltak azon befektet\u0151k k\u00f6r\u00e9ben, akik diverzifik\u00e1lt kitetts\u00e9get szeretn\u00e9nek r\u00e9szv\u00e9nyekben, k\u00f6tv\u00e9nyekben \u00e9s m\u00e1s eszk\u00f6z\u00f6kben an\u00e9lk\u00fcl, hogy egyedi \u00e9rt\u00e9kpap\u00edrokat kellene kiv\u00e1lasztaniuk. Egyik f\u0151 el\u0151ny\u00fck a viszonylag alacsony m\u0171k\u00f6d\u00e9si k\u00f6lts\u00e9g, k\u00fcl\u00f6n\u00f6sen sok akt\u00edvan kezelt befektet\u00e9si alaphoz k\u00e9pest.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az ETF-ek birtokl\u00e1sa azonban nem felt\u00e9tlen\u00fcl ingyenes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Minden alapnak fedeznie kell a portf\u00f3li\u00f3kezel\u00e9ssel, az adminisztr\u00e1ci\u00f3val, a let\u00e9tkezel\u00e9ssel, a k\u00f6nyvel\u00e9ssel \u00e9s a szab\u00e1lyoz\u00e1si megfelel\u00e9ssel kapcsolatos kiad\u00e1sokat. Ezeket a folyamatos k\u00f6lts\u00e9geket egy olyan mutat\u00f3 t\u00fckr\u00f6zi, amelyet&nbsp;<strong>ETF k\u00f6lts\u00e9gh\u00e1nyadnak<\/strong> neveznek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A k\u00f6lts\u00e9gh\u00e1nyad az alap \u00e9ves m\u0171k\u00f6d\u00e9si kiad\u00e1sait fejezi ki az \u00e1tlagos nett\u00f3 eszk\u00f6z\u00e9rt\u00e9k\u00e9nek sz\u00e1zal\u00e9k\u00e1ban. Az&nbsp;<a href=\"https:\/\/www.investor.gov\/introduction-investing\/general-resources\/news-alerts\/alerts-bulletins\/investor-bulletins\/mutual-fund-and-etf-fees-and-expenses-investor-bulletin\">Amerikai Egyes\u00fclt \u00c1llamok \u00c9rt\u00e9kpap\u00edr- \u00e9s T\u0151zsdefel\u00fcgyelete (SEC)<\/a> szerint ezeket a kiad\u00e1sokat az alap eszk\u00f6zeib\u0151l fizetik, nem pedig k\u00f6zvetlen\u00fcl az egyes r\u00e9szv\u00e9nyeseknek sz\u00e1ml\u00e1zz\u00e1k ki.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A befektet\u0151k sz\u00e1m\u00e1ra a sz\u00e1m\u00edt\u00e1s egyszer\u0171.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Egy olyan ETF, amelynek \u00e9ves k\u00f6lts\u00e9gh\u00e1nyada 0,20%, nagyj\u00e1b\u00f3l 2 doll\u00e1rba ker\u00fcl \u00e9vente minden befektetett 1000 doll\u00e1r ut\u00e1n, felt\u00e9ve, hogy a portf\u00f3li\u00f3 \u00e9rt\u00e9ke v\u00e1ltozatlan marad.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Egy 10 000 doll\u00e1ros befektet\u00e9s eset\u00e9n ez \u00e9vi nagyj\u00e1b\u00f3l 20 doll\u00e1rt jelent. Egy 50 000 doll\u00e1ros portf\u00f3li\u00f3n\u00e1l ez 100 doll\u00e1rnak felel meg, m\u00edg egy 100 000 doll\u00e1ros befektet\u00e9s \u00e9vi mintegy 200 doll\u00e1r kiad\u00e1st eredm\u00e9nyezne.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A fontos r\u00e9szlet az, hogy&nbsp;<strong>a k\u00f6lts\u00e9gh\u00e1nyad a befektet\u00e9s aktu\u00e1lis \u00e9rt\u00e9k\u00e9re vonatkozik, nem csup\u00e1n az eredetileg befektetett \u00f6sszegre vagy az el\u00e9rt nyeres\u00e9gre<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ahogy a portf\u00f3li\u00f3 n\u00f6vekszik, az ugyanazon sz\u00e1zal\u00e9kos ar\u00e1nynak megfelel\u0151 doll\u00e1r\u00f6sszeg \u00e1ltal\u00e1ban n\u0151.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Hogyan vonj\u00e1k le val\u00f3j\u00e1ban az ETF k\u00f6lts\u00e9gh\u00e1nyadokat?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A br\u00f3keri jutal\u00e9kokkal ellent\u00e9tben az ETF k\u00f6lts\u00e9gh\u00e1nyad \u00e1ltal\u00e1ban nem jelenik meg k\u00fcl\u00f6n tranzakci\u00f3k\u00e9nt a befektet\u0151 sz\u00e1ml\u00e1j\u00e1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A befektet\u0151k nem kapnak \u00e9ves sz\u00e1ml\u00e1t, amely arra k\u00e9ri \u0151ket, hogy fizessenek az alapkezel\u0151nek. Ehelyett a m\u0171k\u00f6d\u00e9si kiad\u00e1sok az ETF-en bel\u00fcl halmoz\u00f3dnak fel, \u00e9s az alap nett\u00f3 eszk\u00f6z\u00e9rt\u00e9k\u00e9ben (NAV) t\u00fckr\u00f6z\u0151dnek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ezek a kiad\u00e1sok jellemz\u0151en naponta halmoz\u00f3dnak fel, fokozatosan cs\u00f6kkentve a befektet\u00e9si hozamok termel\u00e9s\u00e9re rendelkez\u00e9sre \u00e1ll\u00f3 eszk\u00f6z\u00f6ket.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tegy\u00fck fel p\u00e9ld\u00e1ul, hogy egy ETF m\u00f6g\u00f6ttes befektet\u00e9sei \u00e9vi 7%-os brutt\u00f3 hozamot termelnek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">0,20%-os k\u00f6lts\u00e9gh\u00e1nyad mellett a befektet\u0151 hozama e kiad\u00e1s levon\u00e1sa ut\u00e1n nagyj\u00e1b\u00f3l 6,80% lenne, felt\u00e9telezve, hogy nincsenek m\u00e1s elt\u00e9r\u00e9sek vagy k\u00f6lts\u00e9gek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Egy 0,50%-ot felsz\u00e1m\u00edt\u00f3 alap ugyanilyen felt\u00e9telez\u00e9sek mellett nagyj\u00e1b\u00f3l 6,50%-ot \u00e9rne el.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A k\u00fcl\u00f6nbs\u00e9g egyetlen \u00e9vben kicsinek t\u0171nhet. Hossz\u00fa befektet\u00e9si id\u0151szakokon kereszt\u00fcl ism\u00e9tl\u0151dve azonban jelent\u0151sebb\u00e9 v\u00e1lik.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9rdemes azt is megjegyezni, hogy&nbsp;<strong>a k\u00f6zz\u00e9tett ETF-teljes\u00edtm\u00e9nyadatok \u00e1ltal\u00e1ban m\u00e1r t\u00fckr\u00f6zik az alap m\u0171k\u00f6d\u00e9si kiad\u00e1sait<\/strong>. A befektet\u0151knek ez\u00e9rt ker\u00fclni\u00fck kell, hogy a d\u00edjak levon\u00e1sa ut\u00e1n k\u00f6z\u00f6lt historikus hozamok \u00e9rt\u00e9kel\u00e9sekor ism\u00e9t levonj\u00e1k a k\u00f6lts\u00e9gh\u00e1nyadot.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Olvassa el ezt is: <a href=\"https:\/\/trader-magazine.com\/hu\/academy\/mi-az-az-etf-hogyan-mukodnek-valojaban-a-tozsden-kereskedett-alapok\/\">Mi az az ETF? Hogyan m\u0171k\u00f6dnek val\u00f3j\u00e1ban a t\u0151zsd\u00e9n kereskedett alapok<\/a><\/h3>\n\n\n\n<h2 class=\"wp-block-heading\">Mennyibe ker\u00fcl egy 0,20%-os ETF-d\u00edj 10, 20 \u00e9s 30 \u00e9v alatt?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Az ETF-d\u00edjak hossz\u00fa t\u00e1v\u00fa hat\u00e1s\u00e1nak meg\u00e9rt\u00e9s\u00e9hez tekints\u00fcnk egy hipotetikus befektet\u0151t, aki 10 000 doll\u00e1rt helyez el egy ETF-ben, \u00e9s a p\u00e9nzt t\u00f6bb \u00e9vtizeden kereszt\u00fcl befektetve hagyja.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az \u00f6sszehasonl\u00edt\u00e1s h\u00e1rom k\u00fcl\u00f6nb\u00f6z\u0151 \u00e9ves k\u00f6lts\u00e9gh\u00e1nyadot haszn\u00e1l: 0%, 0,20% \u00e9s 0,50%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mindh\u00e1rom befektet\u00e9s ugyanazokat a felt\u00e9telez\u00e9seket k\u00f6veti:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kezdeti befektet\u00e9s: 10 000 doll\u00e1r<\/li>\n\n\n\n<li>\u00c9ves hozam az alap kiad\u00e1sai el\u0151tt: 7%<\/li>\n\n\n\n<li>Befektet\u00e9si id\u0151szakok: 10, 20 \u00e9s 30 \u00e9v<\/li>\n\n\n\n<li>Nincs tov\u00e1bbi befizet\u00e9s vagy kivon\u00e1s<\/li>\n\n\n\n<li>Minden befektet\u00e9si j\u00f6vedelmet \u00fajra befektetnek<\/li>\n\n\n\n<li>A k\u00f6lts\u00e9gh\u00e1nyadok v\u00e1ltozatlanok maradnak<\/li>\n\n\n\n<li>Az ad\u00f3kat, keresked\u00e9si k\u00f6lts\u00e9geket \u00e9s az infl\u00e1ci\u00f3t nem veszik figyelembe<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Az egyszer\u0171s\u00e9g kedv\u00e9\u00e9rt az \u00e9ves hozamokat \u00fagy sz\u00e1m\u00edtjuk ki, hogy a 7%-b\u00f3l levonjuk a megfelel\u0151 k\u00f6lts\u00e9gh\u00e1nyadot, \u00e9ves kamatos kamatoz\u00e1ssal. A val\u00f3s ETF-kiad\u00e1sok az \u00e9v sor\u00e1n folyamatosan halmoz\u00f3dnak fel, \u00edgy a val\u00f3s eredm\u00e9nyek kiss\u00e9 elt\u00e9rhetnek.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">ETF k\u00f6lts\u00e9gh\u00e1nyad-\u00f6sszehasonl\u00edt\u00e1s: a hossz\u00fa t\u00e1v\u00fa sz\u00e1mok<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Befektet\u00e9si id\u0151szak<\/th><th>\u00c9ves d\u00edj n\u00e9lk\u00fcl<\/th><th>0,20%-os k\u00f6lts\u00e9gh\u00e1nyad<\/th><th>0,50%-os k\u00f6lts\u00e9gh\u00e1nyad<\/th><\/tr><tr><td>10 \u00e9v<\/td><td>19 672 USD<\/td><td>19 307 USD<\/td><td>18 771 USD<\/td><\/tr><tr><td>20 \u00e9v<\/td><td>38 697 USD<\/td><td>37 276 USD<\/td><td>35 236 USD<\/td><\/tr><tr><td>30 \u00e9v<\/td><td>76 123 USD<\/td><td>71 968 USD<\/td><td>66 144 USD<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Forr\u00e1s: Szeml\u00e9ltet\u0151 jelleg\u0171 sz\u00e1m\u00edt\u00e1sok egy kezdeti 10 000 doll\u00e1ros befektet\u00e9s \u00e9s a kiad\u00e1sok el\u0151tti, \u00e1lland\u00f3 7%-os \u00e9ves hozam alapj\u00e1n. Az adatok a legk\u00f6zelebbi doll\u00e1rra kerek\u00edtve szerepelnek. A nulla d\u00edjas forgat\u00f3k\u00f6nyv egy hipotetikus viszony\u00edt\u00e1si alap, \u00e9s nem egy konkr\u00e9t ETF aj\u00e1nl\u00e1sa.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ezek az eredm\u00e9nyek azt mutatj\u00e1k, hogy m\u00e9g egy mind\u00f6ssze 0,20%-os d\u00edj is m\u00e9rhet\u0151 k\u00fcl\u00f6nbs\u00e9get okozhat az elm\u00e9leti brutt\u00f3 befektet\u00e9si hozam \u00e9s a befektet\u0151 \u00e1ltal v\u00e9g\u00fcl felhalmozott \u00f6sszeg k\u00f6z\u00f6tt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">10 \u00e9v ut\u00e1n: egy 0,20%-os d\u00edj nagyj\u00e1b\u00f3l 365 doll\u00e1rba ker\u00fcl<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Az els\u0151 \u00e9vtized sor\u00e1n a k\u00fcl\u00f6nbs\u00e9g viszonylag szer\u00e9ny marad.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Alapkezel\u00e9si kiad\u00e1sok n\u00e9lk\u00fcl a 10 000 doll\u00e1ros befektet\u00e9s nagyj\u00e1b\u00f3l 19 672 doll\u00e1rra n\u0151ne.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Egy \u00e9vi 0,20%-ot felsz\u00e1m\u00edt\u00f3 ETF ehelyett nagyj\u00e1b\u00f3l 19 307 doll\u00e1rt \u00e9rne el, ami 365 doll\u00e1rral kevesebbet jelent a befektet\u0151 sz\u00e1m\u00e1ra.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">0,50%-os k\u00f6lts\u00e9gh\u00e1nyad mellett a befektet\u00e9s \u00e9rt\u00e9ke nagyj\u00e1b\u00f3l 18 771 doll\u00e1r lenne, ami 900 doll\u00e1ros elmarad\u00e1st jelent a nulla d\u00edjas forgat\u00f3k\u00f6nyvh\u00f6z k\u00e9pest.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Azokn\u00e1l a befektet\u0151kn\u00e9l, akik csak n\u00e9h\u00e1ny \u00e9vig sz\u00e1nd\u00e9koznak megtartani egy ETF-et, a viszonylag alacsony k\u00f6lts\u00e9gh\u00e1nyadok k\u00f6z\u00f6tti k\u00fcl\u00f6nbs\u00e9g kev\u00e9sb\u00e9 fontos lehet, mint m\u00e1s t\u00e9nyez\u0151k, p\u00e9ld\u00e1ul a portf\u00f3li\u00f3 \u00f6sszet\u00e9tele, a likvidit\u00e1s \u00e9s a befektet\u00e9si kock\u00e1zat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">20 \u00e9v ut\u00e1n: a k\u00f6lts\u00e9g t\u00f6bb mint 1400 doll\u00e1rra n\u0151<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">K\u00e9t \u00e9vtized alatt a hat\u00e1s j\u00f3val szembet\u0171n\u0151bb\u00e9 v\u00e1lik.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az \u00e9ves d\u00edj n\u00e9lk\u00fcli befektet\u00e9s nagyj\u00e1b\u00f3l 38 697 doll\u00e1rt \u00e9rne el.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">0,20%-os k\u00f6lts\u00e9gh\u00e1nyad mellett a portf\u00f3li\u00f3 nagyj\u00e1b\u00f3l 37 276 doll\u00e1rra n\u0151ne.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ez nagyj\u00e1b\u00f3l 1421 doll\u00e1ros k\u00fcl\u00f6nbs\u00e9get jelent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Egy 0,50%-ot felsz\u00e1m\u00edt\u00f3 alap nagyj\u00e1b\u00f3l 35 236 doll\u00e1ros v\u00e9gs\u0151 \u00e9rt\u00e9ket \u00e9rne el, ami a befektet\u0151t nagyj\u00e1b\u00f3l 3460 doll\u00e1rral hagyn\u00e1 le a hipotetikus nulla d\u00edjas befektet\u00e9shez k\u00e9pest.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A k\u00fcl\u00f6nbs\u00e9get m\u00e1r nem kiz\u00e1r\u00f3lag az \u00fat sor\u00e1n kifizetett k\u00f6zvetlen m\u0171k\u00f6d\u00e9si kiad\u00e1sok magyar\u00e1zz\u00e1k. Ide tartoznak azok a befektet\u00e9si hozamok is, amelyeket ezek a levont \u00f6sszegek egy\u00e9bk\u00e9nt termelhettek volna.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">30 \u00e9v ut\u00e1n: egy kis d\u00edj sokkal nagyobb k\u00fcl\u00f6nbs\u00e9get okoz<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A leger\u0151sebb hat\u00e1s egy 30 \u00e9ves befektet\u00e9si horizonton jelentkezik.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ugyanazt a 7%-os \u00e9ves brutt\u00f3 hozamot felt\u00e9telezve, az eredeti 10 000 doll\u00e1ros befektet\u00e9s folyamatos alapkezel\u00e9si kiad\u00e1sok n\u00e9lk\u00fcl nagyj\u00e1b\u00f3l 76 123 doll\u00e1rra n\u0151ne.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">0,20%-os \u00e9ves k\u00f6lts\u00e9gh\u00e1nyad mellett a v\u00e9gs\u0151 portf\u00f3li\u00f3\u00e9rt\u00e9k nagyj\u00e1b\u00f3l 71 968 doll\u00e1r lenne.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A k\u00fcl\u00f6nbs\u00e9g el\u00e9ri a nagyj\u00e1b\u00f3l&nbsp;<strong>4155 doll\u00e1rt<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">0,50%-os \u00e9ves d\u00edj mellett a befektet\u0151 nagyj\u00e1b\u00f3l 66 144 doll\u00e1rt halmozna fel, ami csaknem 10 000 doll\u00e1rral kevesebb a nulla d\u00edjas forgat\u00f3k\u00f6nyvn\u00e9l.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tal\u00e1n m\u00e9g fontosabb, hogy a 0,20%-os \u00e9s a 0,50%-os ETF k\u00f6z\u00f6tti k\u00fcl\u00f6nbs\u00e9g nagyj\u00e1b\u00f3l&nbsp;<strong>5824 doll\u00e1rt<\/strong> tenne ki, annak ellen\u00e9re, hogy mindk\u00e9t befektet\u00e9s pontosan ugyanazzal a t\u0151k\u00e9vel indult, \u00e9s a kiad\u00e1sok el\u0151tt ugyanazt a hipotetikus hozamot \u00e9rte el.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ez j\u00f3l szeml\u00e9lteti, hogy m\u00e9g egy n\u00e9h\u00e1ny tizedsz\u00e1zal\u00e9knyi k\u00fcl\u00f6nbs\u00e9g is sz\u00e1m\u00edthat a hossz\u00fa t\u00e1v\u00fa befektet\u0151k sz\u00e1m\u00e1ra.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mi\u00e9rt kamatoznak az ETF-d\u00edjak a befektet\u00e9si hozamok ellen?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A legt\u00f6bb befektet\u0151 ismeri a kamatos kamat fogalm\u00e1t, amikor a befektet\u00e9si hozamok id\u0151vel tov\u00e1bbi hozamokat termelnek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A d\u00edjak ezzel ellent\u00e9tes ir\u00e1nyban hatnak.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Amikor egy ETF levonja a m\u0171k\u00f6d\u00e9si kiad\u00e1sokat az eszk\u00f6zeib\u0151l, ezek az eszk\u00f6z\u00f6k m\u00e1r nem \u00e1llnak rendelkez\u00e9sre ahhoz, hogy r\u00e9szt vegyenek a j\u00f6v\u0151beli befektet\u00e9si n\u00f6veked\u00e9sben.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A k\u00f6zvetlen levon\u00e1s lehet kicsi, de alternat\u00edvak\u00f6lts\u00e9ge n\u0151, ahogy a befektet\u00e9si id\u0151szak hosszabb\u00e1 v\u00e1lik.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tekints\u00fcnk egy befektet\u0151t, aki k\u00e9t egy\u00e9bk\u00e9nt azonos ETF k\u00f6z\u00fcl v\u00e1laszt, az egyik 0,20%-ot, a m\u00e1sik 0,50%-ot sz\u00e1m\u00edt fel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az \u00e9ves k\u00fcl\u00f6nbs\u00e9g mind\u00f6ssze 0,30 sz\u00e1zal\u00e9kpont.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Egy 10 000 doll\u00e1ros portf\u00f3li\u00f3 eset\u00e9ben ez kezdetben \u00e9vi nagyj\u00e1b\u00f3l 30 doll\u00e1rt jelent. A hossz\u00fa t\u00e1v\u00fa hat\u00e1s azonban nem korl\u00e1toz\u00f3dik az \u00e9vi 30 doll\u00e1r ism\u00e9telt levon\u00e1s\u00e1ra.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ahogy a portf\u00f3li\u00f3 n\u00f6vekszik, a k\u00f6lts\u00e9gek doll\u00e1r\u00e9rt\u00e9ke is n\u0151. Ezzel egyidej\u0171leg minden egyes, t\u00f6bbletd\u00edjk\u00e9nt kifizetett doll\u00e1r elvesz\u00edti a lehet\u0151s\u00e9get, hogy a j\u00f6v\u0151ben befektet\u00e9si hozamot termeljen.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9ppen ez\u00e9rt k\u00fcl\u00f6n\u00f6sen fontos a befektet\u00e9si d\u00edjak \u00e9s az id\u0151 k\u00f6z\u00f6tti \u00f6sszef\u00fcgg\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A&nbsp;<a href=\"https:\/\/www.investor.gov\/introduction-investing\/general-resources\/news-alerts\/alerts-bulletins\/investor-bulletins\/updated\">SEC befektet\u0151i oktat\u00e1si \u00fatmutat\u00f3ja<\/a> szerint m\u00e9g a viszonylag alacsony folyamatos d\u00edjak is jelent\u0151sen cs\u00f6kkenthetik egy befektet\u00e9si portf\u00f3li\u00f3 hossz\u00fa t\u00e1v\u00fa \u00e9rt\u00e9k\u00e9t.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Olvassa el ezt is: <a href=\"https:\/\/trader-magazine.com\/hu\/academy\/etf-kereskedes-diohejban-mi-tortenik-a-vetel-es-az-eladas-kozott\/\">Az ETF-keresked\u00e9s magyar\u00e1zata: Mi t\u00f6rt\u00e9nik a v\u00e9tel \u00e9s az elad\u00e1s k\u00f6z\u00f6tt<\/a><\/h3>\n\n\n\n<h2 class=\"wp-block-heading\">Dr\u00e1g\u00e1nak sz\u00e1m\u00edt a 0,20%-os k\u00f6lts\u00e9gh\u00e1nyad?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Az, hogy egy 0,20%-os ETF k\u00f6lts\u00e9gh\u00e1nyad versenyk\u00e9pesnek sz\u00e1m\u00edt-e, az alap t\u00edpus\u00e1t\u00f3l \u00e9s az \u00e1ltala k\u00f6vetett befektet\u00e9si strat\u00e9gi\u00e1t\u00f3l f\u00fcgg.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A sz\u00e9les piaci indexk\u00f6vet\u0151 ETF-ek, k\u00fcl\u00f6n\u00f6sen azok, amelyek a jelent\u0151sebb amerikai r\u00e9szv\u00e9nyindexeket k\u00f6vetik, gyakran er\u0151sen versenyeznek a k\u00f6lts\u00e9gek ter\u00e9n. A befektet\u0151k olyan term\u00e9keket is tal\u00e1lhatnak, amelyek \u00e9ves k\u00f6lts\u00e9gh\u00e1nyada jelent\u0151sen 0,20% alatt van.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00e1sr\u00e9szt a bizonyos ipar\u00e1gakra, kisebb piacokra, speci\u00e1lis eszk\u00f6zoszt\u00e1lyokra vagy \u00f6sszetett befektet\u00e9si strat\u00e9gi\u00e1kra f\u00f3kusz\u00e1l\u00f3 ETF-ek magasabb d\u00edjat sz\u00e1m\u00edthatnak fel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az akt\u00edvan kezelt ETF-eknek is magasabb lehet a k\u00f6lts\u00e9ge, mivel befektet\u00e9si d\u00f6nt\u00e9seik folyamatos kutat\u00e1st, portf\u00f3li\u00f3kezel\u00e9st \u00e9s keresked\u00e9si tev\u00e9kenys\u00e9get ig\u00e9nyelnek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ez azt jelenti, hogy a k\u00f6lts\u00e9gh\u00e1nyadok \u00f6sszehasonl\u00edt\u00e1sa akkor a leg\u00e9sszer\u0171bb, ha az alapok hasonl\u00f3 befektet\u00e9si kitetts\u00e9get k\u00edn\u00e1lnak.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Egy sz\u00e9les amerikai r\u00e9szv\u00e9nypiaci indexet k\u00f6vet\u0151 ETF nem tekinthet\u0151 automatikusan jobb befektet\u00e9snek egy felt\u00f6rekv\u0151 piaci vagy k\u00f6tv\u00e9ny ETF-n\u00e9l puszt\u00e1n az\u00e9rt, mert az \u00e9ves d\u00edja alacsonyabb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az alapul szolg\u00e1l\u00f3 eszk\u00f6z\u00f6k, a befektet\u00e9si c\u00e9lok \u00e9s a kock\u00e1zatok elt\u00e9r\u0151ek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00e9g k\u00e9t ugyanazt a benchmarkot k\u00f6vet\u0151 ETF is elt\u00e9rhet a replik\u00e1ci\u00f3s m\u00f3dszerek, a likvidit\u00e1s \u00e9s az alapul szolg\u00e1l\u00f3 index k\u00f6vet\u00e9s\u00e9nek k\u00e9pess\u00e9ge tekintet\u00e9ben.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A legolcs\u00f3bb ETF nem felt\u00e9tlen\u00fcl a legjobb ETF, de az alacsonyabb d\u00edjak jelent\u0151s el\u0151nyt jelentenek, ha a t\u00f6bbi fontos jellemz\u0151 \u00f6sszehasonl\u00edthat\u00f3.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">K\u00f6lts\u00e9gh\u00e1nyad vs. teljes ETF-k\u00f6lts\u00e9gek: mit \u00e9rdemes ellen\u0151rizni\u00fck a befektet\u0151knek<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">B\u00e1r a k\u00f6lts\u00e9gh\u00e1nyad az ETF-k\u00f6lts\u00e9gek egyik legszembet\u0171n\u0151bb mutat\u00f3ja, nem fedi le az alap birtokl\u00e1s\u00e1val \u00e9s keresked\u00e9s\u00e9vel j\u00e1r\u00f3 \u00f6sszes kiad\u00e1st.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az ETF-befektet\u0151ket p\u00e9ld\u00e1ul br\u00f3keri jutal\u00e9kok is terhelhetik a r\u00e9szv\u00e9nyek v\u00e1s\u00e1rl\u00e1sakor vagy elad\u00e1sakor. A v\u00e9teli \u00e9s elad\u00e1si \u00e1rfolyam k\u00f6z\u00f6tti k\u00fcl\u00f6nbs\u00e9get jelent\u0151 bid-ask spread tov\u00e1bbi k\u00f6zvetett keresked\u00e9si k\u00f6lts\u00e9get jelenthet.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Egyes ETF-ek az alapul szolg\u00e1l\u00f3 nett\u00f3 eszk\u00f6z\u00e9rt\u00e9k\u00fckh\u00f6z k\u00e9pest fel\u00e1rral vagy diszkonttal kereskedhetnek, k\u00fcl\u00f6n\u00f6sen a piaci volatilit\u00e1s id\u0151szakaiban.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A devizav\u00e1lt\u00e1si k\u00f6lts\u00e9gek szint\u00e9n relev\u00e1nsak lehetnek azon nemzetk\u00f6zi befektet\u0151k sz\u00e1m\u00e1ra, akik k\u00fclf\u00f6ldi deviz\u00e1ban denomin\u00e1lt vagy kereskedett ETF-eket v\u00e1s\u00e1rolnak.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Egy m\u00e1sik fontos szempont a k\u00f6vet\u00e9si elt\u00e9r\u00e9s (tracking difference).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ez azt m\u00e9ri, hogy egy ETF t\u00e9nyleges teljes\u00edtm\u00e9nye mennyire pontosan k\u00f6veti a benchmarkj\u00e1t egy adott id\u0151szak alatt. A k\u00f6vet\u00e9si elt\u00e9r\u00e9s nemcsak a k\u00f6lts\u00e9gh\u00e1nyadot t\u00fckr\u00f6zi, hanem m\u00e1s t\u00e9nyez\u0151ket is, k\u00f6zt\u00fck adott esetben a portf\u00f3li\u00f3 tranzakci\u00f3s k\u00f6lts\u00e9geit, a replik\u00e1ci\u00f3s technik\u00e1kat, az alapon bel\u00fcli ad\u00f3kat \u00e9s az \u00e9rt\u00e9kpap\u00edr-k\u00f6lcs\u00f6nz\u00e9sb\u0151l sz\u00e1rmaz\u00f3 bev\u00e9telt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ez\u00e9rt egy kiss\u00e9 magasabb k\u00f6lts\u00e9gh\u00e1nyad\u00fa ETF alkalmank\u00e9nt jobb nett\u00f3 eredm\u00e9nyt ny\u00fajthat, mint egy ugyanazt a benchmarkot k\u00f6vet\u0151, olcs\u00f3bb versenyt\u00e1rsa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A befektet\u0151knek a t\u00e9nyleges teljes\u00edtm\u00e9nyt \u00e9s az alap strukt\u00far\u00e1j\u00e1t \u00e9rdemes megvizsg\u00e1lniuk, nem pedig kiz\u00e1r\u00f3lag a felt\u00fcntetett \u00e9ves d\u00edjra hagyatkozniuk.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hasznos kiindul\u00f3pont lehet a&nbsp;<a href=\"https:\/\/www.investor.gov\/financial-tools-calculators\/financial-tools\/mutual-fund-analyzer\">FINRA Fund Analyzer<\/a>, amely lehet\u0151v\u00e9 teszi a befektet\u0151k sz\u00e1m\u00e1ra a befektet\u00e9si alapok k\u00f6lts\u00e9geinek \u00e9s azok potenci\u00e1lis hossz\u00fa t\u00e1v\u00fa hat\u00e1s\u00e1nak felm\u00e9r\u00e9s\u00e9t.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Hogyan tal\u00e1lja meg egy ETF k\u00f6lts\u00e9gh\u00e1nyad\u00e1t<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A befektet\u0151k \u00e1ltal\u00e1ban megtal\u00e1lhatj\u00e1k egy ETF \u00e9ves k\u00f6lts\u00e9gh\u00e1nyad\u00e1t az alapkezel\u0151 hivatalos weboldal\u00e1n, a t\u00e1j\u00e9koztat\u00f3j\u00e1ban (prospektus\u00e1ban) vagy egy\u00e9b szab\u00e1lyoz\u00f3i k\u00f6zz\u00e9t\u00e9teleiben.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A t\u00e1j\u00e9koztat\u00f3 r\u00e9szletezi a m\u0171k\u00f6d\u00e9si k\u00f6lts\u00e9geket, \u00e9s elmagyar\u00e1zza, mely d\u00edjak szerepelnek az alap bejelentett k\u00f6lts\u00e9geiben.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Egyes esetekben a befektet\u0151k brutt\u00f3 \u00e9s nett\u00f3 k\u00f6lts\u00e9gh\u00e1nyaddal is tal\u00e1lkozhatnak.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A brutt\u00f3 k\u00f6lts\u00e9gh\u00e1nyad az esetleges d\u00edjmentess\u00e9gek vagy visszat\u00e9r\u00edt\u00e9sek alkalmaz\u00e1sa el\u0151tti k\u00f6lts\u00e9geket t\u00fckr\u00f6zi. A nett\u00f3 k\u00f6lts\u00e9gh\u00e1nyad figyelembe veszi ezeket a cs\u00f6kkent\u00e9seket, ez\u00e9rt relev\u00e1nsabb lehet azon \u00f6sszeg szempontj\u00e1b\u00f3l, amelyet a befektet\u0151k jelenleg viselnek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az ideiglenes d\u00edjmentess\u00e9gek azonban lej\u00e1rhatnak, ami potenci\u00e1lisan megn\u00f6velheti az alap j\u00f6v\u0151beli m\u0171k\u00f6d\u00e9si k\u00f6lts\u00e9geit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ETF-ek \u00f6sszehasonl\u00edt\u00e1sakor a befektet\u0151knek meg kell gy\u0151z\u0151dni\u00fck arr\u00f3l, hogy \u00f6sszehasonl\u00edthat\u00f3 d\u00edjmutat\u00f3kat n\u00e9znek-e, \u00e9s ellen\u0151rizni\u00fck kell, hogy az esetleges kedvezm\u00e9nyek ideiglenesek-e.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Gyakran ism\u00e9telt k\u00e9rd\u00e9sek az ETF k\u00f6lts\u00e9gh\u00e1nyadokkal kapcsolatban<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">A befektet\u0151k minden \u00e9vben fizetnek ETF k\u00f6lts\u00e9gh\u00e1nyadot?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Igen. Egy ETF k\u00f6lts\u00e9gh\u00e1nyada folyamatos \u00e9ves k\u00f6lts\u00e9get jelent, de a befektet\u0151k \u00e1ltal\u00e1ban nem egy k\u00fcl\u00f6n \u00e9ves tranzakci\u00f3n kereszt\u00fcl fizetik meg. A k\u00f6lts\u00e9gek az alapon bel\u00fcl halmoz\u00f3dnak fel, \u00e9s t\u00fckr\u00f6z\u0151dnek annak nett\u00f3 eszk\u00f6z\u00e9rt\u00e9k\u00e9ben \u00e9s befektet\u00e9si hozam\u00e1ban.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">A 0,20%-os ETF k\u00f6lts\u00e9gh\u00e1nyadot a nyeres\u00e9gre vagy a teljes befektet\u00e9sre sz\u00e1m\u00edtj\u00e1k fel?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A k\u00f6lts\u00e9gh\u00e1nyadot az alap \u00e1tlagos nett\u00f3 eszk\u00f6z\u00e9rt\u00e9k\u00e9hez viszony\u00edtva sz\u00e1m\u00edtj\u00e1k ki, nem csup\u00e1n a termelt nyeres\u00e9ghez. Ahogy a befektet\u0151 tulajdon\u00e1ban l\u00e9v\u0151 eszk\u00f6z\u00f6k \u00e9rt\u00e9ke v\u00e1ltozik, az \u00e9ves sz\u00e1zal\u00e9knak megfelel\u0151 doll\u00e1r\u00f6sszeg is ennek megfelel\u0151en v\u00e1ltozik.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Az ETF-d\u00edjak akkor is \u00e9rv\u00e9nyesek, ha esik a piac?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Igen. A m\u0171k\u00f6d\u00e9si k\u00f6lts\u00e9gek \u00e1ltal\u00e1ban a negat\u00edv befektet\u00e9si teljes\u00edtm\u00e9ny id\u0151szakaiban is \u00e9rv\u00e9nyben maradnak. Ha egy ETF alapul szolg\u00e1l\u00f3 befektet\u00e9sei \u00e9rt\u00e9ket vesz\u00edtenek, a folyamatos d\u00edjak enyh\u00e9n ronthatj\u00e1k a befektet\u0151 nett\u00f3 hozam\u00e1t.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Meg\u00e9ri ETF-et v\u00e1ltani, hogy 0,10%-ot sp\u00f3roljunk az \u00e9ves d\u00edjakon?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ez a befektetett \u00f6sszegt\u0151l, a v\u00e1rhat\u00f3 tart\u00e1si id\u0151szakt\u00f3l \u00e9s a v\u00e1lt\u00e1ssal j\u00e1r\u00f3 k\u00f6lts\u00e9gekt\u0151l f\u00fcgg. Egy alacsonyabb k\u00f6lts\u00e9gh\u00e1nyad jav\u00edthatja a hossz\u00fa t\u00e1v\u00fa hozamokat, de a br\u00f3keri k\u00f6lts\u00e9gek, az ad\u00f3k, a bid-ask spreadek \u00e9s az alapok strukt\u00far\u00e1j\u00e1ban mutatkoz\u00f3 k\u00fcl\u00f6nbs\u00e9gek ellens\u00falyozhatj\u00e1k a potenci\u00e1lis megtakar\u00edt\u00e1s egy r\u00e9sz\u00e9t vagy eg\u00e9sz\u00e9t.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A l\u00e9nyeg: az apr\u00f3 ETF-d\u00edjaknak jelent\u0151s hossz\u00fa t\u00e1v\u00fa k\u00f6vetkezm\u00e9nyei lehetnek<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Egy 0,20%-os ETF k\u00f6lts\u00e9gh\u00e1nyad \u00e9ves sz\u00e1zal\u00e9kban kifejezve elhanyagolhat\u00f3nak t\u0171nhet. Egy 10 000 doll\u00e1rral indul\u00f3 befektet\u0151 sz\u00e1m\u00e1ra kezdetben mind\u00f6ssze \u00e9vi k\u00f6r\u00fclbel\u00fcl 20 doll\u00e1rt jelent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c1m 30 \u00e9v alatt, \u00e1lland\u00f3, k\u00f6lts\u00e9gek levon\u00e1sa el\u0151tti \u00e9vi 7%-os hozamot felt\u00e9telezve, ez a d\u00edj mintegy 4155 doll\u00e1rral cs\u00f6kkenti a hipotetikus portf\u00f3li\u00f3 \u00e9rt\u00e9k\u00e9t egy d\u00edjmentes befektet\u00e9shez k\u00e9pest.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A k\u00fcl\u00f6nbs\u00e9g m\u00e9g nagyobb\u00e1 v\u00e1lik, ha jelent\u0151sen elt\u00e9r\u0151 k\u00f6lts\u00e9gh\u00e1nyad\u00fa alapokat hasonl\u00edtunk \u00f6ssze.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A hossz\u00fa t\u00e1v\u00fa befektet\u0151k sz\u00e1m\u00e1ra a legfontosabb tanuls\u00e1g nem az, hogy ker\u00fcljenek minden olyan ETF-et, amely az abszol\u00fat minimumn\u00e1l t\u00f6bbet sz\u00e1m\u00edt fel. Sokkal ink\u00e1bb az, hogy meg\u00e9rts\u00e9k, mit kapnak cser\u00e9be az alap folyamatos k\u00f6lts\u00e9gei\u00e9rt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A befektet\u00e9si strat\u00e9gia, a diverzifik\u00e1ci\u00f3, a k\u00f6vet\u00e9si min\u0151s\u00e9g \u00e9s a kock\u00e1zat tov\u00e1bbra is alapvet\u0151 szempontok maradnak.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ha azonban k\u00e9t ETF hasonl\u00f3 kitetts\u00e9get \u00e9s teljes\u00edtm\u00e9nyjellemz\u0151ket k\u00edn\u00e1l, az alacsonyabb k\u00f6lts\u00e9gek olyan el\u0151nyt jelentenek, amely id\u0151vel egyre \u00e9rt\u00e9kesebb\u00e9 v\u00e1lhat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A befektet\u0151k nem tudj\u00e1k befoly\u00e1solni a j\u00f6v\u0151beli piaci hozamokat, de nagy figyelmet ford\u00edthatnak azokra a d\u00edjakra, amelyek cs\u00f6kkentik, hogy ezekb\u0151l a hozamokb\u00f3l v\u00e9g\u00fcl mennyit tartanak meg.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Jogi nyilatkozat: Ez a cikk kiz\u00e1r\u00f3lag oktat\u00e1si c\u00e9lokat szolg\u00e1l, \u00e9s nem min\u0151s\u00fcl befektet\u00e9si tan\u00e1csad\u00e1snak. A sz\u00e1m\u00edt\u00e1sok hipotetikus illusztr\u00e1ci\u00f3k, nem el\u0151rejelz\u00e9sek vagy garanci\u00e1k. A t\u00e9nyleges befektet\u00e9si hozamok ingadoznak, \u00e9s a befektet\u0151kn\u00e9l vesztes\u00e9g is felmer\u00fclhet.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Egy 0,20%-os ETF k\u00f6lts\u00e9gh\u00e1nyad szinte jelent\u00e9ktelennek t\u0171nhet. Egy 10 000 doll\u00e1ros befektet\u00e9s eset\u00e9n ez \u00e9vi nagyj\u00e1b\u00f3l 20 doll\u00e1rt jelent. A befektet\u00e9si d\u00edjaknak azonban van egy rejtett, hossz\u00fa t\u00e1v\u00fa k\u00f6lts\u00e9ge: nemcsak azt a p\u00e9nzt cs\u00f6kkentik, amit a befektet\u0151k ma megtartanak, hanem azokat a hozamokat is, amelyeket ez a p\u00e9nz a j\u00f6v\u0151ben termelhetett volna. 10, 20 vagy [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":90733,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[4954],"tags":[6578,6156],"class_list":["post-90746","post","type-post","status-publish","format-standard","has-post-thumbnail","category-akademia","tag-ingatlan-etf-ek-hu","tag-quantum-financial-system"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.3 - aioseo.com -->\n\t<meta name=\"description\" content=\"ETF alapkezel\u00e9si k\u00f6lts\u00e9gh\u00e1nyad. 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