🔍Cómo elegir un buen ETF: TER, tamaño del fondo, liquidez y tracking error
Cómo elegir un buen ETF: TER, tamaño del fondo, liquidez y tracking error
"ETF sobre el S&P 500" puede tener diez emisores diferentes, y existen diferencias entre ellos que te cuestan dinero. Este artículo es una lista de verificación para ayudarte a distinguir un ETF de calidad de uno mediocre — incluso si no eres un experto.
★ Clave: Dos ETFs pueden seguir exactamente el mismo índice pero diferir en comisiones, tamaño, método de réplica y precisión en el seguimiento del índice. Los detalles determinan tu rentabilidad a largo plazo.
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1. TER — Total Expense Ratio
TER (Total Expense Ratio) es el porcentaje que el fondo deduce anualmente. Para ETFs de índices amplios, un rango razonable es 0,03–0,20%. Parece pequeño, pero a largo plazo marca una diferencia enorme gracias al interés compuesto.
| TER | Coste sobre 100.000 CZK / año | A lo largo de 30 años (aproximadamente) |
|---|---|---|
| 0,05% | 50 CZK | insignificante |
| 0,50% | 500 CZK | decenas de miles en rentabilidad perdida |
| 1,80% | 1.800 CZK | cientos de miles en rentabilidad perdida |
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