10 Iimali zeVanguard eziKhulu zokuBamba ixesha elide

Iimali eziphezulu ezivela kwiVanguard zokuthenga nokuBamba

Iimali ze-Vanguard zifana ngokuthenga nokugcina utyalo-mali ngenxa yokukhethwa kwazo okuphezulu kweemali eziphantsi, eziphantsi kweendleko eziphantsi kunye ne-ETFs. Ezi zimpawu zenza iVanguard iimali ezikhethekileyo zokukhetha utyalo-mali abatyali-mali bexesha elide.

Mhlawumbi inzuzo kuphela yeengxowa zeVanguard kukuba kukho ezininzi iimali zokuzikhetha; Ngoko kuya kufuneka uchithe ixesha lokwenza uphando ukuze ufumane iimali ezingcono zeVanguard zokuthenga iimfuno zakho zemali.

Ngethamsanqa, senze umsebenzi wesikolo kuwe kwaye sanciphisa ukhetho lweeVanguard kwii-10 zezona mali ezifanelekileyo zokubamba ixesha elide.

Indlela yokwazi ukuba ngaba ungumtyalomali wexesha elide

Ngaphambi kokuthenga iimali zeVanguard kwixesha elide, kufuneka uqiniseke ukuba ngokwenene ungumtyalo-mali osisigxina. Ukuba uthetha ngabalimi abahlukeneyo be-10 okanye abacebisi-mali, unokufumana iinkcazelo ezili-10 ezahlukeneyo malunga nokuba kuthetha ukuthini ixesha elide.

Ngokuqhelekileyo, abaninzi abacebisi baya kuvuma ukuba abatyali-mali ubuncinane iminyaka eyi-10 okanye ngaphezulu ngaphambi kokuba bafune ukuqala ukuhoxiswa kwiakhawunti zabo zentengo-mali bangachazwa njengabatyalomali bexesha elide. Kwakhona kunjalo ngokuqinisekileyo ukugcina izibambiso (ngokubambisa iibhondi zexesha elide kunye neengxowa-mali zexesha elide). Ngoko ke, ukuba ulondoloza imali yekhefu ngonyaka ozayo, awuyiyo imali-mali-mali kwaye kufuneka ufune iimali ezilungele ukutyalomali kwexesha elifutshane .

Iphutha eliqhelekileyo kunye notyalo-mali lwangexesha elide xa abatyala imali bebathathe umhlala-phantsi bazijonga njengabalimi-mali abafutshane.

Nangona banokuba bahoxise ukufumana imali yabo yokufumana umhlalaphantsi, ithuba lokuphila kwabo lingaba lula ngaphezu kweminyaka eyi-10 kumhlalaphantsi. Ngokomzekelo, ukuhlala kwendawo yokuphila e-US malunga neminyaka engama-78. Ukuba uhlala kwi-65, useneminyaka engama-13 ukuba utyalomali. Ngokuxhomekeke kwimithombo yakho yengeniso kunye nomfanekiso wakho wezezimali jikelele, kufuneka utyalomke ubuncinane inxalenye yempahla yakho yomhlala-phantsi kwiimali-mali ezide, ezifana ne-stock exchange funds.

Iimali ezigqwesileyo eziza kuSebenzisa ukuTyala kwexesha elide

Utyalo-mali ogqithiseleyo olude kwixesha elide kubatyalo-mali ngabaninzi ngabaxhamli bemali yesondlo, ngokukodwa imali yeengxelo. Ndixelela abahlobo bam, intsapho, abafundi, abafundi, abathengi kunye nabaxhamli abathengi ukuba abayi kutyalomali kwiimpahla zengxowa-mali ngaphandle kokuba bamele ubuncinane kwiminyaka emithathu ngaphambi kokuba ihoxiswe.

Iimali zekhompyutheni nazo zikhethi ezikhethileyo zokutyalomali-mali. Inkcazo yeengxowa-mali zeVanguard ziphakathi kwezona zinto zixhaphake kakhulu kwiimali-mali zangexesha elide kwaye zithande ixabiso elininzi lobutyebi-zimali ukuba i- Vanguard Investments yiyona nkampani enkulu ye-fund efanayo kwihlabathi.

Kutheni i-Vanguard index ikhetha iindawo ezikhethekileyo zokukhetha utyalo-mali? Ekubeni iimali zenkcazo zilawulwe ngokukhawuleza , ukulinganiswa kweendleko zabo kuncinci kuneemali ezilawulwa ngempumelelo . Kwaye ekubeni ukulinganiswa kweendleko zeengxelo zezimali ziphantsi, zinikezelwa ithuba elide lokwenza umsebenzi. Oku kungenxa yokuba uninzi lwabaphathi beengxowa-mali zemali esebenzayo abalibethi iindleko ezinkulu zeemarike kwixesha elingaphezu kweminyaka eyi-10. Ngoko, kunokuba uzame "ukubetha imarike," okunzima ukuyenza ngokuqhubekayo ngexesha elide, unako ukutshala imali kwimarike ngexabiso eliphantsi. Oku kuyintloko yenkcazo yemali.

10 Iimali zeVanguard eziKhezulu zoTyalo-mali olude

Ngoku ukuba uyazi ukuba ungumtyalomali wexesha elide (okanye kungenjalo) kwaye uyazi ukuba zeziphi iintlobo zeengxowa ezifanelekileyo kwi-investing yesikhathi eside, ziyi-10 ezifanelekileyo ze-Vanguard iimali zokuthenga nokubamba ixesha elide (kungekho myalelo othile ):

1. I-Vanguard Iyonke I-Stock Market Index (i-VTSMX): I-VTSMX yeVanguard iyona mxokelelwane omkhulu kwihlabathi ngezizathu ezibini ezibalulekileyo: Yinkxaso-mali yeefowuni eyahlukeneyo kwaye iindleko ziphantsi kakhulu. Iphothifoliyo inika i-stock market yonke, equka amasheya amancinci, aphakathi nendawo enkulu. Oku kuquka i-securities ngaphezu kwama-3,500. Iindleko zi-0.15 ekhulwini kuphela, okanye i-$ 15 yazo zonke i-$ 10,000 ezityalomali, kwaye ubuncinci bokutshala imali ngu-3,000.
2. I-Index ye-Vanguard 500 (VFINX): Inkcazo yeengxowa-mali ithatha inkcazo ye-S & P 500, oku kuthetha ukuba iphethe ama-stock angama-500 awona mkhulu kakhulu. Ngako oko, abanini-mali be-VFINX baya kufumaneka kwiimpahla ezifana ne-Apple (AAPL), i-Facebook (i-FB), i-Amazon (i-AMZN) kunye ne-Alphabet (GOOG, GOOGL), inkampani yomzali we-Google. I-VFINX iyona khetho olukhethekileyo kubatyalomali abafuna ukwakha iipotfoliyo zabo ezibandakanya ezinye iimali zempahla, njengemali encinci, kunye ne-cap-cap cap. Umlinganiselo weendleko ze-VFINX yi-0.15 yeepesenti kwaye ubuncinci bokutshala imali ngu-3,000.

1. I-Vanguard Iyonke iNkcazo ye-Bond Market (VBMFX): Nangona utyalo-mali lwangexesha elide lihlala lihlanganiswa ne-stocks, abaninzi abatyali-mali baya kufuna ukuba babe nenxalenye yeeposfoliyo zabo ezityalomali kwiimbopheleleko kwaye i-VBMFX iyona khetho olukhethileyo ngenxa yesinye sezizathu zemali: zineentlobo ezahlukeneyo, utyalo-mali oluphantsi. I-VBMFX ithatha iiphothifoliyo i- Bloomberg Barclays I-US Bond Index , equkethe i-bond ye-bond ye-US. Umlinganiselo weendleko ze-VBMFX ngowama-0.15 ekhulwini kwaye ubuncinci bokutshala imali ngu-3,000.
2. I-Vanguard Iyonke i-International Stock Market Index (i-VGTSX): Ukwakha iphothifoliyo epheleleyo yotyalo-mali lwexesha elide, abatyali-mali abaninzi baya kubandakanya iimali ze-stock market kunye ne-VGTSX yenye yezona mali ezilungileyo zeVanguard zokwenza oku. I-VGTSX ilandelela isalathisi esibandakanya ngaphezulu kwama-6,000 angama-US amashishini kwaye iquka iimarike eziphuhlisiwe (okt iYurophu kunye neJapan) kunye neemarike ezisakhulayo (oko kukuthi i-China, India neBrazil). Ngoko ke, ngenani eliphantsi lentengo ye-0.18 yepesenti, abanini-zimali banokufumana ukufikelela kwiimakethe zonke ngaphandle kwe-US Ubutyebi obuncinane bokuqala u-$ 3,000.
3. I-Vanguard Growth Index (VIGRX): Abanini-mali bazimisele ukuthatha umngcipheko omkhulu wokufumana iindleko eziphezulu kuneendleko zeemarike ezibanzi, ezifana ne-S & P 500, unokujonga i-VIGRX. Le ngxowa-mali ibonisa i-stock-cap growth stocks, eziye zaphazamisa imbali i-S & P 500, ingakumbi kwixesha eliyiminyaka eyi-10 okanye ngaphezulu. Iindleko ze-VIGRX zingama-0.18 ekhulwini kwaye ubuncinci bokutshala imali ngu-3,000.
4. I-Vanguard Index Balanced (VBINX): I-Vanguard inokukhethwa kwezinto ezilinganisiweyo kodwa ezibalaseleyo, ezixhaswa ngemali kunye ne-ETFs ezityala ngokudibeneyo kweempahla kunye nezibophelelo. I-VBINX ineesabelo esilinganiselweyo (esichengeni somngcipheko) malunga namashumi ama-60 ekhulwini kunye neengxowankulu ezingama-40. Isabelo sesitoreji sitshala kwisalathisi sesitokethi esipheleleyo kwaye inxalenye yesibhambathiso ityala kwi-index bond bond. Iindleko zingama-0.19 ekhulwini kwaye ubuncinane bokutshala imali ngu-3,000.
5. I-Vanguard iWellesley Income (VWINX): Eyona ngxowa-mali echanekileyo esuka kwiVanguard, i-VWINX inesabelo esilungelelanayo (ubuncinci) isabelo semali engama-40 kunye nama-60 ekhulwini. I-VWX ingafaneleka kubaxhasi-mali abade bexesha elide abanokunyamezela ngokukhawuleza kumngcipheko okanye abatyali-mali abathathe umhlala-phantsi abafuna ukuhlanganiswa kwengeniso kunye nokukhula. Iindleko ze-VWINX (iipesenti ezingama -2.22) ziphantsi kakhulu kwi-fund ephathwayo. Utyalo-mali obuncinane bokuqala u-3,000.
6. I-Vanguard STAR (VGSTX): Ngoku uphawule ukuba umgangatho. Usenokuba uqaphele ukuba banomyinge we-$ 3,000 ukuqalisa ukutshala imali. Nangona kunjalo, i-VGSTX inexabiso elingaphantsi kwama-$ 1,000. Kwakhona yinto eyaziwa ngokuba yingxowa-mali yemali, oku kuthetha ukuba ithengisa kwezinye iimali ezihlangeneyo, zonke ezikhethiweyo. I-fund ye-STAR igxotha kwimxube eyahlukeneyo yeemali ezi-11 zeVanguard, okwenza kube yindlela ecacileyo yokuqalisa abatyala-mali okanye abo bafuna isisombululo esisodwa sokuxhasa imali.
7. I-Vanguard Mid-Cap Index (VIMSX): Amasheya amancinci kunye nesikhokelo sakwa-kati aphelelise ngokulandelelana imfuyo-enkulu yamasheya ngexesha elide kodwa i-stock-cap stocks ingaba yinto ekhethekileyo yokukhetha ezi zintathu. Iimali eziphakathi kwe-Vanguard ze-VIMSX ziye zatshitshisa i-index-cap index kunye ne-index-cap index yeenkuthazo zexesha elide, ngokukodwa ukubuyela kweeminyaka ezili-10 kunye ne-15. Nangona ama-stocks-cap-stocks ayenomngcipheko ophezulu kwiimarike kunokuba i-stock-cap-stocks, ayenomngcipheko omncinane kunamaqoqo amancinci. Ngako oko, ii-caps zihlala zibhekwa njenge "ndawo enothileyo" yokutyalomali ngenxa yokubuyela kwabo ngokumalunga nomngcipheko. I-VIMSX inexabiso eliphantsi lentlawulo yee-0.18 zepesenti kwaye ubuncinci bokutshala imali ngu-3,000.
8. IiNgxowa-mali eziKhegethiweyo zoMhlala-phantsi : IiNgxowa-mali eziKhekelekileyo zokuHlawula i-Vanguard ezikhethiweyo ukuba zikhethwe kwaye abanye abatyalo-mali baqiqile ukuqwalasela olu hlobo oluthile lotyalo-mali. Njengoko igama libonisa, joliswe kwiimali zomhlalaphantsi zenzelwe ukutyalomali ngendlela efanelekileyo yonyaka wokuthatha umhlalaphantsi ojoliswe kuyo kwingxowa-mali. Umzekelo, i-Vanguard Target Retirement 2040 (i-VFORX) inokwabiwa kweempahla ezimalunga nama-85 ekhulwini kunye nama-bond e-15 ekhulwini, okufanelekileyo ukuba umtyalo-mali ethathe umhlala-phantsi ngasekupheleni konyaka we-2040. Iimali ze-Vanguard Target Retirement Fund zifanele ukuba abatyali-mali abafuna ukuthenga nokubamba enye ingxowa-mali kunye kwaye uyibambe kuze kube ngumhlalaphantsi. Abanye abacebisi nabacwangcisi babiza le mali "bayimisele kwaye bayikhohlwe" ngenxa yokuba umtyalo-mali akasadingi ukwakha iphothifoliyo yemali okanye ukulawula iphothifoliyo.

I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela, okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.