Lezi ngxowa-mali zeVangaurd ziyakwazi ukufumana ukubuyiswa kweMilinganiselo engaphezulu kweNgcipheko
Kutheni i-Vanguard's Allocation Allocation Fund ifanelekileyo
Ulwabiwo-mali olulondolozo lwentsebenziswano luhlala lubanjwe malunga nezibini ezimbini kunye neyesithathu.
Le mali ibangela ukuba utyalo-mali oluthile oluphantsi lube negalelo elaneleyo kwengozi yokubonga kwexesha elide.
Nazi ezinye zezona zizathu eziphambili zokuthengisa abathengi abathengi imali yokuxhasana:
- Sebenzisa iimali ezinokugcinwa kwemali njengento ebalulekileyo yokubamba : Xa ukwakhiwa kwipotfoliyo, isakhiwo esiyintloko kunye nesatifikethi sihlakaniphile. Njengoko kuzwakala, umnini-zimali uya kukhetha ukubamba okubalulekileyo, okuza kufumana isabelo esiphezulu, kunye neendawo ezininzi zokubambisa iisalayiti, eziza kufumana ipesenteji ezincinane. Abanini-zimali abaninzi basebenzisa i-index index, njenge- S & P 500 Index Index , kodwa nabo basebenzisa iimali ezigcinayo njengempahla ebalulekileyo.
- Ukusebenzisa imali ekhuselekileyo yokutyalo-mali obunciphekileyo : Uhlobo lotyalo-mali olulondolozo lwendalo lugcina ubuncinci bemarike kwaye lugcine ukungathandabuzi ubuncinci ngelixa lifikelela ekubuyiseleni kwemilinganiselo eqhubekayo kunye nexabiso lentengo (okanye libethe umgama omncinci) ngokuhamba kwesikhathi.
- Sebenzisa imali engabonakaliyo yokufumana umhlala-phantsi : Iimali ezixhasayo zihlala zineengcipheko ezincinci, ezihlukeneyo zeempahla eziphezulu kunye nezibophelelo eziphezulu. Oku kwenza inhlanganisela eqinileyo yokubanjwa kwemali engenayo abaye bahlala ngaphandle ngaphandle kwengozi yokulahlekelwa yinqununu ngexesha leminyaka yabo yegolide.
- Sebenzisa iimali-mali ezikhuselekileyo zokuqala abatyala-mali : Abatyalo -mali bokuqala bangathanda ukufumana isingeniso ekutsalweni kolwabiwo olulondolozo lwama-stocks, amabhondi kunye nemali kwi-fund eyodwa kuphela. Ngale ndlela abayi kubona ukuhla okukhulu kwiimarike zeebhere kwaye banokufumana isabelo esahlukileyo kwi-fund eyodwa kuphela ngaphandle kwemali enkulu.
3 Iimali eziphezulu zeVanguard zeeNgxowa-mali
Ukuba unomtsalomali ufuna ezinye zeemali ezilungelelanisiweyo, uya kufuna ukuqwalasela enye yale mali yeVanguard:
- I-Vanguard LifeStrategy Growing Consorative (VSCGX) : Ulwabiwo lweefa malunga neengxowa-mali ezingama-40% kunye no-60%. Oku kuvumela ukukhula okukhawulezayo kodwa okuqhubekayo kwithuba elide, okwenza i-fund efanelekileyo. I-VSCGX iye yakwazi ukulinganisela ngaphezu kwe-4% yokubuya kwexesha elide. Umlinganiselo wendleko ungabizi kwi-0.15% kwaye ubuncinci bokutshala imali ngu-3,000.
- I-Vanguard Inzuzo ye-Wellesley (VWINX) : Iphothifoliyo iyalondoloza ngokubalulekayo nokwabiwa kwemali phakathi kwama-35% kunye no-40% amasheya, malunga no-60% kunye kunye nentsalela e-5% yemali. Ngokubhekiselele ekusebenzeni, uWellesley ubetha ubuncinane i-90% yezinye iimali zokwabiwa ngokuzinzileyo ezibuyiselwe kwiminyaka eyi-3-, eyi-5- kunye ne-10. Ngolunye lwezona mali ezizilungeleyo zokuthenga, unzima ukubetha umyinge wexabiso eliphantsi lo-0.25%. Utyalo-mali obuncinane bokuqala u-3,000.
- I-Vanguard Wellington (VWELX) : Ulwabiwo lwe-asethi lwe-VWELX alukho nje nge-VSCGX kunye ne-VWXX kodwa i-VWINX kodwa isabelo esilinganiselweyo sama-stock% angama-65 kunye nezibophelelo ezingama-35% ezinokuthi zilungele ukuba abatyala-mali abanomdla bazimisele ukuthatha umngcipheko omkhulu ngokutshintshisa ngaphezulu ubude bexesha elide. Nangona iWellington yinkxaso-mali eyabelwe ingcipheko ephakathi, isabetha i-100% yesabelo semali kwixesha lemarike eliphakathi kweminyaka engama-2000 no-2015, xa i-fund yayingenayo i-7.5% yokubuya, xa kuthelekiswa ne-4.5% kwi-S & P 500 Index . Njengenye imali yeVanguard, uza kufumana umlinganiselo wexabiso eliphantsi (0.26%) kwiWellington. Utyalo-mali obuncinane bokuqala u-3,000.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.