5 Iimali zeVanguard Fund

Ezi zi-5 zeeMali eziPhambili zeMatual kusuka kwiVanguard Investments

I-Investment Vanguard inikezela abatyalo-mali iindidi ezininzi zeemali eziphathekayo ezingekho mthwalo kunye nemali yokuthengiselana ngemali ( ETFs ). Ngoko ke ukufumana imali engcono kakhulu yeVanguard ingaba ngumngeni, ukuthetha okuncinci, kuba baninzi banokukhetha.

Kukho iindleko zeendleko eziphantsi kweendleko eziphantsi, ezixhaswa ngemali ngokubambisana, kwiimali zecandelo kunye nokunye kwiVanguard. Ngoko ngaphandle kokuqhubeka, kwaye akukho myalelo othile, zikho iimali eziphezulu ezintlanu zokuthenga kwiVanguard, zonke ezimele iintlobo ezahlukeneyo zeengxowa-mali .

I-5 yeeVangeard eziNgcono zokuThengwa

1. I-Vanguard Iyonke I-Stock Market Index (i-VTSMX): Le ngxowa-mali enkulu kwihlabathi ngenxa yezizathu ezifanelekileyo. I-VTSMX igxininisa yonke imarike yemasheya yase-United inye. Ngoko ke abatyali-mali bafumana ukufikelela kumawaka emasitokethi kwisikolo esincinci esisodwa. Kwaye njengamashishini athile aphantsi kakhulu, ukusetyenziswa kwexesha elide kuthatha ukubetha ininzi yemali elawulwa ngokusebenzayo , ngokukodwa kwiminyaka eyi-10 kunye nexesha elide.
2. I-Vanguard Iyonke Index ye-Bond Market (VBMFX): Njengo-VTSMX, le ngxowa-mali inika imali kwimarike yonke yase-US, ngaphandle kwimeko ye-VBMFX, yonke imarike yebhanki. Ukudibaniswa kweendleko eziphantsi kunye nokubanzi okwehlukeneyo kwenza iVBMFX ibe nzima ukuyibetha, ingakumbi ngexesha elide.
3. I-Vanguard Iyonke ye-International Stock Index (i-VGTSX): Ukuqhubela phambili umxholo wokubamba iinxalenye ezinkulu zeemarike zamasheya kunye nentlawulo enye yentengo ephantsi, i-VGTSX inikezela ukufikelela kwiimpahla ezingaphezu kwama-5,000 ngaphandle kwe-US Njengengxowa-mali elawulwa yinkcazo elandelwayo isalathiso, ungalindelanga ukuba iVGTSX ibe ngumqhubi ophezulu ngexesha elifutshane kodwa ukubuyela kwexesha elide, njengaleyo minyaka engama-10 okanye ngaphezulu, kulindeleke ukuba kube ngaphezu komyinge kunye nangaphambi kwesininzi seemali zokutya.

1. I-Vanguard Inzuzo ye-Wellesley (VWINX): Ngaphandle kwenkcazo yemali, iVanguard inikezela ngeemali ezininzi ezilawulwe ngokukhawuleza, ezifana ne-VWINX, efanelekileyo ngengxowa-mali . Ikwabizwa ngokuba yimali eyabelwe i-asethi, imali efanelekileyo iqokelela ukuxuba i-stocks, iibhonksi kunye nemali ebonisa intloko yeyona mali, ngokuqhelekileyo ibekwe njengoluhlu olulinganisiweyo, olulinganisekileyo okanye olunobundlobongela. I-VWX ingenye yezona zixhobo ezilungileyo kakhulu ezizithengayo. Ukwabiwa ngokuqhelekileyo kushintshana ngama-stock 40% kunye nama-60% esitokisini kodwa iimbuyekezo zangexesha elide zikhangeleke ngokufanelekileyo njengemali eyabelwe imali.

1. I-Vanguard Health Care (VGHCX): I-Vanguard ikwabonelela ngemali yecandelo kunye ne-VGHCX yenye yeyona nto ibhetele kwaye indala kumarike. Ukugxininisa kwimpahla yokunakekelwa kwempilo, njengeBristol-Myers Squibb (BMY) kunye ne-UnitedHealth Group (UNH), i-VGHCX yenye yeyona mali ihamba phambili kwiminyaka engama-20 edlulileyo. Ukuzuza kubantu abaguga kunye nokuqhubela phambili kwi-biotechnology kunye nezixhobo zonyango, i-VGHCX ingaba ngumqhubi ophezulu ngaphezu kweminyaka elishumi okanye ngaphezulu.

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.