I-Vanguard Mutual Funds Uninzi lwezinto ezikhethwa kubaTshali-mali abatsha
Ngethamsanqa siye sahlanganisa uluhlu lweemali zeVanguard ezinokusebenza kakuhle kubaqala-mali abatshalekileyo kodwa nakwabaninzi na amava amanqanaba.
Unokuthi unemibuzo ethile: Ngaba ndinokutshala imali engxoxweni eyodwa ? Ziziphi iimali ze-Vanguard ezilungele ukuba abatyala-mali abanobudlova? Ziziphi iimali zengqungquthela zeVanguard ezilungileyo kubaqalayo?
Ngemibuzo (nangaphezulu) engqondweni, siye sahlanganisa i-10 yezona mali ezilungileyo zeVanguard malunga naluphi na uhlobo lotyalo-mali:
Iimali zeVanguard eziPhambili zeBaqalayo: Ukutshala imali kwiNgxowa-mali eyodwa
Uninzi lwabatyalo-mali abaliqalayo abanakudla inkwenkwezi yabo yokuqala yeepoteliyo kunye neemali ezidibeneyo. Oku kungenxa yokuba bafuna ukugcina izinto ezilula okanye abanakho imali ukuze bahlangabezane nemfuno emiselweyo yokutsalwa kwezimali (ubuninzi beemali zeVanguard eziboniswe apha zifuna i-$ 3,000 ukuthenga okokuqala. Emva koko, utyalo-mali oluncinci olongezelelweyo ngu-100 okanye ngaphantsi).
Okokuba bonke abatyali-mali, kungekhona nje abaqalayo, kufuneka bahlale bekhumbula ingqalelo ukuba i-fund eyodwa ayihlali iyanelisekile ngokwaneleyo. Kodwa ezi zixa-mali ezintathu ezilinganayo ezivela kwiVanguard zihlukene ngokwaneleyo ukubeka onke amaqanda akho kwibhaksi enye:
- Inzuzo yeVanguard iWellesley (VWINX): Le ngxowa ine-balance balance of almost one third and bonds two-thirds. Oku kwenza kwindlela engcipheko yendlela yokuqalisa ukutyalomali. Khumbula ukuba umngcipheko omncinci usho ngokuphindaphindiweyo ukubuyiswa komyinge ophantsi uma kuthelekiswa nemali ye-stock, ephethe iingozi zemarike eziphezulu. Ngaloo nto yathi, i-VWINX ibe ngumdlali ophezulu xa eqhathaniswa namanye amaxabiso abelwe imali. I-VWX ine-$ 3,000 eyimfuneko yokuthenga yokuqala.
- I-Vanguard Star Fund (i-VGSTX): Le ngxowa-mali inika imali ekwahlukileyo kwi-stock and third-bonds. Oku kwenza i-stock stock fund eyimfuneko efanelekileyo kubanini-zimali abaqalayo kunye nokunyamezela okuphakathi kwexesha kunye neenjongo zentengo-mali. Okunye okugqwesileyo kule ngxowa-mali kukuba kufuneke kuphela ukuthenga okungenani imali eyi-1 000 yokuqala.
- I-Vanguard Target Retirement 2050 (VFIFX): I-Vanguard ineengxowa-mali ezahlukahlukeneyo zokuthatha umhlalaphantsi ezikhethiweyo ukuba zikhethwe kodwa lo ungenza njengomzekelo omhle. Ukuba uneminyaka engama-30 ubudala kwaye ucwangcise ukuthatha umhlalaphantsi uneminyaka engama-65 ubudala, uya kuba nelo xesha unyaka-2050 ukutshala imali yomhlalaphantsi. Ngako oko unako ukutyalo yonke imali yakho kwingxowa-mali yomhlalaphantsi 2050 kwaye ungasebenzisi nayiphi na enye imali. Ngoba? Ngenxa yokuba iinjongo zemali yomhlalaphantsi zityalomali ngendlela efanelekileyo ngexesha elityalomali. Ngamazwi ahlukeneyo, ngaphezulu kweminyaka ukuya kutsho kunyaka wokuthatha umhlalaphantsi, ukuphakanyiswa kwesabelo kwi-stocks kwaye xa unyaka ojoliswe kuwo usondela, ulwabiwo luya kutshintsha ngokukhawuleza ngokunyanisekileyo kwiibhondi. Ngethamsanqa, le ngxowa-mali ine-$ 1000 kuphela yokuthenga ubuncinane.
Iimali zeVanguard eziPhambili eziQalayo: iiNgxowa zeeNkcazo
I-Vanguard ineenkcukacha ezininzi zemali ezikhethiweyo zokukhetha ukusuka ekunciphiseni ukuya kumbalwa nje zinokuba ngumngeni.
Apha siphakamisa iinqununu ezi-5 zezona zilungelelaniso ze-Vanguard zokuqala kootyalo-mali:
- I-Vanguard Index Balanced (VBINX): NjengeNgxowa-mali yeVanguard Star ekhankanywe ngentla, le ngxowa-mali inokwabiwo-mali ngokuthe ngqo kwimizi yesibini kunye nesithathu. Oku kwenza i-stock stock fund eyimfuneko efanelekileyo kubanini-zimali abaqalayo kunye nokunyamezela okuphakathi kwexesha kunye neenjongo zentengo-mali. Kwaye kuba idibanisa i-stock and bond bonds, kufana nokuba neefowuni ezimbini ze-Vanguard enye. I-VBINX ine-$ 3,000 ubuncinane bokuthengwa kokuqala.
- I-Index ye-Vanguard 500 (i-VFINX): Le ngxowa-mali yokuqala yeyona nkcazo kwaye enye yeendlela ezincinci, ezona zichanekileyo zokufumana indawo enkulu yemarike yemasheya yase-United States kwi-fund eyodwa kuphela. Nangona kunjalo, ngokungafani neengxowa-mali ezilinganisiwe ezikhankanywe kweli nqaku, i-VFINX inike i-100% yesikhwama sikhwama semali kwiimpahla. Nangona utyalo-mali kwi-500 okanye kwiinkampani ezinkulu kakhulu e-United States zinika i-diversification, ukuchithwa kwe-100% kwi-stocks kwenza le ngxowa-mali iphakame kumgangatho wengozi, xa abatyala-mali bengenazo ezinye iimali zokulinganisela umngcipheko. Ngoko ke, i-VFINX iyimali ekhethileyo yokusebenzisa njengengundoqo yepotfolio, oko kukuthi ucwangcise ukongeza ezinye iimali kulo mntu kwi-potifoliyo yakho. I-VFINX ine-$ 3,000 yokuthenga ubuncinci bokuqala.
- I-Vanguard Iyonke I-Stock Market Index (i- VTSMX ): Le ngxowa-mali iyona mxokelelwano omkhulu kwihlabathi ngenxa yezizathu eziphambili: Inika abantu abatyali-mali ukuthengisa yonke imarike yemasheya yase-United States ngeendleko eziphantsi. Le ngxowa ifana ne-Vanguard 500 Index kodwa endaweni yokufumana ama-500 amakhulu kwiisitokisi zase-United States, ufumana ukufikelela kuma-stocks angaphezulu kwama-3,000, okuquka amasheya amancinci nesikhokelo. I-VTSMX ine-$ 3,000 ubuncinane bokuthenga okokuqala.
- I-Vanguard Iyonke ye-Bond Market Index (i-VBMFX): Le ngxowa ifana ne-VTSMX ngaphandle kokuba inayo yonke imakethi ye-stock market yase-United States, kunye ne-VBMFX ufumana yonke i-market bond bond. Ngoko xa ulungele ukwandisa iphothifoliyo yakho kunye nokulinganisela umngcipheko ngeendleko eziphantsi, i-index ye-bond index ehlukeneyo, i-VBMFX yinkokhelo yakho. I-VBMFX ine-$ 3,000 ubuncinane bokuthengwa kokuqala.
- I-Vanguard Iyonke I-International Stock Market Index (i-VGTSX): Okwangoku ubambelela kwingcamango "yeemarike". Le ngxowa-mboleko inikezela ukuhanjiswa kwezitokisi kwihlabathi lonke, ngaphandle kwe-United States. Ngoko xa ulungele ukuhlukana kweepotifoliyo yakho ngokungongeza ukuthengiswa kwamasheya angaphandle, ungayenza ngeVGTSX. Le ngxowa-mali ine-$ 3,000 yokuthenga ubuncinci bokuqala.
Iimali zeVanguard eziPhambili zeBaqalayo: I-Small-Cap Stock kunye neNgxowa-mali
Emva kokuba wakha iphothifoliyo yakho malunga neziseko zeentengo ezinkulu ze-US, iintengiso zamazwe ngamazwe, kunye nezibophelelo, unokufuna ukongeza isikhwama esinamandla, njengesigxina se-stock stock, kwaye mhlawumbi iifom zecandelo elincinci ulwahlukahluka kunye nokukwazi ukubuyisela phezulu. Nazi ezithathu eziya kuhlangabezana nezi zidingo:
- I-Vanguard Explorer (VEXPX): Le ngxowa-mali inika imali engama-stock-stocks angama-600, athatyathwa njengobundlobongela kunamasheya amakhulu. Kodwa ingqumbo (oko kukuthi umngcipheko ophezulu) ungaguqulela kwimbuyekezo ephezulu ngexesha elide kwaye ukuvezwa kwamakhulu emasokisi ahlukeneyo kunokunciphisa umngcipheko xa kuqhathaniswa neengxowa-mali ezincinci ezincinci. Le ngxowa ifuna imali engama-3,000 ubuncinci ukutyalomali.
- Ukunakekelwa kwezeMpilo kwiVanguard (i-VGHCX): Le ngxowa-mali ixhasa ngokupheleleyo kwicandelo lezempilo , elibandakanya amafemu asebenza ngamachiza, iinkampani zonyango, kunye namafama ophando. Ndiyabulela intuthuko kwezobuchwepheshe kunye nabantu abadala, i-VGHCX ibe yinkxaso ephezulu ngaphezu kweminyaka engama-25. Nangona kunjalo gcina ingqalelo ukuba utyalo-mali kwicandelo elinye loshishino lingaba yingozi. Ngoko ke qiniseka ukuba ungabikho ngaphezu kwe-5% yepottoliyo yakho kwiphina iqela elinye. Le ngxowa ifuna imali engama-3,000 ubuncinci ukutyalomali.
- I-Vanguard Consumer Staples (VCSAX): Le ngxowa-mali inika ngokupheleleyo kwicandelo lomthengi. Njengokhathalelo lwempilo, izibhengezo zabathengi okanye abathengi abangekho-mgcini banjengo-stocks ezikhuselweyo kuba zikwazi ukwenza ngcono kunezinye izitoko ngexesha lokulungiswa kweemarike ezinkulu. Ngokomzekelo, abathengi basathengisa iziqu, ezifana nokutya kunye neyeza, ngexesha lokufuduka kwezoqoqosho. Ngoko ke iimpahla zabathengi ziyakwazi ukunqanda ukuhla kwehla xa kuthengiswa kweemarike zeebhere. Le ngxowa-mali idinga i-$ 10,000 ubuncinci ukutyalomali.
Emva kokuba uguqule ukususela kumtyalo-zimali wokuqala, unokukwazi ukusebenzisa ezininzi zeengxowa-mali zeVanguard ngasikhathi sinye kwi-portfolio yakho. Ukuze ubone indlela yokwenza oku, qiniseka ukuba uhlolisise i-athikili yam, Indlela yokwakha i-Portfolio ye-Mutual Funds .
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.