Uluhlu lweengxelo zeeNgxowa-mali ngeeNkcitho eziNcinci zeNdleko
Imali engancinci yemali yenkcazo yinto efanelekileyo yokuthenga . Ngoba? Ngenxa yokuba ixabiso lenkxaso yonke imali yenza into efanayo: Ilandelela ngokukhawuleza inkcazo yokulinganisa. Kwaye ekubeni zifezekisa injongo enye, akunangqiqo ukuthenga iimali zendleko ezibizayo.
Cinga ngokuthenga isitya sokutya njengesonka kwisitolo sevenkile. Ukuba ukhetha phakathi kweempawu ezintathu ezihlukeneyo, kwaye zonke zinezithako ezifanayo ezifanayo, zithenga ezithengileyo!
Leyo yimiqathango efanayo yokulandela xa kuthengwa iimali zenkcazo: Zinezithako ezifanayo. Ngoko ke kutheni uhlawula enye into efanayo xa unokuhlawula ngaphantsi?
Akunakuqonda ukuba uthenge i-index index kunye nentlawulo yokuthengisa, enokuthi ifumane umthwalo wokuqala (ngokuphindaphindiweyo ama-5% okanye ngaphezulu ahlawulwa phambili xa kuthengwa amasheya) okanye umthwalo umva (ohlawulwa xa uthengisa izabelo. ngqiqweni xa ufumene iingcebiso ezixabisekileyo kunye nolawulo oluphezulu lokuphatha. Ngeenkcukacha zenkxaso-mali, kwaye kunye nomsebenzi wesikolo ekupheleni kwakho, awudingi iingcebiso okanye ulawulo olusebenzayo.
Ngoko ke ngaphandle kwe-ado eqhubekayo, apha i-12 yexabiso elincinci le-index, njengoko lilinganiselwe ngokulinganisela kweendleko zabo, zaphulwa kwiindidi ezi-6 ezahlukeneyo:
I-S & P 500 Index Index
Iimali zeenkcukacha ze- S & P 500 zilandelelanisa isalathisi se- S & P 500 , esine-stock company enkulu engama-500 e-US, njengoko ilinganiswe yintengo yemarike .
Nazi ezi zimbini zezinto eziphantsi ezithengileyo ezilandelwayo kwiS & P 500:
- I-Schwab S & P 500 Index (SWPPX): Umlinganiselo weendleko ngu-0.09%, okanye i-$ 9 nganye i-$ 10,000 etyalomali. Ubuncinane bokutyalo-mali bokuqala u-$ 100.
- Ukholo lwe-Spartan 500 Index (FUSEX): Umlinganiselo weendleko ngu-0.095%, okanye i-9.50 ye-$ 10,000 nganye. Utyalo-mali obuncinane bokuqala u-$ 2,500.
Ezi ziindleko eziphantsi kakhulu, ngokukodwa xa kuthelekiswa namanye amaxabiso eendleko eziqhelekileyo zokuxhaswa kwemali , eziqhelekileyo ezingaphezu kweshumi kwezi ndleko, ngokuphindaphindiweyo zifike kwi-1.50%.
Qhathanisa le ngxowa-mali eyaziwayo kakhulu, i- Vanguard 500 Index (VFINX), enexabiso lentengo ye-0.16%.
Ixabiso leeNgcaciso zeNkxaso-mali eziNcinci kakhulu
Inkcazo ephezulu yokukhula ixhomekeke kwi-Index 1000 Growth index, i- Nasdaq Composite okanye i- Nasdaq-100 . Ezi zityala imali enkulu yokukhula kweenkampani zase-United States. Ngako oko, ngale mali, uza kufumana ezininzi zeesitokethi ezifanayo kwi-S & P 500 yeengxowa-mali zenkxaso kodwa ezi ziza kuba zi-stock stocks kuphela, ezivame ukuba zikhuthele kakhulu ):
Nazi ezi zimbini ezithengisa iimali ezixhasiweyo kunye nenkcazo enkulu yokukhutshwa kwe-cap US:
- I-Index ye- Growing Index (VIGRX): Inani leendleko li-0.22%, okanye i-$ 22 nganye i-$ 10,000 etyalomali. Utyalo-mali obuncinane bokuqala u-3,000.
- Ukuthembeka kweNASDAQ Index Index (FNCMX): Umlinganiselo weendleko ngu-0.29%, okanye i-$ 29 nganye i-$ 10,000 etyalomali. Utyalo-mali obuncinane bokuqala u-$ 2,500.
Zomibini zale mali zilinganiswa kakhulu, oko kuthetha ukuba ufumana umgangatho ophezulu kwiindleko eziphantsi.
Ixabiso elincinci kakhulu lee-Stock Index Fund
Akukho zikhokelo zemali zengqolowa ezininzi ezithatha iikhompyutheni zexabiso lempahla yamanani kodwa kukho ezimbalwa ezibiza kakhulu kwaye zimbalwa ezilungileyo kwaye zingabizi.
Iimpahla zexabiso zivame ukuba zixabiseke kwiimarike kwaye ngoko zithengisa kwisaphulelo. Iimali zokubambisana ezihlawula igalelo zidlalwa njengeemali zexabiso.
Ixabiso lenkcazo yemali yesikhokelo ngokulandelelanayo ilandelele ingcaciso yeRussell 1000 yexabiso okanye i-index ye- S & P 500 . Nazi ezi zimbini zexabiso lexabiso lemali elincinci lexabiso elincinci:
- I-Vanguard High Dividend Yield Index (i-VHDYX): Umlinganiselo weendleko ngu-0.16%, okanye i-$ 16 kuzo zonke i-$ 10,000 ezityalomali-mali, kwaye ubuncinane bokutshala imali ngu-3,000.
- I-Index yexabiso leVanguard (VIVAX): Umlinganiselo weendleko ngu-0.22%, okanye i-$ 22 nganye i-$ 10,000 etyalomali, kwaye ubuncinci bokutshala imali ngu-3,000.
Iimali zokuxabisa zinokulungileyo kubatyalomali abafuna ukukhula kwexesha elide okanye abatyali-mali abafuna ingeniso yangoku kwi-investments.
I-Mid-Cap Stock Index Iingxowa-mali
Njengemali yenkcazo enkulu ye-cap, abatyali-mali banokufumana i-index ye-stock index indekisi elandelelanisa inkcazo yokukhula, isalathisi sexabiso okanye isalathisi edibanisa iifayile ezimbini.
Apha siza kugxininisa iimali zengxowa-mali zakwa-stocks ezilandelwayo, ezifana ne- S & P MidCap 400 okanye i- Index Mid-Russell Index , eya kubandakanya ukudibanisa kokukhula kunye nokuxabisa.
Nazi ezi zimbini zexabiso elilandelanisiweyo lokulandelela iimali zentengiso ye-stock-cap:
- I-Mid Mid Cap Index (I-NOMIX): Umlinganiselo weendleko ngu-0.15%, okanye i-$ 15 kuyo yonke i-$ 10,000 etyalomali, kwaye ubuncinci bokutshala imali ngu-$ 2,500.
- I-Vanguard Mid Cap Index (VIMSX): Inani leendleko li-0.20%, okanye i-$ 20 nganye i-$ 10,000 etyalomali, kwaye ubuncinci bokutshala imali ngu-3,000.
Izitokisi eziphakathi kwamashishini ziqhuba ubuncipheko beemarike kunokuba zifakwe kwi-stock-caps kodwa zivame ukwenza ngcono ngexesha elide. Kwaye i-middle-caps ibinomngcipheko omncinci kumarhwebo kunokuba i-stock-caps ezincinci kodwa ikwazi ukwenza ngokufanayo. Ngako oko i-middle-caps iyawa "kwindawo enothabathekileyo" yokutyalo-mali engafanelekileyo kubatyalomali bexesha elide bazimisele ukuthatha umngcipheko ophezulu kwimbuyekezo engaphezulu.
Ixabiso elincinci kakhulu lee-Stock Cap Index Index
Njengoko senze ngeenkcukacha zengxowanqa ye-cap, siza kugxininisa iimali zenkxaso-mali yesikhombi esincinci esilandela inkcazo edibanisa kokubili ukukhula kunye nezindleko zexabiso. Ezi nkcazo zemali ziza kulandelwa iinkcazo ezincinci ezifana neRussell 2000 okanye i-S & P SmallCap 600.
Nazi ezi zimbini zexabiso eliphantsi kakhulu lokulandelela iimali zentengiso ze-stock-cap:
- I-Index ye-Small Small Index (NSIDX): Umlinganiselo weendleko ngu-0.15%, okanye i-$ 15 kuzo zonke i-$ 10,000 ezityalomali, kwaye ubuncinci bokutshala imali ngu-$ 2,500.
- I-Scwhab Small Cap Index (SWSSX): Umlinganiselo weendleko ngu-0.17%, okanye i-$ 17 kuyo yonke i-$ 10,000 etyalomali, kwaye ubuncinane bokutshala imali ngu-$ 100.
Amasheya amancinci amancinci kunamasheya amakhulu kunye nee-stock-caps kodwa angakwazi ukubuyisela ubukhulu obuphezulu kwixesha elide, ngakumbi ukuba unako ukugcina iindleko eziphantsi.
Ixabiso elincinci kunazo zonke kwiStock Index Index
Inkcazo yeefowuni yamazwe ngamazwe ngokuqhelekileyo ilandelelanisa inkcazo ye- MSCI EAFE okanye inkcazo ye- MSCI ACWI , ezo zombini ziquka izitokhwe zeenkampani ngaphandle kwe-US
Nazi ezi zimbini zexabiso eliphantsi kakhulu lokulandelela iimali zamasheya angaphandle:
- I-Vanguard Iyonke ye-International Stock Index (i-VGTSX): Umlinganiselo weendleko ngu-0.19%, okanye i-$ 19 kuzo zonke i-$ 10,000 ezityalomali, kwaye ubuncinci bokutshala imali ngu-3,000.
- I-Schwab International Index Fund (SWISX): Umlinganiselo weendleko ngu-0.19%, okanye i-$ 19 kuzo zonke i-$ 10,000 ezityalomali, kwaye ubuncinci bokutshala imali ngu-$ 100.
Iimali zengxowamali zentengiso yamazwe ngamazwe yindlela ehlakaniphile nefanelekileyo yokubamba yonke imarike ngaphandle kweemakethi yaseMelika. Iipotifoliyo ezahlukahlukeneyo zengxowa-mali ziza kubandakanya ama-stocks angamazwe ngamazwe.
Ixabiso elincinci kwiBond Index
Kukho iintlobo ezahlukeneyo zenkxaso-mali yezikhonkco kodwa ezilungileyo kunye eziqhelekileyo zizobamba yonke i-market bond. Ezi mali zenkcazo zilandelela i- Barclays Capital Iqoqo le-US Bond Index , equka ngaphezu kwee-3,000.
Nantsi imali ephantsi kakhulu yokulandelela i-BarCap Uhlu:
- I-Vanguard Total Bond Index (VBMFX): Umlinganiselo weendleko ngu-0.16%, okanye i-$ 16 kuzo zonke i-$ 10,000 ezityalomali, kwaye ubuncinci bokutshala imali ngu-3,000.
- I-Northern Bond Index (NOBOX): Umlinganiselo weendleko ngu-0.16%, okanye i-$ 16 kuzo zonke i-$ 10,000 ezityalomali, kwaye ubuncinci bokutsha-mali bokuqala abatyala bangama-$ 2,500.
Kuba abatshali-mali abaninzi, isalathisi esithengiweyo semarike esithengiweyo sanele ukubandakanya kwipotfoliyo yemali.
Indlela yokuthenga ixabiso elincinci kakhulu kwi-Index Index
Ezinye zezona nkampani ezingenanto zengxowa-mali, ezifana ne-Vanguard Investments kunye ne-Investment Fidelity Investments, zinike iiklasi zentengo yeengxelo zemali kunye nezilinganiso eziphantsi kweendleko xa unako ukwenza utyalo-mali ophezulu.
Ngokomzekelo, njengoko ndikhankanyile ngaphambili, i-Vanguard 500 Index (VFINX) ingxowa-mali ayizange yenze uluhlu lwethu lwemali engancinci yexabiso-mali kuba ixabiso layo le-0.16% liphezulu kunezinye izihlomelo zethu ezimbini.
Kodwa ukuba unako ukufikelela kwimfuneko yokuqala yokutsalwa kwe-$ 10,000 kwiklasi ye-"Admiral" (i-ticker: i-VFIAX), ufumana i-fund ye-S & P 500 yexabiso lexabiso elincinci ngexabiso lentengo ye-0.05%.
Utyalo-mali oluthileyo lunye lukhetho oluphantsi.
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.