I-Total Stock Market Index Iimali: I-VTSMX kunye ne-Three More Like It

I-Vanguard Iyonke Imali ye-Stock Market Index kunye neNinzi

Iimali zenkxaso-mali yemali yecandelo lemarike liye lakhula kwintando kwiminyaka yamuva. Ngokomzekelo, iVanguard Total Total Market Index (i-VTSMX) iyona mali ephakamileyo kwihlabathi, njengoko kulinganiswa yimpahla phantsi kolawulo. Iimali zenkxaso-mali yexabiso lemali zikhethwa ngabanini-mali abaninzi kuba zixhobo ezifanelekileyo zokufumana inxalenye enkulu yemarike ethile.

Ngaphambi kokungena kwii-index zezona zorhwebo zezona zorhwebo, siya kuhlaziya inkcazo kunye nezinto eziphambili ukuze wazi ukuba ezi mali zifanelekile kunye neenjongo zakho zokutshala imali.

Nantsi into oyaziyo malunga neengxowa-mali zeefowuni ezipheleleyo:

Intlawulo yeStock Market Iingcaciso

Ingxowa-mali yemali ye-stock market yinkxaso-mboleko efaka imali kwi-basketball yamasheya eziza kubonakalisa ngokukhawuleza ukugcinwa kwempahla kunye nokusebenza kwebhenkmark ebanzi yemashishini, njengoko iWilshire 5000 okanye iRussell 3000, emele inxalenye enkulu Iimakethe zakwa-US okanye zamazwe ngamazwe. Ngokomzekelo, ii-holdings kwiWilshire 5000 noRussell 3000 ziquka ininzi yempahla yasekhaya yase-US exhwebiweyo kwi-stock exchange, oko kutheni igama "elipheleleyo lemarike" lidla ngokufakwa kwigama le-fund.

Njengemali ye- S & P 500 Index , i-Wilshire 5000 i-cap-cap-weighted, oku kuthetha ukuba iinkampani ezinkulu (ezo zikhulu zentengo) ziza kubonisa inxalenye enkulu (oku kuthetha phakathi kwezona zinto ziphezulu) ngepesenti kuneenkampani ezincinci. Ngokomzekelo, ukubamba okuphezulu kwiWilshire 5000 kuya kubandakanya iinkampani ezinkulu ezifana ne-Apple (AAPL), i-Facebook (FB) kunye ne-Microsoft (MSFT).

Ezinye iimali zengxowamali yesitokethi zigxininisa kwiimpahla ezingaphandle kwe-US Le mali ilandelele inkcazo yesitokhwe samazwe ngamazwe njenge-FTSE Global All Cap yase-US Index.

Ngaba kufuneka usebenzise i-Total Market Index Index Fund?

Ngokuqhelekileyo, injongo ephambili yokusebenzisa i-Total Stock Market Index Fund ibanjwe ngundoqo kwi-potifoliyo yeemali ezihlangeneyo (oko kukuthi iCore kunye neState Portfolio Strategy ).

Isizathu salokhu kukuba abatyalo-mali bangakwazi ukufikelela kwiimali zentengiso yonke yase-United States kwiinkxaso-mali eziphantsi. Baya kuthi bakhawule loo mongo kunye namanye amabamba abamele iindidi ezahlukileyo.

Abanini-zimali abaninzi banokusebenzisa enye yezona ngxowa-mali ze-S & P 500 njengezona zibambiso eziphambili kuba usebenzo olufaniswa ne-Total Stock Market Index Funds lifana (ngenxa yokunyaniseka okukhulu kwezinto ezinokubakho kwiindawo eziphezulu). Nangona kunjalo, i-Total Stock Market Index ixhasa ngemali eyahlukeneyo kuneengxowa-mali ze-S & P 500. Ukongeza kwii-stocks ezinkulu ze-US, uza kufumana amasheya amancinci kunye nesikhokelo esiphakathi kwikhowudi yesitokethi.

Ngoko ke, kuya kubakho i-cap-cap kunye ne-cap-cap holdings kwi-Total Stock Market Index Fund ukwenzela ukuba kubekho ukuqokelela kunye nezinye iifomthi kwiipotfolio. Ngenxa yoko, abatyali-mali abaninzi bakhetha ukusebenzisa i-S & P 500 Index Index, edibaniswe nengxowa-mali yecandelo elincinci elithile, ukuphumeza ulwahlulo olufanelekileyo. Ngoko ke, ukuba usebenzisa i-fund ye-stock index index, qiniseka ukuba ufumana ezinye iinkampani kwiindidi ezahlukeneyo.

I-Vanguard Iyonke I-Stock Market Index (i-VTSMX) kunye ne-Three More Index Funds Like It

Iimali zengxelo ezilungileyo kakhulu naluphi na uhlobo zizinto ezinokulinganiswa kweendleko eziphantsi kakhulu kwaye zinikelwa ngxowa-mali enkulu kunye kunye neefesti ezixhaswe ngemali (ETF) :

• I-Vanguard Iyonke I-Stock Market Index (i-VTSMX): iVanguard yi-indexer yokuqala kunye ne-VTSMX iphakathi kweengxelo zokuqala zeemali zokubamba iintengiso. Enyanisweni iVanguard Iyonke i-Stock Market Index (i-VTSMX) yiyona mali enkulu kakhulu ehlabathini . Ngomlinganiselo wendleko ka-0.18%, i-VTSMX yenza ubambiswano olubalulekileyo kwiphothifoliyo.
• Schwab Ingqikithi ye-Stock Market Index (SWTSX): Ngomlinganiselo weendleko ze-0.11%, kunzima ukubetha i-SWTSX ngaphandle kokuba uvumelekile ukufumana ukulingana kweendleko eziphantsi kunye neengxowa-mali ze-Admiral Shares.
• iShares Russell 3000 Index Fund (IWV): Le ngxowa-mali yokuThengiswa kweeNgxowa-mali (ETF) esebenza kakuhle kulabo batyalo-mali abanqwenela ukusebenzisa ii-ETF ngenxa yokukwazi kwabo ukurhweba ngeentsuku ezifana ne-stocks okanye bakwazi ukuthengisa ii-ETF ezithile ngaphandle Imirhumo yokuthengiselana (ezinye iinkampani zenkxaso-mali zentlawulo zihlawula iirhafu zokuthengisa iimali zenkcazo ezithile). IWV inexabiso lentengo ye-0.20%.

• I-Vanguard Iyonke Imveliso Yentengiso Yamazwe ngamazwe (VGTSX) : Ezinye iimali zeemarike ze-stock market zikhupha iimpahla ezingaphandle kwe-United States kunye ne-VGTSX yenye yeyona nto ibhetele. I-VGTSX ifaka i-FTSE Global All Cap yase-US Index, equka ngaphezulu kwama-6,000 amasheya ezinkampani kwiimarike eziphuhlisiweyo nezikhulayo.

Imali yenkcazo yemali yenkxaso-mali ingafanelekileyo kubatyalomali bafuna i-fund efanayo njengotyalo-mali olulodwa okanye (nokuba bhetele) njengento ebambe iqhosha kwiipotifoliyo ezahlukileyo.

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.