Ezi ziKhwama zeNdleko zeZindleko eziNcinci zimelele uvavanyo lwexesha
Kwiminyaka yakutshanje, inani elikhulu leenkcazo zemali kunye ne-Exchange-Traded Funds, ezibizwa ngokuba yi- ETFs , ziye zatshitshisa iimarike kwaye ezininzi zazo azilungele ukuba abatyala-mali bexesha elide. Uninzi lwazo lujolise kwicandelo elinye lincinane, njenge-biotechnology, imidiya yoluntu, okanye intsebenziswano emfutshane okanye iMLPs .
Ezi ngxowa-mali ezigxininisekile zingakwazi ukubeka iindleko ezinkulu ngexesha elifutshane kodwa ziyakwazi ukubona ukuhla kwenkulu. Kananjalo banamathenda aphezulu kunamanye amaninzi eengxelo zezimali.
I-index index engcono, kwimbono yam ethobekileyo neyamava, ihlukeneyo kwaye ixabiso elincinci. Ngako oko ngaphandle kokunye okulandelayo, nantsi ezinye zeengxelo ezifanelekileyo zeengxelo onokuzithengela ukutyalomali olude.
Iifayile ze-S & P 500 zeeNgxowa-mali
Enye yezona ziintlobo ezidumileyo zengxowa-mali ezifaka imali kwi-index ye-S & P 500, eyisihlomelo samasheya ezimele malunga nama-500 eenkampani ezinkulu e-United States, njengoko zilinganiselwe kwiimali zentengiso.
- I-Index ye-Vanguard 500 (VFINX): Le ngxowa-mali iyimali ye-index yokuqala efumanekayo kuluntu. Kwazisa ebomini imbono ye-Vanguard Investment Founder, uJack Bogle, oye wafunda iimarike waza wabona ukuba abaninzi abatyali-mali kunye nabaphathi beepotfoliyo abaqeqeshiweyo abazange bakwazi ukubetha imirhwebo kwimigangatho, ngokukodwa emva kokufaka imali kwiindleko. Ngako oko, ngokuthenga nje ixabiso lentengo ephantsi kunye nentlawulo yeempahla ezifunyenwe kwikhompyuthela, abatyali-mali bangabamba inzuzo efanelekileyo. I-VFINX inexabiso lentengo ye-0.16 yepesenti kwaye ubuncinci bokutshala imali ngu-3,000.
- I-Fidelity Trust Spartan 500 Index (FUSEX): ubungakanani bokwethembeka, amava kunye neenkcukacha zokuncintisana neVanguard ukudibanisa ukwenza inkcazo yabo yenkxaso-mali yesibini kuphela kwiVanguard. Ngokuqhelekileyo imali yenkcazo phakathi kwezi zibini ezinkulu ziyakwazi ukucaciswa ngokweendleko kunye nokusebenza. Ekugqibeleni, ukhuphiswano ludala iimali eziphezulu kumgangatho-mali. Ngokomzekelo, i-FUSEX inamasheya afanayo njenge-VFINX kodwa ngexabiso eliphantsi leendleko ze-0.10 ekhulwini. Ubutyebi obuncinane bokuqala utyalo-mali buphantsi kwe-$ 2,500.
- I-Schwab S & P 500 Index (SWPPX): UCharles Schwab wenze umgudu obalaseleyo wokubonelela ngaphezu kwe-discounted brokerage inkonzo kubatyalomali: Baye bafaka ingqongqo kwiimarike zeengxowa-mali zeVanguard ne-Fidelity. Kwiminyaka yakutshanje, umthengisi wezaphulelo uye wanciphisa iindleko zabo ukukhuphisana kwentloko ukuya kwiNtloko kunye neVanguard kunye ne-Fidelity. Umlinganiselo weendleko ngowama-0.09 eepesenti aphantsi kwi-SWPPX kwaye ubuncinci bokutshala imali kuphela ngu-100 kuphela.
Eyona nto ibonelele kwi-Stock Market Index Index
Ukuba ukufikelela kwiimpahla ezininzi ezingaphezu kwe-500 zase-US ezingenakudityanisiwe, akukho mali ekuthengiseleni, isistim esilima-mali esithengisa iifowuni esithengisa kwii-stocks ezibandakanya i-cap-cap, i-cap-cap kunye ne-cap-encinci ingaba nomdla. Nazi ezinye zezona mali ezilungileyo kakhulu zeemakethe ze-stock market:
- I-Vanguard Iyonke I-Stock Market Index (i-VTSMX): Le ngxowa yenkxaso- mali enkulu kwihlabathi ngenxa yesizathu. I-Vanguard yi-indexer yasekuqaleni kunye ne-VTSMX iphakathi kweengxelo zezimali zokuqala zokubamba iintengiso. Ngomlinganiselo weendleko zee-0.18 zepesenti, i-VTSMX yenza ubambiswano olubalulekileyo kwiportfolio. Utyalo-mali obuncinane bokuqala u-VTSMX yi-$ 3,000.
- I-Schwab I-Stock Market Index (SWTSX) : Ngexabiso lentengo ye-0.11 yepesenti, kunzima ukubetha i-SWTSX ngaphandle kokuba uvumelekile ukufumana amaxabiso angaphantsi kwe-Vanguard's Admiral Shares funds.Ngokuba uninzi lwemali yeSchwab, inani elincinane lokuthenga I-SWTSX i-$ 100 ebiza kakhulu.
Iifom zeNkcazo zeNgcaciso zeStock Stock
Ukuba ungumtyalo-mali osisigxina, kwaye awuyikubona ukutshintsha kweemarike kunye nokulinganisela kwe-akhawunti yakho ukunyuka nokuhla kwexesha elifutshane, unokufumana i-index ye-stock index index.
- I-Index ye-Vanguard Growth (VIGRX): Le ngxowa-mali inika kuphela kwi-stock-cap stocks ezikwazi ukukhula, ezenza kube yingozi kakhulu kodwa ziphinde zizuze ngakumbi kwixesha elide kunezimali ze-S & P 500. Ixabiso leendleko zeVIGRX liphantsi kweepesenti ezingama-0.22 kwaye ubuncinci bokutshala imali ngu-3,000.
- I-NASDAQ Incomposite Index (FNCMX): I-NASDAQ Index inezinqolobane ezininzi ezinkulu kodwa ezininzi zazo zithekhnoloji kunye nezitokisi zempilo ezivame ukuba nokukhula okude kwexesha elide kuneendleko zeemarike ezibanzi. Ngoko ukuba awuyiqondi ingozi eyongeziweyo yokubuyisela ixesha elide, ungathanda uFNCMX. Umyinge weendleko ngowama-0.29 ekhulwini kwaye ubuncinci bokutshala imali ngu-$ 2,500.
- I-Vanguard Mid Cap Index (VIMSX): Mhlawumbi indlela engcono yokuzinika ithuba lokubetha isalathisi se-S & P 500 kukuthenga i-index index efaka imali kwi-stock-caps, eziye zenza ngcono kunezikhokelo ezinkulu. Ii-mid-caps nazo zincinci kakhulu kunezincinci ezincinci, ezenza i-VIMSX ibe yinto engavumelekanga ukuba ithengise ngqo "kwibala elimnandi" lembuyekezo ephezulu kodwa ngaphandle kwengozi enkulu. Umlinganiselo weendleko ze-VIMSX ngowama-0.20 eepesenti, okanye i-$ 20 kuzo zonke i-$ 10,000 ezityalomali-mali, kwaye ubuncinci bokutshala imali ngu-3,000.
Iibhondi zeBond Index
Iimali zeBond zifanelekile ukuba phantse wonke umtyalo-mali ukuba abe neepotfoliyo ezahlukahlukeneyo zeemali kunye kunye neengxelo zemali yindlela efanelekileyo yokubamba inxalenye enkulu yemarike yebhanki kwi-investing eyodwa ephantsi.
Inkcazo yemarike yeekhonkco ngokuqhelekileyo ibhekisela kwiinkcazo zemali kunye kunye ne-Exchange Traded Funds (ETFs) ezityala kwi- Barclay's Aggregate Bond Index , eyaziwa ngokuba yi-BarCap Udidi, oluyi-indeal ebanzi yobuninzi obubambisene nezibophelelo ezininzi ze-US kunye nezinye izibophelelo zangaphandle. e-US
Nantsi i-index index bond bond ukuhlangabezana nalo hlobo lwesidingo sokuhluka kunye nokulula:
- I-Vanguard Iyonke iNkcazo ye-Bond Market (i-VBMFX): Le ngxowa-mboleko enkulu kakhulu yebhanki kwihlabathi, ngokwempahla ephantsi kolawulo, oko kuthetha ukuba yintando ebenziyo-abatyala-mali kunye nenani labaneluleki kuphela . Xa uthengisa izabelo zale ngxowa-mboleko yebhondi ufumana ukuthengiswa kuyo yonke imarike yaseburhulumenteni yase-US, eyizinkulungwane zezibophelelo, ezibandakanya iintlobo eziliqela, kubandakanywa izibophelelo zenkampani, iibhondi ze-US, iibhondi zexesha elifutshane, iibhondi zexesha elide, ixesha elide amabhondi, kunye nokunye. Umyinge weendleko ngowama-0.16 ekhulwini kwaye ubuncinci bokutshala imali ngu-3,000.
- Ukunyaniseka kweBond Bond (FTBFX): Le ngxowa-mboleko ebanzi efana neVanguard yeVBMFX; nangona kunjalo ikwazi ukuguqulwa komngcipheko wokulinganisela umngcipheko kunye nomvuzo. Ekuguquleleni i-FTBFX inokubamba izibophelelo eziphezulu ezivunayo, umzekelo, kwaye mhlawumbi ubambe iindleko ezide ezinde ixesha elide, xa kuthelekiswa neVBMFX. Iindleko ziphezulu kakhulu kwi-0.45 yeepesenti kodwa iindleko ezongeziweyo zeengxowa-mali zingabaluleka. Ukuthenga ubuncinci bokuqala ku-$ 2,500.
Iikholeji eziHle
Ukuba ukhangele indlela efanelekileyo yokufumana umxube ohlukeneyo weempahla kunye nezibophelelo kwi-fund eyodwa yodwa, indlela efanelekileyo yokuyenza yinkxaso ye-index index.
Nantsi i-index index engcono kunye nomxube ochanekileyo weempahla kunye nezibophelelo:
- I-Vanguard Index Balanced (VBINX): Le ngxowa inomsebenzi omkhulu wokugcina iindleko eziphantsi kunye nokulinganisela umngcipheko kunye nomvuzo ngexesha elide. Ulwabiwo lweefa luhlala malunga nama-60 ekhulwini kunye namabhondi angama-40, okwenza kubekho ukuba abatyali-mali bafune umngcipheko ophakathi (okanye ophakathi). Ukubuyiselwa kwexesha elide kuye kwathandeka malunga neepesenti ezingama-7, njengoko kulinganiswa neminyaka eyi-15 ebuyela ngonyaka ngonyaka we-2016. Ixabiso lentengo liphantsi kwi-0.22 yepesenti kwaye ubuncinane bokutshala imali ngu-3,000.
Kukho ezinye iimali zenkcazo ezilinganayo kodwa akukho namnye onokubetha intlangano yeVanguard yeendleko eziphantsi kunye nexesha elide.
I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.