Jonga uluhlu lweeNgxowa-mali zamaZiko aMazwe ngamazwe ngamaVanguard
Ngokuqinisekileyo indlela eyona ndlela yokugubungela imakethe yempahla ngaphandle kwe-US inokuxhaswa kwemali eyahlukeneyo ephantsi, kunye neVanguard inezikhetho ezininzi ezikhethiweyo zokukhetha kuloo mali usebenza ngaphandle kwelo.
Iimali ze-Vanguard zininzi zihlanganisa indawo yonke yeempahla kwaye zinikela malunga naso sonke isahluko esicatshangelwayo semakethe yehlabathi.
Banikezela ukuvelisa kwiimarike eziphuhlisiweyo, iimarike ezikhulayo , i-stock yaseYurophu, i-real estate yehlabathi, kunye neentlobo ezithile zeengxowa-mali zehlabathi.
Kutheni utyalo-mali kwiiSitokisi zamazwe ngamazwe yinjongo efanelekileyo
Ukutshala imali kuma- stocks ezizwe ngamazwe , okubizwa ngokuba ngama-stocks, angama- stock , ama- stock-stock , ama- stock -stocks, okanye i-equity equities, yinto ebalulekileyo yokwakha iphothifoliyo eyahlukeneyo. Ngokuxhomekeke kwimibandela emininzi, njengengxaki yokunyamezela umngcipheko kunye nexesha elide, ukwabiwa okulungileyo kuma-stocks emazweni ngamazwe kwimiba ye-10 ukuya kuma-20 ekhulwini.
Isizathu esiyinhloko sokutshala imali kuma-stocks angamazwe ngamazwe kukuba kufumaneke ukufikelela kwiimarike ngaphandle kwe-US, eyona nto ibaluleke kakhulu. Oku kungenxa yokuba iimarike zase-US kunye neemarike zangaphandle azihambeli kunye-i-US inokuthi ikhuphe iisitokethi zangaphandle kwiminyaka ngelixa kodwa izitokhwe zangaphandle zingaphaya kwe-US ixesha elide.
Oku kuye kwimeko yamashumi eminyaka.
Isizathu esichaphazelekayo sokutshala imali kwiimpahla zehlabathi ngamazwe ukuza kutshintshela ukuguqulwa kwemali. Ngokomzekelo, xa i-dollar yase-United States iyancipha ngokumalunga neemeko zangaphandle, iintengiso zamazwe ngamazwe zinokuba luncedo ukubamba, ngelixa inxamnye nayo iyinyani.
Ngoku ukuba uyazi iindleko zokutshala imali kuma-stocks angamazwe ngamazwe, jonga iirejista zeVanguard ezityalo lwangaphandle.
Uluhlu lweeNgxowa-mali zeeNkcitho zamazwe ngamazwe
I-VGAGX yeVanguard Index (VTMGX): IVTMGX iVanguard inamasheya angewona ase-US of capital-middle and capital-capital. Ilandelela ngokukhawuleza i-FTSE ethuthukisiwe yonke i-Index ye-US Index, ehlanganisa amasheya angaphezulu kwama-3,800. Iimarike eziphuhlisiwe zifana namazwe aseNtshona Yurophu, njengeItali, iFransi, iJamani, iSpain, iPortugal, iJamani, iFinland, iSwitzerland, i-Norway kunye ne-United Kingdom. I-VTMGX ingxowa-mali yeklasi ye-Admir, oku kuthetha ukuba ubuncinci bokutshala imali ngu-R10 000, ephakamileyo kuneklasi yezabelo zabathengi kwiVanguard. Kodwa inani leendleko liphantsi kakhulu kuma-0.09 ekhulwini.
Iimarike eziPhakamileyo zeMatriki Khetha i-Stock (i-VMMSX): Le ngxowa-mali yomhlaba wonke igxile kwiimpahla zamazwe athengisayo athengayo, njenge-Indiya, i-China, i-Russia kunye neBrazil. Nangona iimarike ezikhulayo zingaba yingozi ngaphezu kwe-US kunye nokuveliswa kweemarike zasemzini, ukubuyiswa kwembuyekezo ephezulu kunakho. Ngenxa yoko, i-fund efana ne-VMMSX inokubonga ngokufanelekileyo kwiimarike eziphuhlisiweyo zehlabathi jikelele kwiipotifoliyo ezahlukeneyo. Izikhundla zePortfolio ziquka ama-stock angama-280. Umlinganiselo weendleko ze-VMMSX yi-0.90 yeepesenti kwaye ubuncinane bokutshala imali ngu-3,000.
I-Vanguard Imakethe yeMerging Stock Index (VEMAX): Ukuba ukhetha i-index index elawulwa ngokunganyanzelwanga ukufumana ukunyuka kweendleko ezincinci, ukungafani kweemarike ezikhulayo, i-VEMAX kukukhetha okuhle. I-VEMAX ilandelela ngokukhawuleza iMakethi yeMakethe ye-FTSE Yonke iCape China Inclusion Index, ehlanganisa ii-stock ezingaphezu kwama-4,000 kumazwe afana ne-China, eTaiwan, eRashiya, eBrazil naseIndiya. Umlinganiselo weendleko ze-VEMAX ngowama-0,4 ekhulwini aphantsi kodwa yingxowa-mali ye-Admir ukwenzela ukuba utyalo-mali obuncinane bokuqala u-$ 10,000.
I-Vanguard ye-European Stock Index (i-VEURX): Njengoko igama libonisa, i-VEURX yinkcazo ye-index elawulwa ngokungapheliyo egxile kwiimpahla ze-Yurophu. Ngaloo mali ye-stock market uza kufumana ukunyuka kweendleko eziphantsi kwiinkampani kumazwe aseYurophu njenge-Italy, iFransi, iJamani, iSpain, iPortugal, iJamani, i-Finland, iSwitzerland, i-Norway kunye ne-United Kingdom. I-VEURX ithatha i-Yurophu ye-FTSE ephuhlisiweyo Yonke i-Index Index, equka malunga ne-1,200 i-stocks yaseYurophu kwaye ibonisa malunga nesiqingatha seemarike zokulingana ezingezi-US. Umlinganiselo weendleko ze-VEURX ngowama-0.26 ekhulwini kwaye ubuncinci bokutsalwa kweentengo-mali ngu-3,000. Ukuba unako ukubeka utyalo-mali lwama-$ 10,000, ungathenga i-Admiral version ye-fund (i-ticker VEUSX), enexabiso lentengo ye-0.10 ekhulwini.
I-Vanguard International Explorer (VINEX): IVINEX yeVINEX yinto elungileyo kubanini-zimali abafuna ukuxuba umxube weempahla ezingezizo zase-US, ngokukodwa kwiimarike eziphuhlisiweyo kunye neemarike zasePacific, malunga neepesenti ezili-10 ezabiwe kwiimarike ezikhulayo. I-VINEX iyimali elawulwa ngokunyanisekileyo ephethe ama-stocks angama-350. Utyalo-mali obuncinane bokuqala u-$ 3,000 kunye nexabiso lentlawulo li-0.41 ekhulwini.
Ixabiso lamazwe ngamazwe ngamaVanguard (VTRIX): Abatyalo-mali abafuna i-fund ye-stock-oriented-stock-oriented fund kufuneka baqwalasele iVTRIX. Ukuphathwa kweengxowa-mali kubheka izitokethi kwiimarike eziphuhlisiweyo nezikhulayo ezikholelwa ukuba i-market ithoxise okanye ingabalulekanga, ngoko ke izitokhwe ziyakuthengisa ngexabiso lokuthengisana. Imali-mboleko yemyinge iyimpahla enkulu kwaye iphothifoliyo inamaphepha angama-150. Umlinganiselo weendleko ze-VTRIX ngowama-0.43 ekhulwini kwaye ubuncinci bokutsalwa kwelokutsalwa yi-$ 3,000.
I-Vanguard Pacific Index Index (VPACX): I-fund ye-stock market evela kwiVanguard igxile kwiimpahla zelizwe elisePacific, ikakhulu eJapan, eyenza malunga neyesine kweemarike ezingezizo. I-VPACX ilandelela ngokukhawuleza i-FTSE ephuhlisiweyo ye-Asia Pacific All Index Index, ehlanganisa ama-2,200 amashishini asePacific. Iindleko ze-VPACX zingu-0.26 ekhulwini kwaye ubuncinci bokutshala imali ngu-3,000. Kukho ne-Admiral version ye-Admiral (i-ticker VPADX), enexabiso elingaphantsi kwe-0.10 ekhulwini kunye nobuncinane bokutshala imali eyi-$ 10,000.
I-Vanguard Iyonke Imveliso Yentengiso Yamazwe ngamazwe (i-VGTSX): Ukuba ufanele ukhethe isikhwama-mali esisigxina se-stock joint ukukhupha i-stock market, i-VGTSX iya kwenza ukhetho oluhle. Nge-VGTSX, abatyali-mali bafumana ukutyhila ngokubanzi kwiimarike eziphuhlisiweyo kunye ezikhulayo ezibandakanya ihlabathi lonke ngaphandle kwe-US VGTSX ngokulandelela i-FTSE Global All Cap yase-US Index, emele ngaphezulu kwama-6,000 amasheya. Umlinganiselo weendleko zeVGTSX ngowama-0.18 ekhulwini. Inani elincinci lokuthenga lokuqala li $ 3,000. Abatyalomali ubuncinane ubuncinane be-$ 10,000 ekuthengeni kokuqala banokuthenga iklasi yesabelo se-Admir (i-ticker VTIAX) ngenani eliphantsi lentlawulo ye-0.11 ekhulwini.
I-Vanguard FTSE Yonke i-World Ex-US Index (VFWIX): Abatyalo-mali bafuna ukufikelela ngokubanzi kwemarike engekho e-US equity markets, kodwa i-engxowankulu ejoliswe ngaphezu kweyonke imali ye-stock fund, iya kufuna ukujonga kwi-VFWIX, ejolise ngokukodwa eYurophu, ePacific, eCanada, nakwiimarike ezikhulayo. Iphothifoliyo inamaphepha angama-2,500. Umlinganiselo weendleko zeVFWIX ngowama-0.23 ekhulwini. Inani elincinci lokuthenga lokuqala li $ 3,000. Abatyalomali okungenani ama-R10 000 ekuthengeni kokuqala banokuthenga iklasi yesabelo se-Admir (i-ticker VFWAX) ngenani eliphantsi lentlawulo ye-0.11 ekhulwini.
I-Vanguard Global Ex-US Real Estate (VGXRX): Icandelo elinye leengxowa ukusuka kwiVanguard ehlanganisa ama-stock yase-US ayi-VGXRX, egxininise kwicandelo lezakhiwo zezindlu ezizimeleyo, ezibizwa ngokuba yi-REITs. Ezi nkampani zithengela nezakhiwo zeofisi, iihotele kunye nezinye izakhiwo zezindlu. Umlinganiselo weendleko zeVGXRX ngowama-0.35 ekhulwini kwaye inani elincinci lokuthenga lokuqala li $ 3,000. Abatyalomali ubuncinane ubuncinane be-$ 10,000 ekuthengeni kokuqala banokuthenga iklasi yesabelo se-Admir (i-ticker VGRLX) ngenani eliphantsi lentlawulo ye-0.15 ekhulwini.
Ukukhetha i-fund ye-Vanguard yamazwe ngamazwe angcono kuwe akufuneki ukuba ngumsebenzi onzima. Ukuba ungumtyalo-zimali wokuqala, unokukwazi ukukhetha enye yeefowuni zeempahla zehlabathi jikelele, ezifana neVGTSX okanye iVINEX. Abanini-mali abanolwazi abanakho abanokudinga ngaphezu kwalokhu kodwa banokufuna ukuzalisa iimpahla zentengiso zangaphandle, njenge-Europe stock okanye iimarike ezikhulayo.
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.