Jonga ngokugqithiseleyo kwenye yeeNkcukacha eziDume kakhulu zamazwe ngamazwe
ETF kunye neMual Fund
I-Vanguard Iyonke ye-International Stock Index ye-mutual fund kunye ne-ETF yabelana ngesondlo esifanayo, kodwa iquka amazinga ahlukeneyo eekomishoni, iindleko zorhwebo, iimpembelelo zerhafu, kunye nezinye izinto.
I-Vanguard Iyonke i-International Stock Index I-ETF ithengisa phantsi kwe-ticker uphawu lwe-VXUS ngenani lentengo ye-0.11 yeepesenti engama-90 ekhulwini ngaphantsi kwe-average rate. Njenge-ETF, i-fund iqhuba ikhomishini encinci yokuthengisa umthengi xa kuthengwa nokuthengisa kwaye ingathengisa isaphulelo okanye i-premium kwixabiso lexabiso lempahla. I-upshot kukuba ii-ETF ziyenzileyo zerhafu kwaye zithengwa kalula kwaye zithengiswa kwimarike evulekileyo.
I-Vanguard Iyonke yeeNkcukacha zeeNkcukacha zeeNkcukacha zeeNkcukacha zeeNkxaso zeMali eziphantsi kwe-ticker mark VGTSX ene-0.18 yexabiso lentengo. Njengengxowa-mali, ayinayo nayiphi na i-commissions okanye isasaze iindleko kwaye ihlala ixhomekeke kwixabiso layo lexabiso lempahla. Ingcipheko kukuba iimali zengxowa-mali zizinzileyo kwaye zithintela ukuthenga nokuthengisa xa kuthelekiswa ne-ETFs.
Ukumba kwiPortfolio
I-Vanguard Iyonke ye-International Stock Index ibonelela nge-43.2 yeepesenti eYurophu , i-30.2 yeepesenti evelele kwi- Asia-Pacific , i-18.9 yeepesenti ezichasayo kwiMakethe eziPhakamileyo , kunye ne-7.1 yeepesenti ezingekho kwi-US.
KwiNyakatho yeMerika, ngoJanuwari 31, 2017. Ngokubhekiselele kumbono we-industry exposure, isalathisi sigxile kwiinkonzo zezimali (iipesenti ezingama-21), ama-industrials (iipesenti ezili-12), abaxhasi bamashishini (11 ekhulwini), abaxhasi bemali (9 ekhulwini), iteknoloji ( Ama-9 ekhulwini), kunye nezinto ezisisiseko (9 ekhulwini). Amanye amacandelo afana ne-energy, telecommunications, kunye ne-akhawunti ye-estate ye-asethi.
Abatyalomali kufuneka bahlale bekhumbula ukuba iphothifoliyo i-market-capital--weighted, oku kuthetha ukuba iphothifoliyo igxile kwiinkampani ezinkulu kwihlabathi. Enyanisweni, iinqununu zesalathisi zineemali zorhwebo eziqhelekileyo zeebhiliyoni ezingama-23, kunye neepesenti ezingama-16 kuphela ezibonakalayo kwiimpahla zesikhokelo esiphakathi kunye ne-4 ekhulwini kwi-stock-caps. Oku kunokunciphisa iintlobo zeentlobo zeentlobo zee-aseset ezingabandakanyekanga kwiimarike zehlabathi.
Iindleko kunye neengozi
I-Vanguard Iyonke Iimali zeeNkcukacha zeeNkcukacha zeeNkcukacha zamazwe ngamazwe zinemilinganiselo ephantsi kakhulu yeendleko kuneemali ezinamalungelo afanayo. Ingqungquthela yokuxhaswa kweengxowa-mali yenkcazo inikezela ukulinganiswa kweendleko eziza kusindisa abatyale-mali imali engama-$ 2,000 kuwo wonke ama-dollar ayi-10 000 atyala imali engaphezulu kweminyaka eyi-10 enxulumene nemali ekhuphisanayo.
Ukunciphisa imirhumo kubaluleke kakhulu kuba yonke idola ehlawulwayo ayilahlekanga kuphela, kodwa abatyali-mali balahlekelwa ngumdla onyanzelisayo welo dola ngaphaya kwexesha. Ngokomzekelo, utyalo-mali lwama-100,000 kwi-fund eyenza i-6 yeepesenti yokubuya ngonyaka kunye nentlawulo ye-0.9 yeepesenti ngokumalunga ne-0.25 yeepesenti yemali iya kulahleka phantse i-$ 100,000 ngaphezu kweminyaka engama-30. I-Vanguard Iyonke ye-International Stock Index iphakathi kweengxowa-mali ezithandekayo zamazwe ngamazwe ngenxa yeendleko zayo eziphantsi xa kuthelekiswa nemali ekhuphisanayo.
Abatyalomali kufuneka baqwalasele nezinye izinto ezinobungozi. Ngokomzekelo, i-akhawunti yeshumi ephezulu kakhulu yokubamba i-akhawunti yeepoteliyo, oku kuthetha ukuba ezi nkampani zinokuchaphazeleka kakhulu kwi-fund. Le ngxowa-mali iphinde igxininise kwiimpahla zeYurophu - ngeengcipheko ezingaphezu kwama-40 - oko kuthetha ukuba nayiphi na ingxaki eYurophu inokuchaphazela ngokupheleleyo ingxowa-mali.
Ezinye iindlela zokuqwalasela
Iimali ezininzi ezahlukileyo zibonelela ngeemveliso zeemarike ngamazwe ngamazwe, kuquka nemali yomhlaba wonke (engabandakanyi i-US) kunye nezimali-jikelele zehlabathi (eziquka i-US). Abatyalomali abakhangela ukuhlukana kwipotifoliyo yasekhaya bangathanda ukuqwalasela imali yehlabathi, ngelixa abo bafuna i-fund-in-one kufuneka bajonge kwiimali zehlabathi. I-Vanguard Iyonke ye-International Stock Index iyimali yehlabathi jikelele engabandakanyi i-US, nangona iVanguard inika yonke imali-yehlabathi njengeVanguard Total World Stock ETF (uphawu lwe-ticker VT).
I-fund ye-Vanguard Iyonke ye-International Stock Index fund yi-Vanguard enkulu ye-FTSE Yonke-i-World ex-US ETF (i-VEU), ephindaphindwe kabini ixabiso kodwa ixabiso elincinci lexabiso le-0.15 ekhulwini ngokumalunga ne-0.11 ekhulwini. Ukholo oluphambili phakathi kwezi zibini kukuba i-Vanguard ye-FTSE Yonke-yehlabathi ye-ETF yase-US ayifaki nayiphi na imbonakalo ye-cap-small, inexininiso enkulu kwiinkonzo zesevisi zezezimali, kwaye ine- diversification encinane kwiimarike ezikhulayo.
Ezinye i-ETF zokuqwalasela ziquka:
- iShares Core MSCI Iyonke i-ETF ye-ETF (i-IXUS).
- iShares MSCI ACWI ex-US ETF (ACWX).
- I-SPDR MSCI ACWI yase-US ETF (iCWI).
Ngaphantsi
Ngama-holdings angaphezulu kwama-6,000, isalathisi sinika ukubonakala kwezinto ezihlukeneyo kwii-middle-and-capital equities kwihlabathi jikelele ngexabiso lentengo ephantsi kakhulu kunomlinganiselo weshishini. Abatyalomali kufuneka bahlale bengqondweni, nangona kunjalo, kukho iindlela ezininzi zokukhetha kuzo kwaye ukhethe i-ETF okanye i-joint fund ekulungele imeko yabo .