Kutheni abantu abaninzi abatyala imali bebathanda iVTSMX
Ingxowa-mali ye-stock market yenkxaso-mali iyimali ehlangeneyo efaka imali kwibhaksi yeempahla eziza kubonisa ngokukhawuleza ukugcinwa kwempahla kunye nokusebenza kwesilinganiselo esithile, njengeWilshire 5000 okanye iRussell 3000.
Iibamba zibandakanya ubuninzi beempahla zasekhaya zase-US ezithengiswayo kwimpahla yokutshintsha, oko kutheni igama "elipheleleyo lemarike" lisoloko lifakwe kwigama le-fund. Njengemali ye- S & P 500 Index , i-Wilshire 5000 i-cap-cap weighted, oku kuthetha ukuba iikhampani ezinkulu (ezo zikhulu zentengo) ziza kubonisa inxalenye enkulu (ibe phakathi kwezinto eziphezulu) ngepesenti kuneenkampani ezincinci.
Yintoni eyenza iVTSMX i-Biggest and Best
- Amaqela ahlukeneyo : I-VTSMX yenzelwe ukunika abatyali-mali ukuba baveze yonke imarike yokulingana yase-United States, kubandakanywa iinkampani ezincinci, eziphakathi kunye neenkulu kwiiklasi zombini kunye nokuxabisa. I-fund ilandelela i-CRSP US Total Index Index, emele malunga ne-100% yemarike ye-equity investment. Le ngxowa-mali i-cap-weighted, oku kuthetha ukuba izitoko ezinkulu kakhulu ngeentengo zemali zimela ngaphezulu kwipotfoliyo kunokuba i-capitalization encinci.
- Iindleko eziphantsi : Uhlobo oluthile lwe-VTSMX lithetha ukuba akukho mfuneko yokuba uphando oluthile oluphezulu kunye neendleko zokurhweba eziyimfuneko ekuphatheni okusebenzayo. Umlinganiselo weendleko ze-VTSMX ngu-0.17%, ephantsi kakhulu kwimigangatho yoshishino kwaye idibanisa ukuya ku-$ 17 kuphela kwi-$ 10,000 eyi-invested.
- Intlawulo ephantsi: Isizathu esibalulekileyo seNkcitho yeNkcitho yeNkxaso ye-Total Stock Market yintlawulo ephantsi ye-0.03%. Ingeniso yipesenti yebhanki yebhanki eyathatyathwa ngotyalo-mali oluthile (okanye "uguqulwe") ngunyaka odlulileyo. Iimali zengxowa-mali ezilawulwa ngokusebenzayo zihlala ziba ne-ratios yerhafu ezidlulileyo kuma-50%, ezingabangela kuphela kwimirhumo ephezulu kodwa ukusebenza kakubi kwixesha elide.
- Ukusebenza kweRhafu: Umphumo othe ngqo weentengo eziphantsi ukuncitshiswa kweerhafu ezigqithiselwe kumtyalomali. Xa iimali zentengiso zithengisa ukubamba kwixabiso eliphakamileyo kunexabiso elithengiweyo, livelisa irhafu yengeniso yemali, leyo idluliselwa ku-investors ngendlela "yokunikezelwa kwemali eyinzuzo." Ukuba ubambe i-akhawunti yengxowa kwi-akhawunti ehlawulwayo, uya kuhlawula irhafu kule miba. Ngoko ke, ekucingeni ukuba ufuna ukunciphisa irhafu, uya kufuna isibonelelo se-tax-efficient efana ne-VTSMX.
Qaphela kwakhona: I-Total Total Index ye-Stock Market Index kunye ne- Total Stock Market Index vs S & P 500
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.