Njani kwaye Kutheni uJohn Bogle Uqala iVanguard

UJack Bogle - Omkhulu we-Index Investment

UJohn C. "UJack" uBogle nguMsunguli we-Vanguard Group, Inc., kunye noMongameli we-Bogle Financial Markets Research Centre. Udale iVanguard ngowe-1974 uBogle wakha inkampani yokuxhaswa ngezimali kunye nombono wakhe wokuba imali ephantsi kweendleko zenkxaso-mali ingabonelela ngokuphindaphindiweyo kwe-investor. Wayekhonza njengoSihlalo kunye neGosa eliLawulayo eliPhambili eVanguard de kube ngu-1996 kunye noSihlalo oPhezulu ukuya ku-2000.

I-8 ye-Bogle Imigaqo-siseko yoTyalo-mali

Ukulula kusemgangathweni yefilosofi yokutshala kweBogle. Kwincwadi yakhe edumileyo, i-Common Sense kwi-Mutual Funds: Imilinganiselo emitsha kwi-Investor Intelligent, ikwabelana nabafundi yakhe imithetho eyisisiseko yokutyalo-8:

1. Khetha iindleko eziphantsi kweendleko
2. Cinga ngenyameko iindleko ezongeziweyo zeengcebiso
3. Musa ukugqithisa ukusebenza kwengxowa-mali eyadlulileyo
4. Sebenzisa ukusebenza kwangaphambili ukuqinisekisa ukuhambelana nomngcipheko
5. Qaphela iinkwenkwezi (njengokungathi, abaphathi beenkampani zeenkwenkwezi zenkwenkwezi)
6. Qaphela ubungakanani bexabiso
7. Ungenayo imali eninzi kakhulu
8. Thenga i-portfolio yakho ye-fund - kwaye uyibambe

I-Bogle Investing Philosophy: Amandla kunye nokulula kwe-Index Investment

Ifilosofi ye-John Bogle yongenisa i-index yokuqala yenkcazo efumanekayo kuluntu jikelele, i- Vanguard 500 Index (VFINX) ngo-1976. Nanamhlanje, le ngxowa-mali enye yeyona mali efanelekileyo ye-S & P 500 ne-Vanguard imali ozithandayo lweemali ezihlanganyelweneyo kwisihlwele esizenzayo.

UBogle ufundise ukuba udibaniso lweendleko ezinxulumene neendleko kunye nokuthambekela kwephutha lomntu ibuyisela iimali ezilawulwa ngentsholongwane.

Ngoko ke, indlela yokuqonda iindleko eziphantsi kunye nokususwa kweemithintelo zengqondo ezenza izikhombisi-mali zizithuthi ezingcono kakhulu kubatyalomali, ingakumbi kulabo bahlala ixesha elide (iminyaka engaphezu kwe-10).

Le nfilosofi ingafingqwa ngcamango: "Ukuba awukwazi ukubetha ', qhafaza' em. ' Ukuhamba yonke indlela ukuya kwiikholeji zakhe ePrinceton, uBogle yaqaphela ukuba abaninzi abaphathi beengxowa-mali abazange bakwazi ukubetha ibhenkmark zabo ezijoliswe kuzo, ngokuqhelekileyo inkcazo ebanzi-based njengeS & P 500.

Ukuba ngabaphathi beengxowa-mali banzima ukubetha isalathisi, kutheni ungagcini iifowuni ezifanayo zenkcazo, ugcine iindleko zolawulo phantsi, kwaye uphumelele ngokuhambelana nokusebenza kwesalathisi?

Njengoko bathetha, yonke into yimbali. I-Vanguard yenye yeenkampani ezinkulu ze-fund kunye ne-index index investment iyaqhubeka ibonisa iingcamango zakhe zendleko eziphantsi, impumelelo yokutshala imali.

UBogle, ngoku umhlala phantsi, ngokufanelekileyo kwaye ngokuqhubekayo ubonisa uluntu otyalo-mali ukuba kuyisilumko ukuzama indlela elawulwa ngokunyanisekileyo apho isicwangciso - mali esicwangcisiweyo esincinci, esincinci esincinci singabonelela ngokutsha.

I-Vanguard nayo inikezela ngee- Exchange Traded Funds (ETFs) , ezingagqatswanga ngokupheleleyo nguBogle, oye wabhala i-ETF njengendlela ebonakala yingozi kumtyalo-mali.

I-Vanguard kunye ne-Bogle inokwenza ngokunyanisekileyo okwenzayo-abatsha-mali abazibiza ngokuthi "Bogleheads" abathanda ukusebenzisa i-Jack Bogle isiluleko esisebenzayo sokutshala imali kunye nemali yezemali.

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.