Umzekelo wePortfolio yeVanguard Funds
Mhlawumbi inzima kuphela yokwakha iphothifoliyo kunye neengxowa zeVanguard zinciphisa ukhetho olukhethiweyo lwemali embalwa esebenza kakuhle kwiimfuno zakho. Kukho okuninzi ukhetha kuyo!
I-Vanguard ingaba yindawo yokuya kutyalo-mali kwiinkcukacha zenkcazo , kodwa zinezinye zezona mali eziphathekayo eziphathekayo eziphathekayo .
Ngenxa yokukhethwa okubanzi kweemali eziphathekayo eziphezulu, eziphantsi kweendleko, akukho mfuneko yokutyalomali kunye nezinye iinkampani zemali.
Qala ngeSakhiwo esihle sePortfolio
Ngaphambi kokuba sikhethe imali engcono kakhulu yeVanguard ekusebenziseni iphothifoliyo yethu, siza kuhlaziya isakhiwo sephothifoliyo esilula kodwa esisebenzayo, esibizwa ngokuba sisiseko kunye nesathelayithi , esafana nje: kuvele iphothifoliyo "malunga nokubamba," isikhombi-sikhokelo esikhulu samashishini, kunye neengxowa-mali ezinkulu, kunye nezinye iintlobo zemali-"ii-satellites holdings" -iyo yonke into eyenziwa ngamacandelo amancinci kwipotfoliyo yokugqiba yonke. Ama-satellites ngokuqhelekileyo aneemali ezivela kwiindidi ezahlukahlukeneyo, ezifana nesitoko samazwe angaphandle, i-stock-cap stock, i-bond bond, kunye namaxesha athile.
Injongo ephambili yale mveliso yoyilothifoliyo kukunciphisa umngcipheko ngokusebenzisa ulwahlulo (ukubeka amaqanda akho kwiibhasikiti ezahlukeneyo) ngelixa uphumelele (ukufumana imbuyiselo ephezulu kune-benchmarkmark) yokusebenza, njenge- S & P 500 Index .
I-Portfolio yeSampula yeeMali eziMnandi zeVanguard
Ngoku ukuba sinezixhobo eziphambili ze-portfolio ye-Vanguard imali, sinokukhangela umzekelo onokuba ngumzekelo wokwakha iphothifoliyo yakho:
- 35% I-Vanguard 500 Index (VFINX): Izitokisi ezinkulu ze-US
- 15% I-Vanguard Iyonke iNkcazo yeNkcukacha yeeNkcukacha zamazwe ngamazwe (i-VGTSX): izitoko zangaphandle
- I-10% yeVanguard Explorer (VEXPX): I-stocks encane
- 5% I-Vanguard Health Care (VGHCX): Icandelo lezeMpilo
- 35% I-Vanguard Iyonke Index ye-Bond Market (VBMFX): iibond
Lo mxube othile weengxowa-mali zeVanguard ngumzekelo wesikhundla -mali esilinganiselweyo, esilungele umtyalo-mali ngokunyamezela kokunyamekela kwengozi kunye nexesha elingama-5 ubuncinane. Abatyalomali abancinane banamkelekile ukwamukela ixesha lokunciphisa ukunyuka kweemarike (ukuphakama kunye nokuhla kwexabiso le-akhawunti) ngokutshintshela ukuba kunokwenzeka ukuba ufumane imbuyekezo ukuba ukuphuma kwexabiso lokungena kwempahla ngumgama osemazantsi. Ulwabiwo-mali lolwabiwo lwe-asethi lungama-65% esitokisini kunye nezibophelelo ezingama-35%.
Ukusetyenziswa kweemali zecandelo, njenge-VGHCX inokhetho. Ukuba amanye amacandelo ayongezwa, qi ni sekise ukuba ulwabiwo olu-5% kwicandelo ngalinye kwaye uzame ukungadlulanga inani eli-15% elibiweyo kumacandelo (oko kukuthi ama-5% abiwe kwiimali zecandelo ezahlukeneyo ezi-3).
Okhethiweyo wePortfolio Portfolio
Usenokuba uqaphele ukuba le potifoliyo yemodeli ifaka iimali ze-Vanguard eziphathekayo kunye neengxelo zemali. Kodwa abatyali-mali abathile bafana neengcamango zokutshala imali kuphela kwi-index index yeVanguard. Oku kungenxa yokuba banamaxabiso amaninzi aphantsi kakhulu kwaye balandelelanisa iziganeko zabo, okunciphisa umngcipheko wegosa elijongene neengxowa-mali ezilawulwa ngokuzithandela .
Ngenxa yobume benkcazo yemali, abanye abatyali-mali bayabetha ngokunyanisekileyo iipotifoliyo zeengxelo zeengxelo " iphothifoliyo epholile ." Nasi umzekelo olula wephothifoliyo yevila yeengxowa zeVanguard:
40% I-Vanguard Iyonke Imali ye-Stock Market Index
30% I-Vanguard Iyonke ye-International Stock Index Index
30% I-Vanguard Iyonke ye-Bond Market Index Index
Iphothifoliyo yeliviki enye enye isabelo esilinganiselweyo, eli li-70% ezitokisini kunye nezibophelelo ezingama-30%.
Kungakhathaliseki ukuba yiyiphi imali oyiVanguard oyikhethayo, qi niqiniseke ukuba usebenzisa umxube ohlukeneyo weentlobo zeengxowa-mali kunye nokulandela izi khokelo ngokuhlalutya imali .
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.