I-Vanguard i-Admiral Shares Inkcazo kunye neNzuzo
Iimali ze-Vanguard ziyaziwa ngeendleko zabo eziphantsi kweendleko eziphantsi, ezingekho mthwalo , ngokuqinisekileyo ziintlobo ezifanelekileyo zokutyalomali zenzalo-ngaba-ngokwabo-abatyala-mali. Nangona kunjalo abatyala-mali kufuneka baqaphele ukuba neengxowa-mthwalo ezingekho mthwalo zineendleko. Bamele baqaphele iindleko zotyalo-mali kwaye kufuneka ngokubanzi bajonge iimali kunye kunye neendleko eziphantsi.
Kodwa kutheni iindleko ezisezantsi zifana nenzuzo kwihlabathi lokutshala imali kwaye iAgaard Admiral Shares ibandakanya ntoni na le mali?
Fumana indlela ukugcina iindleko ezincinci kunokunceda ukwakha umgca wakho ophantsi ngaphaya kwexesha kunye nendlela yokusebenzisa iAngard Admiral shares njengesixhobo kwipotfoliyo yakho yokutshala imali.
Iindleko zeMatual Fund kwaye Kutheni ukugcina iindleko eziphantsi kwi-Smart is Smart for Investors
Ukugcina iindleko eziphantsi kunye notyalo-mali kukufana nokunciphisa iindleko kwi-budget yekhaya. Xa uchitha imali encinci, unokukwazi ukuzigcina ngokwakho, ngaloo ndlela uvumele ukuba umnini wakho ufanele ukhule ngaphezu kwexesha. Umgaqo olula kodwa ovavanywa ngethuba lokuchitha imali encinane, gcina ngaphezulu.
Xa kuziwa kwiimali ezidibeneyo, iinjongo ezifanayo ziyasebenza. Iindleko ezingaphantsi ziguqulela ngokubanzi ukubuyisela phezulu. Isebenza kanjani lento? Iindleko zokuhlawula iindleko ngeendleko ngeendlela ezahlukeneyo:
- Izabelo: Le ngxowa yesikhwama sokubambisana ihlawula oko kuthiwa ngumthwalo wokugqibela, okuyi-pesenti, kaninzi ivela kwi-3% ukuya kuma-5.75 ekhulwini, ehlawulwa xa kuthengwa izabelo.
- Izabelo ze-B: Esi sigaba sabelo sithethe iindleko xa kuthengisa izabelo, yingakho loo mrhumo kuthiwa ngumthwalo wokugqibela. Le ntlawulo inokuba nayo ibe ngama-5 ekhulwini okanye ngaphezulu.
- Izabelo ze-C : Le mali ihlawula oko kuthiwa "umthwalo umthwalo," oku kuthetha ukuba kukho imali eqhubekayo, ngokuqhelekileyo i-1,00 pesenti, ngokungakhathaliseki ukuba ubambe i-fund. Oku kwandisa iindleko zeengxowa-mali kwaye zidibanisa ukubuyiswa kwemali, njengemali ye-12b-1 kunye nebelo-B.
- Akukho-Iimali zeMali: Ezi mali azihlawulanga nayiphi na umthwalo kodwa zineendleko zangaphakathi.
- Ukulinganiswa kweendleko zeMatual Fund: Zonke iimali zomntu, ngaphandle kwemithwalo, zineendleko eziya kuhlawula iindleko zokusebenza kwaye ezi ndleko zichazwe kwixabiso leendleko zemali . Imali yokulayisha, le ntlawulo yongeza kwimithwalo.
Imithwalo ingenza ingqiqo kubatyalomali basebenzisa umcebisi ongahlawulisi imali yokucebisa ngqo kumxhasi. Ngamanye amagama, kumcebisi okanye umdayisi othengisa iimali ezixhasiweyo, inxalenye yokuhlawulwa kweengcebiso zivela kwintlawulo yomthwalo. Ngamanye amaxesha ukuhlawula umthwalo kunengqiqo kodwa kunqabile ukuba kunengqondo ukuthenga iimali ezixhasanayo kunye neendleko eziphezulu.
Ngokomzekelo, xa kuthelekiswa neemali ezimbini zokubambisana kunye neenjongo ezifanayo kodwa izilinganiso ezahlukileyo zeendleko, lowo uhlawule ngexabiso eliphantsi uza kuba neenzuzo eziphezulu ngexesha elide.
UJack Bogle, iiNgxowa zeeNkcazo, kunye neAdammal Shares
Ingcamango ebalulekileyo yokugcina iindleko ezincinci ngokutyalomali ngokungathandabuzekiyo kukuphambili kweendlela zokutyalomali kunye nenkolelo yeepotfoliyo ngenxa kaJohn C. "UJack" uBogle, umsunguli weVanguard.
Isizathu sokuba iBogle iqale iVanguard kusisiseko sokuba kungani i-Vanguard Admiral Shares yaba khona. Ngethuba ekholeji, uBogle wabhala iphepha le -sissis malunga nokuba utyalo-mali oluphantsi kangakanani luyakwazi ukuvelisa ubukhulu obuphezulu kwixesha elide.
Waqala uVanguard Investments ngo-1974 ngokusekelwe kwiingcamango zakhe zokutyala imali ephantsi. Kungekudala emva koko, inkcazo yokuqala yenkcazo efumanekayo kuluntu, i- Vanguard 500 Index (VFINX), yasungulwa.
Namhlanje iVanguard yiyona nkampani enkulu ebambisene neengxowa-mali kwihlabathi ngokwempahla egcinwe kwiimali zabo kunye kunye neVanguard Iyonke ye-Stock Market Index (i-VTSMX) yinkxaso- mali enkulu kwihlabathi .
IVanguard iphumelele njani loo mpumelelo? Akunjalo ngenxa yokukhangisa ngokukhawuleza; kungenxa yokuba abatyali-mali baye bafunda oko uBlozi wayesazi khona ekuqaleni-ukuba iimali ezidibeneyo zendleko, ngokukodwa iingxelo zemali, zikwazi ukukhupha imali engaphezulu kweendleko kwixesha.
Iimali zenkcazo ziphambili kwimbali yeVanguard kuba i-index index ilawulwa ngokukhawuleza, oko kukuthi bayayilandela ngokukhawuleza inkcazo, kunokuba baphando ngokuphandle, ukuhlalutya, ukuthenga, nokuthengisa izinto.
Ekubeni iimali ezilawulwa ngenyameko zibiza kakhulu ukuba zisebenzise zivame ukulahlekelwa kwintsebenzo ekuhambeni kwexesha ukuya kwii-index index. Nangona kunjalo kukho ubuncinci beemali ezilawulwa ngokuzimeleyo eziye zadlulela kwiimali zeengxelo.
Iqiniso lokuba uninzi lweemali ezilawulwa ngokukhawuleza zilahlekelwa kwi-index index (benchmark index) zingatshwankathela kwizwi eliqhelekileyo, "Ukuba awukwazi ukubetha ', qhafaza' em. Ngamazwi ahlukeneyo, ukuba ngabaphathi beengxowa-mali abakhutheleyo banzima ukubetha isalathisi, kutheni ungagcini iifowuni ezifanayo zenkcazo, ugcine iindleko zokulawula phantsi, kwaye uphumelele ngokuhambelana nokusebenza kwesalathisi?
Ukwakha kwimpumelelo yokutyalo-mali-mali kunye ne-index investment, i-Vanguard iqalise ii-Admiral Shares, ezinamaxabiso angaphantsi kwee-Award Investor Shares.
Ulwabiwo-mali lwama-Admiral: Iindleko, ubuncinci kunye neziNzuzo
Iingcamango ezisisiseko ze-Vanguard's Admiral Shares kukuhlawulela abatyali-mali ngamanani aphezulu ngokuhlawula iindleko ezincinci kwimida yazo. Iimali zengxelo kunye neengxowa-mali ezilawulwa ngerhafu ze-Vanguard Admiral Shares iimali zinexabiso elincinci lokuthenga elingu-10 000; ubuncinci yi-$ 50,000 kwiimali ezilawulwa ngokuzimeleyo; kwaye ubuncinci yi-$ 100,000 kwiimali ezithile zecandelo; ngoxa uninzi lwabaTyalo-mali lwabo abaxhamlileyo mali banomyinge wama-3,000.
Ukulinganiswa kweendleko zeeAdammal Shares zincinci kakhulu kunezoVanguard Investor Shares. Nangona kungabonakali njengendleko enkulu yokugcina imali, nokuba ngamaphuzu ambalwa (ikhulu leepesenti) angongeza kwixesha.
Ngokomzekelo, i-Investor Shares yeVanguard 500 Index inexabiso lentengo ye-0.14 yeepesenti, kanti i-Admiral Shares version (VFIAX) ineendleko ze-0.04 ekhulwini. Ukwahlukana kwe-0.10 kweepesenti kufana ne-$ 10 kuzo zonke i-$ 10,000 ezityalomali. I-$ 10 yongeza ngaphezu kwexesha elininzi leminyaka.
Inzuzo ephambili yokuthenga i-Vanguard's Admiral Shares ngokuthenga i-Award Investor Shares, okanye ezinye iimali eziphathekayo kunye neendleko eziphezulu, kuba ngumxhamla wokugcina imali eninzi kwaye ukhulise loo ndolozo. Ngesigqibo esisodwa esheshayo sokuthenga ama-Admir Shares, kunokuba i-class share share class, umtyalo-mali unokugcina imali engama-dollar ngaphezulu kwexesha. Esi sigqibo singachazwa ngokuthi "akukho-brainer" kwihlabathi lokutshala imali.
Ngokutsho kweVanguard, iiSahlulo zabo ze-Admiral zi-41% ziphantsi ngaphantsi kwezoNkxaso-mali zabathengi kwaye zingama-83 ekhulwini ngaphantsi kwe-fund yemali ephakathi kwendawo yonke yokutshala imali.
I-Vanguard inikezela ngemali yokuthengiselana, eyaziwa njenge- ETF , nangona ezinye iindlela zeengxowa-mali zihlanganyelwanga ngokupheleleyo yiBogle, obhale i-ETF njengendlela ebonakala yingozi kumtyalo-mali. Nangona kunjalo iVanguard, njengale mibhalo, yimbini ye-ETF yeyona nto inkulu ngokwempahla phantsi kolawulo, okwesibini kuphela kwiShares ngu-BlackRock.
Ngaphantsi: Kuba iindleko eziphantsi ziyinzuzo kubalimi-mali, iindleko ezisezantsi zincinci ngakumbi!
Ukuguqula i-Vanguard Investor Shares kwi-Admiral Shares
Abaxhasi be-Vanguard abafuna ukufihla imali yabo Abanini-mali Abanini-mali Abakwa-Admiral Shares bangenza oku ngokwenza isicelo esilula kwiVanguard. Kwezinye iimeko, iVanguard iya kwenza ukuguqulwa ngokuzenzekelayo kuba bavavanya ngezikhathi iimali zomthengi ukugqiba ukuba ngaba bafanelekile ukuguqulwa.
Ukuba ungumthengi weVanguard, kwaye ukholelwa ukuba ufanelekile ukuguqulwa kwaye ungafuni ukulinda ukuguqulwa ngokuzenzekelayo, kufuneka uqhagamshelane ngqo neVanguard.
Ngaphambi kokuthatha isigqibo malunga nokuguqula izabelo ukusuka kwiklasi yoTyalo-mali ukuya kwi-Admiral Shares, qiniseka ukuba awugqithisi ubuncinci kuphela kodwa unethemba lokuba unokugcina ibhalansi ngasentla.
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.