Tseba Melemo le Mefokolo ho Likhetho
E ntlafalitsoe ka la 2 Pherekhong 2022 Senepe: Ferrantraite / Getty Litšoantšo Haeba u batla ho reka lichelete tse kopanetsoeng, mohlomong u utloile ka Vanguard, k’hamphani e kholo ka ho fetisisa lefatšeng ea mutual fund. Vanguard e fana ka lethathamo le hlahelletseng la lichelete tsa boleng bo holimo, tse theko e tlase tse kopanetsoeng le lichelete tse rekisoang ka phapanyetsano (ETFs) ntle le litefiso kapa litefiso tsa thekiso (kapa “mejaro”). U na le likhetho tse peli tsa ho reka lichelete tsa Vanguard – ho tsoa matlong a boreki a motho oa boraro joalo ka TD Ameritrade kapa Charles Schwab kapa webosaeteng ea Vanguard ka kotloloho. Haeba u se u ntse u e-na le ak’haonte femeng ea mokha oa boraro e fanang ka lichelete tsa Vanguard, ho li reka ka khoebo ea hau ke khetho e bonolo ka ho fetisisa. Leha ho le joalo, lik’hamphani tsa boraro li ka eketsa litefiso kapa lithibelo tse amanang le theko ena. Mona ke mokhoa oa ho etsa qeto.
Lintlha tsa bohlokoa
- Mokhoa o theko e tlase haholo oa ho reka lichelete tsa Vanguard ke ka Vanguard.
- Barekisi ba bang ba baholo ba fana ka lichelete tse fokolang tsa Vanguard, hangata ka litefiso tse ekelitsoeng.
- Haeba u se u ntse u e-na le morekisi, ho bonolo ho kenya chelete ea Vanguard ho potefolio ea hau ka eona.
Moo U ka Rekang Lichelete tsa Vanguard (ntle le Vanguard)
Ka lebaka la botumo ba lichelete tsa Vanguard le li-ETF, mekhatlo e meng e meholo ea barekisi e se e rekisa lichelete tsa bona tsa lichelete le li-ETF ho phaella ho tsa bona. Leha ho le joalo, kaha lifeme tseo le tsona ke bahlolisani ba Vanguard ka kotloloho, palo ea lichelete tsa Vanguard eo ba fanang ka eona hangata e na le moeli. E boetse e turu ho feta. Ka mohlala, u ka reka letlole la Vanguard’s flagship index, Vanguard 500 Index (VFIAX), ka Fidelity, empa u tla lefa tefiso ea transaction ho e fumana ka tsela eo. Botšepehi bo lefella tefiso hobane Fidelity 500 Index (FXAIX) ke letlole la tlholisano le nang le matlotlo a tšoanang. Ha se molemong oa Fidelity ho lumella bo-ramatsete ho reka lichelete tsa bahlolisani habonolo ntle le tefo kapa tefo e eketsehileng. Khoebo e kholo ka ho fetisisa e nang le palo e kholo ka ho fetisisa ea lichelete tsa Vanguard tse fumanehang ho batseteli ke TD Ameritrade, e nang le likomishene tse rarahaneng le litefiso tse fapaneng tsa lichelete tsa Vanguard. Haeba u reka chelete ea Vanguard ho Vanguard ka kotloloho, u ke ke ua lefa litšenyehelo tseo tse ling.
Melemo le Melemo ea ho Reka Lichelete tsa Vanguard ka Likhoebo tse ling
Ho reka lichelete tsa Vanguard lik’hamphaning tse ling tsa mutual fund kapa lifeme tsa barekisi ho tšoana le ho reka lichelete leha e le life tse kopanetsoeng kapa li-ETF ho tsoa femeng e hlōlisanang. Ka kakaretso, melemo e mabapi le boiketlo, ‘me mathata a shebana le litefiso. Melemo
- Bonolo: Ho reka ho tsoa khoebong e le ‘ngoe ho u nolofalletsa ho haha photefolio ea hau kaofela k’hamphaning e le ‘ngoe.
- Ho latedisa ha bonolo: Ho fokotsa palo ya diakhaonto tseo o nang le tsona ho etsa hore ho be bonolo ho lekola dintho tseo o di tshwereng.
- Diversification: Lifeme tsa barekisi le lik’hamphani tsa lichelete li na le matla a fapaneng. Mohlala, Vanguard e sebetsa hantle ho indexing empa ha e na chelete e ngata e laoloang ka mafolofolo.
Mebe
- Litšenyehelo: Ho lefa tefiso ea transaction nako le nako ha u reka letlole la kopanelo, kapa komisi nako le nako ha u reka likarolo tsa ETF, ho fokotsa phaello ea hau ea letlooa. E boetse e hlōla morero o ka sehloohong oa ho reka lichelete tsa Vanguard-litšenyehelo tse tlaase!
- Khetho e fokolang: Le hoja u ka fumana chelete ea Vanguard lifeme tse ling tsa barekisi, ho ka etsahala hore ba se ke ba fana ka lichelete tsohle tsa Vanguard.
Mothati o ka tlase
Haeba u batla ho haha potefolio e nang le chelete e ngata ea Vanguard mutual funds kapa ETFs, u tla rua molemo ka ho tsetela ka ho toba le Vanguard Investments. U tla boela u khone ho fumana chelete e ngata le li-ETF tseo Vanguard e fanang ka tsona, ‘me u ke ke ua tlameha ho lefa litefiso tse eketsehileng.
Lipotso tse atisang ho botsoa (FAQs)
Chelete ea index ea Vanguard ke eng?
Chelete ea index ea Vanguard ke mofuta oa sehlahisoa sa matsete se sa sebetseng se latelang index. Li-index tsena li ka ba bophara, joalo ka S&P 500 kapa Nasdaq. Li ka boela tsa shejoa ho hapa mofuta o itseng oa matsete kapa sebaka, kapa sepheo se seng. Ka ho latela lethathamo la litšupiso ho e-na le ho etsa liqeto ka mafolo-folo mabapi le matsete, lichelete tsa Vanguard’s index hangata li na le litefiso tse tlase ho feta mekhoa e meng e sebetsang ea letlole.
Ho nka nako e kae ho reka kapa ho rekisa chelete ea Vanguard?
Likhoebo tsa lichelete tsa Vanguard, joaloka tsohle tsa lichelete tsa lichelete, li etsa hang ka letsatsi ka mor’a hore ‘maraka o koale. Khoebo efe kapa efe e kentsoeng ka har’a fensetere e fetileng ea khoebo e tla etsoa ha boleng ba thepa e ncha ea letlole (NAV) bo baloa. Ha ho na nako e behiloeng ha e etsahala, empa u ka lebella hore e etsahale ka nako e itseng thapama kapa mantsiboea ka mor’a letsatsi la khoebo. Haeba motho a rekile odara ka Mantaha hoseng, mohlala, thekiso e lokela ho be e felile ka Labobeli hoseng. The Balance e sebelisa mehloli ea maemo a holimo feela, ho kenyeletsoa le lithuto tse hlahlobiloeng ke lithaka, ho ts’ehetsa lintlha tse ka har’a lingoliloeng tsa rona. Bala mokhoa oa rona oa ho hlophisa ho ithuta haholoanyane mabapi le kamoo re netefatsang le ho boloka litaba tsa rona li nepahetse, li tšepahala ebile li tšepahala. Lichelete tsa Vanguard tse thehiloeng hantle le lichelete tse rekisoang ka phapanyetsano esale e le tsona tse ka sehloohong ho 401 (k) s, merero ea penshene, li-IRA le li-portfolio tse laoloang. Empa ho phela nako e telele ha se lona feela lebaka leo Vanguard e fetohileng mohloli oa batsamaisi ba moralo oa penshene le batseteli ka bomong. Mokhoa oa feme oa ho nahana ka pele, oa ho nahanela litefiso tsa taolo ea letlole – haholo-holo ho qala letlole la pele le fumanehang phatlalatsa la index ea mantlha – e thusitse bareki ba eona ho fumana meputso e betere ea matsete ho feta lichelete tsa mantlha tse laoloang ka mafolofolo.
Vanguard mutual fund definition
Lichelete tse kopanetsoeng tsa Vanguard ke matsete a kenyang chelete ea batseteli ho reka li-stock, li-bond le matlotlo a mang. Lichelete tse kopanetsoeng tsa Vanguard li fana ka mokhoa o theko e boima oa ho theha li-portfolio tse fapaneng – moo chelete ea hau e phatlalalitsoeng ho matsete a fapaneng ho e-na le ho kena setokong se le seng – ntle le ho ikhethela le ho laola thepa u le mong.
Chelete ea Vanguard: E sebetsa khahlano le passive
Haeba u ntse u batlisisa khetho ea lichelete tsa Vanguard, phapang e le ‘ngoe ea bohlokoa eo u lokelang ho e etsa ke pakeng tsa lichelete tse sebetsang le tse laoloang feela. Lichelete tse laoloang ka mafolofolo li na le litsebo tsa matsete tse hlahlobang le ho khetha hore na ke li-stocks life tse lokelang ho bolokoa ho leka ho fokotsa phaello e tloaelehileng ea ‘maraka. Litefiso tsa tsamaiso bakeng sa lichelete tse laoloang ka mafolofolo li batla li phahame ho feta tsa lichelete tse laoloang feela. Empa ho sa tsotellehe litefello tseo tse holimo, lichelete tse laoloang ka mafolofolo li atisa ho fokotsa litekanyetso tsa tsona tsa ‘maraka. Lichelete tse laoloang ka mokhoa o sa reroang li batla ho ts’oana le litefello tsa index e pharalletseng ea mmaraka (joalo ka S&P 500). Lichelete tse laoloang ka mokhoa o sa sebetseng hangata li feta balekane ba tsona ba sebetsang, empa chelete e sa sebetseng e reretsoe ho ba karolelano. Kaha lichelete tsena li laoloa ntle le tlhokomelo e ngata, litefello tsa tsona li atisa ho ba tlaase ho feta tsa lichelete tse laoloang ka mafolofolo.
Hobaneng ha Vanguard mutual funds e tumme hakaale?
Vanguard e ipabola linthong tse tharo tse kholo tse etsang hore batseteli ba thabe:
1. Khetho
Lichelete tse kopanetsoeng tsa Vanguard li e lumella ho tlatsa karolo e ‘ngoe le e ‘ngoe ea litlhoko tsa kabo ea thepa ea motseteli. Ntle le lichelete tse kopanetsoeng tse sebetsang le tse sa sebetseng, Vanguard e boetse e fana ka lichelete tsa letsatsi le shebiloeng le lichelete tse rekisoang ka phapanyetsano. Lichelete tsa ho tlohela mosebetsi tsa letsatsi le reriloeng li na le motsoako oa lichelete tsa index tse pharalletseng tsa Vanguard tseo butle-butle li fetohelang matsete a tsitsitseng ha letsatsi la hau la ho tlohela mosebetsi le ntse le atamela. Lichelete tsena li tumme mererong ea ho tlohela mosebetsi e tšehelitsoeng ke mohiri joalo ka 401 (k) s. Lichelete tse rekisoang ka phapanyetsano, kapa li-ETF, li rekoa le ho rekisoa joalo ka li-stock. Lichelete tsena li fa bo-ramatsete monyetla oa ho reka karolo e nyane licheleteng tse ngata tsa Vanguard ka theko e tlase haholo ea ho kena – theko ea karolo e le ‘ngoe khahlano le bonyane ba matsete a letlole la Vanguard. » Ithute haholoanyane: Li-ETF ke eng? Phatlalatso
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| Lintlha tsa NerdWallet | Lintlha tsa NerdWallet | Lintlha tsa NerdWallet |
| Ithute haholoanyane | Ithute haholoanyane | Ithute haholoanyane |
Litefiso$0 khoebong ka ‘ngoe bakeng sa li-stock tsa US le li-ETF tsa marang-rang |
Litefiso$0.005 karolo ka ‘ngoe; ka tlase ho $0.0005 ka litheolelo tsa molumo |
Litefiso$0 ka khoebo |
Bonyane ba akhaonto$0 |
Bonyane ba akhaonto$0 |
Bonyane ba akhaonto$0 |
KhothatsoFumana $100 ha o bula ak’haonte e ncha, e loketseng ea Fidelity ka $50 kapa ho feta. Sebelisa khoutu FIDELITY100. Tlhahiso ea nako e lekanyelitsoeng. Melao e sebetsa. |
KhothatsoE ikhethang! Moahi oa US o bula ak’haonte e ncha ea IBKR Pro ea motho ka mong kapa ak’haonte e kopanetsoeng e fumana phokotso ea 0.25% ho likalimo tsa marang-rang. Maemo a sebetsa. |
KhothatsoHo fihlela ho $600 ha o tsetela ho akhaonto e ncha ea Merrill Edge® Self-Directed. |
2. Litefiso tse tlaase
Lichelete tsohle tse kopanetsoeng le li-ETF li na le tefiso ea tsamaiso, e tsejoang e le tekanyo ea litšenyehelo tsa letlole. Ke peresente ea tekanyo ea kakaretso ea letlole la hau e huloang ka bo eona ho tsoa licheleteng tsa matsete a hau selemo se seng le se seng ho lefella litefiso tsa tsamaiso, meputso ea botsamaisi le litjeho tse ling tse holimo. Ho ea ka Vanguard, karolelano ea eona ea lichelete tsa lichelete le lichelete tsa ETF ke 0.07%, e leng e fokolang haholo ho feta tekanyo ea indasteri. Likarolo tsa litšenyehelo tsa Vanguard li tsebahala ka ho ba tlase ho feta karolelano ea indasteri bakeng sa mefuta eohle e meholo ea matsete a ho boloka mosebetsi. Litefiso tse tlase li bolela hore chelete e ngata ea hau e ntse e tseteloa ‘marakeng. Le hoja likaroloana tse seng kae tsa peresente li ka ‘na tsa se ke tsa bonahala e le phapang e ngata, e phaella ka mor’a nako:
| Vanguard karolelano ea litšenyehelo | Karolelano ea litšenyehelo tsa indasteri | Phapang ea tekanyo ea ak’haonte kamora lilemo tse 30 ka matsete a pele a $ 50,000 | |
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| Lichelete tse tsamaisoang ka mafolofolo | 0.18% | 0.62% | $32,067 |
| Chelete e laoloang feela | 0.06% | 0.12% | $3,970 |
| Chelete ea letsatsi le reriloeng | 0.11% | 0.34% | $17,579 |
Lintlha ke tsa hajoale ho tloha ka la 6 Mmesa, 2022. Kakaretso e tsoa Vanguard le Morningstar.
3. Lichelete tsa nako e telele tsa tlhōlisano
Mokhoa oa taolo ea litefiso tse tlase o nolofalelitse Vanguard lichelete tse kopanetsoeng ho feta lichelete tse ling tse tšoanang ka nako. Ha e le hantle, lilemong tse leshome tse fetileng, lichelete tsa Vanguard tse 223 ho tse 300 li ile tsa atleha ho feta lihlopha tsa lithaka tsa bona.
Mokhoa oa ho reka Vanguard mutual funds
1. Sheba moralo oa hau oa ho tlohela mosebetsi o tšehelitsoeng ke mohiri
Tsela e bonolo ka ho fetisisa ea ho reka lichelete tsa Vanguard ke ka 401 (k) kapa 403 (b) ea hau, haeba e le tse ling tsa likhetho tsa lichelete. Sena se u thusa ho qoba bonyane ba matsete a Vanguard. Empa, ka lebaka la litefello tsa moralo oa ho tlohela mosebetsi, litekanyetso tsa litšenyehelo li ka ‘na tsa e-ba tse phahameng ho feta tseo u ka li lefang haeba u reka chelete e tšoanang ka ho toba ka Vanguard kapa esita le morekisi e mong oa theolelo.
2. Tsetela ka akhaonte e nang le menyetla ea lekhetho
Haeba u sa khone ho fumana chelete ea Vanguard ka 401 (k), kapa haeba feela u batla ho fumana chelete e ngata ea Vanguard, u ka e reka ka IRA. Li-IRA ke li-account tsa motho ka mong tsa penshene tse fanang ka melemo ea lekhetho. U ka bula IRA ka kotloloho ka Vanguard kapa ka ho bula ak’haonte ea barekisi le mofani e mong. E ‘ngoe ea ho reka ka ho toba: Joaloka lifeme tse ling tsa lichelete tse nang le lichelete tsa thepa, tse kang Fidelity, T. Rowe Price le Charles Schwab, Vanguard ha e lefelle likomishene tsa khoebo ka lichelete tsa eona. Melemo ea ho reka ka morekisi e mong ke hore ba bangata ba na le lisebelisoa tse matla tsa ho tsetela le likomishene tse ntle mabapi le khoebo ea setoko ho feta linyehelo tsa Marang-rang tsa Vanguard.
2. Khetha lichelete tsa hau
Vanguard e na le chelete e ngata eo u ka khethang ho eona. Seo se akarelletsa ho khetha pakeng tsa tsamaiso e sebetsang le e sa sebetseng, ho khetholla mefuta ea lichelete tseo u li ratang (tse kang stock-focused vs. bond-focused), le ho bona hore na u kopana le bonyane ba Vanguard’s mutual fund. Vanguard’s mutual fund minimums (chelete e fokolang eo ue hlokang ho qala ho kenya chelete ka letlōleng) mokhoa o phahameng, kahoo haeba u batla ho qala ka chelete e fokolang, u ka ‘na ua batla ho hlahloba Vanguard’s ETFs kapa u shebe libakeng tse ling. Mona ke tse fokolang tsa Vanguard: Lichelete tse kopanetsoeng: $3,000 Chelete ea letsatsi le reriloeng: $1,000 Haeba ho etsa lipatlisiso ka lichelete tse kopanetsoeng ho haha photefolio e oela ka ntle ho sebaka sa hau sa matšeliso, khetho e theko e tlaase ke ho theha akhaonto ho robo-moeletsi ea khethang le ho laola matsete ho latela nako ea hau le mamello ea kotsi. Baeletsi ba bangata ba robo ba sebelisa chelete ea Vanguard le li-ETF li-portfolio tsa bona tsa mantlha. Pokello ea rona ea li-robo-advisors tse ntle ka ho fetisisa e hlalosa kamoo litšebeletso tsena li sebetsang kateng.
Vanguard mutual fund e ntle ka ho fetisisa ke efe?
Ho ipapisitse le. Chelete e ntle ka ho fetisisa ea Vanguard ke e le ‘ngoe (kapa tse’ maloa) e lumellanang le sepheo sa hau sa matsete le tekanyetso. Haeba u sa itokisetsa ho lahlela $3,000 bakeng sa letlole le tsamaisoang ka mafolofolo, letlole la index kapa ETF e ka ba lebelo la hau ho feta. Haeba u le haufi le ho tlohela mosebetsi, u ka ‘na ua batla ho nahana ka lichelete tse bolokang matsete a kotsi, a kang li-bond. Sesebelisoa sa Vanguard’s mutual fund screener se ka u thusa ho sefa chelete eo u e batlang. Lichelete tsa Vanguard index li ile tsa bula tsela e ncha ea ho aha leruo bakeng sa motseteli ea tloaelehileng.
Chelete ea index ea Vanguard ke eng?
Lichelete tsa index ea Vanguard ke mofuta oa letlole le kopaneng moo batseteli ba likete ba kopanyang chelete ea bona ho reka likarolo letloleng le etsisang index ea benchmark, joalo ka S&P 500 (ka hona lebitso “index fund”). Eo e ne e le mokhoa o fapaneng haholo oa matsete ha mothehi oa Vanguard John Bogle a theha letlole la pele la index le fumanehang phatlalatsa ka 1976. Ka nako eo, matsete a mahlahahlaha – moo batsamaisi ba lichelete ba lekang ho otla meputso ea ‘maraka – e neng e tšoaretsoe. Letlole la index le ne le batla ho ts’oana le ho phahama le ho oa ha mebaraka e pharalletseng, indasteri kapa metsamao ea lekala, mme la lumella Maamerika a letsatsi le letsatsi phihlello ea ho tsetela metšoasong. Mokhoa ona o bonolo – o tsejoang e le ho kenya chelete ka mokhoa o itekanetseng – o ipakile o na le phaello e ngata bakeng sa motseteli ea tloaelehileng ho feta ho kenya chelete ka mafolofolo ka mabaka a mabeli: Limmaraka li atisa ho phahama ha nako e ntse e ea, ‘me lichelete tsa lichelete li lefella litšenyehelo tse tlaase, tse lumellang batseteli ho boloka chelete ea bona e ngata’ marakeng. Ka lebaka leo, bo-ramatsete hona joale ba phallela licheleteng tse sa sebetseng. ‘Me bongata ba bo-ramatsete bao ba retelehela ho Vanguard, mothehi oa lefats’e oa 1 oa lichelete tse kopanetsoeng, ka thepa ea $ 8.1 trillion e tlas’a taolo ho tloha ka 2022. Phatlalatso
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| Lintlha tsa NerdWallet | Lintlha tsa NerdWallet | Lintlha tsa NerdWallet |
| Ithute haholoanyane | Ithute haholoanyane | Bala tlhahlobo |
Litefiso$0 khoebong ka ‘ngoe bakeng sa li-stock tsa US le li-ETF tsa marang-rang |
Litefiso$0 ka khoebo |
Litefiso$0 ka khoebo |
Bonyane ba akhaonto$0 |
Bonyane ba akhaonto$0 |
Bonyane ba akhaonto$0 |
KhothatsoFumana $100 ha o bula ak’haonte e ncha, e loketseng ea Fidelity ka $50 kapa ho feta. Sebelisa khoutu FIDELITY100. Tlhahiso ea nako e lekanyelitsoeng. Melao e sebetsa. |
KhothatsoHo fihlela ho $600 ha o tsetela ho akhaonto e ncha ea Merrill Edge® Self-Directed. |
KhothatsoFumana ho fihlela ho $600 kapa ho feta ha o bula le ho lefella akhaonto ea E *TRADE |
Lichelete tsa index ea Vanguard li sebetsa joang?
Vanguard e theha lichelete tsa index ka ho reka li-securities tse emelang lik’hamphani ho pholletsa le index eohle ea li-stock, kapa tse lebisitsoeng ho lihlopha tse itseng (mohlala, lekala la indasteri, lik’hamphani tse boholo bo tšoanang kapa lifeme karolong e le ‘ngoe ea lefats’e). Batseteli ka bomong ba reka likarolo tsa letlole le ba khahlang, ba tseka selae sa meputso ea sona.
“Vanguard e theha letlole la index ka ho reka li-securities tse emelang lik’hamphani ho pholletsa le index ea stock.”
Vanguard e boetse e fana ka lichelete tsa index tse bonts’ang limmaraka tsa bond, tse rekang le ho rekisa likoloto tsa mmuso le tsa khoebo, ‘me li nkuoa e le matsete a sireletsehileng empa ka meputso e menyenyane.
Na lichelete tsa index tsa Vanguard ke letsete le letle?
Matsete ohle a na le kotsi, ‘me lichelete tsa index tsa Vanguard le tsona li joalo. Empa Vanguard e na le nalane e telele ea ts’ebetso e matla – mme ho tsetela ka mokhoa o sa reroang ho lichelete tsa index ho tumme haholo hobane lichelete tse laoloang ka mafolofolo li hloleha ho feta ‘maraka ka linako tsohle. Ebile, Morningstar e fumane hore ke 26% feela ea lichelete tsohle tse sebetsang tse otlang karolelano ea balekane ba bona ba sa sebetseng lilemong tse leshome tse fetileng.
“Ho tsetela ho lichelete tsa index ho tumme haholo hobane lichelete tse laoloang ka mafolofolo li hloleha ho feta ‘maraka ka linako tsohle.”
Joalo ka lichelete tsohle tse kopanetsoeng, molemo o ka sehloohong oa lichelete tsa index ea Vanguard ke ho fapanyetsana hanghang, ho jala kotsi le ho fokotsa ts’ebetso ea ho feto-fetoha ha maemo, kaha mebaraka e pharaletseng ea mebaraka e se na mathata ho feta ho phahama le ho oa ha likarolo tsa k’hamphani e le ‘ngoe.
Ke bokae ho reka likarolo tsa letlole la index ea Vanguard?
Bahoebi ba lichelete ba etsa letsete la pele – hangata le ka bang $ 3,000 – ‘me ba lefa litšenyehelo tsa selemo le selemo ho boloka letlole, le tsejoang e le tekanyo ea litšenyehelo, ho itšetlehile ka karolo e nyenyane ea chelete ea hau e sebelisitsoeng letlōleng. Ho na le mefuta e ‘meli ea likarolo tsa letlole la Vanguard tse fumanehang ho batseteli ka bomong, mme ke efe eo u e khethang e tla lekanyetsa hore na u lefa bokae pele le hore na u tla lefa bokae ka litefiso tsa selemo le selemo:
Likabelo tsa Batseteli
- Matsete a fokolang: $3,000
- Lethathamo la karo-karolelano ea litšenyehelo: 0.09% ho isa ho 1.80%
Tlhokomeliso: Lichelete tse ngata tsa index ea Vanguard ha li sa fana ka phihlello ea Likabelo tsa Batseteli ho batseteli ba bacha.
Likabelo tsa Admiral
- Matsete a fokolang: $3,000
- Lethathamo la karo-karolelano ea litšenyehelo: 0.04% ho isa ho 0.45%
Tsela e ‘ngoe eo bo-ramatsete ba ka fumanang karolo ea letlole la index ke ka ho reka lichelete tsa Vanguard tsa phapanyetsano, tse se nang matsete a fokolang mme li ka rekoa le ho rekisoa letsatsi lohle joalo ka li-stock. Ho na le mefuta e fapaneng ea litheko tsa karolo ka ‘ngoe, ho latela ETF, ho fihla ho lidolara tse makholo a seng makae. Lichelete tsena li ka ba molemo bakeng sa bo-ramatsete ba ratang ho boloka mokhoa oa matsoho oa ho tsetela (le ho ba le nako ea ho boloka lifotefolio tsa bona, kaha u ke ke ua etsa litefello tse itekanetseng kapa ho ntša chelete ka Vanguard ETFs).
U reka likarolo tsa letlole la Vanguard Index joang?
Ntle le ho tsetela ka 401 (k) mofani oa hau, ho na le mekhoa e ‘meli ea ho reka likarolo tsa letlole la index: ka kotloloho ho tsoa Vanguard kapa ka ho bula ak’haonte ea barekisi. U tla hloka ho khetha mofuta oa akhaonto eo u ka ratang ho e bula, e kang ea setso kapa Roth IRA, kapa akhaonto e lefshoang. Qetellong, etsa qeto ea hore na u ka rata ho reka likarolo life tsa letlole la index ho latela hore na u tlameha ho tsetela bokae, le hore na u ka etsa theko ea khoeli le khoeli ea karolo e eketsehileng letloleng.
Lichelete tse ntle ka ho fetisisa tsa index ea Vanguard ke life?
Vanguard e na le lichelete tse ngata tsa index le li-ETF tseo u ka khethang ho tsona. Ke letlole lefe le leng molemo ho uena le ipapisitse le motsoako oa potefolio le seo u ka se khonang ho latela bonyane ba ak’haonte le litefiso. U ka boela ua sheba ts’ebetso ea nalane ea letlole – ka tlhokomeliso e tloaelehileng ea hore ts’ebetso ea nakong e fetileng ha e tiise liphetho tsa nako e tlang. Lichelete tse ling tse tsebahalang tsa index ea Vanguard li kenyelletsa:
Vanguard 500 Index Fund (VFIAX)
E tsejoang hape e le letlole la Vanguard S&P 500 Index, lena ke lona le li qalileng kaofela, la fa bo-ramatsete monyetla oa ho pepesehela lik’hamphani tse 500 tse kholo tsa US, tse etsang karolo ea 75% ea kakaretso ea boleng ba ‘maraka oa US. Matsete a fokolang: $3,000 Karolelano ea Litšenyehelo: 0.04%
Vanguard Total Stock Market Index Fund (VTSEX)
Likarolo tse tharo tsa ‘maraka oa setoko sa US ha lia lekana? Letlole lena le akaretsa ‘maraka oohle oa US equity, ho kenyeletsoa kholo ea lichelete tse nyane, tse mahareng le tse kholo le metšoasong ea boleng. Matsete a fokolang: $3,000 Karolelano ea Litšenyehelo: 0.04%
Vanguard Total Bond Market Index Fund (VBTX)
Letlole lena le fana ka tlhahiso e batsi ho li-bond tsa boemo ba matsete ba US, ho tsetela hoo e ka bang 30% ho libonto tsa khoebo le 70% ho libonto tsa mmuso oa US. Matsete a fokolang: $3,000 Karolelano ea Litšenyehelo: 0.05%
Vanguard Balanced Index Fund (VBIAX)
Joalo ka ha lebitso le bontša, letlole lena le kopanya matsete a lona lipakeng tsa li-stock (hoo e ka bang 60%) le li-bond (hoo e ka bang 40%) ho leka-lekanya kholo ka ho pepesehela lichelete tse nang le botsitso ka matsete a chelete e tsitsitseng. Matsete a fokolang: $3,000 Karolelano ea Litšenyehelo: 0.07%
Letlole la Vanguard Growth Index (VIGAX)
Letlole lena le na le mokhoa oa ho reka le ho ts’oara li-stock lik’hamphaning tse kholo tsa US makaleng a nang le monyetla o moholo oa kholo, joalo ka thekenoloji, lits’ebeletso tsa bareki le lits’ebeletso tsa lichelete. Matsete a fokolang: $3,000 Karolelano ea Litšenyehelo: 0.05%
Letlōle la Vanguard Small Cap Index (VSMAX)
Lik’hamphani tse kholo ha se tsona feela libapali tse nang le chelete e ngata ‘marakeng oa matsete. Letlole lena le shebane le lik’hamphani tse nyane tse tšoaretsoeng phatlalatsa, bakeng sa batseteli ba batlang ho fapanyetsana matsete hole le lik’hamphani tse kholo tsa sechaba. Matsete a fokolang: $3,000 Karolelano ea Litšenyehelo: 0.05%
Vanguard Total International Stock Index Fund (VTIAX)
Kakaretso ea ‘maraka oa US ha e lekane? Letlole lena le nka lefats’e, le latela li-index tsa li-stock mebarakeng e tsoetseng pele le e ntseng e hlaha lefatšeng ka bophara. Matsete a fokolang: $3,000 Karolelano ea Litšenyehelo: 0.11%
Vanguard Total International Bond Index Fund (VTABX)
Letlole lena le latela tšebetso ea libonto tsa boemo ba matsete tseo e seng tsa US ho tsoa ho likoporasi le mebuso mebarakeng e tsoetseng pele le e ntseng e hlaha. Matsete a fokolang: $3,000 Karolelano ea Litšenyehelo: 0.11% Lintlha tsa hajoale ho tloha ka la 8 Mmesa 2022.
Ho lokile, ho latela eng?
Haeba u se u itokiselitse ho reka lichelete tsa index tsa Vanguard, tlhahlobo ea rona ea Vanguard broker e ka u thusa ho etsa qeto ea hore na u ka reka ka kotloloho k’hamphaning kapa ka morekisi e mong (boholo ba bona ba rekisa lichelete tsa index ea Vanguard). O ntse o sa tiiseha? Bala haholoanyane ka ho tsetela ka lichelete tsa index. Ha ho mongoli kapa mohlophisi ea neng a e-na le maemo licheleteng tse boletsoeng ka holimo nakong ea phatlalatso.
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