10 Best Vanguard Funds Kubata Nguva Yakare

Top Funds kubva kuVanguard kutenga uye Kubata

Vanguard mari inofananidzwa nekutenga uye kubata kudyara nekuda kwesarudzo yavo yakakwirira yepamusoro-soro, mari inodhura mari pamwe chete ne ETFs. Unhu hunoita kuti Vanguard mari isarudze kusarudzwa kwevatengi venguva refu.

Zvichida kushayikwa chete kweVanguard mari ndeyekuti pane mari zhinji yekusarudza kubva; saka iwe unoda kupedza nguva uchiita tsvakurudzo kuti uwane zvakanakisisa Vanguard mari yekutenga iwe pachako iwe unoda mari.

Nenzira yakanaka, takaita basa rechikoro kwamuri uye isu takaderedza kusarudzwa kwemari yeVanguard kusvika kune gumi yemari yakanakisisa yekuchengeta kwenguva refu.

Nzira Yokuziva Nayo Kana Uri Muridzi Wenguva refu

Usati watenga mari yeVanguard kwenguva yakareba, unofanirwa kuva nechokwadi kuti uri muchengeti wenguva refu. Kana iwe uchitaura nevanogadziridza mari vane gumi kana vatariri vekutsvaga kwekutsvaga, iwe unogona kuwana tsanangudzo gumi dzakasiyana pamusoro pezvinorehwa kwenguva refu.

Kazhinji, vauri vemazano vakawanda vanobvumirana kuti vatengesi vane makore gumi kana kupfuura vasati vava kuda kutanga kutanga kugadzirisa kubva kumabhengi avo emari vanogona kurondedzerwa sevashandi venguva refu. Izvi zvinowanzovawo chokwadi chekuchengetedzwa kwezvisungo (kureva kushevedza kwenguva refu uye mari yenguva refu yezvisungo). Saka, kana uri kuchengetedza mari yezororo gore rakatevera, iwe hausi mubhadhari wekugara kwenguva refu uye unofanira kutarisa mari yakakosha kwekutsvaga nguva shoma .

Chikanganiso chinowanzoitwa nekutsinhanisa kwenguva yakareba ndeye apo vashandi vekurasikirwa vachizviona sevanotsvaga vatengesi venguva pfupi.

Kunyangwe zvazvo vangave vachiita kuti vadzokere kubhadhara mari yavo yekusarura, tarisiro yeupenyu hwavo inogona kuva nyore kupfuura makore gumi mukurasira. Somuenzaniso, chiyero chekugara kweupenyu muUnited States inenge makore 78. Kana ukasimuka pa65, iwe unenge uine makore gumi nematanhatu kuti uite mari. Zvichienderana nezvinotora mari yako uye mari yako yose yezvemari, iwe uchada kutenga mari yako chikamu chikamu chemari yako yekusasiya muzvikwereti zvemazuva mazhinji, zvakadai sezvikwama zvekugadzirisa mari.

Mari Yakanakisisa Ikushandiswa Kwekutsvaga Kwenguva refu

Imari yakaisvonaka yekushambadzira kwenguva yakareba kune varairi vemazana inowanzochengeterwa mari yekutengeserana mari, kunyanya mari yekuenzanisa. Ndinoudza shamwari dzangu, mhuri, vadzidzi, vaverengi, vatengi uye vanotarisira vatengi kuti havafaniri kuisa mari muzvikwama zvemari pamwe chete kunze kwekuti vane makore matatu asati aenda.

Nhepfenyuro yemari yakasarudzawo kusarudzo dzakanaka kwenguva refu. Vanguard's index mari ndeimwe yevanhu vanozivikanwa zvikuru kune vashandi venguva refu uye vakwezva mari yakawanda yevatengesi vemari iyo Vanguard Investments ndiyo yekambani yakawanda mutual fund inyika.

Nei chirongwa cheVanguard chekuita sarudzo dzakanaka dzekutsvaga kwemazuva akawanda? Sezvo nhepfenyuro yemari isingakwanisi kunyatsogadziriswa , mari yavo inodhura inopera kupfuura mari inogadziriswa . Uye sezvo mari inoshandiswa mari yekuenzanisa mari yakaderera, yakapiwa nguva refu yekushanda. Izvi ndezvokuti vazhinji vemaimari masimari emari yakashanda havakwanisi kutema mahombekiti makuru emakero kwenguva yakareba kupfuura makore gumi. Saka, panzvimbo yekuedza "kurova pamusika," izvo zvakaoma kuita nguva dzose pamusoro penguva yakareba, iwe unogonawo kuisa mumusika nemari yakaderera. Ichi ndicho chinonyanya kukosha mari.

10 Best Vanguard Funds Kubhadhara Kwenguva refu

Iye zvino zvaunoziva kuti iwe murima wekugara kwenguva yakareba (kana kwete) uye unoziva kuti zvipi zvekubhadhara zvakakosha kwenguva refu yekutsvaga mari, heyi ndiyo gumi yakanakisisa yeVanguard mari yekutenga uye kubata kwenguva refu ):

1. Vanguard Total Stock Market Index (VTSMX): Vanguard yaVTSMX ndiyo inonyanya kubhadhara mari pasi rose nekuda kwezvikonzero zviviri zvinokosha: Ndeyezvikwata zvakasiyana-siyana zvekutsvaga mari uye zvinodhura zvakanyanya. Ipapaiti yacho inopa kubudiswa kumusika wose weAmerican market, iyo inosanganisira zviduku-, mid-, uye-cap-stock-stocks. Izvi zvinosanganisira zvikwereti zvinopfuura 3 500. Imari inongodarika 0.15 kubva muzana, kana $ 15 ye $ 10 000 inotengeswa, uye kushandiswa kwekutanga kushandiswa kwema $ 3,000.
2. Vanguard 500 Index (VFINX): Iyi index index inotarisa S & P 500 index, zvinoreva kuti inosvika mazana mashanu emadhora makuru eUnited States. Saka, VFINX vagovhenekeri vachabva vawana mazamu akafanana neApple (AAPL), Facebook (FB), Amazon (AMZN), uye Alphabet (GOOG, GOOGL), kambani yevabereki veGoogle. VFINX isarudzo yakanaka kune varairidzi vanoda kuvaka podfolio yavo iyo inosanganisira mamwe mari yemari, yakadai sediki, uye mid-cap cap funds. Nhamba yebhadharo yeVFINX iri 0.15 muzana uye zvishoma zvishoma kutanga kwekutsvaga $ 3,000.

1. Vanguard Total Bond Market Index (VBMFX): Kunyange zvazvo kudyara kwemazuva akawanda kunowanzobatanidzwa nematokari, varimi vakawanda vachada kuva nechikamu chezvikwereti zvavo zvakasungwa muzvisungo uye VBMFX isarudzo dzakanaka nokuda kwechikonzero chakafanana nechomwe mari yakawanda yemari: iyo dzakanaka-dzakasiyana-siyana, inodhura mari. IVBMFX inowanikwa neBloomberg Barclays Yakawandisa US Bond Index , iyo inosanganisira zvinodarika 8,000 zveUnited States. Nhamba yebhadharo yeVBMFX iri 0.15 muzana uye inoshandiswa kwekutsvaga kwekutanga ndiyo $ 3,000.
2. Vanguard Total International Market Market Index (VGTSX): Kuvaka muzinda wekutsvaga kwemazuva akawanda, varimi vakawanda vanozobatanidza mari yepasi rose yemari uye VGTSX ndeimwe yepamusoro yeVanguard mari yekuita izvi. VGTSX inotarisa rondedzero inosanganisira dzinopfuura 6,000 zvisiri zveAmerica uye dzinosanganisira misika mbiri dzakagadzirwa (kureva Europe neJapan) uye misika yakabuda (kureva China, India neBrazil). Saka, nokuda kwechikamu chebhadharo chakaderera che 0.18 muzana chete, vashandi vanogona kuwana ruzivo rwemisika yose yekunze kunze kweUnited States.
3. Vanguard Growth Index (VIGRX): Vashandi vanozvipira kutora mungozi yakawanda yekana yekuwana mari yakakwirira kudarika maruva makuru emisika, saS & P 500, anogona kutarisa VIGRX. Iri rondedzero inochengetedza zvikwereti zvakakura zvekutsvaira, izvo zvakagara zvichinyanya kuchinja S & P 500, kunyanya kwenguva dze makore gumi kana kupfuura. Mari inoshandiswa kuVIGRX inenge 0.18 muzana uye zvishoma zvishoma kutanga kwekutsvaga kuri $ 3,000.
4. Vanguard Balanced Index (VBINX): Vanguard ine sarudzo shomanana asi yakajeka yemari yakarongeka , iyo inobatanidza mari kana kuti ETFs inoshandisa mubatanidzwa wematokisi uye zvisungo. VBINX ine inokwana (midzi yakawanda) inogoverwa inenge 60 muzana mashizha uye 40 muzana zvisungo. Iko nhengo inotengeswa inotengeswa mumutengo wekuchengetwa kwenyika uye chikamu chinoshandisa mari inoshandisa mubatanidzwa wehurumende. Mari inoshandiswa iri 0.19 kubva muzana uye huwandu hwekutsvaga kwekutanga huri $ 3,000.
5. Vanguard Wellesley Inowanikwa (VWINX): Imwe mari yakakosha kubva kuVanguard, VWINX inobata chikamu chekuchengetedza (pangozi shoma) inenge inenge 40 muzana mashomanana uye 60 muzana dzisungo. VWINX inogona kuva yakakodzera kune vashandi venguva refu vanove nekushushikana kwepakati pfupi kune njodzi kana mubhadhadzi wekutsvaga mubhadharo vachitsvaga kusanganiswa kwekuwana nekukura. Mariro yeVWINX (0.22 muzana) yakanyanya kuderera kuitira mari inogadziriswa. Izvo zvishoma zvishoma kutanga kwekutsinhanisa ndeye $ 3,000.
6. Vanguard STAR (VGSTX): Panguva ino wakacherechedza kuti muyero. Iwe unogona kunge wakacherechedza kuti vane zvigadziri zve $ 3,000 kuti vatange kutengesa. Zvisinei, VGSTX ine zvishoma zvishoma zve $ 1 000. Izvowo ndizvo zvinozivikanwa se "mari yemari," izvo zvinoreva kuti inoshandisa mune imwe mari inobatanidza mari, yose iri mune imwe sarudzo. Sangano re STAR rinosvitsa musanganiswa wakasiyana-siyana wemari 11 yeVanguard, zvichiita kuti zvive zvakasimba zvakasarudzwa zvekutanga vatengesi kana avo vanoda mari imwe chete yekugadzirisa mari.
7. Vanguard Mid-Cap Index (VIMSX): Small-and mid-cap stocks vakagadzirisa zvikwereti zvakakura mumakore ekupedzisira asi pakati pemakumbo mashomanana vanogona kuva sarudzo dzakachenjera dzevatatu. Mid-cap fund semari yeVanguard yaVIMSX yakarova zvose zvinyorwa zvitsva uye nhovo huru yemari yekudzoka kwemazuva mazhinji, kunyanya makore gumi nemakore gumi nemashanu anodzoka. Kunyange zvazvo pakati pemakumbo ematokari kazhinji ane mikana yakakura pamusika kupfuura mahombekombe makuru, ivo kazhinji vane ngozi shoma pane zviduku zviduku. Saka, mid-caps inowanzoonekwa se "nzvimbo inotapira" yekutsvaga mari nekuda kwekudzoka kwavo kune hutano. VIMSX ine mari shoma inodhura ye 0.18 muzana uye zvishoma zvishoma kutanga kwekutsvaga kuri $ 3,000.
8. Vanguard Target Retirement Funds : Kune zvakawanda zveVanguard Target Retirement Funds kusarudza kubva kune vamwe varairi vese vakachenjera kufunga nezvekutsvaga kwekutsvaga mari. Sezvinoratidzwa nezita racho, chinangwa chekubhadhara mari chinoshandiswa kuisa mari nenzira yakakodzera gore rinotora basa rekushandira mari yakananga kune mari. Semuenzaniso, Vanguard Target Retirement 2040 (VFORX) ine mugove wezvakabatanidzwa zvinosvika 85 kubva muzana mashomanana uye 15 muzana zvisungo, izvo zvakakodzera kuti mutengesi anorega kuswedera pedyo negore ra2040. Vanguard's Target Retirement Funds yakakodzera kune vashandi vanoda kutenga uye kubata imwe mutual fund uye ichibatisisa kusvikira kusara. Vamwe vanopa mazano nevarongwa vanoshevedza mari iyi "itai uye iyikanganwe" mari nokuti mutengesi haafaniri kuvaka podfolio yemari kana kutarisira chikwereti.

Iko Balance haisi kupa mutero, utsvaga, kana mari yemari uye mazano. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kushivirira kune ngozi, kana mamiriro emari yemumwe mutengesi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru.