Vanguard Mutual Funds Iva Nezvimwe Zvizhinji zveVashandi Vatsva
Nenzira yekuti takaisa mutsara weVanguard mari iyo inogona kushanda zvakanaka kutanga vatengesi asiwo kune vakawanda vanoziva mazinga.
Iwe unogonawo kuva nemimwe mibvunzo: Ndingazviisa mune imwechete mutual fund here? Ndezvipi Vanguard mari inonyanya kukosha kune vashandi vane utsinye? Ndezvipi Vanguard index index inonyanya kukosha kune vanotanga?
Ne mibvunzo iyi (nezvimwe) mupfungwa, takaisa pamwe chete 10 yezvakanakisisa zveVanguard mari yezvimwe zviitiko zvekutsvaga:
Best Vanguard Funds kune Vatangesi: Kuisa muChikwata Chimwe Chete
Vakawanda vanotanga vatengesi havaoni nyeredzi yavo yekutanga nemari yakawanda yemari. Izvi ndezvekuti ivo vanofanira kuchengetedza zvinhu zviri nyore kana kuti havana mari kuti vasangane nechepakutanga kushandiswa kwekutsvaga mari (akawanda emari yeVanguard inowanikwa apa inoda $ 3,000 kuti itange kutenga kokutanga. kana zvishoma).
Zvinowanikwa nevashambadzi vese, kwete vekutanga, vanofanirwa kuchengeta mupfungwa ndeyekuti imwe mutual fund haisi nguva yakakwana yekuve yakasiyana. Asi izvi zvitatu mari yakaenzana kubva kuVanguard zvakasiyana zvakakwana kuisa mazai ako ose mune rimwe tswanda:
- Vanguard Wellesley Inowanikwa (VWINX): Mari iyi ine mari yekuchengetedza inenge yechitatu yezvikwata uye zviviri zvezvitatu zvisungo. Izvi zvinogadzirisa nzira ine ngozi shoma yekutanga kutengesa. Ramba uchifunga kuti njodzi yakaderera kazhinji inoreva kuderera kwepamusoro kwekudzoka kunoenzaniswa nemari yemari, inotakura zvikwereti zvepamisika. Nezvo zvakati, VWINX yave yakagadzirwa nepamusoro kana ichienzaniswa nedzimwe mari inoshandiswa. VWINX ine $ 3,000 zvishoma zvishoma kunotanga kutengwa kunoda.
- Vanguard Star Fund (VGSTX): Iri mari inopa mari yekuenzanisira inenge inenge yechitatu chematoro uye yechitatu yezvisungo. Izvi zvinokonzerwa nehuwandu hwekuchengetedza mari inochengetedza mari inofanirwa kune vashandi vakawanda vanotanga nekutarisana kwepakati pekutsungirira uye zvinangwa zvekutsvaga kwenguva refu. Chimwe chimiro chechikwama ichi ndechekuti inoda $ $ 1,000 zvishoma zvishoma kutenga kokutanga kuti upinde mairi.
- Vanguard Target Retirement 2050 (VFIFX): Vanguard ine zvikwereti zvakasiyana zvakasiyana zvekubhadhara mari kusarudza kubva asi iyo inogona kushanda semuenzaniso wakanaka. Kana uine makore anenge makumi matatu nemakumi matatu uye wakaronga kuti uende kumakore makumi matanhatu nemashanu, iwe unenge uine kusvika kumakore ekuma2050 kuti uwane mari yekurega basa. Nokudaro iwe unogona kuisa mari yako yose muchikwata chekusiya basa 2050 mari uye usashandise chero imwe mari. Sei? Nokuti chinangwa chekubhadhara mari mari inoshandiswa nenzira inofanirwa yenguva inotengeswa. Mumashoko akasiyana, makore akawanda kusvikira gore rinotora basa rekurega basa, rakasimudzirwa kugoverwa mumatokari uye apo gore rinotarisana rinoswedera pedyo, kugoverwa kunowedzera zvishoma nezvishoma kushandiswa kwezvisungo. Nenzira yakanaka, iyi yehomwe inongova ne $ 1000 zvishoma zvishoma kutenga kokutanga.
Best Vanguard Funds kune Vakatanga: Index Funds
Vanguard ine mazita akawanda ehurukuro mari yekusarudza kubva pakadzikisa kusvika kune vashomanana zvingava dambudziko.
Pano tinosimbisa zvikamu zvishanu zvepamusoro zveVanguard index mari yekutanga vatengesi:
- Vanguard Balanced Index (VBINX): Kufanana neVanguard Star fund inotaurwa pamusoro apa, mari iyi inogoverwa zvishoma nechetatu pamatokari uye chetatu chezvisungo. Izvi zvinokonzerwa nehuwandu hwekuchengetedza mari inochengetedza mari inofanirwa kune vashandi vakawanda vanotanga nekutarisana kwepakati pekutsungirira uye zvinangwa zvekutsvaga kwenguva refu. Uye nokuti inobatanidza zvikwereti uye zvikwereti, zvakafanana nokuve nemari mbiri yeVanguard mune imwe. VBINX ine $ 3,000 zvishoma kushandiswa kokutanga.
- Vanguard 500 Index (VFINX): Iyi ndiyo yekutanga yekodzero yemari uye ndiyo imwe yenzira dzakaderera, dzakawanda dzekuwana rutivi rwechikamu chikuru chemashamba emabhizi eUnited States mune imwe chete mutual fund. Zvisinei, kusiyana nemari yakarongeka yakatotaurwa munyaya ino, VFINX inopa 100% yehomwe yekwigodhi kuhomwe. Kunyange zvazvo kuisa mari mune mazana mashanu kana kupfuura emakambani makuru muUnited States inopa huwandu hwezvinhu zvakasiyana-siyana, huwandu hwe 100% huripo hwematokari hunoita kuti mari iyi iwedzere pangozi, apo vashandi vasina imwe mimwe mari yekuenzanisa dambudziko. Nokudaro, VFINX inoshandiswa mari yakajeka yekushandisa senheyo yepodfolio, iyo ichiti iwe unoronga kuwedzerwa mamwe mari kune uyu mune rako rekutsvaga mari yemari. VFINX ine $ 3,000 zvishoma kushandiswa kokutanga.
- Vanguard Total Stock Market Index ( VTSMX ): Mari iyi ndiyo inonyanya kubhadhara mari pasi rose nekuda kwechikonzero chekutanga chekutanga: Inopa vashandi kutengesa yose yeAmerica yemari pamatengo akadhura. Iyi mari yakafanana neVanguard 500 Index asi panzvimbo yekutsvaga kusvika kune mazana mashanu emakwenzi makuru eUnited States, unowanikwa mune zviduku zvinopfuura 3 000, izvo zvinosanganisira zviduku-uye mid-cap-stocks. VTSMX ine $ 3,000 zvishoma kushandiswa kokutanga.
- Vanguard Total Bond Market Index (VBMFX): Mari iyi inofanana neVTSMX kunze kwekuti iwe uwane iyo yose yeAmerica yemusika mune imwe mari yehurumende, neVBMFX iwe unowana iyo yose yeUnited bond market mune imwe mari. Saka kana iwe wakagadzirira kuwedzera nzvimbo yako yepamusoro uye kuenzanisa dambudziko nemari shoma, divified bond index fund, VBMFX ndiyo mari yako. VBMFX ine $ 3,000 zvishoma kushandiswa kokutanga.
- Vanguard Total International Market Market Index (VGTSX): Panguva ino uri kubata kune "misika yose" pfungwa. Iri mari inopa kugoverwa kwematokari kumativi ose enyika, kunze kweUnited States. Saka kana wakagadzirira kuparadzanisa chikamu chako chekuwedzera nekuwedzera kwekutsvaga kwemaoko, unogona kuzviita neVGTSX. Iko mari iyi inewo $ 3,000 zvishoma zvishoma kutenga kokutanga.
Best Vanguard Funds kune Vatsva: Small-Cap Stock uye Sector Fund
Kana uchinge wavaka purofiti yako yakakomberedzwa nheyo dzezvikwata zvemahombekombe makuru eU.S., mashizha emarudzi ose, uye zvisungo, unogona kuwedzera kuwedzera mari yakawanda, yakadai semari shoma, uye pamwe nemamwe mashoma emari mari kune mamwe Kusiyana uye kukwanisa kwekudzoka kwakakwirira. Heano zvitatu zvichasangana nezvinodiwa:
- Vanguard Explorer (VEXPX): Iri mari inopa mari inosvika mazana matanhatu ematokari mashomanana, ayo anonzi anowedzera kupisa kupfuura mahombekiti makuru. Asi hutsinye (kureva hukama hwehutano hwepamusoro) hunogona kushandura mukudzoka kwakakwirira munguva yakareba uye kujekesa kune mazana ematokari akasiyana kunogona kuderedza njodzi kana zvichienzaniswa nezvimwe zvakanyanya zvakanyanya-cap cap stock funds. Iri mari inoda mari ye $ 3,000 kudhura.
- Vanguard Health Care (VGHCX): Iri mari inobhadhara zvizere muhutano hwehutano , hunosanganisira makambani emishonga, makambani ekupa mishonga, uye makambani ekutsvakurudza. Vongai nekufambira mberi kweterevhizheni uye vanhu vakwegura, VGHCX yakange iri yepamusoro-chekuita mari kwemakore anopfuura 25. Zvisinei, ramba uchifunga mupfungwa dzako kuti inotengeswa mune imwe nzvimbo yezvemabhizimisi inogona kuva nengozi. Saka ivai nechokwadi chokuti musingatauri kunze kwe5% yepodfolio yako mune imwe nzira. Iri mari inoda mari ye $ 3,000 kudhura.
- Vanguard Consumer Staples (VCSAX): Iri mari inobhadhara zvachose mumutengo wevatengi. Kungofanana nehutano hwehutano, vatengi vezvokudya kana vatengi vasiri masikisi ematokari vanoonekwa sehomwe dzinodzivirirwa nokuti vanogona kuita zviri nani pane mamwe mashizha panguva huru yekugadziriswa kwemusika. Semuenzaniso, vatengi vachiri kutenga zvokudya, zvakadai sekudya nemishonga, munguva yekudzoka kwezvemari. Saka kutenga mabhizimusi kunogona kudzivisa kukanganisa kukuru munguva yekutengesera kwebhebhe recession. Iri mari inoda $ 10 000 zvishoma kudyara.
Kana ukangoshandura kubva kune wekutanga mutengesi kune mumwe ane ruzivo, unogona kukwanisa kushandisa mamiriyoni epamusoro apa Vanguard mari pamwe chete muhomwe yako. Kuti uone kuti ungaita sei izvi, iva nechokwadi chekutarisa ndima yangu, Kuvakwa Kwakaita Chikamu cheMutual Funds .
Zvinonzwisisika: Mashoko ari pawebsite ino anopa mazano ekukurukurirana chete, uye haafaniri kushandiswa zvisina kunaka sekutsvaga mazano. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.