A List Index Index uye Nezvokudhura Kwemari
Mari inodhura ine mari inowanzotengwa . Sei? Nemhaka yokuti index mari yose inonyanya kuita chinhu chimwechete: Vanonyatsotevedzera purogiramu yekuenzanisa. Uye sezvo ivo zvichiita kuita chinangwa chimwe chete, hazvina musoro kuti vatenge mari inodhura mari.
Funga nezvokutenga zvokudya zvakakura sechingwa pachitoro. Kana uri kusarudza pakati pemitambo mitatu yakasiyana, uye ivo vose vane zvimwe zvakafanana zvakasanganiswa, tenga yakaderera!
Ndizvo zvakananga kufunga kwakafanana kana kutenga mutsara wemari: Vane zvimwe zvinokonzera. Saka nei uchibhadhara zvimwe zvinhu zvimwechetezvo apo iwe unogona kubhadhara zvishomanana?
Hazvina maturo kutenga chikwereti chemari nemari yekutengesa, iyo inogona kuuya nenzira yepamberi mutoro (kazhinji 5% kana kupfuura inobhadharwa mberi apo inotenga zvikamu) kana mutoro wekudzokera (wakabhadhara pakutengesa zvikamu. Unonzwisisa paunenge uchiwana mazano anokosha uye nyanzvi yepamusoro yekugadzirisa mazano uye nemari yekuenzanisa, uye nebasa rekuchikoro pamagumo ako, haunzwisisi mazano kana kushanda nesimba.
Nokudaro pasina kunze kwechipiri, pano apa 12 emadhora akawanda anodhura, akaenzana nemari yavo yakaenzana, yakaputsika muzvikamu zvitanhatu zvakasiyana:
Shanduro yakaderera S & P 500 Index Funds
S & P 500 index index chengetedza S & P 500 index, iyo inosanganisira inenge 500 US company yakakura stock, sezvinoyerwa nemari yemari .
Hezvino maviri emari inotengeswa mari yakawanda inotevera S & P 500:
- Schwab S & P 500 Index (SWPPX): Chiyero chekudhura chiri 0.09%, kana $ 9 ye $ 10 000 inotengeswa. Izvo zvishoma zvishoma kutanga kwekutsvaga kuri $ 100.
- Kuvimbika kweSpartan 500 Index (FUSEX): Chiyero chekudhura chiri 0.095%, kana kuti $ 9.50 ye $ 10 000 inotengeswa. Izvo zvishoma zvishoma kutanga kwekutsinhanisa ndeye $ 2,500.
Izvi zvinoshamisa zvikuru mari dzinoshandiswa, kunyanya kana dzienzaniswa nedzimwe sendima yehurumende inoshandiswa mari yekutengeserana , iyo inowanzodiwa kudarika mari gumi idzi, kazhinji kusvika pa150%.
Edzawo kuenzanisa aya kune yakakurumbira index index, Vanguard 500 Index (VFINX), iyo inokwana mari ye 0.16%.
Cheapestest Growth Large Stock Index Funds
Ikokukura kukurumbira mari inowanzoona Russell Russell Growth index, iyo Nasdaq Composite kana Nasdaq-100 . Idzi idzi dziri kuisa mari yakakura yekambani yeUnited States mashizha nemusika wemari. Nokudaro, nemari iyi, uchawana akawanda ematokari akafanana neaya S & P 500 index index asi aya anongova ekukura kwezvikwata, izvo zvinowanzova zvechisimba (kureva dambudziko risingaenzaniswi nedzimwe mitsotsi asi yakakwirira inogona kudzoka kwenguva refu ):
Hezvino zvinhu zviviri zvekutengesa mari shoma inotevedzana nehomwe huru yekukura kweStock index index:
- Vanguard Growth Index (VIGRX): Mari inodhura iri 0.22%, kana $ 22 ye $ 10 000 inotengeswa. Izvo zvishoma zvishoma kutanga kwekutsinhanisa ndeye $ 3,000.
- Kuvimbika NASDAQ Composite Index (FNCMX): Chiyero chezvinodhura chiri 0.29%, kana kuti $ 29 ye $ 10 000 inotengeswa. Izvo zvishoma zvishoma kutanga kwekutsinhanisa ndeye $ 2,500.
Zvose izvi zvikwereti zvakakosha, izvo zvinoreva kuti iwe unowana hupamhi hwepamusoro kune mari shoma.
Cheapest Great Large Value Stock Index Funds
Izvo hazvina zvakawanda zvekuchengetedzwa kwemari yemari iyo inotarisa kukosha kwezvikwata zvemashamba asi pane zvishoma zvinodhura uye kune zvishomanana zvakanaka uye zvisingabatsiri.
Kukoshesa mashizha kakawanda kune avo vanokosheswa pamusika uye naizvozvo vachitengesa pane zvisingabatsiri. Mari inowirirana iyo inobhadhara chikamu inowanzoonekwa seyo mari inokosha.
Kuyera mari yekodzero yemari inowanzofambisa Russell Russell Value Index kana S & P 500 Value index. Hezvino pane mbiri yepamusoro-soro inonyanya kukoshesa mari yekuenzanisa mari:
- Vanguard High Dividend Kuzadza Index (VHDYX): Chiyero chekutengesa chiri 0.16%, kana kuti $ 16 ye $ 10 000 inotengeswa, uye kushandiswa kwekutanga kwema $ 3,000.
- Vanguard Value Index (VIVAX): Mari inodhura iri 0.22%, kana $ 22 ye $ 10 000 inotengeswa, uye kushandiswa kwekutanga kwema $ 3,000.
Kukoshesa mari kunogona kuva yakanaka kune vashandi vanotarisira kutsvaga kwenguva refu kana kune vashandi vanotarisa mari yavanowana kubva kumari yavo.
Cheapest Mid-Cap Stock Index Funds
Sezvo nehombe-cap index index, vatengesi vanogona kuwana mukati-cap stock stock index mari iyo inocherechedza kukura kwechirongwa, nhamba yekodzero kana nhamba iyo inobatanidza miviri miviri.
Pano tinotarisa pakati pe-cap stock mutual funds iyo inotarisa indices, yakadai seS & P MidCap 400 index kana Russell Mid Cap Index , iyo inosanganisira mutsara wekukura nekukosha.
Hezvino zvinhu zviviri zvekutengesa mari inoshandiswa mari inotevedzana pakati pe-cap stock indices:
- North Mid Cap Index (NOMIX): Chiyero chekudhura chiri 0.15%, kana $ 15 ye $ 10 000 inotengeswa, uye zvishoma zvishoma kutanga kwekutsvaga kuri $ 2,500.
- Vanguard Mid Cap Index (VIMSX): Mari yebhadharo inokwana 0,20%, kana $ 20 ye $ 10 000 inotengeswa, uye kushandiswa kwekutanga kwema $ 3,000.
Mid-cap motokari inowanzoendesa hutengi hutengesi kune hukuru-hutokisi yematokari asi inowanzoita zviri nani munguva refu. Uye mid-caps inowanzova nematambudziko mashomanana ematengesi kunze kweaya maduku-mashopu asi anogona kuitawo saizvozvo. Nokudaro mid-caps inowira mu "nzvimbo inotapira" yekutsvaga mari iyo inogona kukodzera kune vashandi venguva refu vanoshuva kutora ngozi yakawanda yepamusoro inogona kudzoka.
Cheapest Small Small Cap Index Index Funds
Sezvatakaita nepakati pekapu index index, isu ticharatidza zviduku-cap stock index index iyo inotarisa imwe nhamba iyo inobatanidza zvose kukura uye kukoshesa maitiro. Aya mapepa emari achaona zvinyorwa zviduku-duku seRussell 2000 Index kana S & P SmallCap 600 index.
Hezvino zvinhu zviviri zvekutengeserana mari inoshandiswa pakutsvaga zvinyorwa zvitsamba zvinyorwa:
- Northern Small Cap Index (NSIDX): Chiyero chekubhadhara chiri 0.15%, kana $ 15 ye $ 10 000 inotengeswa, uye kushandiswa kwekutanga kwema $ 2,500.
- Scwhab Small Cap Index (SWSSX): Chikwereti chemari inokwana 0.17%, kana $ 17 ye $ 10 000 inotengeswa, uye zvishoma zvishoma kutanga kwema $ 100.
Zviduku-zvitsotsi zvinokonzera kukura kupfuura zvakakura-uye mid-cap-stocks asi zvinogona kutora kudzoka kwakakwirira munguva refu, kunyanya kana iwe unogona kuchengeta mari shoma.
Cheapest International Stock Index Funds
Inyika yose index index mari inowanzocherechedza index yeMSCI EAFE kana kuti MSCI ACWI nhamba, iyo yose inosanganisira mashizha emakambani kunze kweAmerica
Hezvino zvinhu zviviri zvekutengesa mari inoshandiswa kune imwe nyika inowanikwa kune dzimwe nyika:
- Vanguard Total International Stock Index (VGTSX): Chiyero chekubhadhara chiri 0.19%, kana $ 19 ye $ 10 000 inotengeswa, uye kushandiswa kwekutanga kwema $ 3,000.
- Schwab International Index Fund (SWISX): Chikamu chebhadharo chakaita 0.19%, kana $ 19 ye $ 10 000 inotengeswa, uye kushandiswa kwekutanga kwema $ 100.
Nzvimbo dzepasi rose index index ndiyo nzira yakanakisisa uye yakanakisisa yokutora iyo yose yemakemikari kunze kwemusika weUnited States. Imwe mahofisi ehurumende akasiyana-siyana inowanzobatanidza zvikwata zvepasi rose.
Cheapest Bond Index Funds
Kune marudzi akasiyana-siyana ehutano huripo mari asi yakanakisisa uye yakawanda ndeye iyo inotora iyo yose yeUnited bond market. Aya majeredzi mari anotarira Bharclays Capital Aggregate US Bond Index , iyo inosanganisira kupfuura 3000 zvisungo.
Hezvino mari inoshandiswa mari inoshandiswa kutevera BharCap Pakati:
- Vanguard Total Bond Index (VBMFX): Mari inodhura ine 0.16%, kana $ 16 ye $ 10 000 inotengeswa, uye kushandiswa kwekutanga kwema $ 3,000.
- Northern Bond Index (NOBOX): Chikamu chezvinodhura chiri 0.16%, kana kuti $ 16 ye $ 10 000 inotengeswa, uye kushandiswa kwekutanga kwema $ 2,500.
Kune varairi vemazana vazhinji, rimwe rinodhura rese bhizinesi rekarakiti yemakiti rakakosha kuisanganisira mune imwe nzvimbo yehupfumi yemari pamwe chete.
Nzira Yokutenga Nayo Dzakaderera Mukushambadzira Iko Indaneti Mari
Mamwe emakambani akakosha e-mutual mutual fund, akadai saVanguard Investments neFidelity Investments, anopa zvikamu zvekugoverana kwemari yekuenzanisa nemari yakaderedzwa mari shoma apo iwe unogona kuita huwandu hwokutanga huripo.
Semuenzaniso, sezvandakataura kare, Vanguard 500 Index (VFINX) mari haina kuita mutsara wezvinhu zvinodhura zvakadzama mari nokuti chikamu chairo chemari ye 0.16% chakanga chakakwirira kudarika mamwe mazita maviri.
Asi kana iwe uchikwanisa kusvika kune yekutanga yekutsvaga mari ye $ 10 000 nokuda kwekirasi yavo ye "Admiral" (ticker: VFIAX), iwe unotenga S & P 500 index index ine mari shoma ine chiyero chemari ye 0.05%.
Kuisa mari kune imwe yero mari yakaderera.
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.