Aya Vangaurd Funds Anogona Kubudirira Pamusoro-Avhareji Inodzokera Pasi Pakati Chengano
Nei Vanguard's Conservative Allocation Funds Yakakodzera
Chekuchengetedzwa kwekuchengetedzwa kwemari mutual funds inowanzobata nechetatu chezvibatanidza uye chetatu chematokari.
Ichi chikamu chinobvumira kuderera kwepakati pekutsvaga mari yakawanda nekukwanisa kuwanika pangozi yekutora nguva yakareba kukoshesa.
Pano mamwe ezvimwe zvikonzero zvikonzero vatengi vanotenga mari yekuchengetedza mari:
- Shandisa mari yekuchengetedza seyakakosha kubata : Paunenge uine chikwereti, nzvimbo yakakosha uye sataneti yakagadzikana. Sezvo zvinonzwika, mutengesi achasarudza imwechete yekubatisa, iyo inogamuchira hurukuro yepamusoro, uye dzakawanda dzepa satellite, izvo zvichawana zvishoma zvishoma zvikamu. Vashandi vakawanda vanoshandisa mari yekuenzanisira, yakadai seS & P 500 Index fund , asi vanoshandisawo mari inoshandiswa seyakakosha.
- Shandisa mari yakachengetedza yekutsvaga mari shoma : Iyo chaiyo yekuchengetedza kwekuchengetedza kwekuchengetedza kusachengetedza misika yemakero uye kuchengetedza kusagadzikana kusvika paunenge uchiri kubudirira pakudzoka kwepamusoro iyo inoramba iine inflation (kana ichirohwa nechepakati) pane nguva.
- Shandisa mari yekuchengetedza mari yakachengetedza : Mari yekuchengetedza mari inowanzova nehuwandu hwehuwandu, huwandu hwakasiyana-siyana hwezvikwata zvepamusoro, zvikwereti zvakabhadharwa uye zvikwereti zvakakwirira. Izvi zvinoita kuti pave nekubatana kwakasimba kwekubata-kubhadhara mari inobhadhara iyo inotoda pasina pangozi yakawanda yekurasikirwa mukuru mukati memakore avo endarama.
- Shandisa mari yakachengetedza yokutanga vatengesi : Vashandi vekutanga-nguva vangada kuwana sumo yekutsvaga mari muchigadziro chekuchengetedza kwematokisi, zvisungo, uye mari mune rimwe rehomwe. Nenzira iyo havazooni kuora kukuru panguva yemisika yebhebhe uye vanogona kuwana zvakasiyana -siyana mune imwe chete mutual fund pasina mari yakawanda yemari.
3 Best Vanguard Funds for Conservative Investors
Kana iwe uri mubhadhari achitarisa mamwe emhando dzakanakisisa mari , iwe unoda kuongorora imwe yeizvi Vanguard mari:
- Vanguard LifeStrategy Conservative Growth (VSCGX) : Imari yekugoverwa kwechikwama ichi inenge 40% yematokari uye 60% zvisungo. Izvi zvinobvumira kukura kwenguva pfupi asi kusingagumi pamusoro penguva refu, iyo inoita kuti ive yakanaka yekuchengetedza mari. VSCGX yakakwanisa kuenzanisa kudarika 4% annualized kudzoka kwenguva refu. Nhamba yebhadharo inodhura pa 0.15% uye zvishoma zvishoma kushandiswa kwekutsvaga $ 3,000.
- Vanguard Wellesley Inowanikwa (VWINX) : Ipapotikiti yacho inonyatsochengetedza neyakagoverwa inenge iri pakati pe 35% ne40% yematokari, inenge 60% yezvisungo, uye yakasara inenge 5% yemari. Nekuita kwekuita, Wellesley anorova zvinenge makumi mapfumbamwe zvemamwe emamwe emari ekuchengetedza mari yekutora 3-, 5- uye 10 yemakore anodzoka. Kune imwe yezvinhu zvakanakisisa zvinokuchengetedza mari iwe unogona kutenga, zvakaoma kurova mari yebhadharo inodhura ye 0.25%. Izvo zvishoma zvishoma kutanga kwekutsinhanisa ndeye $ 3,000.
- Vanguard Wellington (VWELX) : Asset allocation yeVWELX haisati yakanyatsochengeterwa VSCGX neVWINX asi kugoverwa kwayo kwemazana makumi mashanu nemazana matanhatu ematokari uye 35% zvisungo zvinogona kunge zvakakodzera kune vashandi vanochengetedza vanoda kutora ngozi yakawanda mukutsinhanisa nepamusoro nguva refu inodzoka. Kunyangwe zvazvo Wellington iri chikwata chekuchengetedza chikwereti chakapiwa, inoramba ichirova 100% mugove wezvokugovera munguva yakaoma yemusika pakati pemakore 2000 ne2015, apo chikwereti chaiva nechiyero chekudzoka kwe7,5%, zvichienzanisa ne4,5% yeS & P 500 Index . Kungofanana nedzimwe mari dzeVanguard, uchawana mari shoma (0.26%) yeWenington. Izvo zvishoma zvishoma kutanga kwekutsinhanisa ndeye $ 3,000.
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.