Onai Best Vanguard Funds Kuti Uchengetedze Mutero Wakadzika, Uyewo Mari Yekudzivisa
Sei uchibhadhara mitero kupfuura zvaunoshaiwa? Kuti uwane huwandu hwehuwandu hwemari yekutengeserana mune imwe nhoroondo yekodha, pane zvinopfuura zvinangwa zvekutsvaga, nhoroondo yekushanda, uye mari yekuongorora.
Kana iwe uchiziva nzira yekuziva mari inobhadhara mari, iyo Vanguard inopa, iwe unogona kuwana zvakanakisisa kunze kwepodfolio yako kuburikidza nekuderedza mari yekubhadhara mari, pamwe chete nemitero yemitero.
Nenzira yekuti Vanguard Investments inopa imwe yepamusoro yepamusoro mari inoshandiswa mari inowanikwa pamusika. Asi tisati tatarisa mari yakanakisisa yeVanguard yemari inotengesa, ngatitarisei nzira yekuziva mari yakaipisisa yemabhadhareti ezvinyorwa uye chii chatinofanira kutarisa mumhando dzakanakisisa dzemari dzekatektaiti.
Mhando Dzaipfuura dzeMari dzeAkwereta Imitero
Kakawanda, munyika yekutsvaga mari, nzira yakanakisisa yekukunda munguva refu ndeyokurega kurasikirwa munguva pfupi. Uye nzira yakakurumidza yekurasikirwa mumabhuku ekubhadhara ndeyekuisa mari mune zvekubhadhara mari inowedzera yakawanda mumitero. Yeuka kuti imari inobata mubhadharo yemari yezvekwereti inowanzobhadhara pamusoro pekuwana mari uye kune chikwereti chawanikwa (zvikamu) . Saka kana iwe uchitengesa mari yekutengeswa pamutengo ( NAV ) yakakwirira kupfuura mutengo wautenga, iwe uchava nemari yaunowana iyo iwe uchabhadhara mutero.
Uyezve, chero ipi zvayo inowanikwa mubereko (zvikamu) zvakabhadharwa muzvikwereti mubhuku rekubhadhara mari inotererwa semari inowanikwa mari, sekunge kana iripo apo iri kugamuchira mubhadharo kubva kumushandi.
Kubudirira kudyara mumatarekiti ekutereta kunodawo kunzwisisa kwekuwana mari inoparadzirwa , iyo inoumbwa apo mutual fund mutengesi anotengesa chikamu chekuchengetedza mukati memari yekutengeserana uye anobva apfuura izvo zvikwereti (uye naizvozvo mitero) kune vagovana.
Tichifunga nezvehutano hwemari inokonzera zvakanyanya muhomwe huru yekugoverwa nemari inowanikwa, inonyanya mari yemari yekubatisa mubhadharo inotengesa inosanganisira mari yakachengetedzwa yakawanda nehuwandu hwehuwandu hwekutsvaga , mari inobhadhara pamusoro-inowanikwa zvikamu, uye marudzi akawanda bhandi mari .
Kune avo vashandi vanodikanwa kuti vawane mari kubva kune mari inobhadharwa munyaya dzezvekodha, kune nzira dzisingabhadhara mitero, dzakadai sekusarasikirwa kwekoteresi uye nzira yebhakede nzira, inogona kushandiswa.
Best Types of Funds Accounts Taxable
Iye zvino kuti iwe unoziva kuti ndeapi mhando yemari yekudzivisa mumatare ebhadhara, iwe unogona kuva nemafungiro akanaka pamusoro pekuti ndeipi mari yakanakisisa yekubata. Mienzaniso inosanganisira mari yekuenzanisa uye mari isingabhadharwi zvakawanda kana zvikamu zvakasiyana, zvakadai semari shoma yekuwedzera mari.
Kana uri kutsvaga mari yekuita mari-yakadai, sebhadha mari, unogona kufunga kutenga manyore ehurumende yemari , iyo isingabhadharisi mutero ku federal level uye zvichida kumamiriro ehurumende.
Paunotsvakurudza mari yakanakisisa yekutenga mabhadharekiti ekubhadhara, iwe unogonawo kutarisa chimwe chinhu chinonzi mubhadharo wemari, iyo inotsanangura kuti mari yakawanda yekudzorera inoderedzwa nemitero. Saka tarisa huwandu huri pasi-mutengo wehutengo paunotenga mutengo wemari wekatektaitikiti!
Best Vanguard Funds Account Accounts
Pasina mamwe ado, uye musina chairo, ngatitarisei yakanakisisa mari yeVanguard yekatektaitikiti:
- Vanguard Total Stock Market Index (VTSMX): Kana uri kutsvaga kubata kukuru kwezvinhu zvakanaka uye zvakasiyana-siyana, haugoni kuwana zviri nani kupfuura VTSMX. Kunyange zvazvo mari iyi isiri iyo inonyanya kubhadhara mutero muVanguard fund lineup, vatengesi vanogona kutarisira VTSMX kuti ibudise Vanguard 500 Index (VFINX) yebhadharo yakanaka-yakadzorerwa kudzoka. Izvi ndezvokuti VTSMX inosanganisira zviduku zviduku (VFINX haiti) uye izvi zvinowedzera kukurudzira kudzoka kwenguva refu uye kuderedza mitero yenguva pfupi kubva kune zvikamu. Nhamba yebhadharo yeVTSMX iri 0.16 muzana uye zvishoma zvishoma kutanga kwekutsvaga $ 3,000.
- Vanguard Mutero-Kutungamirirwa Capital Appreciation Fund (VTCLX): Vanguard inopa vatengesi mari yakawanda inotarisirwa pamwe chete uye iyo inopa huwandu hwekutsvaga kwezvikwata ndeye VTCLX. Iko mari inobhadhara mukatikati nepamusoro-soro yematokisi eU.S, achishandisa iyo yakasiyana-siyana-kuisa mari yekutsvaga iyo isingori chete inochengetedza mitero inoderedza asi inowedzerawo mari yayo yose. Nhamba yebhadharo yeVTMFX ndeye 0.11 muzana uye inoshandiswa kwekutsvaga kwekutsvaga $ 10 000.
- Vanguard Inotarirwa Imari Yakarongeka Chikwereti (VTMFX): Vashandi vanotarisa imwechete-gadziriro yekodha yekambani yavo yekubhadhara vakachenjera kuongorora VTMFX kuti vaite zvavanoda. Mari yechikwata ichi chinosvika makumi mashanu kubva muzana kubva pamakumi mashanu emadhora emadhora emadhora eAmerica, uye mamwe mazana 50 muzana anowanikwa mu federally-tax-free municipal bonds. Nhamba yebhadharo yeVTMFX ndeye 0.11 muzana uye inoshandiswa kwekutsvaga kwekutsvaga $ 10 000.
- Vanguard Mukati-Mutengo Wemitero-Kubhadhara Mari (VWITX): Ikozvinoita mari inobhadhara mari yezvisungo inogona kubhadhara mitero isingadiwi mukodha yakabhadhara asi mari yezvisungo seVWITX inogona kunge iri kuchenjera kune vashandi vanoita maakarenda. VWITX inotengeserana nepamusoro-soro yemasisita mabhandi, ayo ari mutero-asingabhadharwi ku federal level. Iko kusanganiswa kwehutano uye huwandu hwemitero hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hunoita kuti hurumende ive nehutano hwakanaka hwekugadzikana nekusiyana. Nhamba yebhadharo yeVWITX inokwana 0,20 muzana uye zvishoma zvishoma kutanga kwekutsvaga $ 3,000.
- Vanguard Tax-Exempt Bond Index (VTEBX): Vashandi vanotarisa zvakanakisisa bond index fund iyo inopa huwandu hwekusiyana-siyana uye huwandu hwekwanisi huchaita zvavanoona muVTEBX. Kuti rive nechinangwa chekusiyana-siyana uye kuderedza mitero, mari yacho inotengeswa muhutano hwemasimende yemasisita ehutano hwose (zvishoma-, mukati-kati, uye kwenguva refu zvisungo). Izvi zvinoita kuti VTEBX isarudzo yepamusoro yekusungirwa mari yevashandi venguva yakareba nekatekta maakaiti. Nhamba yebhadharo yeVTEBX inokwana 0,20 muzana uye huwandu hwekutsvaga kwekutanga huri $ 3,000.
Mamwe Mashoko Mashoma Pamusoro peVanguard Fund uye Mutero-Kubudirira
Nenzira yakawanda, mari yekuenzanisira inowedzera kubhadhara mutero kune mari inogadziriswa inoshandiswa nokuti inoratidza mari inenge isina kutarisirwa. Izvi zvinoreva kuti mari yekutsvaga mari isingatauri purogiramu yekuenzanisa, iyo inoshandura kune inowanikwa pasi shoma kana ichienzaniswa nemari yakachengetedzwa. Mutengesi ndeye apo kuchengetwa (mashizha uye / kana zvisungo) zvinotengwa uye zvinotengeswa mukati mepapotipoti. Iko kushandiswa kwakaderera kunobatanidzwa nemari inotsanangurwa zvinoreva kuti kune mari shoma shoma inowanikwa yakaenzaniswa nemari inoshandiswa zvakashandiswa, iyo inowanzova nehuwandu hwekuwedzera kupfuura kuenzanisa mari. Kana iwe uchida kuziva chikwata chekubhadhara kwegore negore, iwe unogona kutarisa chikamu chekubhadhara chikwereti .
Vashandi vanogonawo kuda kufunga Vanguard yekutsinhanisa-mari inoshandiswa ( ETFs ), iyo inowanzoita mari yekushambadzira inotevera index. Kufanana nehurukuro yemari inobatanidza mari, ETFs dzine nhepfenyuro yakaderera zvikuru, kazhinji iri pasi pe5 muzana, uye inowanzova nemari yakaderera zvikuru, inowanzopfuura 0.20 muzana, kunyanya iyo yeFTs inowanika kuVanguard.
Kungofanana nedzimwe sarudzo dzekutsvaga kwekutsvaga kwekutsvaga, kusarudza mari yakanakisisa yekutengeserana iwe iwe inofanira kutanga nechinangwa chako chekutsvaga mari uye kushushikana kwepakati. Kana uchinge waziva kuti ndeipi mari yakakodzera yezvinangwa zvako, kutsvaga mari yakanakisisa mari inogona kuitika kubva ipapo. Mukupfupisa, chii chinoita kuti iwe uye zvinangwa zvako zvekutsvaga zvive zvakakosha kudarika mutero-kubudirira pamwe chete nemari.
Kune zvakawanda pamusoro pekuchengetedza mari pamwe nekugadzirwa kwepodfolio, iva nechokwadi chekutarisa nyaya yedu pamusoro pezvaunofanira kuita usati wavaka purofigoreti yemari yemari .
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.