Kuchengeta Zvinodhura Pasi
Ichi ndicho chirevo chekutsvaga mari yekutsvaga mari iyo inowanikwa vakawanda vanoziva kuti inokosha pakubudisa yakanakisisa index index.
Chaizvoizvo, nhepfenyuro yemari nemari yakaderera mari yakawanda inounza zvakanakisisa kudzoka kwenguva. Izvi zvinoshandiswawo kushandisa mari yekuenzanisira kusingapesana nemari yakachengetedzwa .
Semuenzaniso, kana chikwereti chemari chinosvika muhomwe yezvikwereti zve-0.12 asi mari yakafanana inogadzirirwa- ine mari yakabhadharwa ine chikwereti chemari ye112, chikamu chemari chinowanikwa nokukurumidza 1.00% inoshandiswa pamusoro pemari yakachengetedzwa inoshandiswa. Nemhaka yekuti index yemari haigoni kunyatsogadziriswa (iyo inongobatanidza kubata kwehurukuro yakapiwa), mari yekutarisira chikwereti ichideredzwa zvikuru. Sezvo pasina tsvakurudzo chaiyo inodaidzwa, mari inogona kuchengetedzwa zvakanyanya, iyo inobatsira pakudzoka kwenguva.
Tight Index Tracking
Iye zvino tava kupinda mune sayenzi yekunyora. Vashandi vekutsvaga mari vanoisa pamwe nhamba (dzakasiyana-siyana mazita ematokisi kana zvisungo) kuita zviratidzo zvechinangwa chekuyera zvikamu zvakakura zvemusika. Mazita anozivikanwa zvikuru ndeaya Dow Jones Industrial Average, S & P 500 uye NASDAQ .
Index yemari inoda kuratidzira kushanda kweimwe nhamba yekuenzanisa. Semuenzaniso, vazhinji-guru-cap stock stock vanoedza kurova mukana wepamusoro-soro wezvitsuwa zvakakura, S & P 500.
Zvisinei, chinangwa cheS & P 500 Index fund hachisi "kutema index" asi kuenzanisa, izvo zvinoreva kuti mari ichaedza kudzokorora kushanda kwekanyorwa.
Kuti uite izvi, shandisa zviri nyore, mari yacho inobata matanda akafanana akawanikwa mukati meS & P 500. Saka, mari yakanakisisa yekuenzanisa mari ichaita basa rakanaka rekufananidza nhamba yematokisi (holdings) anomiririrwa muenzanisi yekuenzanisa. Vatsvakurudzi veghuku vanogona kudana iyi "kupera kwekutadza kukanganisa."
Kushandisa Nzira Yakanaka Yokusimudza
Pane zvakawanda zvekugadzira chikamu chemari kunze kwekungotenga zvivimbiso zvinomiririrwa muhotera. Kugadzira chikwereti chekuchengetedza, uye kugadzirisa kushanda kwekuita zvakanaka, boka rekutungamirira nevatsigiri vese vanozoona kuti (nhamba yezvikamu) zvekubatisa kwega rega pakurongwa kunotenga.
Mhedziso ndeyekufananidza nehuwandu hwe "kuwedzera" kwehuwandu pachahwo. Nhamba dzinotarisa mabhizimisi kuitira kuti zvikamu zvakakura zvipiwe huwandu huwandu hwezviyero zvezviyo zvinonzi capitalization-inorema indekisi (aka cap-inorehwa kana kuti yekaseti yekodhi yakaiswa nhamba).
I S & P 500 muenzaniso we cap-inorema index. Nyaya dzakawanda dzemari dzichaisa chikwata chakakosha-chengetedza nokutenga zvikamu zvekuchengetedza kuitira kuti mashizha ane ehomwe yepamusoro yakawanda iyo inobata mazana nehuwandu huwandu mune chikwereti chekwereti. Semuenzaniso, kana XYZ Corporation inenge iine hurukuro yemaketeni makuru, XYZ Corporation stock icharatidza huwandu hwehuwandu hwehuwandu hwemari.
Sizing Things Up
Munyika inotarisa, ukuru hunogona kukosha. Makambani makuru makuru ehurumende, akadai saVanguard, Fidelity, naCharles Schwab vane nhamba zhinji dzevatengesi saka saka vane zvinhu zvekugadzirisa zvakakwana mari iyi (kureva kutenga zvigaro zvekuchengetedza, kupa ruzivo rwekugadzirisa zvinoda mari yekushambadzira). Nokuenzanisa, nhepfenyuro yehurukuro ine uwandu huwandu hwemari inogona kuwana kuoma pakuchengetedza chikwereti chepamusoro zvakakosha kusvika kune index.
Top 3 Nhamba yepamusoro yeS & P 500 Index Fund
Iye zvino zvaunoziva zvinotora kuti uite yakanakisisa index index, iwe zvino unogona kuenderera mberi kusarudza yakanakisisa S & P 500 Index Fund. Ndine chokwadi chokuti iwe unobvumirana nemitatu yedu yepamusoro S & P 500 Index Fund selections:
- Vanguard 500 Index (VFINX) : Vanguard yakavakwa pamusoro pekunyoresa uye ndiyo yakasikwa munyika yenhoroondo yemari. Makore anopfuura makumi matatu akapfuura, muvambi weVanguard, John Bogle, akacherechedza kuti vazhinji vevatengesi vemabhizimisi vakanga vasingakwanisi kuparadzanisa S & P 500 Index nguva dzose pamusoro penguva refu. Pfungwa yake yaingova kungofananidza kubata kweyo index uye kuchengeta mari shoma. Kunyoresa uye kushamwaridzana ndezvimwe zvemashoko makuru ekubudirira kwekutsvaga uye Vanguard vane maitiro akanaka. Vanguard inowanikwawo nevashambadziri varo, iyo inonyanya kukoshesa pakupa mari yakakwirira, yakadhura mari pamwe chete neEFs, zvisingapesani netsika yemari yakawanda inowanikwa mune dzimwe nzvimbo dzezvemari.
- Kuvimbika kweSpartan 500 Index (FUSEX): Ukuru hwekuvimbika , ruzivo nekunyoresa uye kuda kurwisana neVanguard pamwe nekuita kuti index yavo yezvikwereti ive yechipiri kune Vanguard chete. Kazhinji purojeti mari iri pakati pevanopikisa zvikuru iyo haishamisiki maererano nemitengo uye kushanda. Pakupedzisira, mukwikwidzi unoita mari yakakwirira yemudzimai.
- Schwab S & P 500 Index (SWPPX): Charles Schwab akashanda nesimba kuti apiwe zvinopfuura kungoita rubatsiro rwekubhadhara mari kune vatyairi: Vakanyura zvakadzama muhomwe yemari mari yeVanguard uye Fidelity. Nhamba yavo yemari inowanzova yakakosha muhomwe yezvinodarika kupfuura ivo vakakwikwidza zvikuru asi kana iwe uchitova mutengesi weSchrab, iwe unogonawo kuchengetedza mari yekubhadhara kwekushandisa kunze kwe-network mari uye kushandisa shanduro yeScwab mari.
Mazano eS & P 500 Index Fund Research
Kana iwe uine ruzivo rwakakwana kuti uve nezviyero zvakakwirira muzvikwereti zvako zvekutsvaga, iwe unogona kukodzera kune mamwe makirasi ekugoverana ane kunyange kudhura kwechirwere chezviyero kupfuura iyo mari yakanyorwa pano. Semuenzaniso, Vanguard ine imwe chikamu chekugovera, inonzi Admiral Shares iyo inopa mari shoma yakaenzana.
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.