Idzi Indaneti Inodhura Mari Inosimirira Muedzo weKuva
Mumakore achangobva kupfuura, nhamba huru yemari yemari uye Exchange-Traded Funds, dzinonzi ETFs , dzakakunda mumusika uye zhinji dzadzo hadzina kunaka kune vashandi venguva refu. Vakawanda vavo vanotarisa pane imwechete shoma, seyotechnology, social media, kana tenzi mashoma kubatana kana MLPs .
Izvo zvikwereti zvakanyanya zvinogona kuisa hukuru hukuru munguva pfupi asi vanogonawo kuona kuora kukuru. Vanowanzova nehuwandu hwemari yakawanda kupfuura mamwe akawanda emari yehurongwa.
Iyo yakanakisisa index yemari, mune maonero angu akazvininipisa uye ane ruzivo, yakasiyana zvakasiyana uye inodhura. Saka pasina humwe hutungamiri, pano apa mamwe emhando yakanakisisa yemari yaunogona kutenga nguva yakareba yekugadza.
Best S & P 500 Index Funds
Imwe yemhando inonyanya kufarirwa yemari inotsvaga mari inotengeswa muS & P 500 index, iyo inotenderera yezvikwata zvinomirira mazana mashanu emakambani makuru muUnited States, sezvinoyerwa nemari yemari.
- Vanguard 500 Index (VFINX): Iyi mutual fund ndiyo yekutanga mari inowanikwa kuvanhu. Izvi zvakaunza hupenyu pfungwa yeVanguard Investments founder, Jack Bogle, uyo akadzidza misika uye akacherechedza kuti vashandi vakawanda uye vashandi vemapuritoreti vepamusoro havana kukwanisa kurova misika yemakero munguva refu, kunyanya mushure mokunge vatengesa mari. Nokudaro, nokungotenga mari shoma mutual fund iyo ibhasi rezvikwata zvinowanikwa muhurukuro, vatengesi vanogona kutora zvinononoka kudzoka. VFINX ine mari inodhura ye1.16 peresenti uye huwandu hwekutsvaga kwekutanga huri $ 3,000.
- 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. Semuenzaniso, FUSEX inobata mashizha akafanana neVFINX asi nehuwandu hwemari yakaderera ye 0.10 muzana chete. Izvo zvishoma zvishoma kutanga kwekutswa kwekutsvaga zvakare zvakaderera pa $ 2,500.
- 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. Mumakore achangobva kupfuura, mutengesi anorambidza akaderedza mari yavo yekukwikwidza musoro kuenda nekutungamira naVanguard uye Fidelity. Nhamba yebhadharo inokwana 0.09 muzana ye SWPPX uye huwandu hwekutsinhanisa kwekutanga huri $ 100 chete.
Best Best Stock Market Index Funds
Kana kuwana kusvika kune mazana mashanu emadhora makuru eUnited States hakusi zvakasiyana siyana zvakakwana kwauri, mari yose yekutengeswa mari inoshandisa zviuru zvezvikwata zvinosanganisira huru-cap, mid-cap uye zviduku-duku zvingava zvechido. Pano ndiyo yakanakisisa yemari yemashekiti yemashekiti:
- Vanguard Total Stock Market Index (VTSMX): Mari ndiyo inonyanya kubhadhara mari pasi rose nokuda kwechikonzero. Vanguard ndiyo yakatanga kunyorwa uye VTSMX ndeye yekutanga mari yekutsvaga kutora misika yose. Nhamba yebhadharo inosvika 0.18 muzana, VTSMX inogadzirisa zvakasimba kubata chero mutual fund fund. Izvo zvishoma kushandiswa kwekutanga kweVTSMX ndeye $ 3,000.
- Schwab Total Stock Market Index (SWTSX) : Nhamba yebhadharo ye 0.11 muzana, zvakaoma kurova SWTSX kunze kwekuti iwe wakakwanisa kuwana mari shoma shoma neyimwe yeVanguard's Admiral Shares mari. Sezvimwe zvikamu zveShawab, mari shoma yekutenga yekutanga SWTSX inodhura zvikuru $ 100.
Best Aggressive Stock Index Funds
Kana iwe uri murima wekugara kwenguva refu, uye iwe usingafungi kuona kuchinja kwemakemikari uye kubhadharira kwekambani yako kuenda kumusoro uye pasi munguva pfupi, unogona kuwana utsinye huwandu hwemari inotengeswa mari.
- Vanguard Growth Index (VIGRX): Iri mari inobhadhara chete muhomwe huru dzehomwe dzinogona kukura, izvo zvinoita kuti zvive zvishoma uye zvinogona kuwedzera mubayiro munguva refu kupfuura S & P 500 Index Index. Nhamba yebhadharo yeVIGRX yakaderera 0,22 kubva muzana uye huwandu hwekutsvaga kwekutanga huri $ 3,000.
- Kutendeseka NASDAQ Composite Index (FNCMX): NASDAQ Index ine mashopu akawanda-zhinji asi mazhinji acho ndiyo teknolojia uye zvigadzirwa zvehutano izvo zvinowanzova nekukura kwekureba kwenguva refu kupfuura mararamiro akawanda emisika. Saka kana iwe usingafungi njodzi yakawedzerwa yehuwandu hwekudzoka kwenguva refu, iwe unoda FNCMX. Nhamba yebhadharo iri 0.29 muzana uye zvishoma zvishoma kutanga kwekutsvaga $ 2,500.
- Vanguard Mid Cap Index (VIMSX): Zvichida nzira yakanakisisa yekuzvipa mukana wokurova S & P 500 index ndeyekutenga chikwereti chinyorwa chinotengeswa mukati me-cap stocks, izvo zvakamboita zviri nani pane zvidhori zvakakura. Mid-caps haisiwo mungozi kudarika zviduku-duku, izvo zvinoita kuti VIMSX ive chinhu chisingawanzoiti kuti inotengesa zvakananga mu "nzvimbo inotapira" yepamusoro inouya asi pasina ngozi yakanyanya. Nhamba yebhadharo yeVIMSX inokwana 0,20 muzana, kana $ 20 ye $ 10 000 inotengeswa, uye zvishoma zvishoma kutanga kwekutsvaga kuri $ 3,000.
Best Bond Index Funds
Mari yeBond inokodzera kune vose vanoita mari kuti vave nehuwandu hwemari yezvemari pamwe nemari yekuenzanisira mari inzira yakanaka yekuwana chikamu chakawanda chemusika wezvisungo mune imwe chete inodhura mari.
Zvose zvinoshandiswa nehurumende yemakakatani zvinowanzoreva mazita ekutengeserana mari kana Exchange Traded Funds (ETFs) inoshandisa muBarclay's Aggregate Bond Index , inozivikanwawo seBarCap Aggregate, iyo inobatanidza huwandu hwehutano hunobatanidza hutengi hweUnited States uye dzimwe dzisungo zvekutengeserana muUnited States
Pano ndiyo yakanakisisa bond index mari yekusangana nerudzi urwu rwekuda kwekusiyanisa uye nyore:
- Vanguard Total Bond Market Index (VBMFX): Ichi ndicho chikuru chekuchengetedza mari yehurumende munyika, maererano nehupfumi huri pasi pehutungamiri, zvinoreva kuti ndiyo inofarira yezviiti-iwe-iwe pachavo vatengesi uye vazhinji vemazano avo chete vanobhadhara pamwe chete . Apo iwe unotenga chikamu chechibvumirano ichi chinosungirirwa iwe unowana kubudiswa kwese musangano weUnited bond, iyo zviuru zvezvisungo, zvinosanganisira marudzi akawanda, kusanganisira zvisungo zvehurumende, zvisungo zveSouth Treasury, zvisungo zvenguva pfupi, zvisungo zvepakati pfupi, nguva refu zvisungo, nezvimwe. Nhamba yebhadharo inongova 0.16 kubva muzana uye huwandu hwekutsvaga kwekutanga huri $ 3,000.
- Kuvimbika Kwose Bond (FTBFX): Ichi chikwereti chakazara zvakasiyana-siyana chakafanana neVanguard's VBMFX; kunyange zvakadaro inowedzera kushanduka pakugadzirisa ngozi uye mubayiro. Mukushandura FTBFX inogona kuchengetedza zvikwereti zvakakwirira zvezvibereko, somuenzaniso, uye zvichida kutora huwandu hwekudzoka kwenguva yakareba semugumisiro, zvichienzaniswa neVBMFX. Izvo zvinodhura zvinopfuura zvakanyanya pa 0.45 muzana asi mari yakawedzerwa yehurukuro yemari inogona kuve yakakosha. Izvo zvishoma zvishoma kutanga kutenga ndeye $ 2,500.
Best Balanced Index Index
Kana uri kutsvaga nzira yakanakisisa yekusanganiswa kwakasiyana-siyana kwematokisi uye zvisungo mune imwe chete mutual fund, nzira yakanakisisa yekuita nayo ine kuenzanisa mari yemari.
Heano ndiyo yakanakisisa index yemari ine kuenzanisa kwakakwana kwemashamba uye zvisungo:
- Vanguard Balanced Index (VBINX): Mari iyi inoita basa rakakura rekuchengetedza mari shoma uye kuenzanisa dambudziko uye kukomborera kwenguva refu. Nhaka yekugoverwa inosvika pamapfumbamwe makumi matanhatu ematokari uye 40 muzana zvisungo, izvo zvinoita kuti zvive zvakakodzera kune vashandi vanotarisa kutarisa zvishoma (kana mukati). Kubva nguva refu kwekudzoka kwave kunokwezva inenge inenge 7 kubva muzana, zvichienzaniswa nemakore gumi nemashanu ekudzoka kwegore rinouya kuburikidza na 2016. Iko mari yebhadharo yakaderera pa 0.22 muzana uye zvishoma zvishoma kushandiswa kwekutsvaga $ 3,000.
Kune mamwe mazano akaenzana emari asi hapana angakunda Vanguard kusanganisa kwebhadharo shoma nekudzoka kwenguva refu.
Iko Balance haisi kupa mutero, utsvaga, kana mari yemari uye mazano. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kubvumira kusangana nematambudziko kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru.