Nzira uye Kuti Kutenga Iko Best Index Funds
Pano tinogovana pamwe chete nemakambani emakambani ehurumende uye vanotengesa vatengesi kuti vatenge mari yekuenzanisira, pamwe chete nemabhizimisi mashomanene emari anotengesa mari yakawanda nokuda kwekodzero dzemari (saka dzinofanirwa kudzivisa).
Mutual Fund Makambani Anopa Mari Yakanakisisa Indekisi
Inonyanya kukonzerwa nemari mari inowanzo iyo iyo ine zvinhu zviviri zvakakosha: 1) Kudhura kwakaderera mari uye 2) Kuongorora nhamba yekutevera. Mamwe mazwi akasiyana, sezvo mari yehurukuro inoshandiswa mari isingatauri yakagadzirirwa kugadzirisa kushanda kwechinangwa chekutsvaga, uri kungotarisa kudhura mari uye kushanda kunenge kwakangofanana neyo index.
Heanoi mana emakambani akakwirira apo vatengesi vanogona kuwana zvakanakisisa index index:
- Vanguard Investments : Vanguard Investments ndechimwe chezvinhu zvakanakisisa uye zvinodavirwa nemakambani ekubhadhara mari kune avo vanozviita-iwe-iwe pachako boka. Muvambi Jack C. "Jack" Bogle akaumba kambani yepamusoro pechikonzero chake kuti mari yakaderera yemari yakakwana inogona kupa hudzo hwakanakisisa kune mutengesi wemakore akawanda.
Bogle, iko zvino inotora mukana, inoratidzira uye inoramba ichiratidzwa kune inharaunda yevatengesi kuti ibenzi kuedza nzira inogadziriswa inogadziriswa apo iri nyore, ine mari shoma passively-inotarisirwa index index chirongwa inogona kupa zvakanakisisa kudzoka. Vanguard ndiyo yekutanga mutual fund kambani yekupa pepanomwe rekutengeserana index index, iro nhasi rainzi Vanguard 500 Index (VFINX). Ivo vanewo guru guru mutual fund munyika, Vanguard Total Stock Market Index (VTSMX), uye guru guru mutual fund munyika, Vanguard Total Bond Market Index (VBMFX). Uye nechisarudzo chikuru chekudhura-mari, hapana-mutero index mari, Vanguard ndiyo yakakura uye yakanakisisa mupi wekanyorwa mutual funds munyika. Vanopawo mari yekuenzanisa mari iyo inobatanidza zvishandiso uye zvisungo zvakadai seVanguard Balanced Index (VBINX) uye inoratidza mari inotarisa kune dzimwe nzvimbo, dzinonzi mari yezvikamu, yakadai seVanguard Energy (VGENX), Vanguard Health Care (VGHCX), uye dzimwe Exchange Exchange Fund , kana ETFs, izvo zvakafanana nemari pamwe chete. Vanguard index funds inoda mari shoma ye $ 3,000 yekutanga kutengesa kuti utange. Zvipo zvishoma zvinoenderera mberi zvinowanzosvika $ 100 kana zvishoma.
- Kuvimbika Kwekutsvaga Mari: Kutendeseka Kwekutsvaga kunonyanya kuzivikanwa se mutual fund yekambani uye mupi wehutano hwekurega basa nemishonga, yakadai se 401 (k) zvirongwa uye IRAs, pamabhizimisi nevamwe. Kutendeseka, kwakatangwa muna 1946, ndeimwe yenyika dzakawanda dzenyika dzakawanda dzemari dzesangano rezvemari munyika. Sangano rekutengeserana kwekambani, Fidelity yakasimuka pamashure emamwe emari yavo yakawanda yakabatanidzwa yakawanda, yakadai seFidelity Contrafund (FCNTX), inotungamirirwa naWilliam Danoff naFidelity Magellan (FMAGX), yakakurumbira muma1980 nenhoroondo muteja wemari, Peter Lynch. Kunyange zvazvo Kuvimbika kunonyanya kugadziriswa mari inobatanidza, kune zvikamu zvishoma zvezvinhu zvakaderera, zvepamusoro-soro yemari pamusika. Somuenzaniso, Fidelity 500 Index (FUSEX) ine chiyero chemari ye 0.09% chete, iyo yakaderera kupfuura ye 0.16% yeVanguard 500 Index. Nemhaka yekudhura mari, pasi penguva FUSEX inotarisirwa kuvhara VFINX mukudzoka kumudzimai. Muzhinji, pasi pasi mari yekushandisa mari yekutengeserana, iyo inodzokera kumudzimai. Kutendeseka kunewo mamwe mazita akasiyana-siyana emari, zvakadai seFidelity US Bond Index (FBIDX), Fidelity Mid Cap Index (FSCLX), Fidelity Small Cap Index (FSSPX), Fidelity Total Market Index (FSTMX), nezvimwewo. Kutenderera kwekodzero yemari inoda mari shoma $ 2,500 yekutanga kutengesa kuti uitange. Zvipo zvishoma zvinoenderera mberi zvinowanzosvika $ 100 kana zvishoma.
- Charles Schwab : Anozivikanwawo seSchwab uye anonzi mushure mutsvaga wayo, Charles Schwab Corporation ishizha rekutsvaga rekutengesa rinopa mutero wemari pamwe nemari yezvemari kune umwe wevatengesi. Yakatangwa muna 1971 pasi pezita rokuti First Commander Corporation, Schwab akatanga kupa rubatsiro rwekutengeserana kune vamwe vanhu pakuderedzwa muna 1975. Nguva iyoyo isati yasvika, kuisa mari mumusika wekutengesa kwaionekwa semunhu ane pfuma yakawanda. iro rayo pachayo yemari pamwe chete. Nhoroondo yavo mari ndeimwe yezvinhu zvakaderera uye zvakanakisisa zviripo pamusika. Pakati pezvinyorwa zvinonyanya kukosha ndeye Schwab S & P 500 Index (SWPPX) uye Schwab Yese Stock Market Index (SWTSX), iyo yose ine madhigirii emadhora ezasi pasi pe 0.09% chete, iyo inofananidzwa nemabhizimisi anosvika 0,40% yehuwandu hwemari inoenderana. Izvo zvishoma zvishoma kutanga kwekutsvaga kwe $ 100 zvakare ishizha redu.
- Northern Funds : Kana waita chero tsvakurudzo yemari inodhura mari, iwe unogona kunge wakanzwa zveNorthern Funds. Mazhinji ehurumende yavo inoshandiswa mari inoenderana nemari yeVanguard Investments. Mari yeNorth inotungamirirwa neNorthern Trust, iyo inopa mari inosvika makumi mashanu ekubhadhara mari, iyo yakawanda iyo ine mari yakaderera yemari, zvakadai seNorthern Mid Cap Index ( NOMIX ), Northern Small Cap Index ( NSIDX ), uye Northern Bond Index ( NOBOX ) , iyo yose ine chikwereti chemari ye 0.15% uye yakaderera pane mari yakafanana nemapoka eVanguard.
Kuwana Best Index Funds paZvikwereti Kubhadhara Makambani
Vakawanda vatengesi vepaIndaneti vanowanikwa kune vashandi vemazuva ose vanowanzotumidzwa sevanotapudza vatengesi. Vanhu vazhinji havafungi nezvekambani dzebhizimisi pavanofunga nezvemari pamwe chete. Pane kudaro, uye zvakakodzera kudaro, vanofunga nezvemamwe makambani akasiyana-siyana asina mutoro makambani emari , akadai saVanguard, Fidelity, uye T. Rowe Price. Discount online vatengesi vanopa sarudzo dzakawanda dzekubhadhara mari (kunyange zvisati zviri zvavo) ndeyeEtrade uye TD Ameritrade. Charles Schwab ndiyewo mutengo wekutengesa asi ivo vanopa mari yavo pachavo, sezvakambosimbiswa munyaya ino.
Ramba uchifunga kuti zvikwereti zvekutengeserana, pamwe chete nemakambani ehurumende, inowanzobhadhara mari yekutengesa kana kutenga kana kutengesa zvikamu zvemari kubva kune dzimwe makambani. Iyi mitero inowanzoperera uye inopararira inenge ye $ 10 pamabhizimisi.
Vatengesi vakakurumbira vanowanzopa zviuru zvemari pamwe chete asi iva nechokwadi chekutanga kutsvaga kwenyu nekutarisa kuburikidza nekusarudzwa kwavo kwe "hapana-kutengesa-mari" kana "NTF Funds."
Tarisa Index Index Mari Inodhura Zvakanyanya
Sezvaunoziva iye zvino, mari yekuenzanisira haisi kunyatsotarisirwa, zvinoreva kuti boka rekutungamirira rinongotenga zvivimbiso zvinowanika munzveri uye saka hazvidi kuita chero tsvakurudzo uye pane zvishoma zvokutengesa zvinodiwa. Izvi zvinowanzochengetedza mari dzomukati dzekushandisa iyo index iri pasi. Nokudaro hapana chikonzero chakanaka chekubhadhara mari kune vatyairi vakawanda kupfuura yevhareji yemari yekuenzanisa, iyo inenge 0.40%.
Heano mamwe emari inodhura zvikuru S & P 500 Index Index:
- Nuveen Equity Index (FCEIX): 1.37% mari yehuwandu
- Invesco S & P 500 Index Fund (SPICX): 1.33% mari yakawanda
- Deutsche S & P 500 Index Fund (SXPCX): 1.32% mari yehuwandu
- Wells Fargo Index (WFINX): 1.31% mari yakawanda
Pamusoro pemari yakawanda yemari, chikamu chimwe chezvikwereti izvi chikoro chinowedzera chikwereti che100%, chinotengeswa kutenga uye kana chichitengesa zvikamu, zvichiita kuti zviwedzere kudhura. Cherechedza kuti mari iyi inogona kuva nedzimwe dzidzo dzekugovera dzisingadhura kupfuura idzi; asi zvakadaro iri pamusoro pevhareji mune mari inodhura.
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.