Vanguard Admiral Inoshandisa Tsanangudzo uye Kubatsira
Vanguard mari inozivikanwa nokuda kwemari yavo yakaderera, pasina-mutero mutual funds , izvo zviri pachena kuti ndiyo yakanakisisa yekutsvaga mari yezviiti-iwe-iwe pachako. Kunyange zvakadaro vatengesi vanofanira kuziva kuti kunyange mari-mutoro inenge ichine mari. Vanofanirwawo kunge vanoziva mari yekutsvaga uye vanofanira kugara vachitarisa mari pamwe chete nemari yakaderera mari.
Asi nei zvakaderera zvinodhura zvakadaro zvakakosha munyika yekutsvaga mari uye Vanguard Admiral Shares inobata sei nemari inobhadhara?
Tsvaga kuti kuchengetedza mari yakaderera kunogona kubatsira sei kuisa pasi yako pasi pane nguva uye kuti ungashandisa sei Vanguard Admiral shares sechigadziro mune rako rekutsvaga chikwereti.
Mutual Fund Inoshandiswa uye Nei Kuchengetedza Zvinodhura Zvishoma Ndiyo Smart kune Vashandi
Kuchengeta mari shoma nekutsvaga mari inofanana nekutapudza mari mubhadharo yemhuri. Paunoshandisa mari shoma, iwe unokwanisa kuramba uchiwedzera iwe pachako, nokudaro zvichiita kuti mambure ako akakodzera kukura kupfuura nguva. Ndiyo mutemo usinganzwisisi asi wakaongororwa nguva yekupedza zvishomanana, chengetedza zvakawanda.
Kana zvasvika pakubatana kwemari, pfungwa imwechete inoshanda. Zvikamu zviduku zvinowanzoshandurwa kusvika kumitambo yakakwirira. Izvi zvinoshanda sei? Mutengo wemari inobhadhara mari nenzira dzakasiyana-siyana:
- Izvo zvikamu: Iyi mutual fund class inopa izvo zvinonzi inopera-gorosi, iyo inopera, inowanzobva kubva pa3 kusvika kune 5.75 muzana, iyo inotambirwa pakutengesa zvikamu.
- B Zvokugovera: Ichi chikamu chekugovera chinodhura mari paunotengesa zvikamu, ndicho chikonzero mutero unonzi rekupedzisira-mutoro. Uyu mutero unogonawo kuva wakawanda se5 muzana kana kupfuura.
- C Mitsva : Iyi mari inopa izvo zvinonzi "level load," izvo zvinoreva kuti kune mari inopfuurira, kazhinji 1.00 muzana, chero bedzi iwe uine chikwereti. Izvi zvinowedzera mari yehwamanda uye inokonzera pasi kudzoka, kufanana nemari 12b-1 nemabhadha B.
- Kwete-Load Funds: Iyi mari haibhadhara mutoro chero upi zvawo asi huri nechomukati mari.
- Mutual Fund Inowedzera Mari: Izvo zvose mari yemari, kunyange pasina-mitoro, ine mari inoshandiswa kunobhadhara mari yekushanda uye izvi zvinodhura zvinoratidzirwa muhomwe yebhadharo yemari. Nokuda kwemari yemutoro, mari iyi inowedzera kune mutoro.
Mitoro inogona kuve yakananga kune vashandi vanoshandisa mutungamiri uyo asingatengi mari yekupa mazano kumunhu wese. Mune mamwe mazwi, kune mutungamiri kana mutengesi anotengesa mutoro wemari, chikamu chekubhadhara kwavo mazano chinobva pamutoro wekutakura. Dzimwe nguva kubhadhara mutoro kunogona kuve nenjere asi hazviwanzorevi kutenga mari pamwe chete nemari yakawanda inodhura.
Semuenzaniso, kana tichifananidza mari mbiri pamwe chete nechinangwa chakafanana asi mari yakasiyana-siyana, iyo ine mari yakaderera mari inowanzove yakadzoka yakakwirira munguva refu.
Jack Bogle, Index Funds, uye Admiral Shares
Pfungwa inokosha yekuchengetedza mari shoma nekutsvaga mari isina mubvunzo pakufambira mberi kwemazano ekutsvaga mari uye chikwata chemapurisa nekuda kwaJohn C. "Jack" Bogle, muvambi weVanguard.
Chikonzero chakaita kuti Bogle atange Vanguard ari pachivako chekuti sei Vanguard Admiral Shares yakavapo. Paaiva murejiji, Bogle akanyora pepanhau rezvenhepfenyuro pamusoro pekuti kudhura kwemajairo ekudhura kunogona kubhadhara kudzoka kwakadini munguva refu.
Akabva atanga Vanguard Investments muna 1974 zvichienderana nemari yake yakaderera yekuisa mari. Nenguva isipi mushure mekunge, yekutanga mari yekushandisa yakawanikwa kuvanhu, Vanguard 500 Index (VFINX), yakatangwa.
Nhasi Vanguard ndiyo inonyanya kushandiswa kwekambani yehurumende munyika yose maererano nemari yakachengetwa mumari yavo pamwe chete neVanguard Total Stock Market Index (VTSMX) ndiyo inonyanya kubhadhara mari pasi rose .
Vanguard yakawana sei kubudirira kwakadaro? Hakusi nekuda kwekutengesa kwakashata; ndechokuti vatengesi vadzidza zvishoma nezvishoma izvo Bogle akazviziva kubva pakutanga - kuti mari inotadzisa mari pamwe chete, kunyanya mari yekuenzanisira, inogona kudarika mari yakawanda-yepamusoro kwenguva.
Nhepfenyuro yemari inowanikwa munyaya yeVanguard nokuti mari yekutsvaga mari inenge isingagoni kutarisirwa, izvo zvinoreva kuti vanonyatsotevedzera nhamba, panzvimbo yekutsvakurudza, kutsvakurudza, kutenga, uye kutengesa zvigaro.
Sezvo mari yakachengetedzwa yakawanda inodhura kushanda iyo inowanzorasikirwa mukushanda munguva yakareba kune inodhura index index. Zvisinei kune huwandu hwemari yakarongedzerwa nemabasa akangodaro akange asingagoni kuenzaniswa nemari yemari.
Ichokwadi chokuti huwandu hwemari yakagadzirirwa zvakarasikirwa hunorasikirwa nehurukuro yavo yekuenzanisira inogona kuiswa muchidimbu muchirevo chekuti, "Kana iwe usingakwanisi kurova 'em, shandisa' em. ' Mamwe mazwi akasiyana, kana vane masimba masimeneni ekugadzirisa matambudziko vane kuoma kukomba index, sei uchangotora matanho akafanana ehurukuro, kuchengetedza kutarisira kunodhura pasi, uye kukunda nekungofananidza nekushanda kwekanyorwa?
Kuvaka pamusoro pekubudirira kwekudhura kwekudhura uye kuisa mari yekutsvaga mari, Vanguard yakatanga Admiral Shares, iyo inosanganisira mari shoma shoma kupfuura VaAvatori Vayo.
Vanguard Admiral Inoshandisa: Zvinodhura, Zvishoma uye Zvakabatsira
Pfungwa yekutanga yeVanguard's Admiral Shares ndeyekupa mubairo vatengesi vezvikwereti zvakakwirira nekubhadhara mari shoma pamusana pekugadzirisa mari yavo. Nhepfenyuro yemari uye mari yakatarwa nemitero yeVanguard Admiral Shares mari inoshandiswa zvishoma nezvishoma kutenga mazana $ 10,000; icho chiduku ndeche $ 50,000 nokuda kwemari inotungamirirwa nemabasa; uye zvishoma ndeye $ 100,000 kune imwe mari yemari; asi huwandu hweVanoshandisa muHurumende vanobhadhara mari inobhadhara mari inosvika $ 3,000.
Izvo zvinodhura zvinoenderana neAdmiral Shares zvakanyanya kuderera kupfuura Vanguard Investor Shares. Kunyange zvazvo zvingasaita sehokuita mari yakawanda, kunyange zvikamu zvishoma zvayo (mazana ezana nezana) inogona kuwedzera pamusoro penguva.
Semuenzaniso, Vashandi Vanowanikwa veVanguard 500 Index vane chiyero chemari ye 0.14 muzana, asi Admiral Shares version (VFIAX) ine mari ye 0.04 chete. Iyo 0.10 muzana inoparadzanisa yakaenzana ne $ 10 ye $ 10 000 inotengeswa. Iyo $ 10 inowedzera pamusoro pemakore akawanda emakore.
Nzira huru yekutenga Vanguard's Admiral Shares pamwe nekutenga VaInvestor Shares, kana mamwe mari pamwe chete nemari yakakwirira, inongova mukana wekuchengeta mari yakawanda iwe pachako uye kukura iyo kuchengetedza kwenguva. Nechisarudzo chimwe chekurumidza kutenga Admiral Shares, panzvimbo yekuti mari yakawanda inoshandiswa, chikwereti chinogona kuchengetedza mazana emadhora munguva. Icho chisarudzo chinogona kuiswa se "hapana-brainer" munyika yekutsvaga mari.
Maererano neVanguard, Admiral Shares avo vanokwana 41 muzana pasi pamusana pevanoshandisa VaShair Shares uye vari 83 muzana pasi kudarika vheji mutual fund munzvimbo yose yekutsvaga.
Vanguard inopawo mari yekutengeserana-inoshandiswa seye ETFs , kunyange zvazvo dzimwe nzira dzekubhadhara mari dzisina kubvumirwa zvachose naBogle, uyo akanyora maEFs sechiitiko chinogona kuva nengozi kumushambadzi wepakati. Zvisinei, Vanguard, seyikunyora iyi, ndiyo yechipiri huru yepeji ye ETF maererano nehupfumi pasi pehutungamiri, yechipiri chete kuShares ne BlackRock.
Pasi Pasi: Sezvo mari shoma inobatsira kune vatengesi, mari shoma inowanikwa zvakanyanya!
Kuchinja Vanguard Mushandi Wekugoverana kuAdmiral Shares
Vanguard vatengi vanoda kuvhara vatengi vavo Kugovana mari kuAdmiral Shares vanogona kuita izvi nekuita chikumbiro chiri nyore kuVanguard. Mune zvimwe zviitiko, Vanguard ichaita kuti kutendeuka zvivepo nokuti vanowanzoongorora zviyero zvevatengi kuti vaone kana vakakodzera kutendeuka.
Kana uri muchengeti weVanguard, uye iwe unotenda iwe unofanirwa kutendeuka uye usingadi kumirira kutendeuka kutendeuka, iwe unofanira kutaura zvakananga neVanguard.
Usati wasarudza pakushandura chikamu kubva kune Vashandi vekirasi kusvika kuAdmiral Shares, iva nechokwadi chokuti hausi kungopfuura kudarika asi iwe une chivimbo kuti iwe unogona kuchengetedza chikamu pane izvo zvishoma.
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.