Mutual Fund Kugovera Makirasi Ungave Nayo Mimwe Mitero, Minimum Investments, uye More
Kazhinji yenguva ino inoitika mushure mekuverenga kuburikidza nehurumende yekuchengetedza mari uye mugoveri anoona kuti homwe yezvikwata ine makero akasiyana-siyana. Zvinowanzosanzwisisika kuti chii chinopesana pakati pemari, asi mumatambudziko mazhinji, mamwe mari anopa mari shoma uye mari yezvikwereti mukuda kwekutsvaga mari.
Dzimwe nguva, mari yekubatana inoda kuzviita iyo inofadza kune vose amai-uye-pop vatengesi ("vatengesi" vatengesi) pamwe nemakambani makuru, zvirongwa zvepenjeni , uye zvisina ruzivo ("masangano" vevatengesi). Dambudziko nekuita mari yekutengeserana mari yakasarudzika yezvikwata zviviri zvevatengesi ndeyekuti makambani makuru makuru emakambani ane uwandu hwakakura hwehuwandu hwavasingazogamuchiri mari shoma yekutarisira inobhadharwa nevashambadzi vakawanda vanotengesa.
Panzvimbo yekupa mari mbiri yakasiyana, iyo inenge isingashandisi, mari zhinji pamwe chete inosarudza kugadzira zvikamu zvakasiyana zvezvikamu zvezvikwata zvekutsvaga mari. Imwe kirasi inogona kukwezva kune vatengesi vezvitengesi uye imwe kirasi inogona kukwidza kune vashandi vezvikoro. Dzimwe nguva, kune kunyange pakati-teer class yezvikamu. Zvimwe zvikamu zvidzidzo zvinogona kuva nemari yakasiyana-siyana, mari shoma, mari yekudzikinura, uye mitoro yekutengesa.
A Tarisa Nyika Yechokwadi Muenzaniso weMutual Fund Kugovera Makirasi
Kuti ikubatsire kunzwisisa pfungwa ye mutual fund classes, ngatitarirei makirasi eVanguard S & P 500 index index , chimwe chezvinhu zvakakurumbira zvemari munyika.
IVanguard 500 Index Index inowanikwa mune zvikamu zvakasiyana-siyana zvedzidzo:
- Iyo Inowanikwa Inotengeswa mari inoshandiswa pasi pekipiki chechiratidzo cheVFINX uye ine 0.14% inodhura chiyero ne $ 3,000 zvishoma kudyirwa
- IAdmiral Shares mari inoshandiswa pasi pekipiki chechiratidzo cheVFIAX uye ine 0.04% yezviyero zvayo ne $ 10,000 zvishoma zvishoma
- The Institutional Fund Shares fund inoshandiswa pasi pekipiki chechiratidzo cheVINIX uye ine 0.04% yehudha yehuwandu ine $ 5,000,000 inowanikwa zvishoma
- I Institutional Plus Fund Inoshandisa zvekutengeserana pasi pekipiki chechiratidzo VIIIX uye ine 0.02% yehuwandu hwekodzero ne $ 100,000,000 zvishoma kudyara
Sezvaunogona kuona, zvichienderana nekirasi yezvikamu zvaunotenga, huwandu hwako hunogona kubva kubva pa $ 3,000 kusvika ku $ 100,000,000 uye chiyero chebhadharo chako chekubhadhara mari inogona kusiyanisa zvikuru.
Varombo Varimi Vanogona Kuwana Zvimwe Zvipo Kubva kune Dzimwe Nzvimbo
Zvikwererero zvekuwedzera chikwereti chako hachigumisi pakuve nekuwana mari shoma mutual fund share classes. Nzvimbo dzakawanda dzezvemari dzinopa mamwe mazano zvichienderana nehuwandu hwezvinhu zvaunenge uri pasi pedenga reimba yavo nenzira imwechete iyo vazhinji vakanyoresa masayiridzi ekugadzirisa mazano vanoita nezvekodha dzakagadzirirwa pane imwe neimwe dzakagadzirirwa kushandira mari yakawanda uye yakakwirira mumatare anokosha.
Kuratidzira nemuenzaniso wedu weVanguard, dai waive nemadhora makumi mashanu kusvika ku $ 500 000 inotengeswa muVanguard mutual funds uye ETFs , iwe unokodzera kune iyo inonzi "Voyager Service level", zvinoreva kushanda-pasina mishandi pamatare eEFs uye kuderedzwa komisheni pamatanda uye kwete Vanguard ETFs.
Uyezve, hapana mari inoshumira.
Kana uine $ 500 000 kusvika ku $ 1 000 000 inotengeswa muVanguard mutual funds uye ETFs, unokodzera Vanguard's Voyager Select Services, uye vashandi vane mari inodarika $ 1 mamiriyoni muVanguard mutual funds uye ETF ndivo vakakodzera Vanguard's Voyager Flagship Services. Nhengo imwe neimwe inopa nhamba inowedzera yezvibereko kune varairi. Izvozvo, zvechokwadi, zviri pamusoro pekuti iwe uri kutobhadhara mari shomanana mumari yeruzhinji pamari yako iri pasi nekupa zvikwata zvepamusoro zvidzidzo zvishoma!
Zvimwe Nezvekutsvaga Mutual Funds
Kuti udzidze zvakawanda pamusoro pekugadzirisa mari yekutengeserana mari, verenga Mufambiro Wese weGreat Beginner wekutsvaga mu Mutual Funds , iyo inowanikwa mune imwe nzvimbo yepaiti zvakanakisisa mutual fund zvinyorwa uye zvigadzirwa.