A Muenzaniso wePodfolio yeVanguard Funds
Zvichida chinhu chakaoma chete chekugadzira chikamu chemari nemari yeVanguard chiri kuderedza zvingasarudzwa pakusarudzwa kwemari shomanana inoshanda zvakanaka pane zvaunoda. Pane zvakawanda zvokusarudza kubva!
Vanguard inogona kunge iri kuenda-yekuisa mari yekuenzanisira mari , asi inewo mamwe emhando dzakanakisisa -yakachengetedzwa mari inogona kutenga.
Nekusarudzwa kwakadaro kwepamusoro-soro, mari shoma inotengesana mari, hapana chikonzero chekutsvaga nemamwe makambani emari.
Tanga neIyo Best Portfolio Structure
Tisati tasarudza mari yakanakisisa yeVanguard kuti tishandise pamapatotikiti edu, tichaongorora hurongwa huri nyore asi hunobudirira hwehupfumi, hunoti hukuru uye sataneti , izvo zvinongonzwika: Inzvimbo yepamusoro inovakwa nepamusoro pe "kubata," guru-cap stock index mutual fund, iyo inomiririra chikamu chikuru chepodfolio, nemamwe marudzi emari-iyo "satellings holdings" -kunge iine zvikamu zviduku zvepapotipoti kuti apedze yose. Ma satellite anowanzova nemari kubva kumarudzi akasiyana-siyana, akadai sekunze kwenyika, madiki-cap stock, mari yezvisungo, uye dzimwe nguva mari .
Chinangwa chikuru chekugadzirwa kwepodfolio iyi ndechokuderedza njodzi kuburikidza nekusiyana-siyana (kuisa mazai ako mumabhasiki akasiyana) paunenge uchitarisa (kuwana kuwana zvakakwirira kudarika) chiyero chepamusoro chekushanda, seS & P 500 Index .
Muenzaniso wePortfolio ye Best Best Vanguard Funds
Iye zvino zvati tine unyanzvi hwokugadzirisa mari yedu yepotefolio yemari yeVanguard, tinogona kutarisa muenzaniso unogona kushanda semuenzaniso wekuvaka nzvimbo yako yekusimudzira:
- 35% Vanguard 500 Index (VFINX): Zvikwata zvakawanda zveAmerica
- 15% Vanguard Total International Stock Index (VGTSX): Maoko kunze kwenyika
- 10% Vanguard Explorer (VEXPX): Small-cap stocks
- 5% Vanguard Health Care (VGHCX): Utano hwehutano
- 35% Vanguard Total Bond Market Index (VBMFX): Bonds
Izvi zvakasanganiswa nemari yeVanguard muenzaniso wehuwandu hwemapurisa , izvo zvakakosha kune mutengesi ane unyanzvi hwekutsungirira kwekukurumidza uye nguva inosvika makore mashanu. Vashandi vemazana vanozvipira kugamuchira nguva dzekutengesa misika kusinganzwisisiki (ups uye pasi mu kukosha kwebhuku) mukutsinhana kwekugona kukwanisa kudzorera kudzoka kwekunze kwema inflation nemuganhu wakakura. Izvo zvakasarudzwa kugoverwa kuputika 65% ematokari uye 35% zvisungo.
Kushandiswa kwemari yezvikamu, zvakadai seVGHCX inosarudzwa. Kana zvimwe zvikamu zvichiwedzerwa, iva nechokwadi chekuchengeta kugoverwa kunotarisana ne5% kune imwe neimwe yega uye edza kusapfuudza zvikamu zve15% zvakagoverwa kune zvikamu (kureva 5% yakagoverwa nemari 3 yemari yakasiyana).
Iro Lazy Portfolio Option
Iwe unogona kunge wakacherechedza kuti iyi yemufananidzo wekufananidzira inosanganisira mari inotungamirirwa neVanguard mari pamwe nekuenzanisa mari. Asi vamwe varimi vanonzwisisika semafungiro ekutsvaga mari muVanguard's index funds. Izvi ndezvekuti vane zvikwereti zvakaderera zvakanyanya uye vanocherechedza zviratidzo zvavo, izvo zvinoderedza mutengesi wehutano unobatanidza nemari yakachengetedzwa .
Nemhaka yekusava nemafungiro emari yemari, vamwe vashandi vanoratidzira vachidaidza chikwata chemari ye "index" ye "index". Heino muenzaniso wakajeka wemapuriniki ane masimba eVanguard mari:
40% Vanguard Total Stock Market Index Fund
30% Vanguard Total International Index Index Fund
30% Vanguard Total Bond Market Index Fund
Ichi chinyararire chinyararire chimwe chekugoverwa kunonzwisisika, iyi inenge 70% mashizha uye 30% zvisungo.
Hazvina mhosva kuti Vanguard mari ipi yaunosarudza, ingova nechokwadi chokuti uri kushandisa kusanganiswa kwakasiyana-siyana kwehurumende yezvikwata uye uchitevera mirayiridzo iyi pakuongorora mari pamwe chete .
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.