Total Stock Market vs S & P 500

Unofanira Kutenga Iko Total Market Market Index Fund kana S & P 500 Index Fund?

Ndeipi inonyanya kukosha, iyo yose yemari yemakero index fund kana S & P 500 Index fund ? Kunyange zvazvo zvose zviri zviviri zvakafanana zvakafanana, kune zvisizvo zvakasiyana. Semuenzaniso, mari yose iyo inotengeswa mumakambani makuru eUnited States asi yakawanda yemari yekuenzanisa mari inowanzo iine zviduku-duku uye pakati pezvitsotsi zvese. Ndezvipi zvakakosha uye kukanganisa kweumwe neumwe?

Panewo zvimwe zvikanganiso zvekudzivisa muhuwandu hwemakosheni emakero neS & P 500 nharo hurukuro.

Icho kuchenjera kuenzanisa nekusiyanisa kufanana nekusiyana kusati kwasara.

Iko Total Stock Market haisi 'Total' Diversification

Apo varairidzi vanogona kuvhiringidzika uye / kana kuita zvikanganiso, ndeyekuti vazhinji vakawanda yemakero emakosheni emari mari vanoshandisa Wilshire 5000 Index kana Russell Russell Index iyo seyimboti kana, sezvinonzi Morningstar inoratidzira, iyo "yakanyatsokodzera index."

Iyo nyanzvi, "iyo yose yemusika yemari," inogona kutsausa. Zvose Wilshire 5000 Index uye Russell 3000 Index inobatanidza huwandu hwematokari asi zvose zviri zviviri kana zvakakwana zvizere nemari yakawanda, izvo zvinoita kuti zvive nekukwirirana ( R-squared ) kuS & P 500 Index .

Mumashoko akareruka, mari yose yemakotengesi emashekiti haisi kunyatsoisa mari mumusika wekambani yemutengo nenzira chaiyo. Zvinyorwa zvinonzwisisika zvingava "huru-huru-cap stock index." Vazhinji vatengesi vanoita chikanganiso chekutenga mushambadziro wekutsvaga mari yekutengesera vachifunga kuti vane misikanano yakasiyana-siyana yemakumbo makuru, mid-cap-stocks uye zviduku zviduku muhomwe imwe.

Izvi hazvisi chokwadi.

Kusarudza Indekisi yekuvaka Diversified Portfolio

Mumwe mutengesi anokwanisa kutora mari yose yekutengeserana, achifunga kuti vanoda kuvaka nzvimbo yakasiyana-siyana , nekutsvaga mari inobatanidza zvimiririra zvikamu zvakasiyana-siyana zvemisika. Semuenzaniso, murimi angasimudza mune 4 kana kupfuura mari, imwe neimwe inomiririra zvikwata zvakasiyana- siyana , zvakadai sehomwe huru-shandi, zviduku-zvidhi zvinyorwa, zvisiri zvekunze, uye zvisingagadziri mari (zvisungo).

Kana iri iyo yakakura, chikwereti chinenge chichishandiswa kushandisa nhovo huru yehombe, yakadai seimwe yepamusoro yeS & P 500 Index Index, uye inovaka pedo nemimwe mhando dzemari.

Muchidimbu, boka rose rekutsvaga mari yekutengeswa haritori chikwata chemari yose; iyo inotora huwandu hwemahombeksi makuru emusika wekutengesa nemusana muduku mumiriri wezvimwe zvikamu, zvakadai sekatikati-cap uye zviduku zviduku. Nokudaro ivhareji yemakemikari ndiyo huru-kapu, ndicho chikonzero ichi ichiita saizvozvo uye S & P 500 index fund.

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.