A Kunyatsotarisa Tarisa Imwe Yezvinyorwa Dzakawanda dzeInternet International
ETF vs. Mutual Fund
IVanguard Total International Index Index mutual fund uye ETF inobatanidza imwechete iyo inoratidzira, asi inosanganisira mahedheni akasiyana emakomisheni, mari dzekutengesa, mitero inoshandiswa, uye zvimwe zvakagadziriswa.
The Vanguard Total International Stock Index Index ETF inoshandisa pasi peikiti chinonzi VXUS ne 0.11 muzana yemari inokwana iyo 90 muzana yakadzika kudarika yemhizha yevheji. Sangano reTFF, mari yacho inotora kambani duku yekutengesa mutengo kana kutenga uye kutengesa uye inogona kutengesa pakuderedzwa kana purogiramu kusvika mumutengo wezvinhu. Izvo zvakakosha ndezvokuti ETFs inowedzera kubhadhara mutero uye inotengwa nyore nyore uye inotengeswa mumusika wakashama.
The Vanguard Total International Index Index mutual fund inoshandisa pasi peikiti chinonzi VGTSX ine 0.18 muzana inodhura chiyero. Sekubatana pamwe chete, hazviiti chero mapeji kana kuparadzira mari uye nguva dzose inoshandiswa pamutengo wayo wekutengesa. Zvinonyadzisa ndezvekuti mari yekutengeserana haina mari shoma uye ine zviremera zvakawanda pakutenga uye kutengesa zvichienzaniswa ne ETFs.
Kuchipinda MuPodfolio
Vanguard Total International Stock Index inopa 43,2 muzana kudhura kuEurope , 30,2 muzana inosvika kuAsia-Pacific , 18.9 kubva muzana inotarisana neImerging Markets , uye 7.1 muzana kutaridzirwa kune vasiri US
North America, saJanuary 31, 2017. Mukutengeserana kwebhizimusi, nhamba yacho inowanikwa mune zvemari (21 muzana), vashandi (12 muzana), vatengesi vevatengi (11 muzana), vanozvidzivirira vatengi (9 muzana), teknolojia ( 9 muzana), uye zvinhu zvekushandisa (9 muzana). Mamwe mapoka semagetsi, kuterevhizheni, uye nhoroondo yeimba yezvakachengetwa kwezvasara zvehupfumi.
Vashandi vanofanirwa kuchengeta mupfungwa kuti huwandu hwemahofisi ndehwemusika-huwandu hwemari-hunorema, izvo zvinoreva kuti nzvimbo yepamusoro inotarisa kumakambani makuru pasi rose. Zvechokwadi, zvikamu zvehurukuro dzine mavhareji emari yemari yemari ye $ 23 mabhiriyoni, ane 16 chete muzana inotaridzirwa pakati pe-cap stocks uye 4 muzana kutaridzika kune zviduku zviduku. Izvi zvinogona kugadzirisa kukanganisa kwemaitiro ekuchengetedza zvidzidzo zviduku zvisingatauri mumatengesi enyika yose.
Zvinodhura uye Zviitiko Zvengozi
Vanguard Total International Stock Index yemari inoshandiswa zvakaderera mari yakawanda kupfuura mari inobata yakafanana. Iyo mutual fund version yemuongorori inopa mari yakaenzana iyo inogona kuchengetedza vatengesi kudarika $ 2,000 kune $ 10 000 inotengeswa makore gumi nemakore pamusoro pekukwikwidzana mari.
Kuderedza mitero kunonyanya kukosha sezvo dhora rega rega raibhadhara harisi kurasikirwa chete, asi vashandi vanorasikirwa nehuwandu hwechido chedhora iri munguva. Semuenzaniso, kuisa $ 100 000 muhomwe inokonzera 6% zvegore negore kudzoka ne 0.9 muzana mari yekuenzanisa ne 0.25 muzana yemari icharasikirwa nevanoda kusvika $ 100 000 kupfuura makore makumi matatu. IVanguard Total International Stock Index ndiyo imwe yenyika dzinonakidza kune dzimwe nyika nekuda kweiyo kudhura mari yakaenzaniswa nemakwikwi emari.
Vashandi vanofanirwawo kufunga nezvimwe zvinogona kuisa njodzi. Semuenzaniso, nhamba gumi yepamusoro yekubata chikamu chepamusoro pe8 kubva muzana yepodfolio, izvo zvinoreva kuti makambani aya aigona kuva nehuwandu hwehuwandu pane mari yose. Mari iyi inonyanya kuiswa muEurope mashizha - uye inopfuura 40 muzana yekutsvaga - izvo zvinoreva kuti matambudziko ose muEurope angakanganisa zvakakwana mari yose.
Zvimwe Zvimwe Zvingafanira Kufungisisa
Mari dzakawanda dzakasiyana dzinoita kuti kuve nekutengeswa kumisika yepasi rose, kusanganisira mari yepasi rose (iyo inosabvisa US) uye yose-nyika mari (inosanganisira US). Vashandi vanotarisa kune zvakasiyana-siyana vemapurisa epamusoro vanogona kuongorora mari yepasi rose, nepo avo vanotarisira mari yose-mu-imwechete vanofanira kutarisa mari yose-nyika. Vanguard Total International Stock Index ndeye mari yepasi rose inosanganisira US, kunyange Vanguard inopawo mari-nyika yose seVanguard Total World Stock ETF (ticker symbol VT).
Mari yakafanana zvikuru yeVanguard Total International Stock Index fund ndiyo yakakura Vanguard FTSE Yese-Nyika yekare yeU.S. ETF (VEU), iyo inowedzera kaviri zvinhu asi ine mari yakaderera yakawanda ye 0.15 muzana kusvika kune 0.11 muzana. Kusiyana kukuru pakati pezviviri ndeyekuti Vanguard FTSE Yese-World yekare yeU.S. ETF haina kusanganisira chero zvishoma zvekutsvaga kwechikwata, ine hutano hukuru mune zvehupfumi hwenyika, uye ine zvishoma zvishoma kune dzimwe nyika mumashamba ekubuda.
Dzimwe dzimwe dze ETF dzekufunga dzinosanganisira:
- iShares Core MSCI Total International Stock ETF (IXUS).
- iShares MSCI ACWI ex-US ETF (ACWX).
- SPDR MSCI ACWI ex-US ETF (CWI).
The Bottom Line
Iine nhamba dzinopfuura 6 000, iyo nhamba inopa maitiro akasiyana-siyana pakati pekodhi-uye-big-equ equities pasi pose nehuwandu hwemari inonyanya kuderera kudarika mhizha yehuwandu. Vashandi vanofanira kuchengeta mupfungwa, zvisinei, kuti pane zvakawanda zvingasarudzwa zvokusarudza kubva nekusarudza ETF kana mutual fund iyo yakakodzera yemamiriro avo oga .