Kūkulu kēia mau KānāwaiʻIke Kū'ē i ka Hōʻoia o ka Wā
I nā makahiki i hala iho nei, ua nui ka helu o nā kumukūʻai helu a me nā kālā Exchange-Traded, i kapaʻiaʻo ETF , i ka mākeke aʻaʻole i kūpono ka hapa nui o lākou no nā mea hoʻolimalima lōʻihi. He nui ka hapanui o lākou e nānā i kahi lāke liʻiliʻi, e like me ka biotechnology, ka pāpili pāpili, a iʻole ka pilikino pili palena a me nā MLP .
Hiki i kēia mau kālā kūpono ke hōʻoia i nā hōʻailona nui i ka wā pōkole akā hiki nō hoʻi iā lākou keʻike i nā haʻahaʻa nui. Hoʻolālā lākou i ka loaʻa o nā koinaʻoi aʻe ma mua o ka nui o nā kumukūʻai helu helu.
ʻO ka papa helu poʻokela maʻamau, ma koʻuʻano haʻahaʻa a me kaʻike, uaʻano likeʻole aʻano kūʻai. No laila,ʻaʻole kahiʻoi aku o ka papaʻi, eia kekahi mau hōʻailona waiwai nui āu e kūʻai ai no ka hoʻolālā lōʻihi.
Kākoʻo maikaʻiʻo S & P 500 Index
ʻO kekahi o nāʻoihana hua'ōlelo nui loa o ka pūnaewele S & P 500,ʻo ia hoʻi ka hōʻailona o nā lāʻau i kohoʻia e pili ana i 500 o nā hui nui loa maʻAmelika Huipūʻia, e like me ke anaʻana i ka hoʻonuiʻana o ka makelia.
- ʻO Vanguard 500 Index (VFINX):ʻO kēia kālā kālepa kahi hōkele helu mua i loaʻa i ka lehulehu. Ua ola ia i ka manaʻoʻo Vanguard Investments ka mea nāna i hoʻokumu,ʻo Jack Bogle, nāna i aʻo i nā maketi aʻike i ka nuiʻole o nā mea waiwai kālā a me nāʻoihana hoʻopuka kumuhana e paʻi i nā avelaʻoiʻoi ma ka holo lōʻihi, ma hope paha o ka loaʻaʻana o nā lilo. No laila, ma ke kūʻai waleʻana i kahi kālā kālāʻuʻuku e like me ka hīnaʻi o nā lāʻau i loaʻa i loko o ka hōʻailona, hiki i nā mea kālā ke hopu i nā hoʻihoʻi kūpono. Loaʻa ka lālā hoʻolālā o VFINX i kahi 0.16 pakeneka wale nō a me ka hoʻoili mua loa he $ 3,000.
- Hoʻokaʻawale Spartan 500 Hōʻike (FUSEX): Ka nui o ka pono, kaʻike me ka heluʻana a me ka makemake e paio me Vanguard e hui pū me ka hāʻawiʻana i kā lākou kumukūʻai hōʻai'ē lua ma Vanguard. ʻO ka manawa pinepineʻole ka waiwai o nā kumukūʻai ma waena o nā mau kahawai nunuiʻelua i kaʻikeʻole i nā lilo a me ka hana. I ka hopena, hoʻokumu ka hoʻolālā i nā kālā kūpono kiʻekiʻe no ka mea hoʻolimalima. Eia kekahi laʻana,ʻo FUSEX ke mālama i nā'āpana like me VFINX akā ma ka lihi o ka palena haʻahaʻa o ka 0.10 pakeneka wale nō. ʻO ka emiʻana o ka hoʻokumu mua loa he $ 2,500.
- Hōʻike Swabina S & P 500 (SWPPX): Ua hanaʻo Charles Schwab i ka hana maʻalahi no ka hāʻawiʻana i nā meaʻoi aku ma mua o ka lawelaweʻana i nā hale kūʻai ukali i nā mea hoʻolale kālā: Ua komo nui lākou i loko o nā kumukūʻai hōkū waiwai o Vanguard a me Fidelity. I nā makahiki i hala iho nei, ua hoʻoemi ka mea hoʻolimalima hoʻolimalima i ko lākou kālā no ka hoʻokūkū i ke poʻo i ke poʻo me Vanguard a me Fidelity. ʻO ka lālā hoʻolālā he haʻahaʻa 0.09 ka lōʻihi no SWPPX aʻo ka hapa palena mua loa he $ 100.
ʻO ka uku kālā hōʻemi kālā hōkū waiwai
Inā hikiʻole ke hōʻailonaʻia i nā 500 - nui kālepa nui kālepa nui noʻoe, hiki i ka waihona kālāʻai kālā a pau e mālama ana i nā'āpana kālā he nui ka pōmaikaʻi. Eia ka mahele o ka nui o nā kālā kūʻai kūʻai kālā:
- ʻO Vanguard Total Stock Market Market (VTSMX):ʻO ka waihona kālā kahi kālā nui ma ka honua no kekahi kumu. ʻO Vanguard ka mea helu helu waiwai a me VTSMX i loko o ka papa helu helu mua no ka laweʻana i ka'elepa kūʻai. Me ka hōkele kālā o ka 0.18 pakeneka, ua hoʻokumuʻo VTSMX i kahi paʻa paʻa e mālama nei no kēlā me kēia kōpana waihona kālā. ʻO ka palena kūʻai mua loa no VTSMX he $ 3,000.
- ʻO ka'eneke kālā hoʻolālāʻo SWwabs (SWTSX) : Me ka hōʻai'ē hoʻolālā o ka 0.11 pakeneka, he paʻakikī ka paʻiʻana i SWTSX keʻoleʻoe e hiki ke loaʻa i nā kuhi ka palena haʻahaʻa me kekahi o Vanguard's Admiral Shares. E like me nā kālā'ē aʻe o Schwab, He mea kumukūʻai nui SWTSX $ 100.
ʻO ka uku kumukūʻai o nā kumukūʻai o nā kumukūʻai
Inā he mea hoʻopuka lōʻihiʻoe, aʻaʻoleʻoe e noʻonoʻo i kaʻikeʻana i ka loliʻana o ka mākeke a me ka palekanaʻana o kāu moʻokāki e piʻi ana a i lalo i ka wā pōkole, hiki iāʻoe keʻike i kaʻoihana hoʻolaha waiwaiʻoihana maikaʻi.
- ʻO ka Index Vanguard Growth Index (VIGRX):ʻO kēia kālā e waiho wale i nā waiwai nui wale nō i loaʻa ka mea ulu, akā, eʻoi aku ana ka maikaʻi ma mua o ka waiwai o S & P 500 Index. ʻO ka lālā hoʻolālā no VIGRX he haʻahaʻa 0.22 ka liʻiliʻi aʻo ka hoʻoili mua loa he $ 3,000.
- ʻO ka NASDAQ Index Composite pono (FNCMX):ʻO ka NASDAQ Index ka hapa nui o nā koʻokoʻo koʻikoʻi akāʻo ka hapanui o lākou he mauʻenehana loea a me nā lāʻau olakino iʻoi aku kaʻoi aʻe o ka uluʻana o ka wā lōʻihi ma mua o nā palapala āpau. No laila, ināʻaʻoleʻoe e noʻonoʻo i ka pilikia i loaʻa no ka hōʻaihoʻi houʻana mai ka manawa lōʻihi, e makemakeʻoe i FNCMX. ʻO ka pālākiō hoʻolālā he 0.29 pakeneka aʻo ka hoʻokumu mua loa he $ 2,500.
- Vanguard Mid Cap Index (VIMSX):ʻO paha paha ke ala maikaʻi loa e hāʻawi iāʻoe iho i kahi manawa e paʻi i ka S & P 500 index is to buy a index index that invests in mid-cap stocks, iʻoi aku kaʻoihanaʻoi aku ma mua o kaʻoihana koʻikoʻi nui. ʻAʻole hiki ke kūpono ka hopena ma waena o nā pōkoʻi liʻiliʻi, aʻo ka VIMSX kekahi mea'ē aʻe e mālama pono ma kahi "kahi momona" o nā kiʻekiʻe kiʻekiʻe akā me ka pilikiaʻole. ʻO ka lālā hoʻolālā no VIMSX he 0.20 pakeneka, aiʻole he $ 20 no kēlā me kēia $ 10,000 i hoʻolakoʻia, aʻo ka hoʻoili mua loa he $ 3,000.
Nā Waihona Hōʻikeʻo Bond Bond
He kūpono ka waiwai kālā no ka mea kokoke i nā mea kālā kālā a pau e hoʻolako i ke kōkoi likeʻole o ka waihona kālā a me nā kumukūʻai hōʻailona he ala maikaʻi loa no ka hopuʻana i kahi mahele nui o ka māla kūʻai ma kahi hoʻokele waiwai haʻahaʻa.
ʻO ka helu o ka māhele hōʻaleʻa piha e pili ana i ka pūʻulu pili kālā a iʻole Exchange Exchange Trades (ETF) e mālama ana i kaʻAhahui Huiʻo Barclay , kahi iʻikeʻiaʻo BarCap Aggregate. ma ka US
Eia ka'eneke helu hōʻailona maikaʻi e hālāwai me kēiaʻano o ka pono no ka pilikino a me keʻano maʻalahi:
- ʻO Vanguard Total Bond Market Index (VBMFX):ʻO kēia ka hōʻailona waiwai nui o ka honua, ma keʻano o nā waiwai i lalo o ke alakaʻi,ʻo ia hoʻi ka mea punahele o nā mea hoʻokomo-hana-pono-nui a me ka hapanui o nā kūkākūkā uku. . Ke kūʻaiʻoe i nā mahele o kēia pūnaewele hōkeo i loaʻa iāʻoe ka hōʻailona i ka māhele paʻa a pau o US,ʻo ia hoʻi he mau kaukani nakinaki, e hoʻopili ana i nāʻano likeʻole, e pili ana i nā pūnaewele paʻa, nā US Treasury bonds, nā'aleʻa pōkole, nā paʻahana manawa lōʻihi, ka lōʻihi nā kikoo, a me nā mea hou aku. ʻO ka lālā hoʻolālā he 0.16 pakeneka wale nō a he $ 3,000 ka hakina mua loa.
- ʻO kaʻoiaʻiʻoʻo ka Bond (FTBFX):ʻO kēia kālā pilikino e like me Vanguard's VBMFX; akāʻoi aʻe ka maʻalahi i ka paleʻana i ka pōpilikia a me ka uku. I ka unuhiʻana, hiki i ka FTBFX ke paʻa i nā koinaʻoihana kiʻekiʻe, no ka laʻana, a hiki paha ke kiʻi i nā loli lōʻihi lōʻihi e like me ka hopena, ke hoʻohālikeʻia me VBMFX. ʻO nā lilo heʻoi aʻe ka kiʻekiʻe ma ka 0.45 pakeneka akāʻo ka hoʻonui kālā i loaʻa no kahi kālā hōʻuluʻulu kālā e hiki ke uku. ʻO ka kūʻai mua loaʻana he $ 2,500.
ʻO nā kālā kaulike maikaʻi loa
Ināʻoe eʻimi nei i kahi ala kūpono e loaʻa ai i nā hui likeʻole a me nā mea paʻa i loko o kahi kālā hoʻokahi wale nō,ʻo ke ala maikaʻi loa e hana aiʻo ia me ke kālā palekana.
Eia ka'eneke helu poʻokela me kahi hui kūlike o nā mea a me nā hoʻopaʻaʻana:
- Vanguard Balanced Index (VBINX):ʻO kēia kālā he hana nui no ka mālamaʻana i nā kumukūʻai a me ka palekana i nā pōʻino a me ka uku i ka wā lōʻihi. Hoʻoihoʻia ka hoʻoili'āina ma kahi o 60 pakeneka kālā a me 40 ōneli mau paʻa, i mea e kūpono ai i nā mea kūʻai eʻimi ana i ka pilikia kūpono (a mean paha). Ua nani nā lā lōʻihi ma ka kokoke o 7 pakeneka, e like me ke anaʻana i nā makahiki he 15 makahiki i hōʻea i ka 2016. Ua emi ke kaʻana hoʻolālā he 0.22 pakeneka aʻo ka hoʻoili mua loa he $ 3,000.
Aia kekahi mauʻili helu helu palekana akāʻaʻohe mea e hiki ke paʻi iā Vanguard o ka hui pūʻana o ka uku liʻiliʻi a me ka lōʻihi.
ʻAʻole ka Balance e hāʻawi i kaʻauhau, ke kālā, a me nā lawelawe kālā a me nā'ōlelo aʻo. Ke hōʻikeʻia nei kaʻike me ka noʻonoʻoʻole i nā kumu hoʻolālā, ka palekana palekana a kūlike paha i ke kūlana waiwai o kekahi mea kālā kālā aʻaʻole paha e kūpono i nā mea hoʻokele kālā. ʻAʻole i hōʻike muaʻia nā hana i hala aku nei. ʻO ka mālama kālā kahi hihia e pili ana i ka pohō o ke poʻo.