Pehea a me kahi e kūʻai ai i nā kumukūʻai hōkū
Maʻaneʻi mākou e puʻunaue i nā pūʻulu waihona kālā maikaʻi a me nā ukana kūʻai ukana no ka kūʻaiʻana i nā kālā hōʻemi, a me kekahi mauʻoihana kālā e hoʻonui ana i nā kālā no ka hōʻuluʻulu helu (a no laila eʻaeʻia).
Nā Pūʻulu Lāhui Kamaliʻi e hāʻawi ana i nā kumukūʻai hōkū maikaʻi
ʻO ka papa helu poʻokelaʻoi loa,ʻo ia ka mea i loaʻa nāʻano kumu luaʻelua: 1) Nā aho hoʻolālā liʻiliʻi a me 2) Nānā ma waena o ka helu. Ma nā'ōleloʻokoʻa, no ka mea, ke hoʻomauʻia nei nā puʻuwai hoʻolālā e hoʻololi i ka hana o kahi hōʻailona papa kuhikuhi, keʻimi wale neiʻoe i nā uku a me ka hana e like me ka helu.
Eia nāʻehā o nāʻoihana maikaʻi loa kahi e loaʻa ai i nā kālā kālā ka hōʻailona waiwai nui:
- Vanguard Investments :ʻO Vanguard Investments kekahi i waena o nā mea maikaʻi loa a punahele hoʻi no nā hui kālā ma ka hui nui-e-nui. Ua hoʻokumuʻo Jack C. "Jack" Bogle i ka hui ma kona manaʻo e hiki ana i nā kālā hōʻemi waihona kumukūʻai hiki ke hāʻawi i nāʻike kiʻekiʻe no ka mea hoʻolimalima lōʻihi.
ʻO Bogle, i kēia manawa ua haʻalele, hōʻike maikaʻi a hōʻike pinepineʻia i ka hapuna waiwai kālā he mea lapuwale ia e ho'āʻo ai i kahi alakaʻi ikaika i kahi e hiki ai i kahi hoʻolālā kālā hōʻemi i mālama ponoʻia e hiki ke hāʻawi i nāʻike kiʻekiʻe. ʻO Vanguard ka pūʻulu kālāʻokoʻa mua e hāʻawi aku i kahi kālā kālā hoʻopuka waiwai, i kapaʻia i kēia manawaʻo Vanguard 500 Index (VFINX). Loaʻa iā lākou ka waiwai nui i hui pūʻia ma ka honua,ʻo Vanguard Total Stock Market Index (VTSMX), a me ka pūnaewele hui nui ma ka honua, Vanguard Total Bond Market Index (VBMFX). A me ka koho nui loa o nā kumu kumukūʻai nui,ʻaʻohe hoʻokomo helu helu hōʻailona,ʻo Vanguard ka mea nui loa a hoʻolako loa i ke kālā o ka helu index in the world. Hāʻawi pū lākou i nā kumukūʻai hōʻailona e hoʻohui i nā ukana like me Vanguard Balanced Index (VBINX) a me nā kumumanaʻo pūnaewele e hilinaʻi ana i nā mahele kūikawā, i kapaʻia he kālā lālā, e like me Vanguard Energy (VGENX), Vanguard Health Care (VGHCX), a me kekahi mau Exchange Traded Fund , aiʻole nā ETF, i like me ka waihona kālā. Ponoʻo Vanguard pūʻulu kālā e hōʻiliʻili i kahi $ 3,000 kumu kūʻai mua e hoʻomaka ai. ʻO ka nui o nā kālā e hele mau nei he $ 100 aʻoi paha.
- Fidelity Investments : Uaʻike nuiʻiaʻo Fidelity Investments heʻupena waihona kālā a hoʻolako i nā lawelawe hana hoʻomaha a me nā huahana, e like me 401 (k) nā papahana a me nā IRA, no nāʻoihana a me nā kānaka. ʻO ka kūpaʻa, i hoʻokumuʻia i ka makahiki 1946, kekahi o nā huiʻoihanaʻoihanaʻoihana nui loa o ka honua. E like me Fidelity Contrafund (FCNTX), i mālamaʻia e William Danoff a me Fidelity Magellan (FMAGX), i kaulana i ka makahiki 1980 e ka mea kupaianaha. ka luna hoʻokele kālā,ʻo Peter Lynch. ʻOiai he mea kūikawāʻo ka Fidelity i nā kālā likeʻole i mālamaʻia, e loaʻa ana iā lākou kekahi o nā kumukūʻai hōʻemi liʻiliʻi loa, ma ke kāleka. Eia kekahi laʻana, he hapa kālā no Fidelity 500 Index (FUSEX) he 0.09% wale nō,ʻo ia ka emi iho ma mua o ka 0.16% no ka Vanguard 500 Index. Ma muli o nā lilo haʻahaʻa, ma kahi o ka manawa, e manaʻoʻia ana ka FUSEX e hoʻopuka i ka VFINX ma ka hoʻi aku i ka mea kālā. Ma keʻano laulā,ʻo ka emi iho o nā lilo i loko e hana i kahi kālā kālā,ʻo ka hoʻi houʻana i ka mea kālā. Loaʻa i ka pono ka waihona kālā he nui e like me ka Fidelity US Bond Index (FBIDX), Fidelity Mid Cap Index (FSCLX), Fidelity Small Cap Index (FSSPX), Pono Pono Market Index (FSTMX), a me nā mea'ē aʻe. Pono ka'eneke helu hōʻailona e pono ai i kahi $ 2,500 mua o ka haipule e hoʻomaka ai. ʻO ka nui o nā kālā e hele mau nei he $ 100 aʻoi paha.
- Charles Schwab : Hoʻoike likeʻiaʻo Schwab a kapaʻia ma hope o kona mea hoʻokumu,ʻo Charles Schwab Corporation he hale kūʻai kūʻai ukali no ka hāʻawiʻana i nā kālā kālā a me nā lawelawe kālā i nā mea hoʻolale kālā. I hoʻokumuʻia i ka makahiki 1971 ma lalo o ka inoaʻo ka Hui Kuleana Mua, hoʻomakaʻo Schwab e hāʻawi i nā lawelawe hoʻokele i nā kānaka ma ka ho'ēmiʻana i ka makahiki 1975. Ma mua o kēlā manawa, ua manaʻoʻia ka hoʻokomoʻana i ka māhele kūʻai'āina e like me ke kuleana o ka mea waiwai. kāna mau laina pono'ī. ʻO kā lākou kumukānāwai helu kekahi o nā mea liʻiliʻi aʻoi loa aku ma kaʻoihana kūʻai. I loko o kā lākou papa helu hōʻailona,ʻo Schwab S & P 500 Index (SWPPX) a me Schwab Pūʻulu Stock Market (SWTSX), a heʻelua ka nui o ka palena kālā o ka pōhaku ma kahi o 0.09%, e like ana me kaʻoihanaʻoihana 0.40% no ke kālā kaulike. ʻO ka'ōkuhi mua loa o $ 100 heʻanoʻoihana hoʻi.
- Mākaʻikaʻi Kokua : Inā ua hanaʻoe i kahi noiʻi no ke kālā kālā haʻahaʻa, hiki paha iāʻoe ke lohe i nā Māhele Ake. ʻO ka hapa nui o kā lākou mau kumukānāwai hōʻuluʻulu i nā'īlekaʻoi aʻe ma mua o nā mea ma Vanguard Investments. Mālamaʻo Northern Trust i ka'āpana'āina Northern, nona ka hāʻawiʻana i kahi kālā he 50 mau kālā, aʻo ka hapa nui o ia mau waihona waiwai kumukūʻai e like me ka Northern Mid Cap Index ( NOMIX ), Northern Number Cap Index ( NSIDX ), a me ka Northern Bond Index ( NOBOX ) , o ia mau mea a pau he ratio o ka lilo o ka 0.15% a ua emi iho i lalo o nā kālā ma nāʻano likeʻole ma Vanguard.
Loaʻa i nā Pūnaewele Kū'ē Kiʻekiʻe Loa ma nā Kōleke Kūkākūkā Brokerage
Hoʻomaopopo pinepineʻia nā mea hoʻolale pūnaewele e hiki ai i nā mea kūʻai kālā i nā lā a pau ma keʻano he mau ukana ukana. ʻAʻole ka nui o nā kānaka e noʻonoʻo nei i nāʻoihana hoʻoili kālā i ka wā e noʻonoʻo ai lākou i ke kālā kālā. Ma kahi a, a no laila, ke noʻonoʻo nei lākou i kekahi o nā kamaliʻi kālā kāleka maikaʻiʻole , e like me Vanguard, Fidelity, a me T. Rowe Price. Hoʻolimalima pū nā pūnaewele punahele e hāʻawi i kahi koho nui o ke kālā'ai'ē (ʻoiaiʻaʻoleʻo lākou iho)ʻo Etrade a me TD Ameritrade. ʻO Charles Schwab kekahi mea kūʻai i nā mea kūʻai aku akā hāʻawi lākou i kā lākou mau kālā, e like me ka mea i hōʻike muaʻia ma kēia moʻolelo.
E hoʻomanaʻo i nā pūnaewele hōʻailona, a me nā hui kālā pū kekahi, ke koi pinepine nei i nā kālepa pili i ka kūʻai a kūʻaiʻana paha i nā kālā mai nā poʻe'ē aʻe. ʻO kēia mau uku keʻano haʻahaʻa loa a me ka palena o kahi $ 10 ma ke kālepa.
Hoʻolimalima pinepine nā'ālepa kūʻai i nā tausani o ke kālā pale kālā akā eʻike pono e hoʻomaka kāu hulina ma ka nānāʻana i kā lākou kohoʻana o nā kālā "no-transaction-fee" a iʻole "NTF Fund."
Nānā no nā kumukānāwai o nā kumukūʻai he koʻikoʻi
E like me kāu eʻike nei, ua mālama maikaʻiʻia nā pūʻulu hōʻuluʻulu,ʻo ia hoʻi, ke kūʻai wale nei ka pūʻulu hoʻolālā i nā palekana i loaʻa ma ka papa kuhikuhi a no lailaʻaʻole pono e hana i kekahi noiʻi a he wahi kūʻai liʻiliʻi wale nō. ʻO kēia ke mālama nei i nā kumukūʻai o loko o ka hanaʻana i nā haʻawina hōkele waiwai haʻahaʻa. No laila,ʻaʻohe kumu kūpono e kāohi ai i ka hoʻolimalimaʻana i nā mea waiwai kālā ma mua o kaʻawelike no nā kālā helu index,ʻo ia hoʻi he 0.40%.
Eia kekahi mau kumu kūʻai S & P 500 Hōkele maikaʻi loa:
- ʻO ka Nuveen Equity Index (FCEIX): 1.37% ka palena o ka hoʻolālā
- Invesco S & P 500 Index Fund (SPICX): 1.33% ka palena hoʻolālā
- ʻO ka Deutsche S & P 500 Index Fund (SXPCX): 1.32% ka palena hoʻolālā
- Wells Fargo Index (WFINX): 1.31% ka palena hoʻolālā
Ma waho aʻe o ka nui o ka uku hoʻolālā kiʻekiʻe,ʻo kēlā me kēia o nā waihona kālā kālepa e uku i ka loiloi 1.00%, i ukuʻia no ke kūʻaiʻana a me ka kūʻaiʻana i nā kumeta, e hoʻonui ana iā lākou. E hoʻomaopopo i kēia mau kālā i loaʻa nā papahele'ē aʻe'ē aʻe i emiʻole ka maikaʻi ma mua o kēia; akā,ʻoi aku ma luna o ka palena ma ka hoʻonui ka uku.
Ka Hoʻohaha:ʻO kaʻike ma kēia pūnaewele ua hoʻolakoʻia no ke kūkākūkāʻana wale nō, aʻaʻole pono e kuhiʻia e like me ka'ōlelo aʻo kālā. ʻAʻohe kumu e hōʻikeʻia kēiaʻikepili i manaʻo e kūʻai a kūʻai aku i nā palekana.