Nā Kōkeleke'Aiwi Mutual i Loaʻa iāʻoe nā Kūlā Kūikawā, NāʻImiʻImi Waiwai, a me nā mea'ē aʻe
ʻO ka hapanui o ka manawa e hanaʻia kēia ma hope o ka heluheluʻana i loko o kahi pūʻulu hoʻolimalima a me kaʻike o ka mea kuleana e loaʻa ana i kahi kālā he mauʻano likeʻole. ʻAʻole hiki keʻike maopopo i keʻano o kaʻokoʻa ma waena o ke kālā, akā i ka hapanui o nā hihia,ʻo kekahi kālā e hāʻawi ana i nā lihi liʻiliʻi a me nā koina hoʻolālā no ka nui o nā kālā.
I kekahi manawa, makemake kekahi puʻu kālā e hoʻokipa iā ia i nā mea kūʻai kālā mom-a-pop ("retail" investors) a me nā hui nui, nā penihana penikala , a me nā waiwaiʻole ("nā hoʻokumu waiwai"). ʻO ka pahuhopu me ka hāʻawiʻana i kahi kōmike kūpono i ka koho kūikawā no nāʻanoʻelua o nā mea waiwai kālā,ʻo ia kaʻoihana nui o nā mea kūʻai aku i ka waiwai e hōʻoleʻole i nā uku hoʻolimalima uku i ukuʻia e ka poʻe mea kūʻai waiwai nui.
Ma mua o ka hāʻawiʻana iʻelua kālā kālā likeʻole,ʻaʻole i maikaʻi, nui ka nui o ka waihona kālā e hoʻoholo i nā papa likeʻole no ke kōpana waiwai like. Hiki i kekahi papa ke noi aku i nā mea kūʻai kālā kālepa a hiki i hoʻokahi papa ke noi aku i nā mea hoʻolale kālā. I kekahi manawa, aia kekahi hapa waena o nāʻene. E loaʻa ana i nā mahele likeʻole nā kuhi likeʻole, nā hoʻolimalima kūʻokoʻa, nā uku hoʻolimalima a me nā ukana kūʻai.
Ke nānā aku nei i kahi hōʻoia o ka Honua o nā Mutual Fund Share Classes
I mea e kōkua ai iāʻoe e hoʻomaopopo i ka manaʻo o nā papa kālā kālā a pau, e nānā i nā papa o ke kālāʻo Vanguard S & P 500 , kahi o nā huahana waiwai kaulana loa o ka honua nei.
Loaʻa ka waihona kālā Index Vanguard 500 ma nāʻano papa likeʻole:
- ʻO ka hana kālā kālā ma lalo o ka hōʻailona hōʻailona VFINX a he 0.14% ka lālā hoʻolālā a me kahi kālā $ 3,000 emi loa.
- ʻO ka hana kālāʻo Admiral Shares ma lalo o ka hōʻailona hōʻailona VFIAX a he 0.04% ka lālā hoʻolālā a me kahi kālā $ 10,000.
- ʻO ka'eneke kālā kālā kālā ma lalo o ka hōʻailona hōʻailona VINIX a loaʻa he ratio 0.04% hoʻolālā a me kahi $ 5,000,000 ke emi loa.
- ʻO ke kālā hōʻemi o ke InstitutionʻO kaʻoihana kūʻai ma lalo o kahi hōʻailonaʻo VIIIX a he 0.02% ka palena o ka hoʻolālā a me kahi $ 100,000,000 emi loa.
E like me kāu eʻike ai, ma muli o keʻano o nā māhele āu e kūʻai ai, hiki ke kau palenaʻole mai $ 3,000 a $ 100,000,000 a he nui loa ka pālākiō hoʻolālā ma kāu waihona kālā.
Hiki iā mākou ke hōʻiliʻili i nā kōkua'ē aʻe mai nā hui pūnaewele
ʻO nā pōmaikaʻi o ka uluʻana i kāu kōkolepiliʻaʻole i pau i ka loaʻaʻana i nā haʻawina kālā hoʻoili kālā haʻahaʻa. Nui nā kumu kālā i hāʻawi aku i nā pono hou e pili ana i ka nui o nā waiwai i loaʻa iāʻoe ma lalo o ko lākou hale pāʻani e like me ka nui o nā mea hoʻolaha hoʻolaha i hoʻokomoʻia no nā kālā i hoʻonohonoho ponoʻia e hoʻolako i nā mea waiwai a me nā upena nui e pono ai nā mea waiwai.
No ka hōʻailonaʻana me kā mākou Vanguard hiʻohiʻona, inā he $ 50,000 a $ 500,000 i hoʻolakoʻia ma Vanguard ma ke kālā a me nā ETF , hiki iāʻoe ke kūpono i ka papahana Voyager Service,ʻo ia hoʻi, kaʻoihana lima-ukuʻole ma nā ETF a kāleka a me nā'āmike kūpono ma nā kumukūʻai. a me nā non-Vanguard ETF.
Eia hou,ʻaʻohe pili kālā.
Inā loaʻa iāʻoe he $ 500,000 a $ 1,000,000 i hoʻolakoʻia ma ka waihona kālā a Vanguard a me nā ETF, hiki iāʻoe ke kōkua iā Vanguard's Voyager Select Services, aʻo nā mea kālā iʻoi aku i ka $ 1 miliona ma Vanguard a me nā ETF e hiki ke kōkua iā Vanguard's Voyager Flagship Services. Hāʻawiʻia kēlā me kēia haʻawina i ka nui o nā kōkua no ka poʻe kālā. ʻO ia,ʻoiaʻiʻo, aia ma luna o kaʻoiaʻiʻo ua nui nā haʻawina kālā e uku nei i kāu kālā ma o ka hoʻokomoʻana i nā papaʻoihanaʻoi aku!
Nā mea hou e pili ana i ka waihoʻana ma nā Mutual Funds
No kaʻike houʻana e pili ana i ka'āpana kālā kālepaʻana, heluhelu i ka Hōʻike Aʻo o ka Beginner no kaʻImiʻana i nā Mutual Funds , kahi hōʻiliʻili o kekahi mau waihona waiwai a me nā kumu waiwai o kēlā me kēia pūnaewele.