ʻO Vanguard Total Stock Market IndexʻIke kālā a me nā mea'ē aku
Ma mua o ka nininiʻana i ka hōʻailona kūʻai nui o nā kumukūʻai o ka māhele'āina, e nānā mākou i ka wehewehe a me nāʻano hiʻona eʻike aiʻoe inā pili kēia mau kālā iāʻoe a me kāu mau pahuhopu palekana.
Eia ka mea eʻike ai e pili ana i ka nui o nā kumukūʻai helu helu index:
Ka hōʻuluʻulu waihona kālā kūʻai kālā
ʻO ka hōʻuluʻulu kālā hōʻuluʻulu'āina a pau kahi waihona kālā e mālama i loko o ka hīnaʻi lāʻau e hoʻohālike loa ana i nā paʻahao a me ka hoʻokōʻana o kahi palena'āina kūʻai nui, e like me ka Wilshire 5000 aʻo Russell 3000,ʻo ia kekahi hapa nui o ka US a iʻole kaʻaha kūʻokoʻa honua. Eia kekahi laʻana,ʻo nā kuleana o ka Wilshire 5000 a me Russell 3000 ka heluʻana i ka hapa nui o nā hale kūʻai o nā US i kūʻaiʻia ma ke kālepa kālā, aʻo ia ke kumu i hoʻokomo pinepineʻia ai ka inoa o ka "māhele kūʻai" i ka inoa o ka waihona kālā.
E like me ka S & P 500 Index Funds ,ʻo ka Wilshire 5000 he makai makamae-makai,ʻo ia hoʻi,ʻo ka nui o nāʻoihana (ʻoi aku ka nui o ka heluna) e hōʻike i ka hapa nui (ʻo ia hoʻi ma waena o nā puʻukū kiʻekiʻe) ma ka pakeneka ma mua o nā hui liʻiliʻi. Eia kekahi laʻana,ʻo nā puʻukū kiʻekiʻe ma Wilshire 5000 e komo i nā hui nui e like me Apple (AAPL), Facebook (FB), a me Microsoft (MSFT).
ʻO kekahi o nā kumukūʻai hōʻailona waiwai e hilinaʻi ana i nā lāʻau ma waho o ka US.ʻO kēia mau kumuhana e nānā mau i ka helu'āina likeʻole me ka FTSE Global All Cap ex US Index.
Ponoʻoe e hoʻohana i kahi hōʻuluʻuluʻauhau kālā hōʻemi?
I kekahi manawa,ʻo ke kumu nui o ka hoʻohanaʻana i kahi Pūʻulu Kū'ē'Olepaʻi Pūnaewele he mea nui ia i loko o kahi kōpuni o ke kālā palekana (ʻo ia hoʻi Core and Satellite Portfolio Strategy ).
ʻO ke kumu o kēia mea, hiki i nā mea waiwai ke komo i ka māhele kūʻai kūʻokoʻa oʻAmelika a pau i loko o kahi kālā uku haʻawina. Hiki iā lākou ke kūkulu i kēlā me kēiaʻano me nā paʻa'ē aʻe e pili ana i nāʻanoʻano likeʻole.
Hiki i nā mea waiwai nui ke hoʻohana i kekahi o nā S & P 500 Index Funds i mau kumu koʻikoʻi no ka hanaʻana o ka hōʻikeʻana i ka Total Stock Market Index Funds (ma muli o ka kaumaha kaumaha o nā koʻokoʻo nui ma nā mea kiʻekiʻe). Eia naʻe,ʻo ka hōʻuluʻulu kālāʻo Total Stock Market ke hāʻawi aku nei i kaʻoi aku kaʻoi aku ma mua o ka waihona kālā S & P 500. Ma waho aʻe o nā kumukūʻai nui loa o US, loaʻa iāʻoe nā liʻiliʻi liʻiliʻi a me ka hapalua o nā kumukūʻai ma ka hōʻuluʻulu helu waiwai.
No laila, aia ma waena o nā poho waena a me nā puʻupuʻu liʻiliʻi i loko o kahi hōʻuluʻuluʻauhau hōkū o nā ukana a me nā kālā'ē aʻe i loko o kāu kōpili. No kēia kumu, makemake nui nā mea kālā e hoʻohana ana i kahi waihona S & P 500 Index, me kahi pūʻulu hōʻemi penikala kūʻokoʻa, i mea e holomua ai i kaʻoihana maikaʻi. No laila, ināʻoe e hoʻohana i kahi pūʻulu helu helu helu, eʻike i ka loaʻaʻana o nā paʻa'ē aʻe i nā hui likeʻole.
ʻO Vanguard Total Stock Market Market (VTSMX) a meʻekolu mau hōʻailona waiwai e like me ia
ʻO ka pūʻulu helu hōʻemi nui o kēlāʻano kēiaʻano,ʻo ia ka mea i loaʻa nā kumukūʻai haʻahaʻa haʻahaʻa a hāʻawiʻia e nā hui kālā nui a kālepa kālā i kūʻaiʻia (ETF) .
- ʻO Vanguard Total Stock Market Market (VTSMX):ʻO Vanguard ka mea helu inoa inoa a me VTSMX i loko o ka papa helu helu mua e kiʻi ai i ka māhele kūʻai. ʻO kaʻoiaʻiʻo,ʻo Vanguard Total Stock Market Market (VTSMX) ka waihona kālā nui loa ma ka honua nei . Me ka'enekele hoʻolālā o 0.18%, ua hoʻokumuʻo VTSMX i kahi paʻa paʻa e mālama ai i kēlā me kēia kōpana waihona kālā.
- ʻO ka'eneke kālā hoʻolālāʻo Zambanui (SWTSX): Me ka'āpana hoʻolālā o 0.11%, ua paʻakikī ka paʻiʻana i SWTSX keʻoleʻoe e hiki ke loaʻa nā kuhi haʻawina haʻahaʻa me kahi o Vanguard's Admiral Shares.
- IShares Russell 3000 Index Fund (IWV): ʻO kēia kahi Exchange Exchange Trading (ETF) e hana maikaʻi ana no ka poʻe mea waiwai e makemake ana e hoʻohana i nā ETF no ko lākou hiki ke kūʻai aku i loko o ka manawa likeʻole iʻole e hiki ke kūʻai i kekahi mau ETF me kaʻole nā uku kālepa (ʻo kekahi hui kālā hui e uku i nā uku no ke kālepaʻana i kekahi kālā hōʻalima). ʻO ka'ōkuhi kālā o ka IWV he 0.20%.
- ʻO Vanguard Kakihi Mahele Mahele Mokupuni International (VGTSX) :ʻO kekahi o nā kālā kūʻai kālā ma nā waho o United States aʻo VGTSX kekahi o nā mea maikaʻi loa. Mālamaʻo VGTSX i ka FTSE Global All Cap ex US Index, kahi iʻoi aku ma mua o 6,000 mau kikohana o nāʻoihana i loko o nā'elehua a me nā mākeke e kū nei.
Hiki i nā hōʻailona waihona kālā kaulike ke kūpono i nā mea waiwai eʻimi ana i kahi kālā likeʻole e like me keʻokoʻaʻokoʻa (aʻoi aku kaʻoi aku) ma keʻano he paʻa paʻa i loko o kahi kōnaewaiwai likeʻole.
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.