ʻO kahi Kōnae Hōʻailonaʻo Vanguard Funds
Malia pahaʻo ka mea paʻakikī wale nō o ke kūkuluʻana i kekahi kōpana waiwai me Vanguard kālā e hōʻemi ana i nā koho i ka kohoʻana i kekahi mau kālā eʻoi loa ana no kāu mau pono. Nui nā mea e koho mai!
ʻO Vanguard paha ke heleʻana i kahi no ka hoʻokomoʻana i nā kumukūpū helu , akā loaʻa iā lākou kekahi o nā kālāʻoi aku iʻoi aku kaʻoi aku o kaʻoihana hana i hiki ke kūʻai aku.
Me keʻano kūlana kiʻekiʻe o ka koina kiʻekiʻe, kahi kālā pilikino ukiukiʻole,ʻaʻohe pono e hoʻolako i nā hui kālā.
E hoʻomaka me kaʻoihanaʻoi akuʻoi aku
Ma mua o ko mākou kohoʻana i nā kālā Vanguard maikaʻi loa e hoʻohana ai no kā mākou kōpili, e nānā mākou i kahi papahana kikowaena maʻalahi, i kapaʻia ka piko a me ka satellite , e like me keʻano: Ua kūkuluʻia ke kōpuni e pili ana i kahi "paʻa paʻa," e like me nui ka poʻomanaʻo waiwai nui, kahi i nui loa aku o ka pūnaewele, a me nāʻano pūnaewele-ʻo "nā wahi o ka satellite" -ʻo ia hoʻi nā hapa liʻiliʻi o ke kōpili e hoʻopau ai i ka holoʻokoʻa. ʻO nā satellite ka waihona o nā kālā mai nāʻano likeʻole, e like me nā waiwai'ē, nā ukana liʻiliʻi, nā kālā pilikino, a ma kekahi manawa ka waihonaʻoihana .
ʻO ka pahuhopu nui o kēia hoʻolālā hoʻopukapihoʻana e hoʻemi i ka hopena ma o ka hoʻonuiʻana (waiho i kāu mau hua i loko o nā waihona likeʻole) i ke kikowaenaʻana (loaʻa kaʻike kiʻekiʻe ma mua o) kahi pae'āina maʻamau no ka hana, e like me ka S & P 500 Index .
Ka Pakuhi Pōpili o nā Vanguard Funds Best
I kēia manawa, he akamai mākou no kā mākou papahana kālāʻo Vanguard, hiki iā mākou ke nānā aku i kahi hiʻohiʻona e hiki ke lilo i kumu hoʻohālike e kūkulu i kāu iho waihona waihona:
- 35% Vanguard 500 Index (VFINX): Pāpale nui kālepa US
- Ka 15% Vanguard Paʻa Hōʻike Kū'ē o ka Moku'āina (VGTSX): Nā'āina'ē
- 10% Vanguard Explorer (VEXPX): Pākeʻi liʻiliʻi
- 5% Vanguard Health Care (VGHCX): Nānā Kākoʻo Ola
- 35% Mokuna Palena Bond Makahiki (VBMFX): Nā Bona
ʻO kēia hui pūnaewele o Vanguard kālā he kumu ia o kahi kōpena kūpono , i kūpono i ka mea kūʻai kālā me kahi kūlana palekana kūpono a me ka manawa kūpono o 5 mau makahiki. Hoʻolālā nā kānaka waiwai kūpono eʻae i nā manawa o ke kūlana kūʻokoʻa o ka māhele (ʻoihana a me lalo i ka helu waiwai) ma ke kūʻaiʻana no ka hiki ke loaʻa ka hōʻailona e hoʻonui i ka hoʻonuiʻana i kahi palena nui. ʻO ka hoʻokaʻawaleʻana i ka'āpana waiwai he 65% mau'āpana a me 35% mau koina.
ʻO ka hoʻohanaʻana i nā kālā o ka lālā, e like me VGHCX he koho. Inā hoʻohuiʻia kekahi mau lālā, e mālama pono i ka hoʻolālāʻana i ka 5% no kēlā me kēia mehana a ho'āʻoʻaʻole eʻoi aku ma mua o ka 15% o ka hoʻoiliʻana i nā mahele (ʻo ia hoʻi 5% i hoʻokaʻawaleʻia i 3 mau waihonaʻoihana).
ʻO ka lālā Lazy Portfolio
Uaʻike pahaʻoe i kēia papawai kiʻi like me nā pūnaewele ikaika a Vanguard e mālama pono a me nā pūʻulu kuhikuhi. Akä, ua maopopo ka maopopo o nä mea waiwai e like me ka manaÿo o ka hoÿokomo waiwai wale ana ma Vanguard. ʻO ia ke kumu no ka liʻiliʻi o ka hoʻolālā liʻiliʻi loa a ke hahai nei lākou i ko lākou mau pūʻali poʻohiwi, e ho'ēmi ana i ka pilikino i pili i nā kālā hana .
Ma muli o keʻano o ka pūnaewele hōʻailona, makemakeʻia kekahi poʻe kālepa e hoʻolaha aku i kahi pūnaewele hōʻuluʻulu kuhikuhi i kahi " palepa wikiwiki ." Eia kekahiʻano hoʻohālike o kahi waihona haʻahaʻa o nā kālā a Vanguard:
40% Vanguard Total Stock Market Market Fund
30% Vanguard Pūʻulu Hōʻike Hōʻikeʻike Waihona Pūnaewele
30% Mokuna Paʻaʻo Bond Market IndexʻIke kālā
ʻO kēia lazy polekia kekahiʻano hoʻokaʻawale haʻahaʻa, he 70% mau'āpana a me 30% mau koina.
Ma waho o kahi kālā a Vanguard e koho ai, pono e hoʻohanaʻoe i nā hui likeʻole o nā hui kālā a me ka hahai i kēia mau kulekele ma ka hōʻikeʻana i nā kālā kālā .
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.