E nānā i kekahi o nā kālā hoʻokupu maikaʻi i hāʻawiʻia e Vanguard
ʻOiaiʻo Vanguard Investments kahi iʻike nuiʻia no nā kālā o ka papa kuhikuhi, e like me ke kālā nui ma ka honua nei ,ʻo Vanguard Total Stock Market Index (VTSMX) , a me kekahi o nā S & P 500 Index Funds , Vanguard 500 Index (VFINX) , Vanguard ka pūnaewele paʻa maikaʻi e kūʻai.
Nā pōmaikaʻi o nā kālā kālāʻo Vanguard's Bond
ʻO nā lilo haʻawina he mea nui loa no ke kālā kūpono maikaʻi loa akā akā, he mea koʻikoʻi ka liʻiliʻi o ka uku no ka loaʻaʻana o ka hōʻailona ma ka honua o ke kālā paʻa.
Ke hiki wale ke hoʻokaʻawaleʻia nā kālā pilikino maikaʻi loa mai nā meaʻoi loa, hiki i nā haʻawina hoʻolimalima o nā kālā kālāʻo Vanguard ke lilo i mea nui loa no nā kālā pilikino ma mua o ka loaʻaʻana o nā pūnaewele hōʻailona maikaʻi. No kēia kumu,ʻo kā Vanguard mau kuhi haʻawina haʻahaʻa he mea kūpono loa loa ia no kā lākou kālā pilikino e hoʻohālikeʻia me kekahi.
No ka'eneke helu moʻokāki o Vanguard, hiki i ka papa hana hoʻolālā ke hāʻawi i kahi kūlike kūpono no nā mea waiwai. No kekahi, ʻo ke kālā i loaʻa i ka mālama ponoʻia he emi iho ka lilo ma mua o ka loaʻaʻana o ka loaʻa kālā no ka mea he nui ka noiʻi a me ka hōʻiliʻiliʻana. Hiki i ka luna hoʻonohonoho waihona waihona ke hahai i ka helu kuhikuhi haʻahaʻa, akāʻo ka mea hoʻohana i ka wā e ho'āʻo ana e paʻi i ka hae. No nā kālā kālā paʻa, uaʻike pinepineʻia kēia pae'āina e ka Barclays Aggregate Bond Index ,ʻo ia ka hōʻailona pilina nui e uhi ana i nā kālepaʻoihana a US aʻo kekahi mauʻaʻai haole i kālepaʻia ma ka US.
ʻO ka hoʻohanaʻana i ka hōʻuluʻulu helu hiki ke lilo i mea maikaʻi no ka mea, hoʻoneʻe ka papa hana i ka hopena o ka hana kālā o ka meaʻai kālā, e like me ke kuhihewaʻana i ka hoʻokele waiwai e like me ke kaʻina o nā uku kumukūʻai.
Nā Waihona Bond Bond Hou Mai Vanguard
Me kēlā mau kālā kūpono kālā, eia nāʻekolu o nā pūnaewele paʻa maikaʻi i hāʻawiʻia e Vanguard Investments:
- ʻO Vanguard Total Bond Market Index (VBMFX) : Me kahi'āpana hoʻolālā o ka 0.20% wale nō, loaʻa nā'āpana kālā i ka nui i nā kumukūʻai e like me ka nui o nā kālā pilikino a me nā lilo haʻahaʻa e unuhi i loko o ka hoʻihoʻi maikaʻi, ma kahi o ka lōʻihi. Mālamaʻo VBMFX i ka HōʻuluʻuluʻAhahuiʻo Barclays. No nā makahiki o 10 mau makahiki aʻoi aku paha, hiki i nā mea kālā ke hoʻolālā e hālāwai a paʻi paha i nā kumukūʻai o ka waihona kālā maʻamau.
- ʻO Vanguard Intermediate-Term Investment Grade (VFICX) :ʻOiaiʻo VFICXʻaʻole he kālā helu hōkū,ʻo ka liʻiliʻi o ka hoʻolālā he emi he 0.20%. A eia kekahi,ʻaʻole i mālama mau ka'ōnaehana hoʻolālā i mua o ka hōʻailona kuhikuhi, uaʻoi aku ka maikaʻi o kaʻikeʻana i nā manawa lōʻihi ma mua o ka waihona helu helu like VBMFX.
- Vanguard Short-Term Investment Grade (VFSTX) :ʻO nā lā liʻiliʻi pōkole ka loaʻaʻana o nā hua haʻahaʻa a me nā loiloi lalo, i ka hoʻohālikelikeʻana i nā palena waena a me nā lā lōʻihi. ke piʻi nei nā uku uku. I kēia manawa, ināʻaʻoleʻoe iʻike mua, hiki paha iāʻoe ke noʻonoʻo i keʻano o ka "investment grade". Mālamaʻia nā bila e ko lākou kūlana pono. Ma muli o kaʻaelike hoʻonālā, aia nā hōʻike mai AAA (ke kiʻekiʻe loa) i D (ināʻole). ʻO ka haʻawina kālā he kahua waena,ʻo ia keʻano o ka AAA a hiki i ka BBB. ʻO kahi hōʻailona o ka hoʻopaʻa inoa AAA i hoʻopaʻaʻiaʻo ia ka hōʻailona treasury US. I ka unuhiʻana, hoʻokaʻawale kālā kāpili i nā kālā i kaupalenaʻia ma ka awelika o nāʻaina kikolele. ʻO ka uku no nā mea hoʻolale kālā,ʻo ia ka huaʻana a me nā manawa lōʻihi e hiki ke piʻi aʻe, ma kahi lōʻihi loa, ma kahi i hoʻohālikelikeʻia me kekahi kālā hoʻopaʻa pōkole pōkole e like me VFSTX.
ʻO nā ukuʻekolu o nā kumukūʻai o Vanguard i luna iho nei he kumu kūʻai mua loa ia o $ 3,000.
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.