{"id":479311,"date":"2023-11-28T23:35:21","date_gmt":"2023-11-29T07:35:21","guid":{"rendered":"https:\/\/nai500.com\/?p=479311"},"modified":"2023-11-28T23:35:21","modified_gmt":"2023-11-29T07:35:21","slug":"%e7%be%8e%e5%9b%bd%e8%b5%84%e4%ba%a7%e7%ae%a1%e7%90%86%e8%a7%84%e6%a8%a1%e6%9c%80%e5%a4%a7%e7%9a%8410%e5%8f%aa%e5%85%b1%e5%90%8c%e5%9f%ba%e9%87%91","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hans\/blog\/2023\/11\/%e7%be%8e%e5%9b%bd%e8%b5%84%e4%ba%a7%e7%ae%a1%e7%90%86%e8%a7%84%e6%a8%a1%e6%9c%80%e5%a4%a7%e7%9a%8410%e5%8f%aa%e5%85%b1%e5%90%8c%e5%9f%ba%e9%87%91\/","title":{"rendered":"\u7f8e\u56fd\u8d44\u4ea7\u7ba1\u7406\u89c4\u6a21\u6700\u5927\u768410\u53ea\u5171\u540c\u57fa\u91d1"},"content":{"rendered":"<p>\u5f88\u591a\u6295\u8d44\u8005\u5728\u6bd4\u8f83\u57fa\u91d1\u7684\u65f6\u5019\u975e\u5e38\u5173\u6ce8\u603b\u6536\u76ca\u7387\u8fd9\u4e2a\u6307\u6807\uff0c\u800c\u57fa\u91d1\u7684\u4f53\u91cf\u4e5f\u4f1a\u5f71\u54cd\u5230\u4f60\u7684\u603b\u6536\u76ca\u7387\u3002\u4e00\u822c\u6765\u8bf4\uff0c\u5171\u540c\u57fa\u91d1\u7684\u8d44\u4ea7\u7ba1\u7406\u89c4\u6a21\uff08AUM\uff09\u8d8a\u5927\uff0c\u8d39\u7528\u7387\u901a\u5e38\u8f83\u4f4e\u3002\u4e0d\u8fc7\u8fd9\u4e5f\u4e0d\u662f\u7edd\u5bf9\u7684\uff0c\u6709\u4e9b\u5927\u578b\u7684\u5171\u540c\u57fa\u91d1\u76f8\u6bd4\u4f4e\u6210\u672c\u7684\u6307\u6570\u57fa\u91d1\uff0c\u5c24\u5176\u662f\u4f4e\u6210\u672c\u7684\u4ea4\u6613\u6240\u4ea4\u6613\u57fa\u91d1\uff08ETF\uff09\u8d39\u7528\u7387\u4f9d\u7136\u504f\u9ad8\u3002<\/p>\n<h2>\u5982\u4f55\u6311\u9009\u5171\u540c\u57fa\u91d1\uff1f<\/h2>\n<p>\u5171\u540c\u57fa\u91d1\u6709\u4e3b\u52a8\u578b\u4e5f\u6709\u88ab\u52a8\u578b\u7684\uff0c\u9664\u4e86\u4e0a\u9762\u63d0\u5230\u4e86\u8d39\u7528\u7387\uff0c\u6211\u4eec\u8fd8\u5e94\u5f53\u5173\u6ce8\u5171\u540c\u57fa\u91d1\u7684\u5386\u53f2\u6536\u76ca\u7387\u4ee5\u53ca\u8d44\u4ea7\u914d\u7f6e\u3002\u6709\u7684\u57fa\u91d1\u6839\u636e\u6295\u8d44\u673a\u4f1a\uff0c\u6bd4\u5982\u8bf4\u79d1\u6280\u516c\u53f8\u548c\u5927\u76d8\u80a1\u914d\u7f6e\u8d44\u4ea7\uff0c\u6709\u7684\u6839\u636e\u98ce\u9669\u627f\u53d7\u80fd\u529b\u914d\u7f6e\u8d44\u4ea7\uff0c\u8fd8\u6709\u7684\u76f4\u63a5\u8ddf\u8e2a\u7c7b\u4f3c\u6807\u666e500\u6307\u6570\u8fd9\u6837\u7684\u6307\u6570\u3002<\/p>\n<h2>\u5171\u540c\u57fa\u91d1\u548cETF<\/h2>\n<p>ETF\u53ef\u4ee5\u5168\u5929\u5b9e\u65f6\u4ea4\u6613\uff0c\u4ef7\u683c\u6ce2\u52a8\u8ddf\u80a1\u7968\u6ca1\u6709\u4ec0\u4e48\u5dee\u5f02\uff0c\u800c\u5171\u540c\u57fa\u91d1\u7684\u4e70\u5356\u6307\u4ee4\u5728\u6536\u76d8\u65f6\u6267\u884c\uff0c\u56e0\u6b64\u4ef7\u683c\u6bcf\u5929\u53d8\u52a8\u4e00\u6b21\uff0c\u56e0\u6b64\u66f4\u52a0\u9002\u5408\u88ab\u52a8\u578b\u7684\u6295\u8d44\u8005\u3002\u6b64\u5916\uff0c\u6295\u8d44\u8005\u8fd8\u53ef\u4ee5\u4ea4\u6613\u8ddf\u8e2aETF\u7684\u671f\u6743\uff0c\u4ee5\u53caETF\u7684\u9650\u4ef7\u5355\u548c\u6b62\u635f\u5355\u7b49\u5404\u79cd\u59d4\u6258\u5355\uff0c\u65b9\u5f0f\u66f4\u52a0\u591a\u6837\u3002\u4e0d\u8fc7\uff0c\u6709\u7684\u5171\u540c\u57fa\u91d1\u4e5f\u63d0\u4f9bETF\u7684\u6295\u8d44\u9009\u62e9\u3002<\/p>\n<p><strong>\u7f8e\u56fd\u6700\u5927\u7684\u5171\u540c\u57fa\u91d1<\/strong><\/p>\n<p>\u57fa\u4e8eFidelity\u7684Mutual Fund Research\u7684\u6570\u636e\uff0c\u4ee5\u4e0b\u662f\u7f8e\u56fd\u8d44\u4ea7\u7ba1\u7406\u89c4\u6a21\u6700\u5927\u768410\u53ea\u5171\u540c\u57fa\u91d1\uff08\u622a\u81f310\u670831\u65e5\uff09<\/p>\n<table width=\"567\">\n<tbody>\n<tr>\n<td width=\"170\"><strong>\u5171\u540c\u57fa\u91d1<\/strong><\/td>\n<td width=\"94\"><strong>\u8d44\u4ea7\u7ba1\u7406\u89c4\u6a21<\/strong><\/td>\n<td width=\"57\"><strong>\u8d39\u7528\u7387<\/strong><\/td>\n<td width=\"246\"><strong>\u5173\u952e\u4fe1\u606f<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"170\"><a href=\"https:\/\/nai500.com\/zh-hans\/%e8%82%a1%e7%a5%a8%e6%9f%a5%e8%af%a2\/?qm_symbol=VTSAX\">Vanguard Total Stock Market Index Fund Admiral Sales (ticker:\u00a0VTSAX)<\/a><\/td>\n<td width=\"94\">1.3\u4e07\u4ebf\u7f8e\u5143<\/td>\n<td width=\"57\">0.04%<\/td>\n<td width=\"246\">\u4ee5\u79d1\u6280\u4e3a\u91cd\u70b9\u76843793\u53ea\u80a1\u7968\uff0c\u6700\u4f4e\u6295\u8d44\u989d\u8981\u6c423000\u7f8e\u5143\uff0c\u4ee5CRSP U.S. Total Market Index\u4e3a\u57fa\u51c6\uff0c\u8fc7\u53bb12\u4e2a\u6708\u7684\u6536\u76ca\u7387\u4e3a1.6%<\/td>\n<\/tr>\n<tr>\n<td width=\"170\">Vanguard 500 Index Fund Admiral Shares (VFIAX)<\/td>\n<td width=\"94\">8512\u4ebf\u7f8e\u5143<\/td>\n<td width=\"57\">0.04%<\/td>\n<td width=\"246\">\u5927\u578b\u6df7\u5408\u578b\u57fa\u91d1\uff0c\u6709ETF\u53ef\u4f9b\u9009\u62e9\uff0c\u6700\u4f4e\u6295\u8d44\u989d3000\u7f8e\u5143\uff0c\u4ee5\u6807\u666e500\u6307\u6570\u4e3a\u57fa\u51c6\uff0c\u591a\u6570\u8d44\u4ea7\u6295\u8d44\u4e8e\u4fe1\u606f\u6280\u672f\u677f\u5757<\/td>\n<\/tr>\n<tr>\n<td width=\"170\">Fidelity 500 Index Fund (FXAIX)<\/td>\n<td width=\"94\">4076\u4ebf\u7f8e\u5143<\/td>\n<td width=\"57\">0.015%<\/td>\n<td width=\"246\">1988\u5e74\u6210\u7acb\u7684\u5927\u578b\u6df7\u5408\u578b\u57fa\u91d1\uff0c\u590d\u5236\u6807\u666e500\u6307\u6570\u7684\u6536\u76ca\u7387\uff0c\u91cd\u4ed3\u80a1\u4e3b\u8981\u662f\u79d1\u6280\u516c\u53f8<\/td>\n<\/tr>\n<tr>\n<td width=\"170\">Vanguard Total International Stock Index Fund Admiral Shares (VTIAX)<\/td>\n<td width=\"94\">3544\u4ebf\u7f8e\u5143<\/td>\n<td width=\"57\">0.11%<\/td>\n<td width=\"246\">\u4ee5FTSE Global All Cap ex U.S. Index\u4e3a\u57fa\u51c6\uff0c\u6700\u4f4e\u6295\u8d44\u989d3000\u7f8e\u5143\uff0c\u5927\u7ea68500\u53ea\u80a1\u7968<\/td>\n<\/tr>\n<tr>\n<td width=\"170\">Fidelity Government Money Market Fund (SPAXX)<\/td>\n<td width=\"94\">2900\u4ebf\u7f8e\u5143<\/td>\n<td width=\"57\">0.42%<\/td>\n<td width=\"246\">\u6295\u8d44\u7f8e\u56fd\u77ed\u671f\u503a\u7684\u4f4e\u98ce\u9669\u8d27\u5e01\u5e02\u573a\u57fa\u91d1\uff0c\u53d7\u76ca\u4e8e\u9ad8\u5229\u7387<\/td>\n<\/tr>\n<tr>\n<td width=\"170\">Fidelity Government Money Market Fund Premium Class (FZCXX)<\/td>\n<td width=\"94\">2900\u4ebf\u7f8e\u5143<\/td>\n<td width=\"57\">0.32%<\/td>\n<td width=\"246\">\u8d27\u5e01\u5e02\u573a\u57fa\u91d1\uff0c\u8d39\u7528\u7387\u8f83\u4f4e\u4f46\u6700\u4f4e\u6295\u8d44\u989d\u8fbe10\u4e07\u7f8e\u5143<\/td>\n<\/tr>\n<tr>\n<td width=\"170\">Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX)<\/td>\n<td width=\"94\">2875\u4ebf\u7f8e\u5143<\/td>\n<td width=\"57\">0.05%<\/td>\n<td width=\"246\">\u6295\u8d44\u7f8e\u56fd\u56fd\u503a\u548cMBS\u7684\u503a\u5238\u57fa\u91d1\uff0c\u521d\u59cb\u6295\u8d44\u989d3000\u7f8e\u5143\uff0c\u8ddf\u8e2aBloomberg U.S. Aggregate Float Adjusted Index\uff0c\u8fc7\u53bb12\u4e2a\u6708\u7684\u6536\u76ca\u7387\u4e3a3.2%<\/td>\n<\/tr>\n<tr>\n<td width=\"170\">Fidelity Government Cash Reserves (FDRXX)<\/td>\n<td width=\"94\">2235\u4ebf\u7f8e\u5143<\/td>\n<td width=\"57\">0.4%<\/td>\n<td width=\"246\">\u6210\u7acb\u4e8e1979\u5e74\u805a\u7126\u4e8e\u7f8e\u56fd\u77ed\u671f\u56fd\u503a\u7684\u4f4e\u98ce\u9669\u57fa\u91d1\uff0c99.5%\u7684\u8d44\u4ea7\u6295\u8d44\u4e8e\u73b0\u91d1\u4ee5\u53ca\u7f8e\u56fd\u653f\u5e9c\u8bc1\u5238\u548c\u56de\u8d2d\u534f\u8bae<\/td>\n<\/tr>\n<tr>\n<td width=\"170\">American Funds The Growth Fund of America Class A (AGTHX)<\/td>\n<td width=\"94\">2143\u4ebf\u7f8e\u5143<\/td>\n<td width=\"57\">0.63%<\/td>\n<td width=\"246\">\u9002\u5408\u6210\u957f\u578b\u6295\u8d44\u8005\uff1b\u7f8e\u56fd\u80a1\u7968\u5360\u57fa\u91d1\u603b\u8d44\u4ea7\u7684\u8d85\u8fc780%\uff0c\u591a\u6570\u662f\u5927\u5e02\u503c\u6210\u957f\u80a1\uff0c\u6700\u4f4e\u6295\u8d44\u989d250\u7f8e\u5143<\/td>\n<\/tr>\n<tr>\n<td width=\"170\">American Funds The Growth Fund of America Class C (GFACX)<\/td>\n<td width=\"94\">2143\u4ebf\u7f8e\u5143<\/td>\n<td width=\"57\">1.39%<\/td>\n<td width=\"246\">\u6700\u4f4e\u6295\u8d44\u989d250\u7f8e\u5143\uff0c\u76ee\u524d\u6301\u6709327\u53ea\u80a1\u7968\uff0c\u8d39\u7528\u7387\u9ad8\u4e8eAGTHX\uff0c\u4f46\u4eca\u5e74\u8fc4\u4eca\u7684\u6536\u76ca\u7387\uff0827.7%\uff09\u4f4e\u4e86\u8fd11\u4e2a\u70b9<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>\u5f88\u591a\u6295\u8d44\u8005\u5728\u6bd4\u8f83\u57fa\u91d1\u7684\u65f6\u5019\u975e\u5e38\u5173\u6ce8\u603b\u6536\u76ca\u7387\u8fd9\u4e2a\u6307\u6807\uff0c\u800c\u57fa\u91d1\u7684\u4f53\u91cf\u4e5f\u4f1a\u5f71\u54cd\u5230\u4f60\u7684\u603b\u6536\u76ca\u7387\u3002\u4e00\u822c\u6765\u8bf4\uff0c\u5171\u540c\u57fa\u91d1\u7684\u8d44 [&hellip;]<\/p>\n","protected":false},"author":27,"featured_media":456079,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[1521,430],"tags":[2190,1787,2131,2125],"class_list":["post-479311","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1521","category-trends-strategies-zh-hans","tag-etf-sch","tag-1787","tag-2131","tag-2125","sectors-financial-products-zh-hans","locations-us-zh-hans","exchange-nasdaq-zh-hans","exchange-nyse-zh-hans"],"acf":[],"_links":{"self":[{"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/posts\/479311","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/users\/27"}],"replies":[{"embeddable":true,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/comments?post=479311"}],"version-history":[{"count":0,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/posts\/479311\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/media\/456079"}],"wp:attachment":[{"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/media?parent=479311"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/categories?post=479311"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/tags?post=479311"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}