{"id":11205,"date":"2021-04-25T22:47:28","date_gmt":"2021-04-25T14:47:28","guid":{"rendered":"https:\/\/willisandfrieda.com\/?p=11205"},"modified":"2021-04-25T22:47:31","modified_gmt":"2021-04-25T14:47:31","slug":"etf-share-vti","status":"publish","type":"post","link":"https:\/\/willisandfrieda.com\/etf-share-vti\/","title":{"rendered":"Vanguard Total Stock Market ( VTI )\uff5cETF \u4ecb\u7d39"},"content":{"rendered":"\n<p>ETF ( exchange-traded funds ) \u662f\u6307\u6578\u578b\u80a1\u7968\u57fa\u91d1\uff0cETF \u8ffd\u8e64\u7279\u5b9a\u6307\u6578\u8abf\u6574\u6210\u5206\u80a1\u7968\u6b0a\u91cd\uff0c\u4e0d\u9700\u8981\u57fa\u91d1\u7d93\u7406\u4eba\u505a\u7b56\u7565\u6027\u64cd\u4f5c\uff0c\u76f8\u8f03\u65bc\u6709\u57fa\u91d1\u7d93\u7406\u4eba\u64cd\u4f5c\u7684\u4e3b\u52d5\u5f0f\u57fa\u91d1\uff0c\u5177\u6709<strong>\u7ba1\u7406\u8cbb\u7528\u8207\u4ea4\u6613\u8cbb\u7528\u4f4e\u5ec9<\/strong>\u7684\u512a\u9ede\uff0c\u8fd1\u5e74\u4f86\u9010\u6f38\u53d7\u6295\u8cc7\u4eba\u91cd\u8996\uff0cWillis \u5728\u6d77\u5916\u5238\u5546\u4e5f\u662f\u4ee5\u6295\u8cc7\u4e0d\u540c\u7684 ETF \u70ba\u4e3b\u3002<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">\u6587\u7ae0\u5167\u5bb9\u76ee\u9304<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-66299d9f526f5\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-66299d9f526f5\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/willisandfrieda.com\/etf-share-vti\/#Vanguard_Total_Stock_Market_ETF\" title=\"Vanguard Total Stock Market ETF\">Vanguard Total Stock Market ETF<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/willisandfrieda.com\/etf-share-vti\/#VTI_%E6%8A%95%E8%B3%87%E7%B5%90%E6%A7%8B%E8%88%87%E6%88%90%E5%88%86%E8%82%A1\" title=\"VTI \u6295\u8cc7\u7d50\u69cb\u8207\u6210\u5206\u80a1\">VTI \u6295\u8cc7\u7d50\u69cb\u8207\u6210\u5206\u80a1<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/willisandfrieda.com\/etf-share-vti\/#VTI_%E5%B9%B4%E5%8C%96%E5%A0%B1%E9%85%AC%E7%8E%87\" title=\"VTI \u5e74\u5316\u5831\u916c\u7387\">VTI \u5e74\u5316\u5831\u916c\u7387<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/willisandfrieda.com\/etf-share-vti\/#VTI_%E7%B8%BD%E7%AE%A1%E7%90%86%E8%B2%BB%E7%94%A8\" title=\"VTI \u7e3d\u7ba1\u7406\u8cbb\u7528\">VTI \u7e3d\u7ba1\u7406\u8cbb\u7528<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/willisandfrieda.com\/etf-share-vti\/#%E7%B8%BD%E7%B5%90\" title=\"\u7e3d\u7d50\">\u7e3d\u7d50<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/willisandfrieda.com\/etf-share-vti\/#%E5%BB%B6%E4%BC%B8%E9%96%B1%E8%AE%80\" title=\"\u5ef6\u4f38\u95b1\u8b80\">\u5ef6\u4f38\u95b1\u8b80<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"cheese-cake wp-block-heading\"><span class=\"ez-toc-section\" id=\"Vanguard_Total_Stock_Market_ETF\"><\/span>Vanguard Total Stock Market ETF<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Vanguard Total Stock Market ETF \u5728\u7f8e\u570b\u80a1\u7968\u7684\u4ee3\u865f\u70ba VTI\uff0c\u6210\u7acb\u65bc 2001 \u5e74 5 \u6708 24 \u65e5\uff0c\u540d\u7a31\u958b\u982d <strong>Vanguard<\/strong> \u4ee3\u8868\u767c\u884c\u516c\u53f8<strong>\u5148\u92d2\u96c6\u5718 ( \u6216\u7a31\u9818\u822a ) The Vanguard Group<\/strong>\uff0c\u70ba\u5168\u4e16\u754c\u7b2c\u4e8c\u5927\u7684 ETF \u57fa\u91d1\u7ba1\u7406\u516c\u53f8\uff0c\u4ee5\u63d0\u4f9b\u4f4e\u6210\u672c\u7684\u512a\u8cea\u57fa\u91d1\u8457\u540d\u3002<\/p>\n\n\n\n<p>VTI \u9019\u652f ETF \u8ffd\u8e64 <strong>CRSP \u7f8e\u570b\u5168\u5e02\u5834\u6307\u6578 ( CRSP US Total Market Index )<\/strong> \uff0c\u8a72\u6307\u6578\u662f\u7531\u829d\u52a0\u54e5\u5927\u5b78\u8b49\u5238\u7814\u7a76\u4e2d\u5fc3 ( Center for Research in Security Prices, CRSP ) \u6240\u7de8\u88fd\uff0c\u6db5\u84cb\u4e86\u5de8\u578b\u3001\u5927\u578b\u3001\u4e2d\u578b\u3001\u5c0f\u578b\u8207\u5fae\u578b\u8fd1 4000 \u652f\u6210\u5206\u80a1\uff0c\u5e7e\u4e4e\u53ef\u4ee3\u8868\u6574\u500b\u7f8e\u570b\u80a1\u7968\u5e02\u5834\uff0c\u5c0d\u65bc\u60f3\u6295\u8cc7\u7f8e\u570b\u5e02\u5834\u7684\u6295\u8cc7\u4eba\u800c\u8a00\uff0cVTI \u662f\u76f8\u7576\u7406\u60f3\u7684\u6295\u8cc7\u9078\u64c7\u4e4b\u4e00\u3002<\/p>\n\n\n\n<p>\u76ee\u524d VTI \u70ba\u5168\u7f8e\u8cc7\u7522\u898f\u6a21\u6700\u5927\u7684 ETF\uff0c\u5df2\u6210\u9577\u81f3 9850 \u5104\u7f8e\u5143\uff0c\u53f0\u80a1 2021\/3 \u7e3d\u5e02\u503c\u7d04\u70ba 1.79 \u5146\u7f8e\u5143\uff0c\u6240\u4ee5\u55ae\u4e00\u652f VTI \u7684\u8cc7\u7522\u898f\u6a21\u5e7e\u4e4e\u540c\u7b49\u65bc\u53f0\u80a1\u7684 54%\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">\u80a1\u7968\u985e\u578b<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u5e02\u503c\u4f54\u6bd4<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Giant \u5de8\u578b\u80a1\u7968<\/td><td class=\"has-text-align-center\" data-align=\"center\">41.78%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Large \u5927\u578b\u80a1\u7968<\/td><td class=\"has-text-align-center\" data-align=\"center\">30.28%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Med. \u4e2d\u578b\u80a1\u7968<\/td><td class=\"has-text-align-center\" data-align=\"center\">19.39%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Small \u5c0f\u578b\u80a1\u7968<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.31%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Micro \u5fae\u578b\u80a1\u7968<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.23%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-media-text alignwide has-media-on-the-right is-stacked-on-mobile\" style=\"grid-template-columns:auto 38%\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"349\" height=\"166\" src=\"https:\/\/willisandfrieda.com\/wp-content\/uploads\/2021\/04\/Risk-Potential-web.jpg\" alt=\"Vanguard Total Stock Market ETF ( VTI )\" class=\"wp-image-11247 size-full\" srcset=\"https:\/\/willisandfrieda.com\/wp-content\/uploads\/2021\/04\/Risk-Potential-web.jpg 349w, https:\/\/willisandfrieda.com\/wp-content\/uploads\/2021\/04\/Risk-Potential-web-300x143.jpg 300w\" sizes=\"(max-width: 349px) 100vw, 349px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<p>VTI \u7684\u6f5b\u5728\u98a8\u96aa\u5728 5 \u968e\u5206\u7d1a\u4e2d\uff0c\u88ab\u5b9a\u7fa9\u70ba\u7b2c 4 \u968e\uff1a<strong>\u4e2d\u9ad8\u98a8\u96aa<\/strong>\u8207<strong>\u4e2d\u9ad8\u5831\u916c<\/strong>\u3002<\/p>\n\n\n\n<p>\u901a\u5e38\u80a1\u7968\u88ab\u6b78\u985e\u5728\u9ad8\u98a8\u96aa\u8cc7\u7522\uff0c\u800c\u50b5\u5238 ( \u6295\u8cc7\u7b49\u7d1a\u50b5 ) \u5247\u88ab\u6b78\u985e\u5728\u4f4e\u98a8\u96aa\u8cc7\u7522\u3002<\/p>\n\n\n\n<p>\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c<span class=\"has-inline-color has-vivid-red-color\"><strong>\u9ad8\u5831\u916c\u8cc7\u7522\u4e00\u5b9a\u4f34\u96a8\u8457\u9ad8\u98a8\u96aa\uff0c\u4f46\u9ad8\u98a8\u96aa\u8cc7\u7522\u537b\u4e0d\u4e00\u5b9a\u6703\u5e36\u4f86\u9ad8\u5831\u916c<\/strong><\/span>\u3002<\/p>\n<\/div><\/div>\n\n\n\n<h2 class=\"cheese-cake wp-block-heading\"><span class=\"ez-toc-section\" id=\"VTI_%E6%8A%95%E8%B3%87%E7%B5%90%E6%A7%8B%E8%88%87%E6%88%90%E5%88%86%E8%82%A1\"><\/span>VTI \u6295\u8cc7\u7d50\u69cb\u8207\u6210\u5206\u80a1<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5f9e Vanguard \u65bc 2021\/3\/31 \u6240\u516c\u5e03\u7684 VTI \u6295\u8cc7\u7d44\u5408\u7d50\u69cb\u5982\u4e0b\u8868\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><strong>Portfolio composition<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>\u9805\u76ee<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>\u5360\u6bd4<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Basic Materials<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u539f\u7269\u6599<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.2%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Consumer Discretionary<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u975e\u5fc5\u9700\u6d88\u8cbb\u54c1<\/td><td class=\"has-text-align-center\" data-align=\"center\">16.4%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Consumer Staples<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u5fc5\u9700\u6d88\u8cbb\u54c1<\/td><td class=\"has-text-align-center\" data-align=\"center\">5%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Energy<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u80fd\u6e90<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.8%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Financials<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u91d1\u878d<\/td><td class=\"has-text-align-center\" data-align=\"center\">11.9%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Health Care<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u91ab\u7642\u4fdd\u5065<\/td><td class=\"has-text-align-center\" data-align=\"center\">13.1%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Industrials<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u5de5\u696d<\/td><td class=\"has-text-align-center\" data-align=\"center\">14.2%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Real Estate<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u623f\u5730\u7522<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.4%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Technology<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u79d1\u6280<\/td><td class=\"has-text-align-center\" data-align=\"center\">25.5%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Telecommunications<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u901a\u8a0a<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.6%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Utilities<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u516c\u5171\u4e8b\u696d<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.9%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u5f9e VTI \u7684\u6295\u8cc7\u7d50\u69cb\u5206\u6790\uff0c\u652f\u6490\u7f8e\u570b\u7d93\u6fdf\u7684\u524d\u4e94\u5927\u7522\u696d\u985e\u5225\u70ba\uff1a<\/p>\n\n\n\n<ul><li>\u79d1\u6280\uff1a\u786c\u9ad4\u3001\u8edf\u9ad4\u4ee5\u53ca\u901a\u8a0a\u8a2d\u5099\uff0c\u4f8b\u5982\uff1aApple\u3002<\/li><li>\u975e\u5fc5\u9808\u6d88\u8cbb\u54c1\uff1a\u6c7d\u8eca\u3001\u670d\u98fe\u53ca\u5a1b\u6a02\uff0c\u4f8b\u5982 Tesla\u3002<\/li><li>\u5de5\u696d\uff1a\u822a\u7a7a\u5de5\u696d\u3001\u4ea4\u901a\u3001\u5efa\u7bc9\u3001\u570b\u9632\u5de5\u696d\uff0c\u4f8b\u5982\uff1a\u6ce2\u97f3\u3002<\/li><li>\u91ab\u7642\u4fdd\u5065\uff1a\u91ab\u7642\u85e5\u54c1\u3001\u91ab\u7642\u8a2d\u5099\u53ca\u751f\u7269\u79d1\u6280\uff0c\u4f8b\u5982\uff1a\u5b0c\u751f\u3002<\/li><li>\u91d1\u878d\uff1a\u9280\u884c\u91d1\u878d\u5546\u54c1\u3001\u670d\u52d9\u8207\u4fdd\u96aa\uff0c\u4f8b\u5982\uff1a\u6469\u6839\u5927\u901a\u3002<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"894\" height=\"390\" src=\"https:\/\/willisandfrieda.com\/wp-content\/uploads\/2021\/04\/VTI-\u6295\u8cc7\u7d44\u5408.png\" alt=\"Vanguard Total Stock Market ETF ( VTI )\" class=\"wp-image-11285\" srcset=\"https:\/\/willisandfrieda.com\/wp-content\/uploads\/2021\/04\/VTI-\u6295\u8cc7\u7d44\u5408.png 894w, https:\/\/willisandfrieda.com\/wp-content\/uploads\/2021\/04\/VTI-\u6295\u8cc7\u7d44\u5408-300x131.png 300w, https:\/\/willisandfrieda.com\/wp-content\/uploads\/2021\/04\/VTI-\u6295\u8cc7\u7d44\u5408-768x335.png 768w\" sizes=\"(max-width: 894px) 100vw, 894px\" \/><\/figure>\n\n\n\n<p>VTI \u7684\u524d\u5341\u5927\u6301\u80a1\u5982\u4e0b\uff0c\u5e7e\u4e4e\u90fd\u662f\u76f8\u7576\u77e5\u540d\u7684\u5927\u516c\u53f8\uff0c\u8cb7\u9032 VTI \u4e26\u6301\u6709\u7b49\u540c\u65bc\u6210\u70ba\u9019\u4e9b\u4e00\u6d41\u5927\u4f01\u696d\u7684\u80a1\u6771\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Company<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u4f01\u696d\u4e2d\u6587\u540d\u7a31<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u6301\u80a1\u6bd4\u91cd<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u5099\u8a3b<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Apple Inc<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u860b\u679c<\/td><td class=\"has-text-align-center\" data-align=\"center\">4.53%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Microsoft Corp<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u5fae\u8edf<\/td><td class=\"has-text-align-center\" data-align=\"center\">4.37%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Amazon.com Inc<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u4e9e\u99ac\u905c<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.25%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Facebook Inc<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u81c9\u66f8<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.74%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Alphabet Inc<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u5b57\u6bcd\u63a7\u80a1<br>( Google \u6bcd\u516c\u53f8 )<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.52%<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u666e\u901a\u80a1<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Alphabet Inc<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u5b57\u6bcd\u63a7\u80a1<br>( Google \u6bcd\u516c\u53f8 )<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.42%<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u7121\u6295\u7968\u6b0a\u80a1\u7968<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Tesla Inc<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u7279\u65af\u62c9<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.26%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">JPMorgan Chase &amp; Co<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u6469\u6839\u5927\u901a\u96c6\u5718<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.14%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Berkshire Hathaway Inc<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u6ce2\u514b\u590f\u6d77\u745f\u5a01<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.12%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Johnson &amp; Johnson<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u5b0c\u751f<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.06%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"cheese-cake wp-block-heading\"><span class=\"ez-toc-section\" id=\"VTI_%E5%B9%B4%E5%8C%96%E5%A0%B1%E9%85%AC%E7%8E%87\"><\/span>VTI \u5e74\u5316\u5831\u916c\u7387<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u6295\u8cc7\u7e3e\u6548\u4ee5\u300e\u5e74\u5316\u5831\u916c\u7387\u300f\u4f86\u6aa2\u8996\u6bd4\u8f03\u5ba2\u89c0\uff0c\u5b9a\u7fa9\u662f\u6bcf\u5e74\u7684\u5e73\u5747\u5831\u916c\u7387\uff0c\u8a08\u7b97\u65b9\u5f0f\u70ba : <\/p>\n\n\n\n<p class=\"content-box\"><strong>\u5e74\u5316\u5831\u916c\u7387 = ( \u7e3d\u5831\u916c\u7387 + 1 )<sup>( 1 \/ \u5e74\u6578 )<\/sup> -1<\/strong><\/p>\n\n\n\n<p>\u4f9d\u64da Vanguard \u7db2\u7ad9\u4e0a\u7684\u8cc7\u8a0a\uff0c\u5c07 VTI \u7684\u5e74\u5316\u5831\u916c\u7387\u6574\u7406\u6210\u4e0b\u8868\uff0c\u8868\u683c\u4e2d\u4e5f\u6709\u63d0\u4f9b VTI \u6240\u8ffd\u8e64\u7684\u6307\u6578 ( Spliced Total Stock Market Index ) \u5831\u916c\u7387\uff1b\u5c07\u5169\u8005\u76f8\u6e1b\u5f8c\uff0cVTI \u8ffd\u8e64\u6307\u6578\u7684\u8aa4\u5dee\u5927\u7d04\u843d\u5f8c 0.01% ~ 0.03%\uff0cVTI \u78ba\u5be6\u80fd\u5920\u53cd\u61c9\u6574\u9ad4\u7f8e\u570b\u80a1\u7968\u5e02\u5834\u7684\u7e3e\u6548\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"909\" height=\"276\" src=\"https:\/\/willisandfrieda.com\/wp-content\/uploads\/2021\/04\/VTI-\u5e74\u5316\u5831\u916c\u7387.png\" alt=\"Vanguard Total Stock Market ETF ( VTI )\" class=\"wp-image-11261\" srcset=\"https:\/\/willisandfrieda.com\/wp-content\/uploads\/2021\/04\/VTI-\u5e74\u5316\u5831\u916c\u7387.png 909w, https:\/\/willisandfrieda.com\/wp-content\/uploads\/2021\/04\/VTI-\u5e74\u5316\u5831\u916c\u7387-300x91.png 300w, https:\/\/willisandfrieda.com\/wp-content\/uploads\/2021\/04\/VTI-\u5e74\u5316\u5831\u916c\u7387-768x233.png 768w\" sizes=\"(max-width: 909px) 100vw, 909px\" \/><\/figure>\n\n\n\n<p>\u6700\u8fd1\u4e00\u5e74 ( 2020\/3\/31 -2021\/3\/31 ) VTI \u51fa\u73fe\u4e86\u9ad8\u9054 62.72% \u7684\u9a5a\u4eba\u5e74\u5316\u5831\u916c\u7387\uff0c\u4f46\u4e3b\u8981\u7684\u539f\u56e0\u662f 2020\/3 \u9047\u5230\u5168\u7403\u80a1\u5e02\u4fee\u6b63\uff0c\u4e4b\u5f8c\u56e0\u70ba\u5404\u570b\u653f\u5e9c\u7d13\u56f0\u65b9\u6848\uff0c\u5c0e\u81f4\u5e02\u5834\u7684\u71b1\u9322\u592a\u591a\uff0c\u5e7e\u4e4e\u90fd\u6d41\u5165\u80a1\u5e02\u8207\u623f\u5730\u7522\uff0c\u63a8\u5347\u5168\u7403\u80a1\u50f9\u8207\u623f\u50f9\uff0c\u7b97\u662f\u7f55\u898b\u7684\u73fe\u8c61\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u5f9e VTI \u6210\u7acb\u5230 2021\/3 \u4f86\u6aa2\u8996\u9019 20 \u5e74\u7684\u5e74\u5316\u5831\u916c\u7387\uff0c\u770b\u8d77\u4f86\u53ea\u6709 8.48%\uff0c\u4f46\u5728\u9019 20 \u5e74\u7684\u6295\u8cc7\u8005\u6b77\u7d93\u4e86\uff1a<\/p>\n\n\n\n<ul><li>2001 \u5e74\u7db2\u8def\u79d1\u6280\u6ce1\u6cab<\/li><li>2008 \u5e74\u7f8e\u570b\u6b21\u7d1a\u623f\u8cb8\u91d1\u878d\u6d77\u562f<\/li><li>2015 \u5e74\u65b0\u8208\u5e02\u5834\u5371\u6a5f<\/li><li>2018 \u5e74\u4e2d\u7f8e\u8cbf\u6613\u6230<\/li><li>2020 \u5e74\u65b0\u51a0\u80ba\u708e<\/li><\/ul>\n\n\n\n<p>\u7d93\u904e\u4e86\u9019\u9ebc\u591a\u6b21\u5168\u7403\u5927\u7a7a\u982d\uff0c\u82e5\u9084\u80fd\u5805\u6301\u4e0d\u8ce3\u80a1\u7968\u3001\u9577\u671f\u6295\u8cc7\u653e\u5230\u73fe\u5728\uff0cVTI \u525b\u958b\u59cb\u767c\u884c\u6642\u7684\u50f9\u683c\u70ba 57.79 \u7f8e\u91d1\uff0c\u73fe\u5728 ( 2021\/4\/24 ) \u7684\u50f9\u683c\u70ba 217.21 \u7f8e\u91d1\uff0c\u7e3d\u5831\u916c\u7387\u70ba 376%\uff0c\u800c\u4e14\u9019\u662f\u4e0d\u542b\u914d\u606f\u7684\u5831\u916c\u7387\uff0c\u5176\u5be6\u662f\u76f8\u7576\u4e0d\u932f\u7684\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"835\" height=\"522\" src=\"https:\/\/willisandfrieda.com\/wp-content\/uploads\/2021\/04\/VTI-Stock-1.png\" alt=\"Vanguard Total Stock Market ETF ( VTI )\" class=\"wp-image-11298\" srcset=\"https:\/\/willisandfrieda.com\/wp-content\/uploads\/2021\/04\/VTI-Stock-1.png 835w, https:\/\/willisandfrieda.com\/wp-content\/uploads\/2021\/04\/VTI-Stock-1-300x188.png 300w, https:\/\/willisandfrieda.com\/wp-content\/uploads\/2021\/04\/VTI-Stock-1-768x480.png 768w\" sizes=\"(max-width: 835px) 100vw, 835px\" \/><\/figure>\n\n\n\n<h2 class=\"cheese-cake wp-block-heading\"><span class=\"ez-toc-section\" id=\"VTI_%E7%B8%BD%E7%AE%A1%E7%90%86%E8%B2%BB%E7%94%A8\"><\/span>VTI \u7e3d\u7ba1\u7406\u8cbb\u7528<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"content-box\">\u6295\u8cc7\u4eba\u9700\u8981\u7559\u610f\u7684\u662f ETF \u7684\u96b1\u6027\u6210\u672c\uff0c\u4e5f\u5c31\u662f<strong>\u7e3d\u7ba1\u7406\u8cbb\u7528<\/strong>\u3002<br><strong>VTI \u7684\u7e3d\u7ba1\u7406\u8cbb\u7528<\/strong> = \u7ba1\u7406\u8cbb\u7528 0.02% + \u975e\u7ba1\u7406\u8cbb\u7528 0.01% = <strong>0.03%<\/strong><\/p>\n\n\n\n<p>0.03% \u7684\u7e3d\u7ba1\u7406\u8cbb\u7528\u7b97\u4f4e\u55ce\uff1f\u4ee5\u5927\u5bb6\u6bd4\u8f03\u719f\u6089\uff0c\u8ffd\u8e64\u53f0\u7063\u5927\u76e4\u6307\u6578\u7684\u5143\u5927\u53f0\u706350 ( \u53f0\u7063\u80a1\u7968\u4ee3\u865f\uff1a0050 ) \u4f86\u505a\u6bd4\u8f03\u3002<br><strong>\u5143\u5927\u53f0\u706350 \u7684\u7e3d\u7ba1\u7406\u8cbb\u7528<\/strong> = \u7ba1\u7406\u8cbb 0.32% + \u4fdd\u7ba1\u8cbb 0.035% = <strong>0.355%<\/strong><\/p>\n\n\n\n<p>\u5f9e\u4ee5\u4e0a\u7684\u6bd4\u8f03\u53ef\u4ee5\u767c\u73fe\uff0c\u6709\u8457\u570b\u6c11 ETF \u4e4b\u7a31\u7684\u5143\u5927\u53f0\u706350\uff0c\u7e3d\u7ba1\u7406\u8cbb\u7528\u70ba VTI \u7684 11.8 \u500d\uff0c\u7531\u6b64\u53ef\u898b\u570b\u5167\u91d1\u878d\u5546\u54c1\u7684\u8cbb\u7528\u9084\u6709\u5f88\u5927\u7684\u6539\u5584\u7a7a\u9593\uff0cWillis \u4e5f\u662f\u56e0\u70ba\u53f0\u7063\u91d1\u878d\u74b0\u5883\u5c0d\u6295\u8cc7\u4eba\u4e0d\u5920\u53cb\u5584\uff0c\u6240\u4ee5\u900f\u904e\u6d77\u5916\u5238\u5546\u9010\u6f38\u589e\u52a0\u6d77\u5916\u6295\u8cc7\u7684\u6bd4\u91cd\u3002<\/p>\n\n\n\n<h2 class=\"cheese-cake wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%B8%BD%E7%B5%90\"><\/span>\u7e3d\u7d50<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u82e5\u61f6\u7684\u7814\u7a76\u55ae\u4e00\u516c\u53f8\u7684\u57fa\u672c\u9762\uff0c\u53ea\u60f3\u55ae\u7d14\u6295\u8cc7\u7f8e\u570b\u5340\u57df\u5e02\u5834\u4e26\u9577\u671f\u6301\u6709\uff0cVTI \u662f\u53ef\u4ee5\u8003\u616e\u7d0d\u5165\u6295\u8cc7\u7d44\u5408\u7684\u9078\u64c7\u4e4b\u4e00\u3002<\/p>\n\n\n\n<p>\u4e0d\u904e\u904e\u53bb\u7684\u8cc7\u7522\u50f9\u683c\u8d70\u52e2\u8207\u5831\u916c\u7387\u4e0d\u4ee3\u8868\u672a\u4f86\u4e5f\u662f\u5982\u6b64\uff0c\u907f\u514d\u5c07\u96de\u86cb\u653e\u7f6e\u5728\u540c\u4e00\u500b\u7c43\u5b50\u4e2d\uff0c\u898f\u5283\u591a\u5143\u6295\u8cc7\u6a19\u7684\u5206\u6563\u98a8\u96aa\uff0c\u56e0\u61c9\u672a\u4f86\u7684\u4e0d\u78ba\u5b9a\u624d\u662f\u8f03\u4f73\u7684\u4f5c\u6cd5\u3002<\/p>\n\n\n\n<h2 class=\"cheese-cake wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%BB%B6%E4%BC%B8%E9%96%B1%E8%AE%80\"><\/span>\u5ef6\u4f38\u95b1\u8b80<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>ETF ( exchange-traded funds ) \u662f\u6307\u6578\u578b\u80a1\u7968\u57fa\u91d1\uff0cETF \u8ffd\u8e64\u7279\u5b9a\u6307\u6578\u8abf\u6574\u6210\u5206\u80a1\u7968 &hellip; <\/p>\n","protected":false},"author":1,"featured_media":11319,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":"","_jetpack_memberships_contains_paid_content":false},"categories":[23],"tags":[598,596,595,597,600,604,603,601,602,599],"aioseo_notices":[],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/willisandfrieda.com\/wp-content\/uploads\/2021\/04\/VTI-ETF-\u4ecb\u7d39.jpg","_links":{"self":[{"href":"https:\/\/willisandfrieda.com\/wp-json\/wp\/v2\/posts\/11205"}],"collection":[{"href":"https:\/\/willisandfrieda.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/willisandfrieda.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/willisandfrieda.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/willisandfrieda.com\/wp-json\/wp\/v2\/comments?post=11205"}],"version-history":[{"count":0,"href":"https:\/\/willisandfrieda.com\/wp-json\/wp\/v2\/posts\/11205\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/willisandfrieda.com\/wp-json\/wp\/v2\/media\/11319"}],"wp:attachment":[{"href":"https:\/\/willisandfrieda.com\/wp-json\/wp\/v2\/media?parent=11205"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/willisandfrieda.com\/wp-json\/wp\/v2\/categories?post=11205"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/willisandfrieda.com\/wp-json\/wp\/v2\/tags?post=11205"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}