{"id":1063,"date":"2025-11-28T04:27:36","date_gmt":"2025-11-28T04:27:36","guid":{"rendered":"https:\/\/tetsu811.com\/vt-etf-disadvantages-global-investing\/"},"modified":"2025-11-28T04:27:44","modified_gmt":"2025-11-28T04:27:44","slug":"vt-etf-disadvantages-global-investing","status":"publish","type":"post","link":"https:\/\/tetsu811.com\/ja\/vt-etf-disadvantages-global-investing\/","title":{"rendered":"VT ETF \u7f3a\u9ede\u5168\u89e3\u6790\uff1a\u6295\u8cc7\u5168\u7403\u5e02\u5834\u7684\u76f2\u9ede\u3001\u6f5b\u5728\u98a8\u96aa\u8207\u53f0\u7063\u6295\u8cc7\u4eba\u9808\u77e5"},"content":{"rendered":"<h2>VT ETF \u7684\u9b45\u529b\u5728\u54ea\u88e1\uff1f\u70ba\u4ec0\u9ebc\u9084\u8981\u7559\u610f\u5b83\u7684\u96b1\u6182\uff1f<\/h2>\n<figure class=\"wp-block-image aligncenter\">\n  <img decoding=\"async\" data-src=\"https:\/\/tetsu811.com\/wp-content\/uploads\/2025\/11\/Flux_Schnell_A_whimsical_illustration_of_a_globe_with_many_tin_0.jpg\" alt=\"A whimsical illustration of a globe with many tiny stock tickers scattered around it, some bright, some dull, representing the diverse yet uncontrollable nature of global markets, rendered in a soft watercolor style with muted warm tones\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 512px; --smush-placeholder-aspect-ratio: 512\/512;\" \/><br \/>\n<\/figure>\n<h3>VT ETF \u662f\u4ec0\u9ebc\uff1f\u5168\u7403\u80a1\u5e02\u7684\u5165\u9580\u78da<\/h3>\n<p>\u60f3\u50cf\u4e00\u4e0b\uff0c\u4f60\u60f3\u8f15\u9b06\u63a5\u89f8\u5168\u7403\u80a1\u5e02\uff0c\u537b\u4e0d\u9858\u610f\u82b1\u5927\u628a\u6642\u9593\u7814\u7a76\u55ae\u4e00\u570b\u5bb6\u6216\u7522\u696d\u3002Vanguard \u63a8\u51fa\u7684 VT ETF\uff08Vanguard Total World Stock ETF\uff09\u6b63\u597d\u6eff\u8db3\u9019\u9700\u6c42\u3002\u5b83\u8ffd\u8e64 FTSE Global All Cap Index\uff0c\u7d0d\u5165\u8d85\u904e 9,000 \u6a94\u80a1\u7968\uff0c\u5f9e\u7f8e\u570b\u3001\u65e5\u672c\u7b49\u5df2\u958b\u767c\u5e02\u5834\uff0c\u5230\u4e2d\u570b\u3001\u5370\u5ea6\u7b49\u65b0\u8208\u5730\u5340\uff0c\u5f9e\u5de8\u982d\u4f01\u696d\u5230\u5c0f\u578b\u516c\u53f8\uff0c\u5168\u90fd\u6db5\u84cb\u9032\u4f86\u3002\u6b0a\u91cd\u4f9d\u5e02\u5834\u5e02\u503c\u6c7a\u5b9a\uff0c\u76ee\u7684\u662f\u5fe0\u5be6\u53cd\u6620\u5168\u7403\u80a1\u5e02\u7684\u8d77\u4f0f\u3002Vanguard \u7684\u4f4e\u8cbb\u7528\u7387\u8b93\u9019\u6a94 ETF \u5728\u53f0\u7063\u6295\u8cc7\u5708\u7279\u5225\u5403\u9999\uff0c\u5f88\u591a\u4eba\u8996\u5b83\u70ba\u5168\u7403\u8cc7\u7522\u914d\u7f6e\u7684\u7c21\u55ae\u8d77\u9ede\u3002<\/p>\n<h3>\u70ba\u4ec0\u9ebc\u6211\u5011\u9700\u8981\u95dc\u6ce8 VT ETF \u7684\u300c\u7f3a\u9ede\u300d\uff1f<\/h3>\n<p>VT ETF \u512a\u52e2\u660e\u986f\uff0c\u8ab0\u80fd\u5426\u8a8d\uff1f\u4f46\u6295\u8cc7\u4e16\u754c\u5f9e\u4f86\u6c92\u6709\u5b8c\u7f8e\u9078\u9805\u3002\u5149\u76ef\u8457\u4eae\u9ede\uff0c\u5ffd\u7565\u6697\u89d2\uff0c\u53ef\u80fd\u8b93\u4f60\u7684\u6c7a\u5b9a\u8b8a\u5f97\u7247\u9762\u3002\u63a2\u8a0e\u9019\u4e9b\u7f3a\u9ede\uff0c\u4e0d\u662f\u70ba\u4e86\u6253\u64ca\u5b83\u7684\u540d\u8072\uff0c\u800c\u662f\u8b93\u4f60\u66f4\u6e05\u695a\u8a55\u4f30\uff1a\u5b83\u9069\u5408\u4f60\u7684\u76ee\u6a19\u55ce\uff1f\u4f60\u7684\u98a8\u96aa\u80c3\u53e3\u80fd\u627f\u53d7\u55ce\uff1f\u53f0\u7063\u7684\u5be6\u969b\u60c5\u6cc1\u53c8\u5982\u4f55\uff1f\u53ea\u6709\u628a\u512a\u9ede\u548c\u7f3a\u9ede\u90fd\u6524\u958b\u4f86\u770b\uff0c\u4f60\u624d\u80fd\u907f\u958b\u8ddf\u98a8\u9677\u9631\uff0c\u9078\u51fa\u771f\u6b63\u5339\u914d\u7684\u8def\u3002<\/p>\n<h2>VT ETF \u7684\u4e03\u5927\u7f3a\u9ede\u6df1\u5ea6\u5256\u6790<\/h2>\n<figure class=\"wp-block-image aligncenter\">\n  <img decoding=\"async\" data-src=\"https:\/\/tetsu811.com\/wp-content\/uploads\/2025\/11\/Flux_Schnell_An_artistic_representation_of_a_confused_investor_0.jpg\" alt=\"An artistic representation of a confused investor looking at a pie chart tilted heavily towards one large slice labeled 'USA' with smaller slices for other nations, conveying the imbalance in VT ETF's country allocation, depicted in a minimalist flat design with a limited pastel color palette\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 512px; --smush-placeholder-aspect-ratio: 512\/512;\" \/><br \/>\n<\/figure>\n<h3>\u7f3a\u9ede\u4e00\uff1a\u7121\u6cd5\u7be9\u9078\u7279\u5b9a\u5e02\u5834\u6216\u7522\u696d\uff0c\u512a\u52a3\u96e3\u5206<\/h3>\n<p>VT ETF \u7684\u5e02\u5834\u52a0\u6b0a\u65b9\u5f0f\u5e36\u4f86\u5ee3\u6cdb\u5206\u6563\uff0c\u9019\u9ede\u6c92\u932f\u3002\u4f46\u63db\u500b\u89d2\u5ea6\uff0c\u5b83\u4e5f\u7d81\u4f4f\u4e86\u4f60\u7684\u624b\u8173\u3002\u4f60\u7121\u6cd5\u6311\u4e09\u63c0\u56db\uff0c\u907f\u958b\u90a3\u4e9b\u8868\u73fe\u5dee\u52c1\u7684\u570b\u5bb6\u6216\u7522\u696d\u3002\u5c31\u7b97\u4f60\u5c0d\u67d0\u500b\u5730\u5340\u524d\u666f\u7d55\u671b\uff0c\u5b83\u9084\u662f\u6703\u6309\u6b0a\u91cd\u7559\u8457\u3002\u7d50\u679c\u5462\uff1f\u597d\u58de\u9b5a\u5168\u6488\u9032\u4f86\u3002\u4f60\u932f\u904e\u4e86\u4e3b\u52d5\u9078\u80a1\u6216\u5340\u57df\u8abf\u6574\u7684\u6a5f\u6703\uff0c\u90a3\u4e9b\u65b9\u6cd5\u6709\u6642\u80fd\u5e36\u4f86\u984d\u5916\u6536\u76ca\u3002\u5168\u7403\u5e02\u5834\u9023\u52d5\u5f37\uff0c\u55ae\u4e00\u98a8\u96aa\u662f\u5c0f\u4e86\uff0c\u4f46\u5927\u74b0\u5883\u4e00\u58de\uff0c\u5927\u5bb6\u4e00\u8d77\u906d\u6b83\u3002<\/p>\n<h3>\u7f3a\u9ede\u4e8c\uff1a\u65b0\u8208\u5e02\u5834\u4f54\u6bd4\u904e\u4f4e\uff0c\u6210\u9577\u6f5b\u529b\u53d7\u9650\uff1f<\/h3>\n<p>VT ETF \u807d\u8d77\u4f86\u5f88\u5168\u7403\uff0c\u5be6\u969b\u4e0a\u6b0a\u91cd\u5168\u770b\u5e02\u503c\u8aaa\u8a71\u3002\u7f8e\u570b\u7b49\u5df2\u958b\u767c\u5e02\u5834\u4e3b\u5c0e\u4e00\u5207\uff0c\u65b0\u8208\u5e02\u5834\u53ea\u80fd\u5206\u5230\u5c0f\u584a\u3002\u4ee5\u73fe\u5728\u683c\u5c40\uff0c\u65b0\u8208\u5730\u5340\u7684\u6210\u9577\u706b\u529b\u5f80\u5f80\u52dd\u904e\u8001\u5e02\u5834\u3002\u5982\u679c\u4f60\u71b1\u8877\u6355\u6349\u90a3\u7a2e\u7206\u767c\u529b\uff0cVT \u7684\u4fdd\u5b88\u914d\u7f6e\u53ef\u80fd\u8b93\u4f60\u5931\u671b\u3002\u6bd4\u8d77\u5c08\u653b\u65b0\u8208\u7684 ETF\uff0c\u5b83\u5c11\u4e86\u9ede\u5192\u96aa\u7cbe\u795e\uff0c\u96d6\u7136\u63db\u4f86\u7684\u662f\u76f8\u5c0d\u5e73\u7a69\u7684\u6ce2\u52d5\u3002\u6a5f\u6703\u7e3d\u6709\u4ee3\u50f9\uff0c\u4e0d\u662f\u55ce\uff1f<\/p>\n<h3>\u7f3a\u9ede\u4e09\uff1a\u7f8e\u5143\u532f\u7387\u98a8\u96aa\uff0c\u5c0d\u53f0\u7063\u6295\u8cc7\u4eba\u7684\u5be6\u8cea\u5f71\u97ff<\/h3>\n<p>\u53f0\u7063\u6295\u8cc7\u4eba\u8cb7 VT ETF\uff0c\u4e0d\u53ea\u76ef\u8457\u80a1\u5e02\uff0c\u9084\u5f97\u7559\u610f\u7f8e\u5143\u52d5\u5411\u3002\u9019\u6a94 ETF \u7528\u7f8e\u5143\u8a08\u50f9\uff0c\u7f8e\u5143\u5347\u503c\u6642\uff0c\u5c31\u7b97\u80a1\u5e02\u4e0d\u52d5\uff0c\u63db\u56de\u53f0\u5e63\u4e5f\u591a\u8cfa\u4e00\u7b46\u3002\u7f8e\u5143\u8cb6\u503c\u5462\uff1f\u5373\u4f7f VT \u6f32\u52e2\u4eae\u773c\uff0c\u532f\u640d\u4e5f\u53ef\u80fd\u5403\u6389\u90e8\u5206\u679c\u5be6\u3002\u9577\u7dda\u6301\u6709\uff0c\u532f\u7387\u8d77\u4f0f\u7684\u5f71\u97ff\u6703\u653e\u5927\u3002\u60f3\u60f3\u770b\uff0c\u4f60\u5f97\u628a\u9019\u98a8\u96aa\u7b97\u9032\u53bb\uff0c\u6216\u8a31\u8003\u616e\u52a0\u9ede\u907f\u96aa\u5de5\u5177\uff0c\u6e1b\u8f15\u90a3\u4efd\u4e0d\u78ba\u5b9a\u3002<\/p>\n<h3>\u7f3a\u9ede\u56db\uff1a\u7121\u6cd5\u907f\u958b\u300c\u9ed1\u5929\u9d5d\u300d\u4e8b\u4ef6\u7684\u7cfb\u7d71\u6027\u98a8\u96aa<\/h3>\n<p>\u5206\u6563\u662f VT ETF \u7684\u5f37\u9805\uff0c\u80fd\u64cb\u4f4f\u55ae\u4e00\u516c\u53f8\u6216\u7522\u696d\u7684\u610f\u5916\u3002\u4f46\u5168\u7403\u5927\u707d\u96e3\u4f86\u8972\u5462\uff1f\u50cf 2008 \u5e74\u91d1\u878d\u98a8\u66b4\uff0c\u6216 2020 \u5e74\u75ab\u60c5\u885d\u64ca\uff0c\u9019\u4e9b\u7cfb\u7d71\u6027\u6253\u64ca\u7121\u6240\u9041\u5f62\u3002\u7121\u8ad6\u5df2\u958b\u767c\u9084\u662f\u65b0\u8208\u5e02\u5834\uff0c\u80a1\u5e02\u591a\u534a\u9f4a\u6b65\u5f8c\u9000\uff0cVT \u4e5f\u9003\u4e0d\u6389\u3002\u6295\u8cc7\u5168\u7403\u6307\u6578 ETF \u4e0d\u662f\u842c\u9748\u4e39\uff0c\u4f60\u9084\u662f\u5f97\u6e96\u5099\u597d\u9762\u5c0d\u5927\u9707\u76ea\u7684\u5fc3\u7406\u885d\u64ca\u3002<\/p>\n<h3>\u7f3a\u9ede\u4e94\uff1a\u8cbb\u7528\u7387\u96d6\u4f4e\uff0c\u4f46\u4ecd\u975e\u96f6\u6210\u672c<\/h3>\n<p>Vanguard \u7684 VT ETF \u4ee5 0.07% \u7684\u8cbb\u7528\u7387\u805e\u540d\uff0c\u9019\u662f\u5b83\u7684\u738b\u724c\u3002\u4f4e\u662f\u4f4e\uff0c\u4f46\u7d55\u975e\u514d\u8cbb\u3002\u9577\u671f\u4e0b\u4f86\uff0c\u9019\u5c0f\u6578\u5b57\u6703\u900f\u904e\u8907\u5229\u6084\u6084\u7d2f\u7a4d\uff0c\u5f71\u97ff\u6700\u7d42\u5831\u916c\u3002\u5047\u8a2d\u4f60\u6295\u8cc7\u6578\u5341\u5e74\uff0c\u54ea\u6015\u5dee\u500b\u96f6\u9ede\u5e7e\uff0c\u5dee\u8ddd\u4e5f\u6703\u62c9\u958b\u3002\u53f0\u7063\u6295\u8cc7\u4eba\u611b\u7b97\u5e33\uff0c\u5c31\u8a72\u62ff\u5b83\u8ddf\u672c\u5730\u57fa\u91d1\u6216\u66f4\u4fbf\u5b9c\u7684\u66ff\u4ee3\u54c1\u6bd4\u6bd4\u770b\u3002\u6c92\u6709\u4e00\u9813\u514d\u8cbb\u5348\u9910\u3002<\/p>\n<h3>\u7f3a\u9ede\u516d\uff1a\u88ab\u52d5\u6295\u8cc7\u7684\u9650\u5236\uff1a\u7121\u6cd5\u7a4d\u6975\u61c9\u5c0d\u5e02\u5834\u8b8a\u5316<\/h3>\n<p>VT ETF \u662f\u88ab\u52d5\u578b\uff0c\u5c08\u6ce8\u8ffd\u8e64\u6307\u6578\uff0c\u4e0d\u662f\u8d85\u8d8a\u5b83\u3002\u9019\u8a2d\u8a08\u8b93\u5b83\u7a69\uff0c\u4f46\u4e5f\u5c11\u4e86\u9748\u6d3b\u6027\u3002\u5e02\u5834\u98a8\u683c\u4e00\u8f49\uff0c\u7522\u696d\u71b1\u9ede\u79fb\u4f4d\uff0c\u6216\u67d0\u5340\u584a\u5927\u653e\u7570\u5f69\uff0c\u5b83\u4e0d\u6703\u50cf\u4e3b\u52d5\u57fa\u91d1\u90a3\u6a23\u7531\u7d93\u7406\u4eba\u51fa\u624b\u8abf\u6574\u3002\u5c0d\u60f3\u4e3b\u52d5\u51fa\u64ca\u3001\u8ffd\u8d85\u984d\u5831\u916c\u7684\u4eba\u4f86\u8aaa\uff0c\u9019\u88ab\u52d5\u672c\u8cea\u7c21\u76f4\u662f\u67b7\u9396\u3002\u4f60\u6e96\u5099\u597d\u63a5\u53d7\u9019\u7a2e\u9650\u5236\u4e86\u55ce\uff1f<\/p>\n<h3>\u7f3a\u9ede\u4e03\uff1a\u53f0\u7063\u6295\u8cc7\u4eba\u7684\u7a05\u52d9\u8003\u91cf\u8207\u64cd\u4f5c\u9650\u5236<\/h3>\n<p>\u53f0\u7063\u4eba\u6295\u8cc7\u6d77\u5916 ETF\uff0c\u7a05\u52d9\u548c\u64cd\u4f5c\u662f\u5bb6\u5e38\u4fbf\u98ef\u7684\u9ebb\u7169\u3002\u5148\u8aaa\u7a05\uff1a\u6d77\u5916\u6240\u5f97\u4e00\u5e74\u9054 100 \u842c\u5143\u53f0\u5e63\uff0c\u52a0\u4e0a\u5408\u8a08\u8ab2\u7a05\u6240\u5f97\u8d85 670 \u842c\u5143\uff0c\u5c31\u5f97\u8d70\u6700\u4f4e\u7a05\u8ca0\u5236\u3002VT \u7684\u80a1\u5229\u5462\uff1f\u7f8e\u570b\u5148\u6263 30% \u7a05\u3002\u64cd\u4f5c\u4e0a\uff0c\u8907\u59d4\u8a17\u624b\u7e8c\u8cbb\u8cb4\uff0c\u7528\u6d77\u5916\u5238\u5546\u53c8\u5f97\u81ea\u5df1\u641e\u5b9a\u91d1\u6d41\u3001\u8a9e\u8a00\u548c\u5e33\u6236\uff0c\u9580\u6abb\u9084\u53ef\u80fd\u9ad8\u3002\u9019\u4e9b\u73fe\u5be6\u554f\u984c\uff0c\u503c\u5f97\u4f60\u591a\u82b1\u6642\u9593\u7422\u78e8\u3002<\/p>\n<h2>VT ETF \u9069\u5408\u4f60\u55ce\uff1f\u8a72\u600e\u9ebc\u5ba2\u89c0\u8a55\u4f30\uff1f<\/h2>\n<figure class=\"wp-block-image aligncenter\">\n  <img decoding=\"async\" data-src=\"https:\/\/tetsu811.com\/wp-content\/uploads\/2025\/11\/Flux_Schnell_A_thoughtprovoking_image_of_a_Taiwanese_investor__0.jpg\" alt=\"A thought-provoking image of a Taiwanese investor standing at a crossroads marked 'VT ETF' and 'Other Assets', contemplating a complex flowchart of financial symbols and currency exchange rates, illustrated in a modern graphic novel style with dynamic linework and a high contrast color scheme\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 512px; --smush-placeholder-aspect-ratio: 512\/512;\" \/><br \/>\n<\/h3>\n<p>\u6295\u8cc7\u76ee\u6a19\u8207\u98a8\u96aa\u627f\u53d7\u5ea6\u6aa2\u8996<\/h3>\n<p>\u52d5\u624b\u524d\uff0c\u5148\u554f\u81ea\u5df1\u5e7e\u500b\u554f\u984c\uff1a\u4f60\u7684\u9322\u8981\u5e79\u561b\uff1f\u7a69\u7a69\u9577\u5927\uff0c\u9084\u662f\u731b\u885d\u8ca1\u5bcc\uff1f\u5e02\u5834\u8dcc 20%\u300130% \u751a\u81f3\u66f4\u591a\uff0c\u4f60\u625b\u5f97\u4f4f\u55ce\uff1fVT ETF \u6700\u9069\u5408\u9577\u7dda\u3001\u611b\u5206\u6563\u3001\u504f\u88ab\u52d5\u7684\u73a9\u5bb6\u3002\u5982\u679c\u4f60\u5716\u77ed\u671f\u5feb\u9322\uff0c\u6216\u5c0d\u6ce2\u52d5\u904e\u654f\uff0c\u5b83\u53ef\u80fd\u4e0d\u5c0d\u5473\u3002\u8cc7\u7522\u914d\u7f6e\u7684\u6838\u5fc3\uff0c\u662f\u8a8d\u8b58\u81ea\u5df1\uff0c\u800c\u4e0d\u662f\u8ffd\u71b1\u9580\u3002<\/p>\n<h3>\u8207\u5176\u4ed6\u5168\u7403\u578b\u6216\u5340\u57df\u578b ETF \u7684\u6bd4\u8f03<\/h3>\n<p>VT ETF \u5168\u7403\u8986\u84cb\u5ee3\uff0c\u4f46\u5e02\u5834\u4e0a\u9078\u9805\u591a\u3002\u62ff\u5b83\u8ddf VTI\uff08Vanguard Total Stock Market ETF\uff09\u6216 VOO\uff08Vanguard S&#038;P 500 ETF\uff09\u6bd4\uff0c\u524d\u8005\u5c08\u653b\u7f8e\u570b\u5168\u5e02\u5834\uff0c\u5f8c\u8005\u9396\u5b9a S&#038;P 500\u3002\u9084\u6709 ACWI\uff08iShares MSCI ACWI ETF\uff09\u6216 IOO\uff08iShares Global 100 ETF\uff09\uff0c\u5b83\u5011\u4e5f\u6295\u5168\u7403\uff0c\u4f46\u6b0a\u91cd\u548c\u6307\u6578\u7565\u4e0d\u540c\u3002\u6bd4\u6bd4\u8cbb\u7528\u3001\u6210\u5206\u3001\u5340\u57df\u3001\u6b77\u53f2\u8868\u73fe\uff0c\u5c31\u80fd\u627e\u51fa\u4f60\u7684\u83dc\u3002\u5982\u679c\u4f60\u8d85\u611b\u7f8e\u570b\uff0cVTI \u6216 VOO \u66f4\u5c0d\uff1b\u60f3\u7cbe\u6e96\u5e03\u5c40\u67d0\u5340\uff0c\u5340\u57df ETF \u503c\u5f97\u4e00\u770b\u3002<\/p>\n<h3>\u642d\u914d\u5176\u4ed6\u8cc7\u7522\u7684\u7b56\u7565\u601d\u7dad<\/h3>\n<p>VT ETF \u5206\u6563\u5230\u4f4d\uff0c\u4f46\u5225\u5168\u62bc\u5b83\u3002\u8070\u660e\u914d\u7f6e\u8a72\u591a\u6a23\u5316\u3002\u62ff VT \u7576\u6838\u5fc3\uff0c\u518d\u52a0\u50b5\u5238\u3001\u9ec3\u91d1\u6216\u5176\u4ed6\u4e0d\u4e00\u6a23\u7684\u8cc7\u7522\uff0c\u5c31\u80fd\u591a\u4e00\u5c64\u4fdd\u8b77\u3002\u7d93\u6fdf\u4f4e\u6f6e\u6642\uff0c\u50b5\u5238\u548c\u9ec3\u91d1\u5e38\u80fd\u7a69\u4f4f\u9663\u8173\uff0c\u9802\u4f4f\u80a1\u5e02\u7684\u885d\u64ca\u3002\u9019\u7a2e\u7d44\u5408\u65b9\u5f0f\uff0c\u8b93\u4f60\u7684\u6295\u8cc7\u7d44\u5408\u66f4\u6709\u5f48\u6027\uff0c\u9762\u5c0d\u8b8a\u5316\u6642\u4e0d\u614c\u3002<\/p>\n<h2>\u7406\u89e3 VT ETF \u7f3a\u9ede\uff0c\u5c31\u80fd\u8d70\u5f97\u66f4\u9060\u55ce\uff1f<\/h2>\n<p>VT ETF \u4f4e\u6210\u672c\u3001\u9ad8\u5206\u6563\uff0c\u7684\u78ba\u662f\u53f0\u7063\u6295\u8cc7\u4eba\u9032\u8ecd\u5168\u7403\u7684\u5229\u5668\u3002\u4f46\u5b83\u6709\u7f3a\u9ede\uff0c\u5f9e\u7be9\u9078\u9650\u5236\u3001\u65b0\u8208\u5e02\u5834\u504f\u5c11\u3001\u7f8e\u5143\u98a8\u96aa\uff0c\u5230\u7cfb\u7d71\u885d\u64ca\u3001\u7a05\u52d9\u9ebb\u7169\u548c\u88ab\u52d5\u4fb7\u9650\uff0c\u9019\u4e9b\u6311\u6230\u771f\u5be6\u5b58\u5728\u3002\u8a8d\u8b58\u5b83\u5011\uff0c\u4e0d\u662f\u63a8\u958b VT\uff0c\u800c\u662f\u8b93\u4f60\u7684\u9078\u64c7\u66f4\u5468\u5230\u3002\u7576\u4f60\u641e\u61c2\u9650\u5236\u548c\u98a8\u96aa\uff0c\u5c31\u80fd\u66f4\u6709\u628a\u63e1\uff0c\u7a69\u7a69\u8d70\u9577\u7dda\u3002\u8a18\u4f4f\uff0c\u6295\u8cc7\u6210\u529f\u5f9e\u5fb9\u5e95\u4e86\u89e3\u5de5\u5177\u958b\u59cb\u3002<\/p>\n<h2>\u53f0\u7063\u6295\u8cc7\u4eba\u5e38\u898b\u554f\u984c<\/h2>\n<section class=\"faq-block\" data-faq>\n<div class=\"faq-item\">\n<h3 class=\"faq-q\" data-q>VT \u8ddf VTI \u54ea\u500b\u597d\uff1f\u5169\u8005\u5728\u6295\u8cc7\u7bc4\u570d\u4e0a\u6709\u4f55\u4e3b\u8981\u5dee\u7570\uff1f<\/h3>\n<div class=\"faq-a\" data-a>\n<p>VT (Vanguard Total World Stock ETF) \u6db5\u84cb\u5168\u7403\u80a1\u5e02\uff0c\u5305\u62ec\u5df2\u958b\u767c\u548c\u65b0\u8208\u5e02\u5834\uff0c\u6b0a\u91cd\u4f9d\u5e02\u503c\u5206\u914d\uff0c\u7f8e\u570b\u7d04\u4f54\u516d\u6210\u3002VTI (Vanguard Total Stock Market ETF) \u53ea\u6295\u7f8e\u570b\uff0c\u5305\u542b\u5927\u578b\u3001\u4e2d\u578b\u548c\u5c0f\u516c\u53f8\u3002\u6c92\u6709\u7d55\u5c0d\u512a\u52a3\uff0c\u770b\u4f60\u7684\u504f\u597d\uff1a\u60f3\u5168\u7403\u5206\u6563\uff0c\u9078 VT\uff1b\u770b\u597d\u7f8e\u570b\u96c6\u4e2d\u706b\u529b\uff0cVTI \u66f4\u5408\u9069\u3002VTI \u6ce2\u52d5\u53ef\u80fd\u7a0d\u5927\uff0c\u4f46\u6210\u9577\u7a7a\u9593\u4e5f\u8f03\u9ad8\u3002<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"faq-item\">\n<h3 class=\"faq-q\" data-q>VT ETF \u771f\u7684\u9069\u5408\u6211\u55ce\uff1f\u6211\u8a72\u5982\u4f55\u5224\u65b7\u81ea\u8eab\u7684\u6295\u8cc7\u5c6c\u6027\uff1f<\/h3>\n<div class=\"faq-a\" data-a>\n<p>VT ETF \u9069\u5408\u9577\u7dda\u3001\u5168\u7403\u5206\u6563\u3001\u88ab\u52d5\u6295\u8cc7\u7684\u4eba\u3002\u8981\u5224\u65b7\u81ea\u5df1\uff0c\u60f3\u60f3\u9019\u4e9b\uff1a<\/p>\n<ul>\n<li><b>\u6295\u8cc7\u76ee\u6a19\uff1a<\/b>\u662f\u9000\u4f11\u6216\u5b50\u5973\u6559\u80b2\u7b49\u9577\u9060\u8a08\u756b\u55ce\uff1f<\/li>\n<li><b>\u98a8\u96aa\u627f\u53d7\u5ea6\uff1a<\/b>\u5e02\u5834\u8dcc 20% \u4ee5\u4e0a\uff0c\u4f60\u80fd\u7a69\u4f4f\u4e0d\u614c\u55ce\uff1f<\/li>\n<li><b>\u6295\u8cc7\u6642\u9593\uff1a<\/b>\u81f3\u5c11 10 \u5e74\u4ee5\u4e0a\u55ce\uff1f<\/li>\n<li><b>\u4e3b\u88ab\u52d5\u504f\u597d\uff1a<\/b>\u559c\u6b61\u8ffd\u8e64\u6307\u6578\uff0c\u9084\u662f\u4e3b\u52d5\u9078\u80a1\u64c7\u6642\uff1f<\/li>\n<\/ul>\n<p>\u5982\u679c\u591a\u6578\u662f\u80af\u5b9a\u7684\uff0cVT \u53ef\u80fd\u9069\u5408\u3002\u82e5\u504f\u77ed\u671f\u6216\u4f4e\u98a8\u96aa\uff0c\u5f97\u591a\u52a0\u5c0f\u5fc3\u3002<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"faq-item\">\n<h3 class=\"faq-q\" data-q>VT ETF \u4e00\u5e74\u914d\u606f\u5e7e\u6b21\uff1f\u914d\u606f\u91d1\u984d\u5982\u4f55\u8a08\u7b97\uff0c\u6703\u88ab\u8ab2\u7a05\u55ce\uff1f<\/h3>\n<div class=\"faq-a\" data-a>\n<p>VT ETF \u4e00\u5e74\u914d\u606f\u56db\u6b21\uff0c\u901a\u5e38\u5728 3\u30016\u30019\u300112 \u6708\u3002\u91d1\u984d\u4f9d\u5167\u90e8\u80a1\u7968\u80a1\u5229\u800c\u5b9a\uff0c\u4e0d\u56fa\u5b9a\uff0c\u914d\u606f\u7387\u504f\u4f4e\u3002\u53f0\u7063\u6295\u8cc7\u4eba\u8981\u6ce8\u610f\uff0c\u7f8e\u570b\u6703\u9810\u6263 30% \u80a1\u5229\u7a05\u3002\u82e5\u5e74\u5ea6\u6d77\u5916\u6240\u5f97\u9054 100 \u842c\u5143\u53f0\u5e63\uff0c\u4e14\u5408\u8a08\u8ab2\u7a05\u6240\u5f97\u8d85 670 \u842c\u5143\uff0c\u9700\u4f9d\u300a\u6240\u5f97\u57fa\u672c\u7a05\u984d\u689d\u4f8b\u300b\u7533\u5831\u6700\u4f4e\u7a05\u8ca0\u5236\u3002<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"faq-item\">\n<h3 class=\"faq-q\" data-q>\u9664\u4e86\u7f8e\u570b\uff0cVT ETF \u4e3b\u8981\u6295\u8cc7\u54ea\u4e9b\u570b\u5bb6\uff1f\u5176\u5728\u5404\u570b\u7684\u6b0a\u91cd\u5982\u4f55\uff1f<\/h3>\n<div class=\"faq-a\" data-a>\n<p>VT ETF \u6295\u5168\u7403\uff0c\u9664\u4e86\u7f8e\u570b\uff0c\u9084\u5305\u62ec\u65e5\u672c\u3001\u82f1\u570b\u3001\u52a0\u62ff\u5927\u3001\u6cd5\u570b\u3001\u5fb7\u570b\u3001\u745e\u58eb\u3001\u6fb3\u6d32\u7b49\u5df2\u958b\u767c\u570b\uff0c\u4ee5\u53ca\u4e2d\u570b\u3001\u53f0\u7063\u3001\u5370\u5ea6\u3001\u5df4\u897f\u7b49\u65b0\u8208\u570b\u3002\u5e02\u503c\u52a0\u6b0a\u4e0b\uff0c\u7f8e\u570b\u6b0a\u91cd\u6700\u9ad8\uff08\u7d04\u516d\u6210\uff09\uff0c\u63a5\u8457\u65e5\u672c\u3001\u82f1\u570b\u3001\u52a0\u62ff\u5927\u3002\u5404\u570b\u6b0a\u91cd\u96a8\u5e02\u503c\u8b8a\u52d5\uff0c\u53ef\u4e0a Vanguard \u5b98\u7db2\u67e5\u6700\u65b0\u6301\u80a1\u548c\u5206\u4f48\u3002<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"faq-item\">\n<h3 class=\"faq-q\" data-q>\u5728\u53f0\u7063\uff0c\u900f\u904e\u8907\u59d4\u8a17\u6216\u6d77\u5916\u5238\u5546\u8cfc\u8cb7 VT ETF \u6709\u4f55\u512a\u7f3a\u9ede\uff1f\u624b\u7e8c\u8cbb\u600e\u9ebc\u7b97\uff1f<\/h3>\n<div class=\"faq-a\" data-a>\n<p><b>\u8907\u59d4\u8a17\uff1a<\/b>\u512a\u9ede\u662f\u65b9\u4fbf\uff0c\u5238\u5546\u5e6b\u5fd9\u7a05\u52d9\u548c\u91d1\u6d41\uff1b\u7f3a\u9ede\u662f\u624b\u7e8c\u8cbb\u9ad8\uff0c\u8cb7\u8ce3\u90fd\u6536\uff0c\u6709\u4e9b\u9084\u6709\u6700\u4f4e\u8cbb\u3002\u8cbb\u7387\u4f9d\u5238\u5546\uff0c\u901a\u5e38 0.15%~1%\uff0c\u6700\u4f4e 15~35 \u7f8e\u5143\u3002<\/p>\n<p><b>\u6d77\u5916\u5238\u5546\uff1a<\/b>\u512a\u9ede\u662f\u8cbb\u4f4e\uff08\u6709\u4e9b\u514d\u8cbb\uff09\uff0c\u76f4\u63a5\u6301\u8cc7\u7522\uff1b\u7f3a\u9ede\u662f\u81ea\u5df1\u8655\u7406\u958b\u6236\u3001\u5165\u91d1\u3001\u532f\u7387\u3001\u7a05\u52d9\uff0c\u9700\u82f1\u6587\uff0c\u4e14\u53ef\u80fd\u6709\u6700\u4f4e\u5165\u91d1\u984d\u3002<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"faq-item\">\n<h3 class=\"faq-q\" data-q>\u60f3\u9577\u671f\u6295\u8cc7 VT ETF\uff0c\u5b9a\u671f\u5b9a\u984d\u662f\u500b\u597d\u65b9\u6cd5\u55ce\uff1f\u6709\u54ea\u4e9b\u6ce8\u610f\u4e8b\u9805\uff1f<\/h3>\n<div class=\"faq-a\" data-a>\n<p>\u5c0d\uff0c\u5b9a\u671f\u5b9a\u984d\u9069\u5408\u9577\u7dda VT ETF\u3002\u5b83\u7528\u5e73\u5747\u6210\u672c\u6cd5\uff0c\u5e02\u5834\u4f4e\u6642\u591a\u8cb7\uff0c\u9ad8\u6642\u7a69\u4f4f\uff0c\u907f\u958b\u64c7\u6642\u98a8\u96aa\u3002\u6ce8\u610f\u9ede\uff1a<\/p>\n<ul>\n<li><b>\u7d00\u5f8b\u6027\uff1a<\/b>\u6f32\u8dcc\u90fd\u5805\u6301\u6295\u5165\u3002<\/li>\n<li><b>\u624b\u7e8c\u8cbb\uff1a<\/b>\u8907\u59d4\u8a17\u5c0f\u984d\u5e38\u78b0\u6700\u4f4e\u8cbb\uff0c\u53ef\u62c9\u9577\u9031\u671f\u6216\u7d2f\u7a4d\u518d\u8cb7\u3002<\/li>\n<li><b>\u8010\u5fc3\uff1a<\/b>\u6548\u679c\u9700\u9577\u6642\u9593\u770b\uff0c\u77ed\u671f\u4e0d\u660e\u986f\u3002<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<div class=\"faq-item\">\n<h3 class=\"faq-q\" data-q>VT ETF \u6703\u4e0d\u6703\u6709\u4e0b\u5e02\u6216\u5012\u9589\u7684\u98a8\u96aa\uff1f\u6211\u7684\u6295\u8cc7\u5b89\u5168\u55ce\uff1f<\/h3>\n<div class=\"faq-a\" data-a>\n<p>VT ETF \u4e0b\u5e02\u6216\u5012\u9589\u98a8\u96aa\u6975\u4f4e\uff0c\u53ef\u5ffd\u7565\u3002ETF \u6301\u5be6\u7269\u8cc7\u7522\uff0c\u4e0d\u662f\u516c\u53f8\u71df\u904b\u3002Vanguard \u5c31\u7b97\u51fa\u4e8b\uff0c\u4f60\u7684\u8cc7\u7522\u7531\u8a17\u7ba1\u6a5f\u69cb\u4fdd\u7ba1\uff0c\u4e0d\u6703\u8ddf\u8457\u6c92\u3002VT \u898f\u6a21\u5927\u3001\u6d41\u52d5\u597d\uff0c\u4e0b\u5e02\u6a5f\u7387\u5c0f\u3002\u6295\u8cc7\u57fa\u672c\u5b89\u5168\u3002<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"faq-item\">\n<h3 class=\"faq-q\" data-q>\u9664\u4e86 VT\uff0c\u9084\u6709\u54ea\u4e9b\u5168\u7403\u578b\u6216\u5340\u57df\u578b ETF \u53ef\u4ee5\u8003\u616e\uff0c\u5b83\u5011\u7684\u7279\u8272\u662f\u4ec0\u9ebc\uff1f<\/h3>\n<div class=\"faq-a\" data-a>\n<p>\u9664\u4e86 VT\uff0c\u63a8\u85a6\u9019\u4e9b\u5168\u7403\u6216\u5340\u57df ETF\uff1a<\/p>\n<ul>\n<li><b>ACWI (iShares MSCI ACWI ETF)\uff1a<\/b>\u8ffd MSCI ACWI \u6307\u6578\uff0c\u5168\u7403\u5df2\u958b\u767c\u548c\u65b0\u8208\uff0c\u985e\u4f3c VT \u4f46\u6307\u6578\u4e0d\u540c\uff0c\u6b0a\u91cd\u7565\u7570\u3002<\/li>\n<li><b>IWDA (iShares Core MSCI World UCITS ETF)\uff1a<\/b>\u9650\u5168\u7403\u5df2\u958b\u767c\uff0c\u4e0d\u542b\u65b0\u8208\uff0c\u9069\u5408\u7a69\u5065\u578b\u3002<\/li>\n<li><b>Vanguard FTSE Developed Markets ETF (VEA)\uff1a<\/b>\u5168\u7403\u5df2\u958b\u767c\uff08\u7121\u7f8e\u570b\uff09\uff0c\u53ef\u914d VTI \u8abf\u6574\u7f8e\u570b\u6b0a\u91cd\u3002<\/li>\n<li><b>Vanguard FTSE Emerging Markets ETF (VWO)\uff1a<\/b>\u5c08\u6ce8\u65b0\u8208\uff0c\u9069\u5408\u8ffd\u9ad8\u6210\u9577\u3002<\/li>\n<\/ul>\n<p>\u9078\u54ea\u500b\uff0c\u770b\u4f60\u7684\u7b56\u7565\u3001\u98a8\u96aa\u548c\u5e02\u5834\u770b\u6cd5\u3002<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"<p>\u6df1\u5165\u5256\u6790 VT ETF \u7684\u4e03\u5927\u7f3a\u9ede\uff0c\u5305\u62ec\u5e02\u5834\u9650\u5236\u3001\u65b0\u8208\u5e02\u5834\u4f54\u6bd4\u3001\u532f\u7387\u98a8\u96aa\u3001\u7cfb\u7d71\u6027\u98a8\u96aa\u3001\u8cbb\u7528\u3001\u88ab\u52d5\u6295\u8cc7\u9650\u5236\u53ca\u7a05\u52d9\u8003\u91cf\uff0c\u52a9\u60a8\u5168\u9762\u8a55\u4f30\u4e26\u505a\u51fa\u660e\u667a\u7684\u5168\u7403\u8cc7\u7522\u914d\u7f6e\u6c7a\u7b56\u3002<\/p>","protected":false},"author":1,"featured_media":1064,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_gspb_post_css":"","footnotes":""},"categories":[24],"tags":[],"class_list":["post-1063","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-usstock"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/tetsu811.com\/ja\/wp-json\/wp\/v2\/posts\/1063","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tetsu811.com\/ja\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tetsu811.com\/ja\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tetsu811.com\/ja\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tetsu811.com\/ja\/wp-json\/wp\/v2\/comments?post=1063"}],"version-history":[{"count":1,"href":"https:\/\/tetsu811.com\/ja\/wp-json\/wp\/v2\/posts\/1063\/revisions"}],"predecessor-version":[{"id":1065,"href":"https:\/\/tetsu811.com\/ja\/wp-json\/wp\/v2\/posts\/1063\/revisions\/1065"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tetsu811.com\/ja\/wp-json\/wp\/v2\/media\/1064"}],"wp:attachment":[{"href":"https:\/\/tetsu811.com\/ja\/wp-json\/wp\/v2\/media?parent=1063"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tetsu811.com\/ja\/wp-json\/wp\/v2\/categories?post=1063"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tetsu811.com\/ja\/wp-json\/wp\/v2\/tags?post=1063"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}