Get Financially Fit! 在财政上得到合适的！

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When investing, the majority of people don’t evaluate the significant impact of investment expenses over time.投资时，大多数人的不评价产生重大影响的投资费用，超过的时间。 There are three classes of mutual funds relative to expenses; index funds, no-load managed mutual funds, and loaded mutual funds.有三类互惠基金的相对开支;指数基金，无负载管理互惠基金，并载入互惠基金。

Index funds are designed to mirror major market indices such as the Wilshire 5000 (the largest 5000 US Corporations) or the S&P 500 (the largest 500 US corporations).指数基金的目的是一面镜子，主要市场指数如威尔夏5000指数（最大的5000美国企业）或标准普尔500指数（最大500家美国公司） 。 The most common index that you hear quoted daily is the Dow Jones Industrial (which tracks 30 large Corporations).最常见的指数，你听到引述日报是道琼斯30种工业股票（轨道上的30大公司） 。

One key feature of an index funds is that the ownership of different shares is proportion to the market value of each corporation.一个关键的特点，一个指数基金是拥有不同的股份比例的市场价值每间公司。 This is to say that the Wilshire 5000 index invests a lot more in large corporations such as Exxon and Microsoft, and a lot less in a small growing company such as Starbucks.这就是说，威尔夏5000指数投资了很多在大公司，如埃克森美孚和微软，和少很多在一个很小的成长的公司，例如星巴克。 Index funds are self-correcting in that they will increase investments in winning companies like Microsoft and Starbucks and divest from tanking companies such as and Enron and WorldCom.指数基金是自校正，因为它们将增加投资在赢得公司一样，微软和星巴克和剥离，由tanking等公司和安然公司和WorldCom 。 Given that these adjustments occur daily, an index fund investor can sleep soundly knowing that they don’t have to worry about the performance of individual stocks.鉴于这些调整发生日报，指数基金的投资者可以高枕无忧，因为他们知道不用担心约的表现，个别股票。

The most significant advantage of index fund investing is the low expense ratio fee.最显着的优势，指数基金的投资是低费用比率的费用。 The average managed mutual fund has an annual expense ratio of 1.35%, while index fund expense ratios from low cost mutual fund companies such as Vanguard and Fidelity are 0.2%.平均管理的共同基金有一个年度费用比率为1.35 ％ ，而指数基金的开支比率从成本低，互惠基金公司，如先锋和富达是0.2 ％ 。 This represents a 6X reduction in cost from the typical mutual fund- this is like buying a $30,000 car for just $5,000.这代表了六倍的减少成本，从典型的共同基金-这是想购买30000美元车刚刚5000元。

Managed mutual funds differ from index funds in that the fund manager attempts to beat the index by picking a portfolio of stocks.管理的共同基金不同，指数基金在该基金经理试图击败指数挑选股票组合。 In the long-term, less than 20% of managed funds outperform index funds; therefore the risk with managed funds is that 80% of the time you will end up with lower performance plus higher expenses.在长远的，不少于20 ％的管理的基金表现超越指数基金;因此，风险与管理的基金是有80 ％的时间，你最终会与较低的表现，再加上较高的费用。 Average expense on a no-load managed fund is 1.35%, but can range from 0.4 to 2% depending on the specific fund.平均费用，就一无负载管理的基金是1.35 ％ ，但可以范围从0.4至2 ％ ，视具体基金。 I recommend that you only purchase managed funds that have outperformed their comparative index for last 3, 5, and 10 years.我建议你只购买管理的资金都超过了它们的相对指数为去年3 ， 5 ，和10年。

Loaded mutual funds charge an upfront sales fee of 3% to 6% and have annual expenses that range from 1 to 2%.加载互惠基金收取一笔销售费用3 ％至6 ％ ，并已每年的开支范围从1到2 ％ 。 The upfront sales fee is charged to provide a commission to the salesperson.前期的销售费用是被控提供了一个委员会，该营业员。 For example, a 5% load fee means that only $95 out of every $100 is invested.举例来说， 5 ％的负荷费，就是说，只有95元出每100元投资。 I recommend that you NEVER invest in loaded mutual funds since a portion of your money is confiscated.我建议你永远不投资在装货互助基金以来，部分你的钱被没收。

The following graph shows the impact of expenses when investing $100 per month over 30 years.以下图表显示的影响时，投资费用100元，每月超过30年。 In this calculation different levels of fees are applied to average annual historic stock market returns.在这方面的计算不同层次的收费适用于平均每年历史性的股市回报。 In reality the returns for different mutual funds vary and 80% of managed funds do not achieve average market performance.在现实的效益，不同的共同基金不同，和80 ％的管理的基金没有达到市场平均表现。 The black dashed line represents a portfolio without fees.黑色虚线代表的投资组合没有收费。

The impact of expected returns based on the expense ratios and upfront fees is quite dramatic.的影响，预期回报的基础上，牺牲比率和预付费用是相当戏剧性。 Examine the difference in the expected return at 30 years of each portfolio versus the benchmark index.研究的差异，在预期回报率在30年的每个投资组合银两的基准指数。 The expenses of an index fund only absorb 4% of the portfolio potential, while the expenses of a loaded fund confiscates 35% of your portfolio potential.开支指数基金不仅吸纳了4 ％ ，该组合的潜力，而开支加载基金没收的35 ％ ，您的投资组合的潜力。 A mutual fund with a 1% expense ratio eats into 17% of your portfolio.共同基金与1 ％的费用比率吃成的17 ％ ，您的投资组合。 Many investors do not notice the impact of fees until their portfolios are large.很多投资者不通知的影响费，直到其投资组合的很大。 I recommend that you think with the end portfolio in mind.我建议你认为与年底的投资组合，铭记。 Employ low fee mutual funds all of the time to maximize your nest egg.聘请低收费互惠基金所有的时间，以最大限度地提高您的巢卵。

Follow your dreams, Achieve your goals! 按照你的梦想，实现自己的目标！