BNY Mellon US Large Cap (BKLC) 定投收益计算器
测算 BNY Mellon US Large Cap (BKLC) 的真实历史定投回报与复利增值。基于官方公开历史净值，回测不同定投金额、持有期限及每年递增投资效果。
基金类别
Large Blend (US)
资产规模 (AUM)
$5.75 Billion
管理费率 (Expense Ratio)
0.00%
基金经理
BNY Mellon Investment Adviser
BNY Mellon US Large Cap (BKLC) 历史定投表现及收益矩阵表
基于实际历史复合年化回报率（CAGR）测算的不同月定投金额持有收益。
| 每月定投金额 | 3 年期 @ 23.5% CAGR | 5 年期 @ 14.0% CAGR | 10 年期 @ 2020.0% CAGR |
|---|---|---|---|
| $100/月 | $5,258 累计投入: $3,600 | $8,723 累计投入: $6,000 | $440,006,994,298,294,900,000,000,000,000,000,000,000,000,000,000,000,000 累计投入: $12,000 |
| $250/月 | $13,145 累计投入: $9,000 | $21,806 累计投入: $15,000 | $1,100,017,485,745,737,300,000,000,000,000,000,000,000,000,000,000,000,000 累计投入: $30,000 |
| $500/月 | $26,290 累计投入: $18,000 | $43,613 累计投入: $30,000 | $2,200,034,971,491,474,700,000,000,000,000,000,000,000,000,000,000,000,000 累计投入: $60,000 |
| $1,000/月 | $52,581 累计投入: $36,000 | $87,225 累计投入: $60,000 | $4,400,069,942,982,949,000,000,000,000,000,000,000,000,000,000,000,000,000 累计投入: $120,000 |
| $2,500/月 | $131,452 累计投入: $90,000 | $218,063 累计投入: $150,000 | $11,000,174,857,457,373,000,000,000,000,000,000,000,000,000,000,000,000,000 累计投入: $300,000 |
* 测算基于实际基金历史年化收益率。基金投资不同于银行存款，实际投资回报随二级市场净值实时波动。
关于 BNY Mellon US Large Cap Core ETF
BNY Mellon US Large Cap Core ETF (BKLC) is the industry's first zero-expense-ratio (0.00% ER) large-cap core equity ETF. It tracks the Solactive GBS United States 500 Index without charging any management fee, allowing investors to capture 100% of large-cap US market performance.
投资策略与运作方式
Passive Zero-Fee Indexing — Tracks the Solactive GBS United States 500 Index using full replication, investing in the 500 largest market-cap US companies with zero management or administrative fee drag.
核心亮点与产品特征
- Zero management fee and zero net expense ratio (0.00% ER)
- Tracks the Solactive GBS United States 500 Index
- Over $5.7 Billion in assets under management
- Launched in April 2020 as part of BNY Mellon's disruptive zero-fee suite
历史年化收益表现 (CAGR)
近3年年化
23.49%
近5年年化
14.01%
近10年年化
N/A (Inception 2020)
业绩基准
Solactive GBS United States 500 Index TR
Historical annualized returns as of August 2026. Past performance is no guarantee of future results.
前五大核心持仓与行业分布
根据最新公开披露，BNY Mellon US Large Cap (BKLC) 的核心持仓与资产配置如下：
前五大重仓资产
- Microsoft Corp. (MSFT)
- Apple Inc. (AAPL)
- NVIDIA Corp. (NVDA)
- Amazon.com Inc. (AMZN)
- Meta Platforms Inc. (META)
行业板块分布
Information Technology 32.5%, Financials 12.8%, Healthcare 11.5%, Consumer Discretionary 10.1%, Communication Services 9.0%, Industrials 8.4%, Others 15.7%
风险特征与最大回撤
Standard deviation is ~15.0% over 3 years, closely tracking large-cap US equities.
Experienced -23.8% drawdown during 2022, closely mirroring S&P 500 performance.
交易规则与税费说明
Tax-efficient ETF structure. Distributions are primarily qualified dividends.
哪些投资者不适合投资 BNY Mellon US Large Cap (BKLC)？
High-frequency traders requiring multi-million-dollar instant block liquidity.
基金经理简介
Managed by BNY Mellon Investment Adviser passive equity team.
适合哪些投资者？
Ideal for ultra-cost-conscious investors and fee-sensitive index purists seeking zero-cost exposure to America's 500 largest corporations in an ETF format.
同类别及相关推荐基金
同类别备选基金
- Fidelity ZERO Large Cap Index Fund (FNILX)
- SPDR Portfolio S&P 500 ETF (SPYM)
- Vanguard S&P 500 ETF (VOO)
您也可以通过我们的 智能定投主计算器 对比多只基金，在相同定投金额与周期下直观比对历史表现。
更多定投与财务规划实用工具
- 财务自由 (FIRE) 计算器 — 规划您的提前退休与被动收入目标
- 推迟定投成本计算器 — 直观测算推迟开始定投将损失的复利财富
- 定投 vs 还贷 (SIP vs EMI) 计算器 — 科学权衡提前还房贷还是坚持基金定投
常见问题解答 (FAQ) — BNY Mellon US Large Cap (BKLC)
BNY Mellon US Large Cap (BKLC) 的历史定投回报表现如何？
根据交易所公开历史数据，BNY Mellon US Large Cap (BKLC) 近3年年化回报率为 23.49%，近5年年化为 14.01%，近10年年化为 N/A (Inception 2020)。 Historical annualized returns as of August 2026. Past performance is no guarantee of future results.
基金定投（SIP）的回报是如何计算的？
定投回报采用扩展内部收益率（XIRR）或基于真实历史月度净值的复利回测计算。在每月设定的扣款日，定投金额会按当天公布的基金份额净值（NAV）申购份额。在市场回调时自动购入更多份额、市场上涨时购入更少份额，通过时间平摊持仓成本并实现复利。
每月定投 $500，5年后大约能积累多少资产？
按年化复合回报率 14.01% 测算，每月定投 $500（5年累计投入本金 $30,000），5年后预期期末总资产约为 $43,613，预期资产增值收益约为 $13,613。您可以使用上方计算器输入自定义金额与年份测试。
BNY Mellon US Large Cap (BKLC) 的前几大重仓资产包含哪些？
BNY Mellon US Large Cap (BKLC) 的核心重仓包括 Microsoft Corp. (MSFT)、Apple Inc. (AAPL)、NVIDIA Corp. (NVDA) 等知名标的。行业配置侧重于 Information Technology 32.5%, Financials 12.8%, Healthcare 11.5%, Consumer Discretionary 10.1%, Communication Services 9.0%, Industrials 8.4%, Others 15.7%。
BNY Mellon US Large Cap (BKLC) 的投资风险等级如何？
Standard deviation is ~15.0% over 3 years, closely tracking large-cap US equities. 本基金可能不适合 High-frequency traders requiring multi-million-dollar instant block liquidity.
投资该基金有哪些税费或交易成本？
Tax-efficient ETF structure. Distributions are primarily qualified dividends.
数据更新时间: 2026年9月 | 历史净值来自官方公开交易所行情
准备好测算 BNY Mellon US Large Cap (BKLC) 的定投收益了吗？
使用基于真实历史净值的免费定投计算器，无需注册即可开始测算。
进入 BNY Mellon US Large Cap (BKLC) 定投计算器 →