Goldman Sachs FS Government 定投收益计算器
测算 Goldman Sachs FS Government 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
Money Market (US)
资产规模 (AUM)
$216.93 Billion
管理费率 (Expense Ratio)
0.18%
基金经理
Goldman Sachs Asset Management
Goldman Sachs FS Government 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 @ 3.3% CAGR | 5 年期 @ 3.3% CAGR | 10 年期 @ 2.1% CAGR |
|---|---|---|---|
| $100/月 | $3,787 累计投入: $3,600 | $6,525 累计投入: $6,000 | $13,350 累计投入: $12,000 |
| $250/月 | $9,467 累计投入: $9,000 | $16,312 累计投入: $15,000 | $33,374 累计投入: $30,000 |
| $500/月 | $18,934 累计投入: $18,000 | $32,624 累计投入: $30,000 | $66,748 累计投入: $60,000 |
| $1,000/月 | $37,868 累计投入: $36,000 | $65,248 累计投入: $60,000 | $133,495 累计投入: $120,000 |
| $2,500/月 | $94,670 累计投入: $90,000 | $163,120 累计投入: $150,000 | $333,738 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 Goldman Sachs Financial Square Government Fund Institutional
Goldman Sachs Financial Square Government Fund is a premier institutional liquidity vehicle. It invests in high-grade U.S. government obligations and repo agreements to provide income, liquidity, and a stable $1.00 NAV.
投资策略与运作方式
Institutional Government Money Market Strategy — Seeks to maintain capital preservation and 100% daily liquidity by investing at least 99.5% of assets in cash, U.S. government securities, and government-backed repos with a maximum 60-day dollar-weighted average maturity.
核心亮点与产品特征
- Maintains a stable $1.00 net asset value (NAV) per share
- Over $272 Billion in AUM across global institutional clients
- Low institutional expense ratio of 0.18%
- Institutional share class with $1M investment minimum
历史年化收益表现 (CAGR)
近3年年化
0.0%
近5年年化
3.26% (Compound Yield)
近10年年化
2.08% (Compound Yield)
业绩基准
FTSE 3-Month US Treasury Bill Index
Money market funds are not insured by the FDIC.
前五大核心持仓与行业分布
根据最新公开披露，Goldman Sachs FS Government 的核心持仓与资产配置如下：
前五大重仓资产
- U.S. Treasury Bills & Notes (~50-60%)
- U.S. Government Agency Repurchase Agreements (~40-50%)
- Cash Equivalents (<1%)
行业板块分布
U.S. Treasury Obligations 56.4%, Government Agency Repos 43.3%, Cash Equivalents 0.3%
风险特征与最大回撤
Near-zero NAV volatility aiming for constant $1.00 per share value.
Maintained continuous $1.00 NAV across all financial market cycles.
交易规则与税费说明
Distributions are taxable as ordinary income. A portion derived from direct Treasuries is state-tax exempt.
哪些投资者不适合投资 Goldman Sachs FS Government？
Retail savers needing sub-$1,000 access or long-term growth investors.
基金经理简介
Managed by Goldman Sachs Asset Management Global Liquidity Solutions team.
适合哪些投资者？
Ideal for institutional treasuries, corporate cash balances, endowments, and qualified high-net-worth investors seeking premium credit preservation.
同类别及相关推荐基金
同类别备选基金
- JPMorgan US Government Money Market Fund (OGVXX)
- Vanguard Federal Money Market Fund (VMFXX)
- BlackRock Liquidity FedFund (TFDXX)
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。
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常见问题解答 (FAQ) — Goldman Sachs FS Government
Goldman Sachs FS Government 的历史定投回报表现如何？
根据交易所公开历史数据，Goldman Sachs FS Government 近3年年化回报率为 0.0%，近5年年化为 3.26% (Compound Yield)，近10年年化为 2.08% (Compound Yield)。 Money market funds are not insured by the FDIC.
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 3.26% 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 $32,624，预期资产增值收益约为 $2,624。您可以使用上方计算器输入自定义金额与年份测试。
Goldman Sachs FS Government 的前几大重仓资产包含哪些？
Goldman Sachs FS Government 的核心重仓包括 U.S. Treasury Bills & Notes (~50-60%)、U.S. Government Agency Repurchase Agreements (~40-50%)、Cash Equivalents (<1%) 等知名标的。行业配置侧重于 U.S. Treasury Obligations 56.4%, Government Agency Repos 43.3%, Cash Equivalents 0.3%。
Goldman Sachs FS Government 的投资风险等级如何？
Near-zero NAV volatility aiming for constant $1.00 per share value. 本基金可能不适合 Retail savers needing sub-$1,000 access or long-term growth investors.
投资该基金有哪些税费或交易成本？
Distributions are taxable as ordinary income. A portion derived from direct Treasuries is state-tax exempt.
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
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