Schwab Fundamental Large Co (SFLNX) 定投收益计算器
测算 Schwab Fundamental Large Co (SFLNX) 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 Value / Blend (US)
资产规模 (AUM)
$13.47 Billion
管理费率 (Expense Ratio)
0.25%
基金经理
Schwab Asset Management
Schwab Fundamental Large Co (SFLNX) 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 @ 21.3% CAGR | 5 年期 @ 14.1% CAGR | 10 年期 @ 14.2% CAGR |
|---|---|---|---|
| $100/月 | $5,072 累计投入: $3,600 | $8,740 累计投入: $6,000 | $26,450 累计投入: $12,000 |
| $250/月 | $12,680 累计投入: $9,000 | $21,849 累计投入: $15,000 | $66,125 累计投入: $30,000 |
| $500/月 | $25,360 累计投入: $18,000 | $43,698 累计投入: $30,000 | $132,250 累计投入: $60,000 |
| $1,000/月 | $50,720 累计投入: $36,000 | $87,396 累计投入: $60,000 | $264,500 累计投入: $120,000 |
| $2,500/月 | $126,801 累计投入: $90,000 | $218,490 累计投入: $150,000 | $661,251 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 Schwab Fundamental U.S. Large Company Index Fund
Schwab Fundamental U.S. Large Company Index Fund (SFLNX) tracks the Research Affiliates Fundamental Index (RAFI), weighting companies by fundamental economic footprint—sales, cash flow, dividends, and buybacks—rather than market capitalization.
投资策略与运作方式
RAFI Fundamental Indexing — Weights large-cap US corporations according to four fundamental accounting metrics: 5-year average adjusted sales, 5-year average cash flow, 5-year total dividends + share repurchases, and latest book value. Automatically buys low and sells high during annual rebalancing.
核心亮点与产品特征
- Pioneered by Research Affiliates (Rob Arnott) Fundamental Index methodology
- Weights companies by 5-year cash flow, sales, dividends, and book value
- Over $13.6 Billion in assets under management
- Disciplined annual rebalancing trims overvalued stocks and adds to undervalued cash generators
历史年化收益表现 (CAGR)
近3年年化
21.34%
近5年年化
14.08%
近10年年化
14.15%
业绩基准
Russell RAFI US Large Company Index
Historical annualized returns as of August 2026. Fundamental indexing carries factor risks.
前五大核心持仓与行业分布
根据最新公开披露，Schwab Fundamental Large Co (SFLNX) 的核心持仓与资产配置如下：
前五大重仓资产
- Berkshire Hathaway (BRK.B)
- JPMorgan Chase & Co. (JPM)
- Exxon Mobil Corp. (XOM)
- Apple Inc. (AAPL)
- Microsoft Corp. (MSFT)
- Chevron Corp. (CVX)
行业板块分布
Financials 21.5%, Information Technology 16.8%, Healthcare 13.5%, Consumer Discretionary 12.4%, Energy 11.8%, Industrials 10.2%, Others 13.8%
风险特征与最大回撤
Standard deviation is ~14.6% offering disciplined fundamental value characteristics.
Showed remarkable relative resilience during the 2022 tech valuation correction.
交易规则与税费说明
Annual rebalancing may generate capital gain distributions in taxable mutual fund accounts. Highly suitable for IRAs and 401(k)s.
哪些投资者不适合投资 Schwab Fundamental Large Co (SFLNX)？
Investors seeking pure market-cap benchmark tracking with zero active factor tilts.
基金经理简介
Sub-advised by Charles Schwab Asset Management in partnership with Research Affiliates.
适合哪些投资者？
Ideal for value-oriented accumulators seeking a disciplined accounting-based alternative to market-cap indexing that systematically avoids paying inflated prices for overhyped stocks.
同类别及相关推荐基金
同类别备选基金
- Invesco S&P 500 Revenue ETF (RWL)
- Schwab U.S. Large-Cap Value ETF (SCHV)
- Avantis U.S. Large Cap Value ETF (AVLV)
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) — Schwab Fundamental Large Co (SFLNX)
Schwab Fundamental Large Co (SFLNX) 的历史定投回报表现如何？
根据交易所公开历史数据，Schwab Fundamental Large Co (SFLNX) 近3年年化回报率为 21.34%，近5年年化为 14.08%，近10年年化为 14.15%。 Historical annualized returns as of August 2026. Fundamental indexing carries factor risks.
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 14.08% 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 $43,698，预期资产增值收益约为 $13,698。您可以使用上方计算器输入自定义金额与年份测试。
Schwab Fundamental Large Co (SFLNX) 的前几大重仓资产包含哪些？
Schwab Fundamental Large Co (SFLNX) 的核心重仓包括 Berkshire Hathaway (BRK.B)、JPMorgan Chase & Co. (JPM)、Exxon Mobil Corp. (XOM) 等知名标的。行业配置侧重于 Financials 21.5%, Information Technology 16.8%, Healthcare 13.5%, Consumer Discretionary 12.4%, Energy 11.8%, Industrials 10.2%, Others 13.8%。
Schwab Fundamental Large Co (SFLNX) 的投资风险等级如何？
Standard deviation is ~14.6% offering disciplined fundamental value characteristics. 本基金可能不适合 Investors seeking pure market-cap benchmark tracking with zero active factor tilts.
投资该基金有哪些税费或交易成本？
Annual rebalancing may generate capital gain distributions in taxable mutual fund accounts. Highly suitable for IRAs and 401(k)s.
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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