Schwab Prime Advantage Money Fund 定投收益计算器
测算 Schwab Prime Advantage Money Fund 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)
$1.00 Million
管理费率 (Expense Ratio)
0.34%
基金经理
Linda Klingman (Schwab Asset Management)
Schwab Prime Advantage Money Fund 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 @ 3.4% CAGR | 5 年期 @ 3.4% CAGR | 10 年期 @ 2.1% CAGR |
|---|---|---|---|
| $100/月 | $3,792 累计投入: $3,600 | $6,540 累计投入: $6,000 | $13,398 累计投入: $12,000 |
| $250/月 | $9,480 累计投入: $9,000 | $16,350 累计投入: $15,000 | $33,496 累计投入: $30,000 |
| $500/月 | $18,961 累计投入: $18,000 | $32,700 累计投入: $30,000 | $66,991 累计投入: $60,000 |
| $1,000/月 | $37,921 累计投入: $36,000 | $65,401 累计投入: $60,000 | $133,983 累计投入: $120,000 |
| $2,500/月 | $94,803 累计投入: $90,000 | $163,502 累计投入: $150,000 | $334,957 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 Prime Advantage Money Fund Investor Shares
Schwab's flagship prime money market fund, SWVXX invests in high-grade commercial paper, certificates of deposit, and short-term debt to deliver maximum current yield while preserving a stable $1.00 NAV.
投资策略与运作方式
Prime Money Market Strategy — Seeks maximum current income consistent with liquidity and capital preservation by investing in high-quality short-term corporate and bank obligations, maintaining a dollar-weighted average maturity of 60 days or less.
核心亮点与产品特征
- Targets a stable $1.00 net asset value (NAV) per share
- Prime credit portfolio consisting of top-tier commercial paper, CDs, and bank notes
- No minimum investment requirement on Schwab platforms ($0 min)
- Over $248 Billion in AUM with deep daily liquidity
历史年化收益表现 (CAGR)
近3年年化
0.0%
近5年年化
3.35% (Compound Yield)
近10年年化
2.15% (Compound Yield)
业绩基准
Crane Prime Money Market Index
Money market funds are not FDIC insured. Share price stability is targeted but not guaranteed.
前五大核心持仓与行业分布
根据最新公开披露，Schwab Prime Advantage Money Fund 的核心持仓与资产配置如下：
前五大重仓资产
- Commercial Paper (~40-50%)
- Certificates of Deposit & Time Deposits (~30-40%)
- U.S. Government Agency & Repo Securities (~10-20%)
行业板块分布
Financial Services Debt 52.4%, Commercial Paper 31.2%, U.S. Government Repos 15.8%, Cash Equivalents 0.6%
风险特征与最大回撤
Near-zero NAV volatility targeting constant $1.00 per share valuation.
Has maintained continuous $1.00 per share pricing across major economic cycles.
交易规则与税费说明
Monthly income distributions are fully taxable as ordinary income at federal, state, and local rates.
哪些投资者不适合投资 Schwab Prime Advantage Money Fund？
Investors looking for state-tax-exempt yields or multi-year equity growth.
基金经理简介
Led by Linda Klingman, Head of Money Market Strategies at Schwab Asset Management.
适合哪些投资者？
Ideal for Schwab brokerage clients, individual investors, and corporate cash managers seeking higher cash yield than traditional bank savings accounts.
同类别及相关推荐基金
同类别备选基金
- Vanguard Federal Money Market Fund (VMFXX)
- Fidelity Government Money Market Fund (SPAXX)
- FDRXX - Fidelity Government Cash Reserves
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
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- 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) — Schwab Prime Advantage Money Fund
Schwab Prime Advantage Money Fund 的历史定投回报表现如何？
根据交易所公开历史数据，Schwab Prime Advantage Money Fund 近3年年化回报率为 0.0%，近5年年化为 3.35% (Compound Yield)，近10年年化为 2.15% (Compound Yield)。 Money market funds are not FDIC insured. Share price stability is targeted but not guaranteed.
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 3.35% 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 $32,700，预期资产增值收益约为 $2,700。您可以使用上方计算器输入自定义金额与年份测试。
Schwab Prime Advantage Money Fund 的前几大重仓资产包含哪些？
Schwab Prime Advantage Money Fund 的核心重仓包括 Commercial Paper (~40-50%)、Certificates of Deposit & Time Deposits (~30-40%)、U.S. Government Agency & Repo Securities (~10-20%) 等知名标的。行业配置侧重于 Financial Services Debt 52.4%, Commercial Paper 31.2%, U.S. Government Repos 15.8%, Cash Equivalents 0.6%。
Schwab Prime Advantage Money Fund 的投资风险等级如何？
Near-zero NAV volatility targeting constant $1.00 per share valuation. 本基金可能不适合 Investors looking for state-tax-exempt yields or multi-year equity growth.
投资该基金有哪些税费或交易成本？
Monthly income distributions are fully taxable as ordinary income at federal, state, and local rates.
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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