State Street US Government 定投收益计算器
测算 State Street US 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)
$142.66 Billion
管理费率 (Expense Ratio)
0.11%
基金经理
State Street Global Advisors (SSGA)
State Street US 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 | $3,789 累计投入: $3,600 | $6,532 累计投入: $6,000 | $13,377 累计投入: $12,000 |
| $250/月 | $9,473 累计投入: $9,000 | $16,329 累计投入: $15,000 | $33,443 累计投入: $30,000 |
| $500/月 | $18,946 累计投入: $18,000 | $32,658 累计投入: $30,000 | $66,887 累计投入: $60,000 |
| $1,000/月 | $37,892 累计投入: $36,000 | $65,316 累计投入: $60,000 | $133,774 累计投入: $120,000 |
| $2,500/月 | $94,729 累计投入: $90,000 | $163,290 累计投入: $150,000 | $334,434 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 State Street US Government Money Market Fund Premier Shares
State Street Institutional U.S. Government Money Market Fund (GVMXX) is a massive wholesale cash management fund managing over $215 Billion. With an industry-low 0.11% expense ratio, it provides institutional clients with maximal yield retention and sovereign safety.
投资策略与运作方式
Institutional Government Liquidity Strategy — Invests at least 99.5% of total assets in cash, U.S. government securities, and government repo agreements with an average weighted maturity under 60 days, targeting constant $1.00 NAV.
核心亮点与产品特征
- Maintains a stable $1.00 net asset value (NAV) per share
- Ultra-low 0.11% net expense ratio matching Vanguard pricing
- Over $215 Billion in institutional assets under management
- Backed by State Street Global Advisors (SSGA)
历史年化收益表现 (CAGR)
近3年年化
0.0%
近5年年化
3.30% (Compound Yield)
近10年年化
2.12% (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，State Street US 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 (~55-65%)
- U.S. Government Agency Repos (~35-45%)
- Cash Equivalents (<1%)
行业板块分布
U.S. Treasury Debt 58.4%, Government Agency Repos 41.3%, Cash Equivalents 0.3%
风险特征与最大回撤
Near-zero NAV volatility targeting continuous $1.00 share value.
Maintained unbroken $1.00 NAV throughout all market stress environments.
交易规则与税费说明
Dividends are taxable federally. Treasury percentage is exempt from state and local income taxes.
哪些投资者不适合投资 State Street US Government？
Retail investors seeking sub-$1,000 minimums or multi-year wealth accumulation.
基金经理简介
Managed by State Street Global Advisors Global Cash Management team.
适合哪些投资者？
Ideal for institutional treasury managers, pension cash reserves, and global institutional investors seeking low-cost government liquidity backed by State Street.
同类别及相关推荐基金
同类别备选基金
- Vanguard Federal Money Market Fund (VMFXX)
- Goldman Sachs FS Government Fund (FGTXX)
- BlackRock Liquidity Treasury Trust Fund (TTTXX)
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) — State Street US Government
State Street US Government 的历史定投回报表现如何？
根据交易所公开历史数据，State Street US Government 近3年年化回报率为 0.0%，近5年年化为 3.30% (Compound Yield)，近10年年化为 2.12% (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 3.3% 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 $32,658，预期资产增值收益约为 $2,658。您可以使用上方计算器输入自定义金额与年份测试。
State Street US Government 的前几大重仓资产包含哪些？
State Street US Government 的核心重仓包括 U.S. Treasury Bills & Notes (~55-65%)、U.S. Government Agency Repos (~35-45%)、Cash Equivalents (<1%) 等知名标的。行业配置侧重于 U.S. Treasury Debt 58.4%, Government Agency Repos 41.3%, Cash Equivalents 0.3%。
State Street US Government 的投资风险等级如何？
Near-zero NAV volatility targeting continuous $1.00 share value. 本基金可能不适合 Retail investors seeking sub-$1,000 minimums or multi-year wealth accumulation.
投资该基金有哪些税费或交易成本？
Dividends are taxable federally. Treasury percentage is exempt from state and local income taxes.
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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