Vanguard Federal Money Market 定投收益计算器
测算 Vanguard Federal Money Market 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)
0.11%
基金经理
Nafis T. Smith & Eion D'Anjou
Vanguard Federal Money Market 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 | $3,788 累计投入: $3,600 | $6,528 累计投入: $6,000 | $13,363 累计投入: $12,000 |
| $250/月 | $9,470 累计投入: $9,000 | $16,320 累计投入: $15,000 | $33,409 累计投入: $30,000 |
| $500/月 | $18,940 累计投入: $18,000 | $32,641 累计投入: $30,000 | $66,817 累计投入: $60,000 |
| $1,000/月 | $37,880 累计投入: $36,000 | $65,282 累计投入: $60,000 | $133,634 累计投入: $120,000 |
| $2,500/月 | $94,700 累计投入: $90,000 | $163,205 累计投入: $150,000 | $334,086 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 Vanguard Federal Money Market Fund Investor Shares
Vanguard's flagship government money market fund and primary default settlement fund. VMFXX invests virtually 100% of assets in short-term US government securities and repo agreements at an ultra-low 0.11% expense ratio.
投资策略与运作方式
Government Money Market Strategy — Invests at least 99.5% of total assets in cash, US government securities, and repurchase agreements collateralized by government securities, targeting a stable $1.00 share price with maximum liquidity.
核心亮点与产品特征
- Maintains a stable $1.00 net asset value (NAV) per share
- Ultra-low 0.11% expense ratio among the lowest in retail money market funds
- Default settlement account for millions of Vanguard brokerage accounts
- $3,000 minimum initial investment for standalone non-brokerage accounts
历史年化收益表现 (CAGR)
近3年年化
0.0%
近5年年化
3.28% (Compound Yield)
近10年年化
2.10% (Compound Yield)
业绩基准
FTSE 3-Month US Treasury Bill Index
Money market funds are not insured or guaranteed by the FDIC.
前五大核心持仓与行业分布
根据最新公开披露，Vanguard Federal Money Market 的核心持仓与资产配置如下：
前五大重仓资产
- U.S. Treasury Bills & Notes (~60-70%)
- U.S. Government Agency Repurchase Agreements (~30-40%)
- Cash & Cash Equivalents (<1%)
行业板块分布
U.S. Treasury Obligations 64.2%, Government Agency Repos 35.5%, Cash Equivalents 0.3%
风险特征与最大回撤
Near-zero NAV volatility with a stable $1.00 NAV target.
Has never broken the buck ($1.00 NAV) in its 45+ year history.
交易规则与税费说明
Dividends are taxable federally. A large majority of dividends derived from direct Treasury bills are exempt from state and local income taxes.
哪些投资者不适合投资 Vanguard Federal Money Market？
Long-term investors seeking wealth accumulation or inflation-hedging capital appreciation.
基金经理简介
Managed by Vanguard Fixed Income Group's money market specialists Nafis T. Smith and Eion D'Anjou.
适合哪些投资者？
Ideal for conservative investors seeking cash preservation, emergency savings, high liquid yield, and Vanguard settlement reserves.
同类别及相关推荐基金
同类别备选基金
- Fidelity Government Money Market Fund (SPAXX)
- Schwab Prime Advantage Money Fund (SWVXX)
- Fidelity Government Cash Reserves (FDRXX)
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) — Vanguard Federal Money Market
Vanguard Federal Money Market 的历史定投回报表现如何？
根据交易所公开历史数据，Vanguard Federal Money Market 近3年年化回报率为 0.0%，近5年年化为 3.28% (Compound Yield)，近10年年化为 2.10% (Compound Yield)。 Money market funds are not insured or guaranteed 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 3.28% 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 $32,641，预期资产增值收益约为 $2,641。您可以使用上方计算器输入自定义金额与年份测试。
Vanguard Federal Money Market 的前几大重仓资产包含哪些？
Vanguard Federal Money Market 的核心重仓包括 U.S. Treasury Bills & Notes (~60-70%)、U.S. Government Agency Repurchase Agreements (~30-40%)、Cash & Cash Equivalents (<1%) 等知名标的。行业配置侧重于 U.S. Treasury Obligations 64.2%, Government Agency Repos 35.5%, Cash Equivalents 0.3%。
Vanguard Federal Money Market 的投资风险等级如何？
Near-zero NAV volatility with a stable $1.00 NAV target. 本基金可能不适合 Long-term investors seeking wealth accumulation or inflation-hedging capital appreciation.
投资该基金有哪些税费或交易成本？
Dividends are taxable federally. A large majority of dividends derived from direct Treasury bills are 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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