Vanguard Total Bond Market II Inst 定投收益计算器
测算 Vanguard Total Bond Market II Inst 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
Intermediate Core Bond
资产规模 (AUM)
$390.19 Billion
管理费率 (Expense Ratio)
0.02%
基金经理
Joshua C. Barrickman (Vanguard Fixed Income Group)
Vanguard Total Bond Market II Inst 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 @ 3.9% CAGR | 5 年期 @ -0.7% CAGR | 10 年期 @ 1.1% CAGR |
|---|---|---|---|
| $100/月 | $3,826 累计投入: $3,600 | $5,896 累计投入: $6,000 | $12,658 累计投入: $12,000 |
| $250/月 | $9,565 累计投入: $9,000 | $14,740 累计投入: $15,000 | $31,645 累计投入: $30,000 |
| $500/月 | $19,130 累计投入: $18,000 | $29,480 累计投入: $30,000 | $63,289 累计投入: $60,000 |
| $1,000/月 | $38,261 累计投入: $36,000 | $58,960 累计投入: $60,000 | $126,579 累计投入: $120,000 |
| $2,500/月 | $95,652 累计投入: $90,000 | $147,399 累计投入: $150,000 | $316,447 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 Total Bond Market II Index Fund Institutional Shares
Vanguard Total Bond Market II Index Fund Institutional Shares provides comprehensive, broad-market exposure to the investment-grade U.S. bond universe at an ultra-low 0.02% expense ratio. Used widely in Vanguard Target Retirement funds and institutional portfolios.
投资策略与运作方式
Passive Indexing — Tracks the Bloomberg US Aggregate Float Adjusted Index using sampling, investing in investment-grade U.S. Treasury, government agency, corporate, and securitized fixed income debt with maturities greater than 1 year.
核心亮点与产品特征
- Tracks the Bloomberg US Aggregate Float Adjusted Index across 10,000+ bond issues
- Rock-bottom 0.02% expense ratio for institutional share class
- Over $380 Billion in total strategy assets (and $207B in VTBNX)
- Weighted average duration of ~6.0-6.5 years with intermediate maturity profile
历史年化收益表现 (CAGR)
近3年年化
3.92%
近5年年化
-0.69%
近10年年化
1.05%
业绩基准
Bloomberg US Aggregate Float Adjusted Index
Historical annualized returns as of August 2026. Past performance does not guarantee future results.
前五大核心持仓与行业分布
根据最新公开披露，Vanguard Total Bond Market II Inst 的核心持仓与资产配置如下：
前五大重仓资产
- U.S. Treasury Notes & Bonds (~48-52%)
- Fannie Mae / Freddie Mac Mortgage-Backed Securities (~20-24%)
- Investment-Grade Corporate Debt (~18-22%)
- Government Agency Bonds (~3-5%)
- Commercial MBS & Asset-Backed Securities (~2-4%)
行业板块分布
Treasury 49.5%, Mortgage-Backed 21.8%, Industrial Corporate 14.2%, Financial Corporate 8.4%, Utilities & Others 6.1%
风险特征与最大回撤
Intermediate bond volatility with duration of ~6.2 years. Modest fluctuations with interest rate shifts.
Experienced -13% drawdown during the unprecedented 2022 global bond rate hike cycle before recovering.
交易规则与税费说明
Monthly bond interest distributions are generally taxable as ordinary income. Ideal for tax-sheltered IRA/401(k) accounts.
哪些投资者不适合投资 Vanguard Total Bond Market II Inst？
Aggressive young investors seeking maximum long-term equity growth (>15 years out).
基金经理简介
Managed by Joshua C. Barrickman, Head of Fixed Income Indexing Americas at Vanguard.
适合哪些投资者？
Essential fixed income core for conservative investors, target-date retirement funds, and multi-asset asset allocators seeking steady income and equity diversification.
同类别备选基金
- Vanguard Total Bond Market Index Fund (VBTLX)
- iShares Core U.S. Aggregate Bond ETF (AGG)
- Fidelity U.S. Bond Index Fund (FXNAX)
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) — Vanguard Total Bond Market II Inst
Vanguard Total Bond Market II Inst 的历史定投回报表现如何？
根据交易所公开历史数据，Vanguard Total Bond Market II Inst 近3年年化回报率为 3.92%，近5年年化为 -0.69%，近10年年化为 1.05%。 Historical annualized returns as of August 2026. Past performance does not guarantee future results.
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 -0.69% 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 $29,480，预期资产增值收益约为 -$520。您可以使用上方计算器输入自定义金额与年份测试。
Vanguard Total Bond Market II Inst 的前几大重仓资产包含哪些？
Vanguard Total Bond Market II Inst 的核心重仓包括 U.S. Treasury Notes & Bonds (~48-52%)、Fannie Mae / Freddie Mac Mortgage-Backed Securities (~20-24%)、Investment-Grade Corporate Debt (~18-22%) 等知名标的。行业配置侧重于 Treasury 49.5%, Mortgage-Backed 21.8%, Industrial Corporate 14.2%, Financial Corporate 8.4%, Utilities & Others 6.1%。
Vanguard Total Bond Market II Inst 的投资风险等级如何？
Intermediate bond volatility with duration of ~6.2 years. Modest fluctuations with interest rate shifts. 本基金可能不适合 Aggressive young investors seeking maximum long-term equity growth (>15 years out).
投资该基金有哪些税费或交易成本？
Monthly bond interest distributions are generally taxable as ordinary income. Ideal for tax-sheltered IRA/401(k) accounts.
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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