Vanguard Total Bond Market II Inv 定投收益计算器
测算 Vanguard Total Bond Market II Inv 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)
0.09%
基金经理
Joshua C. Barrickman (Vanguard Fixed Income Group)
Vanguard Total Bond Market II Inv 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 @ -0.8% CAGR | 10 年期 @ 1.0% CAGR |
|---|---|---|---|
| $100/月 | $3,822 累计投入: $3,600 | $5,884 累计投入: $6,000 | $12,606 累计投入: $12,000 |
| $250/月 | $9,556 累计投入: $9,000 | $14,710 累计投入: $15,000 | $31,515 累计投入: $30,000 |
| $500/月 | $19,112 累计投入: $18,000 | $29,420 累计投入: $30,000 | $63,031 累计投入: $60,000 |
| $1,000/月 | $38,225 累计投入: $36,000 | $58,840 累计投入: $60,000 | $126,061 累计投入: $120,000 |
| $2,500/月 | $95,562 累计投入: $90,000 | $147,101 累计投入: $150,000 | $315,153 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 Investor Shares
Vanguard Total Bond Market II Index Fund Investor Shares provides retail and retirement investors with low-cost, comprehensive exposure to the broad U.S. investment-grade bond market across thousands of public and corporate debt issues.
投资策略与运作方式
Passive Indexing — Tracks the Bloomberg US Aggregate Float Adjusted Index using quantitative sampling, investing across U.S. Treasuries, government agency debt, corporate bonds, and mortgage-backed securities.
核心亮点与产品特征
- Tracks the Bloomberg US Aggregate Float Adjusted Index
- Low 0.09% expense ratio for retail investor class
- Over $173 Billion in Investor share class assets
- High-grade credit profile with ~70% government-backed debt
历史年化收益表现 (CAGR)
近3年年化
3.86%
近5年年化
-0.77%
近10年年化
0.97%
业绩基准
Bloomberg US Aggregate Float Adjusted Index
Historical annualized returns as of August 2026. Past performance is no guarantee of 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 Inv 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
Moderate interest rate sensitivity with duration of ~5.8 years.
Experienced -13% drawdown during 2022 rate hike cycle before stabilizing and recovering.
交易规则与税费说明
Monthly interest distributions are taxable as ordinary income; optimal in tax-deferred IRA/401(k) accounts.
哪些投资者不适合投资 Vanguard Total Bond Market II Inv？
Young, aggressive growth investors seeking multi-decade equity compounding.
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 component for balanced asset allocation, conservative retirement accounts, and target-date fund investors.
同类别备选基金
- Vanguard Total Bond Market II Index Fund Institutional (VTBNX)
- Vanguard Total Bond Market Index Fund (VBTLX)
- iShares Core U.S. Aggregate Bond ETF (AGG)
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 Inv
Vanguard Total Bond Market II Inv 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 Inv 近3年年化回报率为 3.86%，近5年年化为 -0.77%，近10年年化为 0.97%。 Historical annualized returns as of August 2026. Past performance is no guarantee of 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 -0.77% 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 $29,420，预期资产增值收益约为 -$580。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 Inv 的前几大重仓资产包含哪些？
Vanguard Total Bond Market II Inv 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 Inv 的投资风险等级如何？
Moderate interest rate sensitivity with duration of ~5.8 years. 本基金可能不适合 Young, aggressive growth investors seeking multi-decade equity compounding.
投资该基金有哪些税费或交易成本？
Monthly interest distributions are taxable as ordinary income; optimal in tax-deferred 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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