Vanguard Total International Stock 定投收益计算器
测算 Vanguard Total International Stock 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
Foreign Large Blend
资产规模 (AUM)
$665.69 Billion
管理费率 (Expense Ratio)
0.17%
基金经理
Christine D. Franquin, Michael Perre & Scott E. Geiger
Vanguard Total International Stock 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 @ 20.3% CAGR | 5 年期 @ 9.4% CAGR | 10 年期 @ 9.2% CAGR |
|---|---|---|---|
| $100/月 | $4,985 累计投入: $3,600 | $7,680 累计投入: $6,000 | $19,688 累计投入: $12,000 |
| $250/月 | $12,462 累计投入: $9,000 | $19,199 累计投入: $15,000 | $49,220 累计投入: $30,000 |
| $500/月 | $24,924 累计投入: $18,000 | $38,399 累计投入: $30,000 | $98,439 累计投入: $60,000 |
| $1,000/月 | $49,849 累计投入: $36,000 | $76,798 累计投入: $60,000 | $196,878 累计投入: $120,000 |
| $2,500/月 | $124,622 累计投入: $90,000 | $191,994 累计投入: $150,000 | $492,195 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 International Stock Index Fund Investor Shares
Vanguard Total International Stock Index Fund provides comprehensive, low-cost exposure to non-US developed and emerging equity markets across over 8,500 companies in 40+ countries.
投资策略与运作方式
Passive Indexing — Tracks the MSCI ACWI ex USA Investable Market Index using representative sampling, covering large, mid, and small-cap equities across Europe, the Pacific Basin, Emerging Markets, and Canada.
核心亮点与产品特征
- Spans 8,500+ non-US companies across developed and emerging economies
- Low 0.17% expense ratio for comprehensive global equity coverage
- Invests in Europe (~40%), Pacific/Asia (~27%), Emerging Markets (~25%), and North America ex-US (~8%)
- Market-cap weighted global indexing approach
历史年化收益表现 (CAGR)
近3年年化
20.3%
近5年年化
9.39%
近10年年化
9.17%
业绩基准
MSCI ACWI ex USA IMI Index
Historical annualized returns as of August 2026. International investments carry currency and geopolitical risks.
前五大核心持仓与行业分布
根据最新公开披露，Vanguard Total International Stock 的核心持仓与资产配置如下：
前五大重仓资产
- Taiwan Semiconductor Manufacturing (TSMC)
- Novo Nordisk A/S
- ASML Holding NV
- Tencent Holdings Ltd.
- Samsung Electronics Co.
行业板块分布
Financials 21.4%, Information Technology 14.8%, Industrials 14.2%, Consumer Discretionary 11.5%, Healthcare 9.6%, Others 28.5%
风险特征与最大回撤
Standard deviation is ~16.4% due to emerging market and currency volatility.
Experienced -33.5% drawdown in early 2020 and -27.1% during the 2022 global dollar surge.
交易规则与税费说明
Qualified dividend income is eligible for reduced US tax rates. Foreign withholding taxes paid may be claimed as a Foreign Tax Credit on IRS Form 1116.
哪些投资者不适合投资 Vanguard Total International Stock？
Investors seeking pure domestic US market exposure or complete currency stability.
基金经理简介
Managed by Vanguard Equity Index Group's international equity team led by Christine Franquin and Michael Perre.
适合哪些投资者？
Essential international equity pillar for global asset allocation and Boglehead 3-fund portfolios looking to diversify beyond the United States.
同类别备选基金
- Fidelity Total International Index Fund (FTIHX)
- Schwab International Index Fund (SWISX)
- Vanguard Total World Stock ETF (VT)
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 International Stock
Vanguard Total International Stock 的历史定投回报表现如何？
根据交易所公开历史数据，Vanguard Total International Stock 近3年年化回报率为 20.3%，近5年年化为 9.39%，近10年年化为 9.17%。 Historical annualized returns as of August 2026. International investments carry currency and geopolitical risks.
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 9.39% 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 $38,399，预期资产增值收益约为 $8,399。您可以使用上方计算器输入自定义金额与年份测试。
Vanguard Total International Stock 的前几大重仓资产包含哪些？
Vanguard Total International Stock 的核心重仓包括 Taiwan Semiconductor Manufacturing (TSMC)、Novo Nordisk A/S、ASML Holding NV 等知名标的。行业配置侧重于 Financials 21.4%, Information Technology 14.8%, Industrials 14.2%, Consumer Discretionary 11.5%, Healthcare 9.6%, Others 28.5%。
Vanguard Total International Stock 的投资风险等级如何？
Standard deviation is ~16.4% due to emerging market and currency volatility. 本基金可能不适合 Investors seeking pure domestic US market exposure or complete currency stability.
投资该基金有哪些税费或交易成本？
Qualified dividend income is eligible for reduced US tax rates. Foreign withholding taxes paid may be claimed as a Foreign Tax Credit on IRS Form 1116.
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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