Vanguard Total Stock Market Admiral 定投收益计算器
测算 Vanguard Total Stock Market Admiral 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
Total US Stock Market
资产规模 (AUM)
$2.34 Trillion
管理费率 (Expense Ratio)
0.04%
基金经理
Walter Nejman, Michelle Louie & Nick Birkett
Vanguard Total Stock Market Admiral 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 @ 22.3% CAGR | 5 年期 @ 12.6% CAGR | 10 年期 @ 14.7% CAGR |
|---|---|---|---|
| $100/月 | $5,155 累计投入: $3,600 | $8,377 累计投入: $6,000 | $27,339 累计投入: $12,000 |
| $250/月 | $12,887 累计投入: $9,000 | $20,944 累计投入: $15,000 | $68,348 累计投入: $30,000 |
| $500/月 | $25,775 累计投入: $18,000 | $41,887 累计投入: $30,000 | $136,696 累计投入: $60,000 |
| $1,000/月 | $51,550 累计投入: $36,000 | $83,774 累计投入: $60,000 | $273,393 累计投入: $120,000 |
| $2,500/月 | $128,875 累计投入: $90,000 | $209,435 累计投入: $150,000 | $683,482 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 Stock Market Index Fund Admiral Shares
The flagship retail share class of the Vanguard Total Stock Market Index Fund. VTSAX offers complete coverage of the entire investable US stock market across 3,600+ companies.
投资策略与运作方式
Passive Indexing — VTSAX tracks the CRSP US Total Market Index using full replication for large/mid-caps and quantitative sampling for small-caps, weighted by market capitalization.
核心亮点与产品特征
- Full market coverage of 3,600+ US publicly traded stocks across all capitalizations
- Ultra-low 0.04% expense ratio ($4 per $10,000 invested annually)
- $3,000 minimum initial investment for retail taxable and IRA accounts
- World's largest total equity mutual fund strategy with over $1.7T in assets
历史年化收益表现 (CAGR)
近3年年化
22.31%
近5年年化
12.56%
近10年年化
14.69%
业绩基准
CRSP US Total Market Index
Historical returns as of August 2026. Annualized CAGR figures. Past performance is no guarantee of future returns.
前五大核心持仓与行业分布
根据最新公开披露，Vanguard Total Stock Market Admiral 的核心持仓与资产配置如下：
前五大重仓资产
- Microsoft Corp. (MSFT)
- Apple Inc. (AAPL)
- NVIDIA Corp. (NVDA)
- Amazon.com Inc. (AMZN)
- Alphabet Inc. (GOOGL/GOOG)
行业板块分布
Information Technology 31.5%, Financials 13.2%, Healthcare 11.8%, Consumer Discretionary 10.4%, Industrials 9.2%, Communication Services 8.6%, Consumer Staples 5.1%, Energy 3.8%, Others 6.4%
风险特征与最大回撤
3-year annualized standard deviation of ~15.2% reflects broad equity volatility across all capitalization tiers.
Drawdown of -35.0% in early 2020 and -24.5% during 2022, recovering strongly in subsequent years.
交易规则与税费说明
Rarely generates taxable capital gains distributions due to low turnover (~3%) and Vanguard's ETF share class creation/redemption mechanics.
哪些投资者不适合投资 Vanguard Total Stock Market Admiral？
Investors with short timeframes (<5 years) or those seeking guaranteed fixed income with zero equity volatility.
基金经理简介
Co-managed by Walter Nejman, Michelle Louie, and Nick Birkett of Vanguard Equity Index Group.
适合哪些投资者？
The cornerstone 'all-in-one' equity fund for long-term wealth builders, FIRE practitioners, and Boglehead 3-fund portfolios seeking complete US market diversification.
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常见问题解答 (FAQ) — Vanguard Total Stock Market Admiral
Vanguard Total Stock Market Admiral 的历史定投回报表现如何？
根据交易所公开历史数据，Vanguard Total Stock Market Admiral 近3年年化回报率为 22.31%，近5年年化为 12.56%，近10年年化为 14.69%。 Historical returns as of August 2026. Annualized CAGR figures. Past performance is no guarantee of future returns.
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 12.56% 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 $41,887，预期资产增值收益约为 $11,887。您可以使用上方计算器输入自定义金额与年份测试。
Vanguard Total Stock Market Admiral 的前几大重仓资产包含哪些？
Vanguard Total Stock Market Admiral 的核心重仓包括 Microsoft Corp. (MSFT)、Apple Inc. (AAPL)、NVIDIA Corp. (NVDA) 等知名标的。行业配置侧重于 Information Technology 31.5%, Financials 13.2%, Healthcare 11.8%, Consumer Discretionary 10.4%, Industrials 9.2%, Communication Services 8.6%, Consumer Staples 5.1%, Energy 3.8%, Others 6.4%。
Vanguard Total Stock Market Admiral 的投资风险等级如何？
3-year annualized standard deviation of ~15.2% reflects broad equity volatility across all capitalization tiers. 本基金可能不适合 Investors with short timeframes (<5 years) or those seeking guaranteed fixed income with zero equity volatility.
投资该基金有哪些税费或交易成本？
Rarely generates taxable capital gains distributions due to low turnover (~3%) and Vanguard's ETF share class creation/redemption mechanics.
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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