Vanguard Total Stock Market Inst Plus 定投收益计算器
测算 Vanguard Total Stock Market Inst Plus 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)
0.02%
基金经理
Walter Nejman, Michelle Louie & Nick Birkett
Vanguard Total Stock Market Inst Plus 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 | $5,157 累计投入: $3,600 | $8,382 累计投入: $6,000 | $27,373 累计投入: $12,000 |
| $250/月 | $12,892 累计投入: $9,000 | $20,955 累计投入: $15,000 | $68,432 累计投入: $30,000 |
| $500/月 | $25,784 累计投入: $18,000 | $41,910 累计投入: $30,000 | $136,864 累计投入: $60,000 |
| $1,000/月 | $51,567 累计投入: $36,000 | $83,821 累计投入: $60,000 | $273,729 累计投入: $120,000 |
| $2,500/月 | $128,918 累计投入: $90,000 | $209,551 累计投入: $150,000 | $684,322 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 Institutional Plus Shares
The premier institutional share class of the Vanguard Total Stock Market Index Fund, offering rock-bottom cost (0.02%) exposure to over 3,600 publicly traded US corporations across all market capitalizations.
投资策略与运作方式
Passive Indexing — VSMPX tracks the CRSP US Total Market Index, using full replication for large and mid caps and representative sampling for small and micro caps, weighted by market capitalization.
核心亮点与产品特征
- Tracks the CRSP US Total Market Index spanning 3,600+ companies
- Ultra-low expense ratio of 0.02% ($2/year per $10,000 invested)
- Low turnover rate of ~3%, maximizing portfolio tax efficiency
- Institutional Plus share class with a $100M investment threshold
历史年化收益表现 (CAGR)
近3年年化
22.33%
近5年年化
12.58%
近10年年化
14.71%
业绩基准
CRSP US Total Market Index
Historical annualized returns as of August 2026. Past performance does not guarantee future results. Share values fluctuate.
前五大核心持仓与行业分布
根据最新公开披露，Vanguard Total Stock Market Inst Plus 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. Class A & C (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
Standard deviation is ~15.2% over a 3-year rolling period. Captures the full beta (1.00) of the total US stock market.
Max drawdown of -34% in early 2020 and -24% in 2022, rebounding strongly during subsequent economic expansion.
交易规则与税费说明
Exceptional tax efficiency due to low turnover and Vanguard's patented multiclass share structure. Dividends are primarily qualified dividends.
哪些投资者不适合投资 Vanguard Total Stock Market Inst Plus？
Investors seeking capital preservation, short-term liquidity (<5 years), or actively managed alpha strategies.
基金经理简介
Managed by Vanguard's Equity Index Group: Walter Nejman (since 2016), Michelle Louie (since 2023), and Nick Birkett (since 2025).
适合哪些投资者？
Ideal for institutional retirement plans, 401(k) sponsors, endowments, and high-net-worth investors seeking comprehensive, low-cost total US market equity exposure.
同类别及相关推荐基金
同类别备选基金
- Vanguard Total Stock Market Index Fund Admiral Shares
- Vanguard 500 Index Fund Admiral Shares
- Fidelity 500 Index Fund
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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- 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 Stock Market Inst Plus
Vanguard Total Stock Market Inst Plus 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 Inst Plus 近3年年化回报率为 22.33%，近5年年化为 12.58%，近10年年化为 14.71%。 Historical annualized returns as of August 2026. Past performance does not guarantee future results. Share values fluctuate.
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 12.58% 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 $41,910，预期资产增值收益约为 $11,910。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 Inst Plus 的前几大重仓资产包含哪些？
Vanguard Total Stock Market Inst Plus 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 Inst Plus 的投资风险等级如何？
Standard deviation is ~15.2% over a 3-year rolling period. Captures the full beta (1.00) of the total US stock market. 本基金可能不适合 Investors seeking capital preservation, short-term liquidity (<5 years), or actively managed alpha strategies.
投资该基金有哪些税费或交易成本？
Exceptional tax efficiency due to low turnover and Vanguard's patented multiclass share structure. Dividends are primarily qualified dividends.
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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