抗通膨債卷 TIPS ( Treasury inflation-protected securities )

TIPS與一般債卷最大的不同的是它的本金會隨著消費者物價指數 ConsumerPrice Index (CPI)調整,當CPI顯示有通膨的現象時,TIPS持有人每半年收到的利息會升高(利率不變,但本金提高),是一個有抗通膨機制的債卷,所以它的殖利率不需要補償通膨,它的殖利率就是債卷持有人希望得到的真正收益

所以把T-bond和TIPS的殖利率的差值當作市場對通膨的預期,投資人若買了T-bond,未來通膨低於市場預期,T-bond的收益會高於TIPS,反之TIPS收益會高於T-bond

ETF投資組合

股市

美國股市:
Vanguard Total Stock Market ETF (VTI): 追蹤 CRSP US Total Market Index. (mega, large, small and micro capitalizations, representing nearly 100% of the U.S. investable equity market) , 簡單說就是投資全美股市,前十大持股佔資產比例 15.4%  ((TD commission free))

歐洲股市:

Vanguard FTSE Europe ETF (VGK):   追蹤FTSE Developed Europe All Cap Index, (Holds stocks of companies located in Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, Italy,  the Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, and the United Kingdom.), 投資歐洲主要國家各大市值的股票,最大持股是雀巢,前十大持股佔資產比例18.2%  ((TD commission free))

亞太已開發地區股市:

Vanguard FTSE Pacific ETF (VPL): 追蹤 FTSE Developed Asia Pacific All Cap Index,投資日本,澳洲,南韓,香港,新加坡等,太平洋已開發國家股票兩千多支,最大持股是Samsung,前十大持股佔資產比例14%

新興市場股市:

Van)guard FTSE Emerging Markets ETF (VWO): 追蹤FTSE Emerging Markets All Cap China A Transition Index (Invests in stocks of companies located in emerging markets around the world, such as China, Brazil, Taiwan, and South Africa,投資發展中國家各大市值的股票約4000支,坐大持股是台積電,前十大持股佔資產比例16.8%  

((TD commission free))

債卷

美國公債
 BLV  Vanguard Long-Term Bond ETF Long-Term Bond   (TD commission free)
 BND Vanguard Total Bond Market ETF Intermediate-Term Bond (TD commission free)
 BSV  Vanguard Short-Term Bond ETF (TD commission free)

美國以外公債

BNDX Vanguard Total International Bond ETF (BNDX)