{"id":87063,"date":"2026-07-08T13:54:47","date_gmt":"2026-07-08T11:54:47","guid":{"rendered":"https:\/\/trader-magazine.com\/?p=87063"},"modified":"2026-07-08T13:54:48","modified_gmt":"2026-07-08T11:54:48","slug":"indexalapok-csataja-fidelity-500-index-fund-kontra-vanguard-es-state-street","status":"publish","type":"post","link":"https:\/\/trader-magazine.com\/hu\/tozsde\/indexalapok-csataja-fidelity-500-index-fund-kontra-vanguard-es-state-street\/","title":{"rendered":"Indexalapok csat\u00e1ja: Fidelity 500 Index Fund kontra Vanguard \u00e9s State Street"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Sok hossz\u00fa t\u00e1v\u00fa befektet\u0151 sz\u00e1m\u00e1ra az S&amp;P 500 index tov\u00e1bbra is az egyik legegyszer\u0171bb m\u00f3dja annak, hogy kitetts\u00e9get szerezzen az Egyes\u00fclt \u00c1llamok legnagyobb t\u0151zsd\u00e9n jegyzett v\u00e1llalataival szemben. Egy S&amp;P 500-at k\u00f6vet\u0151 alap kiv\u00e1laszt\u00e1sa azonban ma m\u00e1r r\u00e9gen nem csup\u00e1n arr\u00f3l sz\u00f3l, hogy a befektet\u0151 \u201emegveszi a piacot\u201d. A v\u00e1laszt\u00e9kban ott vannak a befektet\u00e9si alapok \u00e9s az ETF-ek, a rendk\u00edv\u00fcl alacsony d\u00edjak \u00e9s a m\u00e9ly keresked\u00e9si likvidit\u00e1s, valamint az alapkezel\u00e9si ipar\u00e1g h\u00e1rom meghat\u00e1roz\u00f3 neve: a Fidelity, a Vanguard \u00e9s a State Street.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az \u00f6sszehasonl\u00edt\u00e1s k\u00f6z\u00e9ppontj\u00e1ban a Fidelity 500 Index Fund \u00e1ll, amelyet FXAIX ticker alatt ismernek. K\u00f6zvetlen versenyt\u00e1rsai a Vanguard 500 Index Fund Admiral Shares, a Vanguard S&amp;P 500 ETF, az SPDR S&amp;P 500 ETF Trust \u00e9s az olcs\u00f3bb SPDR Portfolio S&amp;P 500 ETF.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az alapgondolat mindegyik term\u00e9kn\u00e9l hasonl\u00f3: az S&amp;P 500 index teljes\u00edtm\u00e9ny\u00e9nek k\u00f6vet\u00e9se. A k\u00fcl\u00f6nbs\u00e9gek a k\u00f6lts\u00e9gekben, a strukt\u00far\u00e1ban, az el\u00e9rhet\u0151s\u00e9gben \u00e9s abban mutatkoznak meg, hogy melyik alap milyen t\u00edpus\u00fa befektet\u0151nek felel meg legink\u00e1bb.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mit k\u00f6vetnek val\u00f3j\u00e1ban ezek az alapok?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Az S&amp;P 500 indexet \u00fagy alak\u00edtott\u00e1k ki, hogy az amerikai nagyv\u00e1llalati r\u00e9szv\u00e9nypiac teljes\u00edtm\u00e9ny\u00e9t m\u00e9rje. Az S&amp;P Dow Jones Indices m\u00f3dszertana szerint az S&amp;P amerikai indexcsal\u00e1dja a szabadon k\u00f6zk\u00e9zh\u00e1nyad alapj\u00e1n korrig\u00e1lt piaci kapitaliz\u00e1ci\u00f3 szerint s\u00falyozott. Ez azt jelenti, hogy a nagyobb v\u00e1llalatok er\u0151sebben befoly\u00e1solj\u00e1k az index mozg\u00e1s\u00e1t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ez a befektet\u0151k sz\u00e1m\u00e1ra kulcsfontoss\u00e1g\u00fa inform\u00e1ci\u00f3. Egy S&amp;P 500-hoz k\u00f6t\u00f6tt alap nem egyenl\u0151 s\u00faly\u00fa fogad\u00e1s nagyj\u00e1b\u00f3l 500 v\u00e1llalatra. Val\u00f3j\u00e1ban amerikai nagy kapitaliz\u00e1ci\u00f3j\u00fa r\u00e9szv\u00e9nyekkel szembeni kitetts\u00e9gr\u0151l van sz\u00f3, ahol a legnagyobb c\u00e9gek logikusan a legnagyobb s\u00falyt kapj\u00e1k. Amikor a piacot a technol\u00f3giai \u00f3ri\u00e1sok vezetik, ezek az alapok er\u0151sen profit\u00e1lhatnak a n\u00f6veked\u00e9s\u00fckb\u0151l. Ha viszont a legnagyobb r\u00e9szv\u00e9nyek gyeng\u00e9lkednek, ugyanez a koncentr\u00e1ci\u00f3 az ellenkez\u0151 ir\u00e1nyba is hathat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00e1s sz\u00f3val a Fidelity, a Vanguard \u00e9s a State Street nem annyira mag\u00e1ban a piaci kitetts\u00e9gben versenyez egym\u00e1ssal. Az ugyanis nagyon hasonl\u00f3. A k\u00fcl\u00f6nbs\u00e9g ink\u00e1bb a term\u00e9k csomagol\u00e1s\u00e1ban, \u00e1r\u00e1ban \u00e9s a befektet\u0151i \u00e9lm\u00e9nyben van.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Fidelity 500 Index Fund: alacsony k\u00f6lts\u00e9g\u0171 kih\u00edv\u00f3 a befektet\u00e9si alapok k\u00f6z\u00f6tt<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A Fidelity 500 Index Fund az egyik leger\u0151sebb lehet\u0151s\u00e9g azoknak a befektet\u0151knek, akik egyszer\u0171 S&amp;P 500-kitetts\u00e9get szeretn\u00e9nek befektet\u00e9si alap form\u00e1j\u00e1ban. Legnagyobb el\u0151nye a k\u00f6lts\u00e9g. A Fidelity az FXAIX eset\u00e9ben 0,015%-os k\u00f6lts\u00e9gh\u00e1nyadot t\u00fcntet fel, ami az amerikai befektet\u0151k sz\u00e1m\u00e1ra el\u00e9rhet\u0151 nagy S&amp;P 500 indexalapok egyik legolcs\u00f3bbj\u00e1v\u00e1 teszi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ez a d\u00edj rendk\u00edv\u00fcl alacsony. Egy 10 000 doll\u00e1ros befektet\u00e9sn\u00e9l a 0,015%-os \u00e9ves k\u00f6lts\u00e9gh\u00e1nyad k\u00f6r\u00fclbel\u00fcl \u00e9vi 1,50 doll\u00e1rt jelent, minden egy\u00e9b k\u00f6lts\u00e9g vagy ad\u00f3hat\u00e1s figyelembev\u00e9tele el\u0151tt. Egy hossz\u00fa t\u00e1v\u00fa buy-and-hold befektet\u0151 sz\u00e1m\u00e1ra ez fontos, mert a d\u00edjak a hozamokkal ellent\u00e9tes ir\u00e1nyban kamatoznak. Minden b\u00e1zispont, amelyet az alapkezel\u0151 kap, olyan b\u00e1zispont, amely nem marad a befektet\u0151 sz\u00e1ml\u00e1j\u00e1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A Fidelity 500 Index Fund k\u00fcl\u00f6n\u00f6sen vonz\u00f3 azoknak a befektet\u0151knek, akik m\u00e1r haszn\u00e1lj\u00e1k a Fidelity br\u00f3keri vagy nyugd\u00edj-megtakar\u00edt\u00e1si platformj\u00e1t. Egyszer\u0171, olcs\u00f3, \u00e9s ink\u00e1bb hossz\u00fa t\u00e1v\u00fa rendszeres befektet\u00e9sre \u00e9p\u00fcl, nem napon bel\u00fcli keresked\u00e9sre. H\u00e1tr\u00e1nya, hogy befektet\u00e9si alapk\u00e9nt nem kereskedik napk\u00f6zben \u00fagy, mint egy ETF. A megb\u00edz\u00e1sokat jellemz\u0151en a keresked\u00e9si nap v\u00e9g\u00e9n \u00e9rv\u00e9nyes nett\u00f3 eszk\u00f6z\u00e9rt\u00e9ken teljes\u00edtik, ami sok nyugd\u00edjc\u00e9l\u00fa befektet\u0151nek teljesen megfelel\u0151, de az akt\u00edv keresked\u0151k sz\u00e1m\u00e1ra kev\u00e9sb\u00e9 rugalmas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Egyes olvas\u00f3k elg\u00e9pel\u00e9s miatt az \u201eidelity 500 index fund\u201d kifejez\u00e9sre kereshetnek r\u00e1, de az alap helyes neve Fidelity 500 Index Fund, FXAIX tickerrel.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Vanguard: m\u00e9ret, bizalom \u00e9s ETF-dominancia<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A Vanguard tov\u00e1bbra is az indexalap\u00fa befektet\u00e9s egyik legfontosabb neve. A Vanguard 500 Index Fund Admiral Shares k\u00f6lts\u00e9gh\u00e1nyada 0,04%, m\u00edg a Vanguard S&amp;P 500 ETF 0,03%-ot sz\u00e1m\u00edt fel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A 0,015% \u00e9s a 0,03% k\u00f6z\u00f6tti k\u00fcl\u00f6nbs\u00e9g elhanyagolhat\u00f3nak t\u0171nhet, \u00e9s kisebb portf\u00f3li\u00f3kn\u00e1l gyakran val\u00f3ban az is. Nagyobb \u00f6sszegekn\u00e9l \u00e9s hossz\u00fa befektet\u00e9si horizonton azonban a k\u00f6lts\u00e9gk\u00fcl\u00f6nbs\u00e9gek egyre l\u00e1tv\u00e1nyosabb\u00e1 v\u00e1lnak. A Vanguard el\u0151nye ugyanakkor nem csup\u00e1n az \u00e1rban rejlik. A m\u00e1rka er\u0151s befektet\u0151i bizalommal, hatalmas m\u00e9rettel \u00e9s a vil\u00e1g egyik leger\u0151sebb ETF-platformj\u00e1val rendelkezik.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ez a m\u00e9ret egyre l\u00e1tv\u00e1nyosabb\u00e1 v\u00e1lik. 2026 j\u00fanius\u00e1ban a Reuters arr\u00f3l sz\u00e1molt be, hogy a Vanguard VOO lett a t\u00f6rt\u00e9nelem els\u0151 olyan ETF-je, amelynek eszk\u00f6z\u00e1llom\u00e1nya meghaladta az egybilli\u00f3 doll\u00e1rt. Ez kevesebb mint 18 h\u00f3nappal azut\u00e1n t\u00f6rt\u00e9nt, hogy a VOO eszk\u00f6zm\u00e9retben megel\u0151zte a State Street SPY-t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az ETF-eket el\u0151nyben r\u00e9szes\u00edt\u0151 befektet\u0151k sz\u00e1m\u00e1ra a VOO val\u00f3sz\u00edn\u0171leg a Vanguard legtiszt\u00e1bb S&amp;P 500-kitetts\u00e9get ad\u00f3 term\u00e9ke. Nagyon alacsony k\u00f6lts\u00e9gh\u00e1nyadot, napi kereskedhet\u0151s\u00e9get \u00e9s \u00f3ri\u00e1si m\u00e9retet kombin\u00e1l. A VFIAX ezzel szemben ink\u00e1bb azoknak felel meg, akik a befektet\u00e9si alapokat, az automatikus befektet\u00e9seket \u00e9s a hossz\u00fa t\u00e1v\u00fa portf\u00f3li\u00f3\u00e9p\u00edt\u00e9st r\u00e9szes\u00edtik el\u0151nyben.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">State Street: SPY a likvidit\u00e1s\u00e9rt, SPYM az alacsony k\u00f6lts\u00e9g\u00e9rt<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A State Street t\u00f6rt\u00e9nelmi neh\u00e9zs\u00faly\u00fa szerepl\u0151 az S&amp;P 500 ETF-ek k\u00f6z\u00f6tt az SPDR S&amp;P 500 ETF Trustnak, vagyis az SPY-nak k\u00f6sz\u00f6nhet\u0151en. Az alap 1993 janu\u00e1rj\u00e1ban indult, \u00e9s az els\u0151 amerikai t\u0151zsd\u00e9n jegyzett ETF lett. A State Street az SPY eset\u00e9ben 0,0945%-os brutt\u00f3 k\u00f6lts\u00e9gh\u00e1nyadot t\u00fcntet fel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A Fidelity FXAIX-hez, a Vanguard VOO-hoz vagy a State Street SPYM-hez k\u00e9pest az SPY tart\u00e1sa dr\u00e1g\u00e1bb. F\u0151 vonzereje azonban nem a d\u00edjban rejlik, hanem a likvidit\u00e1sban. A State Street az SPY-t rendk\u00edv\u00fcl likvid S&amp;P 500-kitetts\u00e9gi eszk\u00f6zk\u00e9nt \u00edrja le, m\u00edg az SPYM-et olcs\u00f3bb v\u00e1laszt\u00e1sk\u00e9nt pozicion\u00e1lja a hossz\u00fa t\u00e1v\u00fa befektet\u0151k sz\u00e1m\u00e1ra.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ez a k\u00fcl\u00f6nbs\u00e9g kulcsfontoss\u00e1g\u00fa. Az SPY nagyobb \u00e9rtelmet adhat int\u00e9zm\u00e9nyeknek, keresked\u0151knek \u00e9s olyan befektet\u0151knek, akik nagyon sz\u0171k spredekre, m\u00e9ly opci\u00f3s piacra \u00e9s taktikai rugalmass\u00e1gra v\u00e1gynak. Az SPYM ezzel szemben a State Street er\u0151sebb v\u00e1lasza a buy-and-hold befektet\u0151knek. Az S&amp;P 500-at k\u00f6veti, brutt\u00f3 k\u00f6lts\u00e9gh\u00e1nyada pedig 0,02%, \u00edgy olcs\u00f3bb, mint a Vanguard VOO \u00e9s a VFIAX, b\u00e1r m\u00e9g mindig valamivel dr\u00e1g\u00e1bb, mint a Fidelity FXAIX.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">D\u00edj\u00f6sszehasonl\u00edt\u00e1s: ki nyer?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ha kiz\u00e1r\u00f3lag a k\u00f6lts\u00e9gh\u00e1nyadot n\u00e9zz\u00fck, az \u00f6sszehasonl\u00edt\u00e1s f\u0151 term\u00e9kei k\u00f6z\u00f6tt a Fidelity gy\u0151z.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A Fidelity 500 Index Fund 0,015%-ot sz\u00e1m\u00edt fel. A State Street SPYM k\u00f6lts\u00e9gh\u00e1nyada 0,02%. A Vanguard VOO 0,03%-ot, a Vanguard VFIAX 0,04%-ot, a State Street SPY pedig 0,0945%-ot k\u00e9r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Egy hossz\u00fa t\u00e1v\u00fa befektet\u0151 sz\u00e1m\u00e1ra ebb\u0151l viszonylag egy\u00e9rtelm\u0171 sorrend rajzol\u00f3dik ki. Az FXAIX a legolcs\u00f3bb befektet\u00e9si alap ebben a csoportban. Az SPYM a legolcs\u00f3bb ETF ebben az \u00f6sszevet\u00e9sben. A Vanguard VOO valamivel dr\u00e1g\u00e1bb, mint az SPYM, de hatalmas m\u00e9ret\u00e9b\u0151l profit\u00e1l. Az SPY a legdr\u00e1g\u00e1bb, ezt azonban rendk\u00edv\u00fcli likvidit\u00e1ssal \u00e9s er\u0151s keresked\u00e9si infrastrukt\u00far\u00e1val ellens\u00falyozza.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A f\u0151 tanuls\u00e1g egyszer\u0171: a \u201elegjobb\u201d alap a felhaszn\u00e1l\u00e1s m\u00f3dj\u00e1t\u00f3l f\u00fcgg. A legolcs\u00f3bb term\u00e9k nem mindig a legjobb keresked\u00e9si eszk\u00f6z, \u00e9s a leglikvidebb term\u00e9k nem mindig a legjobb hossz\u00fa t\u00e1v\u00fa poz\u00edci\u00f3.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Befektet\u00e9si alap vagy ETF: ez az igazi d\u00f6nt\u00e9s<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A Fidelity 500 Index Fund \u00e9s a Vanguard VFIAX befektet\u00e9si alapok. A Vanguard VOO, a State Street SPY \u00e9s a State Street SPYM ETF-ek. Sok befektet\u0151 sz\u00e1m\u00e1ra ez a k\u00fcl\u00f6nbs\u00e9g fontosabb, mint a d\u00edjak k\u00f6z\u00f6tti apr\u00f3 elt\u00e9r\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A befektet\u00e9si alapok k\u00e9nyelmesek lehetnek automatikus befektet\u00e9sekhez, nyugd\u00edjsz\u00e1ml\u00e1khoz \u00e9s olyan befektet\u0151knek, akik nem foglalkoznak a napon bel\u00fcli \u00e1rfolyammal. Az ETF-ek rugalmasabbak, mert napk\u00f6zben a r\u00e9szv\u00e9nyekhez hasonl\u00f3an kereskedhet\u0151k. K\u00f6nnyebben \u00e1tvihet\u0151k lehetnek br\u00f3kerplatformok k\u00f6z\u00f6tt, \u00e9s bizonyos esetekben ad\u00f3z\u00e1si szempontb\u00f3l is hat\u00e9konyabbak lehetnek ad\u00f3k\u00f6teles sz\u00e1ml\u00e1kon, b\u00e1r ez mindig az adott joghat\u00f3s\u00e1gt\u00f3l \u00e9s a befektet\u0151 konkr\u00e9t helyzet\u00e9t\u0151l f\u00fcgg.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Annak, aki havonta fektet be egy nyugd\u00edjsz\u00e1ml\u00e1n, az FXAIX kiv\u00e1l\u00f3 alacsony k\u00f6lts\u00e9g\u0171 magpoz\u00edci\u00f3 lehet. Annak a befektet\u0151nek, aki ad\u00f3k\u00f6teles br\u00f3kersz\u00e1ml\u00e1n \u00e9p\u00edt portf\u00f3li\u00f3t, \u00e9s ETF-rugalmass\u00e1got szeretne, a VOO vagy az SPYM lehet praktikusabb. Egy keresked\u0151 vagy int\u00e9zm\u00e9ny sz\u00e1m\u00e1ra, amely nagy t\u0151ke\u00f6sszegeket mozgat be \u00e9s ki az S&amp;P 500-kitetts\u00e9gb\u0151l, az SPY magasabb d\u00edja a likvidit\u00e1sa miatt indokolt lehet.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A rejtett kock\u00e1zat: az S&amp;P 500 koncentr\u00e1ci\u00f3ja<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ezek az alapok mind ugyanazt a t\u00e1gabb kock\u00e1zatot hordozz\u00e1k: jelent\u0151s kitetts\u00e9g\u00fck van a legnagyobb amerikai v\u00e1llalatok fel\u00e9. Mivel az S&amp;P 500 piaci kapitaliz\u00e1ci\u00f3 szerint s\u00falyozott, teljes\u00edtm\u00e9ny\u00e9t er\u0151sen befoly\u00e1solhatja a legnagyobb c\u00e9gek viszonylag sz\u0171k csoportja.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Azokban az id\u0151szakokban, amikor az amerikai technol\u00f3giai \u00e9s n\u00f6veked\u00e9si r\u00e9szv\u00e9nyek vezetik a piacot, ez nagyon j\u00f3l m\u0171k\u00f6dik. Ugyanakkor azt is jelenti, hogy a befektet\u0151k nem annyira diverzifik\u00e1ltak, mint ahogy azt az \u201e500 v\u00e1llalat\u201d kifejez\u00e9s sugallhatn\u00e1. Ha a legnagyobb r\u00e9szv\u00e9nyek meredeken esnek, egy S&amp;P 500 indexalap ezt er\u0151sen meg fogja \u00e9rezni.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ez nem jelenti azt, hogy a Fidelity 500 Index Fund, a Vanguard VOO vagy a State Street SPYM rossz term\u00e9kek lenn\u00e9nek. Csup\u00e1n azt jelenti, hogy a befektet\u0151knek pontosan tudniuk kell, mit vesznek: amerikai nagy kapitaliz\u00e1ci\u00f3j\u00fa r\u00e9szv\u00e9nyalapokat, nem pedig teljes glob\u00e1lis portf\u00f3li\u00f3t.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Melyik S&amp;P 500 alap a legjobb?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A legolcs\u00f3bb befektet\u00e9si alapos kitetts\u00e9ghez a Fidelity 500 Index Fund a leger\u0151sebb jel\u00f6lt. Az FXAIX egyszer\u0171, rendk\u00edv\u00fcl olcs\u00f3, \u00e9s j\u00f3l illik azokhoz a hossz\u00fa t\u00e1v\u00fa befektet\u0151kh\u00f6z, akik m\u00e1r haszn\u00e1lj\u00e1k a Fidelity platformj\u00e1t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Azoknak az ETF-befektet\u0151knek, akik \u00e9rt\u00e9kelik a m\u00e9retet \u00e9s a m\u00e1rka reput\u00e1ci\u00f3j\u00e1t, neh\u00e9z figyelmen k\u00edv\u00fcl hagyni a Vanguard VOO-t. Alacsony k\u00f6lts\u00e9gh\u00e1nyaddal, hatalmas m\u00e9rettel \u00e9s az ETF-piacon az elm\u00falt \u00e9vekben jelent\u0151sen meger\u0151s\u00f6d\u00f6tt poz\u00edci\u00f3val rendelkezik.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A State Street eset\u00e9ben a v\u00e1lasz a befektet\u0151 t\u00edpus\u00e1t\u00f3l f\u00fcgg. Az SPY tov\u00e1bbra is klasszikus keresked\u00e9si eszk\u00f6z, k\u00fcl\u00f6n\u00f6sen azoknak, akik \u00e9rt\u00e9kelik a likvidit\u00e1st \u00e9s az opci\u00f3s piac m\u00e9lys\u00e9g\u00e9t. Az SPYM logikusabb State Street-v\u00e1laszt\u00e1s azoknak a hossz\u00fa t\u00e1v\u00fa befektet\u0151knek, akik az alacsony \u00e9ves k\u00f6lts\u00e9gekre koncentr\u00e1lnak.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A v\u00e9gs\u0151 verdikt teh\u00e1t nem egyetlen gy\u0151ztest jel\u00f6l ki, hanem h\u00e1rom k\u00fcl\u00f6nb\u00f6z\u0151 forgat\u00f3k\u00f6nyvet. A Fidelity FXAIX a befektet\u00e9si alapok k\u00f6lts\u00e9gverseny\u00e9ben nyer. A Vanguard VOO az ETF-ek k\u00f6z\u00f6tt m\u00e9ret\u00e9vel, reput\u00e1ci\u00f3j\u00e1val \u00e9s hossz\u00fa t\u00e1v\u00fa vonzerej\u00e9vel emelkedik ki. A State Street SPY likvidit\u00e1sban gy\u0151z, m\u00edg az SPYM a State Street sz\u00e1m\u00e1ra j\u00f3val versenyk\u00e9pesebb, alacsony k\u00f6lts\u00e9g\u0171 term\u00e9ket k\u00edn\u00e1l a buy-and-hold befektet\u0151knek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A legt\u00f6bb \u00e1tlagos befektet\u0151 sz\u00e1m\u00e1ra az indexalapok csat\u00e1ja egy egyszer\u0171 k\u00e9rd\u00e9sre sz\u0171k\u00fcl: a legolcs\u00f3bb befektet\u00e9si alapot, a legnagyobb alacsony k\u00f6lts\u00e9g\u0171 ETF-et vagy a leglikvidebb keresked\u00e9si eszk\u00f6zt szeretn\u00e9k? Ha erre megvan a v\u00e1lasz, a Fidelity, a Vanguard \u00e9s a State Street k\u00f6z\u00f6tti v\u00e1laszt\u00e1s sokkal egyszer\u0171bb\u00e9 v\u00e1lik.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sok hossz\u00fa t\u00e1v\u00fa befektet\u0151 sz\u00e1m\u00e1ra az S&amp;P 500 index tov\u00e1bbra is az egyik legegyszer\u0171bb m\u00f3dja annak, hogy kitetts\u00e9get szerezzen az Egyes\u00fclt \u00c1llamok legnagyobb t\u0151zsd\u00e9n jegyzett v\u00e1llalataival szemben. Egy S&amp;P 500-at k\u00f6vet\u0151 alap kiv\u00e1laszt\u00e1sa azonban ma m\u00e1r r\u00e9gen nem csup\u00e1n arr\u00f3l sz\u00f3l, hogy a befektet\u0151 \u201emegveszi a piacot\u201d. A v\u00e1laszt\u00e9kban ott vannak a befektet\u00e9si alapok \u00e9s [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":87051,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[4888],"tags":[4891],"class_list":["post-87063","post","type-post","status-publish","format-standard","has-post-thumbnail","category-tozsde","tag-gazdasag"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.9 - aioseo.com -->\n\t<meta name=\"description\" content=\"A Fidelity 500 Index Fund, a Vanguard \u00e9s a State Street \u00f6sszevet\u00e9se: d\u00edjak, likvidit\u00e1s \u00e9s befektet\u0151i felhaszn\u00e1l\u00e1s.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"\u0160imon Hauser\"\/>\n\t<link rel=\"canonical\" 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