寻求退休金投资分布的建议 7/28/2006 21:12
对经济和投资一窍不通。

开始在哈佛工作的时候,哈佛自动将每个人工资的5%放在养老金里,因为我没有做任何选择,default 到Federal Treasury Fund.

2004年才开始主动将一年的一部分收入存入养老金。但当时不懂,就按另一个朋友的比例和种类胡乱给了个数字。

网上的投资历史,是增是减从来不会看。寄来的材料从来没看。

以前借过一本书看了一下,有了一点概念,但没有付诸实践,过后就又忘了。

今晚发誓要稍微搞懂一点,就给vanguard打了一个电话,让人家给我讲解了一遍如何看懂我的account. 现在有了很大进步。

总结如下:放在Federal Treasurey Bond 里的钱应该重新投。回报率小的原因是因为放在bond里的钱在损失;目前我的投资里没有international, doesn't have mid-cap and small-cap; 有一个mutual fund 虽然performance还不错,但其中有30%是bond, 60% is stock and 10% money market.

根据我的基本情况征求长期投资建议。具体问题:
1。是不是一点bond都不要了?If yes, 是不是应该选只有stock的mutual fund? There should have, right?

2. 但是剩下的好象都是:large cap, mid and small cap, international stock. 这似乎有风险对吗?

3. 选择mid-, small-cap时,哪个holding高比较好(consumer dicrestionary, consumer staples, energy, financials, health care, industrials, IT, materials, telecommunication, utilities)? 能逐一讲解一下吗?比如说,there is a high proportion in "financials" - is it more risky? What are more stable among the list?

4. 为了保平安,还剩下money market, 但好像还不如银行利率高,有人往这儿搁钱吗?

5. Did I missing something important to know?

Thank you. smile
好像vanguard有专门的retirement plan的亚,我选的是2035退休的计划,这些退休计划的fund肯定是vanguard根据时间的长短帮你做了balanced。

[quote="wildcrane"]对经济和投资一窍不通。

开始在哈佛工作的时候,哈佛自动将每个人工资的5%放在养老金里,因为我没有做任何选择,default 到Federal Treasury Fund.

2004年才开始主动将一年的一部分收入存入养老金。但当时不懂,就按另一个朋友的比例和种类胡乱给了个数字。

网上的投资历史,是增是减从来不会看。寄来的材料从来没看。

以前借过一本书看了一下,有了一点概念,但没有付诸实践,过后就又忘了。

今晚发誓要稍微搞懂一点,就给vanguard大了一个电话,让人家给我讲解了一遍如何看懂我的account. 现在有了很大进步。

总结如下:放在Federal Treasurey Bond 里的钱应该重新投。回报率小的原因是因为放在bond里的钱在损失;目前我的投资里没有international, doesn't have mid-cap and small-cap; 有一个mutual fund 虽然performance还不错,但其中有30%是bond, 60% is stock and 10% money market.

根据我的基本情况征求长期投资建议。具体问题:
1。是不是一点bond都不要了?If yes, 是不是应该选只有stock的mutual fund? There should have, right?

2. 但是剩下的好象都是:large cap, mid and small cap, international stock. 这似乎有风险对吗?

3. 选择mid-, small-cap时,哪个holding高比较好(consumer dicrestionary, consumer staples, energy, financials, health care, industrials, IT, materials, telecommunication, utilities)? 能逐一讲解一下吗?比如说,there is a high proportion in "financials" - is it more risky? What are more stable among the list?

4. 为了保平安,还剩下money market, 但好像还不如银行利率高,有人往这儿搁钱吗?

5. Did I missing something important to know?

Thank you.
bagofbones at 7/28/2006 21:24 快速引用
我刚打电话,她没跟我提过还有这么回事儿呀?讲解完让我自己做一下研究在给他们打电话。我这就边自己研究边寻求外援了。 oops

bagofbones :
好像vanguard有专门的retirement plan的亚,我选的是2035退休的计划,这些退休计划的fund肯定是vanguard根据时间的长短帮你做了balanced。

wildcrane at 7/28/2006 21:27 快速引用
继续帮助的是问题3,否则选不出来。 confused
wildcrane at 7/28/2006 21:30 快速引用
wildcrane :
我刚打电话,她没跟我提过还有这么回事儿呀?讲解完让我自己做一下研究在给他们打电话。我这就边自己研究边寻求外援了。 oops

bagofbones :
好像vanguard有专门的retirement plan的亚,我选的是2035退休的计划,这些退休计划的fund肯定是vanguard根据时间的长短帮你做了balanced。



我看见你的这个了。你打算2033-37年见就退休,太早了吧 wink
wildcrane at 7/28/2006 21:42 快速引用
我年纪其实也不小了 oops ,看着比较后生。
wildcrane :
wildcrane :
我刚打电话,她没跟我提过还有这么回事儿呀?讲解完让我自己做一下研究在给他们打电话。我这就边自己研究边寻求外援了。 oops

bagofbones :
好像vanguard有专门的retirement plan的亚,我选的是2035退休的计划,这些退休计划的fund肯定是vanguard根据时间的长短帮你做了balanced。



我看见你的这个了。你打算2033-37年见就退休,太早了吧 wink
bagofbones at 7/28/2006 21:45 快速引用
问题

6。有发现了special fund: such as health care fund, and energy fund. Both have very high long-term return. They seem to be good choices for me, am I right?

further look showed that a lot is invested in oil industry. so probably not good - in a long run we are talking always. any opinion?
wildcrane at 7/28/2006 22:06 快速引用
拟投资的目的是什么:长期为退休?短期为收入?
wildcrane :
问题

6。有发现了special fund: such as health care fund, and energy fund. Both have very high long-term return. They seem to be good choices for me, am I right?
bagofbones at 7/28/2006 22:10 快速引用
bagofbones :
拟投资的目的是什么:长期为退休?短期为收入?
wildcrane :
问题

6。有发现了special fund: such as health care fund, and energy fund. Both have very high long-term return. They seem to be good choices for me, am I right?


全部问题均为长期投资,tax-deferred money for retirement.
wildcrane at 7/28/2006 22:14 快速引用
那就买index fund好了,其实你就买个2045年的退休计划的了。
wildcrane :
bagofbones :
拟投资的目的是什么:长期为退休?短期为收入?
wildcrane :
问题

6。有发现了special fund: such as health care fund, and energy fund. Both have very high long-term return. They seem to be good choices for me, am I right?


全部问题均为长期投资,tax-deferred money for retirement.
bagofbones at 7/28/2006 22:32 快速引用
阿?90%在stock上,要到2043-47年间才能退休?我看你应该选这个,我应该选你那个2035。不过我参照了一下你的。hehehe


bagofbones :
那就买index fund好了,其实你就买个2045年的退休计划的了。
wildcrane :
bagofbones :
拟投资的目的是什么:长期为退休?短期为收入?
wildcrane :
问题

6。有发现了special fund: such as health care fund, and energy fund. Both have very high long-term return. They seem to be good choices for me, am I right?


全部问题均为长期投资,tax-deferred money for retirement.
wildcrane at 7/28/2006 22:46 快速引用
不急不急,这里有很多理财专家,你可以多参考一下。我是懒人,不太像花太多时间折腾。

wildcrane :
阿?90%在stock上,要到2043-47年间才能退休?我看你应该选这个,我应该选你那个2035。不过我参照了一下你的。hehehe


bagofbones :
那就买index fund好了,其实你就买个2045年的退休计划的了。
wildcrane :
bagofbones :
拟投资的目的是什么:长期为退休?短期为收入?
wildcrane :
问题

6。有发现了special fund: such as health care fund, and energy fund. Both have very high long-term return. They seem to be good choices for me, am I right?


全部问题均为长期投资,tax-deferred money for retirement.
bagofbones at 7/28/2006 22:50 快速引用
我大概已经定下来了:

500 index (large blend: stock): 40%

windsor fund (large value: stock): 10%

wellington (large value: mix of stock, bond and short reserve): 10%

mid-cap index fund: 15%
small-cap index, 15%


total international stock index (about 60% europe stock, 30% pacific, and 10% emerging): 10 or 15%

Health Care specialty fund 0 or 5%

What are your opinions about the red highlighted options?

woops, my god. I noticed that about 96% are on stocks?

who knows?

这次一定不能半途而废,周一一定要打电话过去改了。该错了也得改。否则50%在treasury, 20% is in bond.


Shall I put some in short-term reserve? What does it mean?

Ok, it's enough for me for today. good night.
wildcrane at 7/28/2006 23:08 快速引用
Usually, the thumb rule is to distribute money over 3-4 selected funds evenly.

Fund selection -- select the top performers over the last 10 years. In your 401k portofolio introduction, they always list the fund performances since inception. Simply look the performance numbers, select funds which perfomed best over the past 10 years. Make sure your fund selection is diversified -- large, mid, small, international, etc.

Allocate money even to the selected funds. If you are younger, i.e. 30 or more year to invest, pick those growth and value funds for long-term.

Good luck,
Camel at 7/28/2006 23:19 快速引用
According to what you said, you'd better put everying on the money market account for now, and probe other opportunities later when your immue system is setup againt all those bullsh**ts of mutual fund managers.

wildcrane :
对经济和投资一窍不通。

Johann at 7/28/2006 23:54 快速引用
建议你上401k.com先学习一下那些浅显易懂的tutorial,这样在学习投资的漫漫长路上不容易半途而废。特别可以做一下他们上面的对你的情况的测试分析,名字叫啥忘记了,如果你找不到我可以帮你找下。

关于投资的回报率数字,参见我签名档的第二行 wink

不过也有公认比较有用的rating,比如morningstar的,作选择的时候也可以参考了看看
Annie at 7/29/2006 00:25 快速引用
wildcrane :
bagofbones :
拟投资的目的是什么:长期为退休?短期为收入?
wildcrane :
问题

6。有发现了special fund: such as health care fund, and energy fund. Both have very high long-term return. They seem to be good choices for me, am I right?


全部问题均为长期投资,tax-deferred money for retirement.


野鹤,如果你的目的是为投资有回报,而且是考虑中长期的,我给你个建议:逐批买入人民币放着。不管是养老还是赚钱,只要能利用目前手上有限的钱来生钱就行,美国的养老计划我没有研究,但人民币看涨,适当买点也是一种投资,我觉得可以作为你考虑投资计划的一种补充。现在国内很多人都把外汇存款改成人民币存款了,从投资角度看是有道理的。祝你好运!
xkbjjm at 7/29/2006 09:10 快速引用
Annie :
建议你上401k.com先学习一下那些浅显易懂的tutorial,这样在学习投资的漫漫长路上不容易半途而废。特别可以做一下他们上面的对你的情况的测试分析,名字叫啥忘记了,如果你找不到我可以帮你找下。

关于投资的回报率数字,参见我签名档的第二行 wink

不过也有公认比较有用的rating,比如morningstar的,作选择的时候也可以参考了看看


看来这些话对俺也有用.俺也是一直迷惑不解. rose
breezy at 7/29/2006 10:09 快速引用
Don't put all your money in RMB. 25% in foreign investment is pretty common. Although all these people are tauting RMB now, I really have no faith in Chinese economy after my visit to China. I think for the short term, it's sure to go up, but over the longer term, like 10-20 years, I am quite worried.
puppeteer at 7/29/2006 17:59 快速引用
I searched the 5 funds you were interested. If I were you, I would put my money in:

50%-500 index fund(VFINX): low cost, hard to beat sp500 index fund;
50%-wellington fund (VWELX): flagship fund, great performance, long histry+stable return. In the past 76 years, 59 years up, 17 year down.

1. don't worry about wellington fund put a lot of money in finance, energy and material industry now. they often will adjust it according to the trend. they will disclose their top holdings every quarter.
2. I don't like to put retire money in too many funds. It's hard to follow up with each funds performance.
3. use the following link to check your return every weekday after 6pm, if you are calm enough to look at it.
http://finance.yahoo.com/q?s=VFINX,VWNDX,VMCIX,VSCIX,VWELX&d=s

老大, 把自己税后的钱放在RMB里面是个好主意!放在中国的房市里会不会更好? happy
样可以抵掉通货膨胀。你家附近有好的楼盘呀? wink
野鹤想放的是税前退休金,最大的好处是免了很高的收入税。所以只能放在单位限
制可选择的共同基金里。
ex1234 at 7/29/2006 23:21 快速引用
谢谢大家, 看来我还不能急于作出决定. 要先学习一下Anne给的网站.

Ex 我觉得你的分析有道理. 但Wellingtong里有30%在bond上. 不是说也要分布点在mid-, small-, or/and international?

谢谢教我怎么看.

rose rose rose
wildcrane at 7/30/2006 00:06 快速引用
参看WOJIAN从前发的投资贴,大家有讨论。

另外如果你不是收入特别高,税很重的话,考虑一下ROTH IRA
windysnow at 7/30/2006 01:26 快速引用
windysnow :
参看WOJIAN从前发的投资贴,大家有讨论。

另外如果你不是收入特别高,税很重的话,考虑一下ROTH IRA


why Roth IRA? What is it? I don't have IRA or Roth IRA.

好象是投完401还可以放4000在IRA or Roth IRA里?

是因为人们想多放(除了最大限度放401外), 还是因为他有其他优越之处?
wildcrane at 7/30/2006 11:50 快速引用
啊呀。又把这事儿给忘了 oops

为了不使上次学到的和大家的帮助付之东流,刚刚打了一个电话作了修改。反正应该比我以前的好。

总算办了件事儿,送了一口气。

不过还有fidelity还没研究。

歇一下再说。

谢谢。 rose
wildcrane at 8/17/2006 19:18 快速引用
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