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w***n
发帖数: 1519 | 2 The Bogleheads' Guide to Investing
Common Sense on Mutual Funds |
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r****m
发帖数: 1204 | 5 Yes, Robinhood is free, but it's barebone, also, don't fall into the trap
that because it's free so you would trade frequently. Finally, don't worry
about how they make money - all your money and stocks are there, they have
plenty of ways to monetize that.
Vanguard is perfect if you just start out, the bogleheads forum is a great
place to hang around if you want to learn. |
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m*********t
发帖数: 1250 | 7 Death of retail/malls to affect REITs?
https://www.bogleheads.org/forum/viewtopic.php?t=216087
Quote below: "
That's why vanguard' REIT fund (VNQ) is a good choice. Retail REITs only mak
e up 21.6% of the composition:
Diversified REITs - 7.80%
Health Care REITs - 12.30%
Hotel & Resort REITs - 6.10%
Industrial REITs - 6.10%
Office REITs - 13.90%
Residential REITs - 15.70%
Retail REITs - 21.60%
Specialized REITs - 16.50%
" |
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m*********t
发帖数: 1250 | 10 如果你有multiple accounts，比如401K, IRA，Taxable Accounts，可以考虑一下Tax
Efficiency~
https://www.bogleheads.org/wiki/Tax-efficient_fund_placement
直接选Target Date Fund也不是不行，就是如何balance所有account的stock/bond的al
location相对比较困难，而且Expens Ratio也相对会高一些~
所以，我个人建议是不要买Fund of Fund (e.g. Target Date or Life Strategy)，直
接买Index Fund，然后每半年或一年把各个account汇总balance一下就好了~ |
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w***n
发帖数: 1519 | 14 M* rating is no use. It's purely based on past performance.
After all, past performance is no use. SEC requires fund advertisements to
disclose that past performance does not guarantee future results.
https://www.bogleheads.org/wiki/Getting_started |
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w***n
发帖数: 1519 | 15 M* rating is no use. It's purely based on past performance.
After all, past performance is no use. SEC requires fund advertisements to
disclose that past performance does not guarantee future results.
https://www.bogleheads.org/wiki/Getting_started |
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s*********0
发帖数: 2045 | 19 第一步：找一家brokerage开个户。Vanguard和Fidelity都可以。
第二步：开Traditional IRA。每年可以存$5,000进去用来投资。这$5,000在你每年报
税的时候1040表上可以deduct，也就是说相当于税前，不收你收入税了。这么好的东东
，每年可惜就限制你只能存这么多。记住现在(4月15号之前）你还可以存去年（2011）
的$5,000。
*注意：这个有条件。工资太高不行，有其他的401k不行。详见：
http://taxes.about.com/od/deductionscredits/qt/traditional_ira.
第三步：看你收入符不符合Roth IRA，符合的话在上面的brokerage开一个Roth存$5,
000每年。这个用税后的钱，但是投资收益不收税（tax deferred）。
第四步：如果你收入太高了，上面两个都不行的话，还可以用Traditional IRA to
Roth IRA conversion每年存$5,000到Roth IRA里面。这个步骤自己google吧。
第五步：开始投资。Vanguard或者Fidel... 阅读全帖 |
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E*******o
发帖数: 2337 | 21 The bogleheads' guide to investing |
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o*****h
发帖数: 293 | 24 复利的威力是挺大的，尤其是到了后期；不过那都需要时间和耐心
bogleheads的人确实不象楼主这样喜欢用惊人的标题，哈哈 |
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m*********t
发帖数: 1250 | 25 我倒是建议lz直接上Bogleheads Forum上发帖分享或回答别人的问题，没有必要一定要
搞个专门针对海外华人的中文理财论坛。 |
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C*****d
发帖数: 2253 | 26 又看了下，其实还有个pitfall:
如果之前有pre-tax IRA，就比较糟。
http://www.bogleheads.org/wiki/Backdoor_Roth_IRA
Variables:
C = Amount to Convert to Roth
B = Balances of all pre-tax IRAs
TF = The percentage of the amount you're computing this would be tax-free
TF = 100 * [ C / (C + B)]
Using the numbers from the case study above results in:
100 * [ 5,000 / (5,000 + 15,000) ]
which is 25%.
If the $15,000 traditional IRA could be transferred into a 401(k), then the
formula becomes:
100 * [ 5,000 / (5,000 + 0) ]
which i... 阅读全帖 |
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o*******r
发帖数: 750 | 28 用完了来贴几个分享呗
[在 boglehead (fast is slow) 的大作中提到：]
：
：【 在 alonerocky (百夫长) 的大作中提到: 】
：........... |
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J****h
发帖数: 623 | 32 It's easy. In Vanguard, open a position with $3000 min. Then chose automatic
invest with any amount you like. This way, you could ignore any market
noise. I would suggest three fund approach (boglehead approach). Total US
market, Total market excluse US, and Total bond. Depend on your age and risk
tolerance. Let's say 50/30/20. Any let it go automatically and rebalance
every year. |
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q****x
发帖数: 7404 | 34 【 以下文字转载自 Investment 讨论区 】
发信人: quantx (X矿工), 信区: Investment
标 题: 怎么backdoor Roth会影响报税？
发信站: BBS 未名空间站 (Mon Mar 25 02:52:33 2013, 美东)
有人用TurboTax吗？按TurboTax的指令，backdoor Roth会影响报税，怎么回事？详情
如下：
TurboTax -> Federal Taxes -> Deductions & Credits -> Explore All
选Retirement and Investments，再Visit All。
这时会问有没有contribute traditional IRA和Roth IRA。backdoor Roth到底算
contribute traditional，还是Roth，还是都算？
试着只选了traditional，问是不是repayment of distribution，选否。问数目，填5
千。
这时会问How much you transferred to Roth，TurboTax是这... 阅读全帖 |
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b*t
发帖数: 489 | 35 1年前有个qualify的时候开了Traditional IRA和Roth IRA。各自放了5500进去。
现在不qualify了，打算做backdoor roth。
1. 现在重新开一个IRA，然后放5500进去，直接convert to roth，是不是不能忽略以
前开的那个traditional ira？我之前以为可以忽略不用管，不过看了这篇文章有点糊
涂了。http://www.bogleheads.org/wiki/Backdoor_Roth_IRA
如果是按照文中这样的话，我要按照比例交税。
2. convert to Roth的时候，是不是直接转到以前开的那个roth就可以了？还是需要再
开一个roth？ |
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C*********r
发帖数: 50 | 36 不会投资的话先把房贷付清。顺便去Boglehead和morningstar把投资101学了。
★ 发自iPhone App: ChineseWeb 7.8 |
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Y******u
发帖数: 1912 | 38 if u haven't hit income limit, max roth ira first. even if u hit, u can also
do the trick (put money in normal ira and transfer to roth)
for old 401k money, don't transfer to roth immediately because of income tax
. if you foreseen in the future u may have less income (go to school again
or take a long vacation etc), transfer to roth at that time.
if u don't know how to invest, read some online articles about personal
portfolio allocation first and choose the style u want. u can get a lot of
inf... 阅读全帖 |
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z*****7
发帖数: 888 | 45 看bogleheads上的老美，大部分都是1-2M的样子（正常年纪退，提前退的要更多）。个
人看法1-2M 衣食无忧温饱退，3-5M小富既安舒爽退，6-10M大手大脚潇洒退，多少管够
完全取决于个人的开销，没什么奢侈消费习惯的话一年60-80k足够的过得舒舒服服再养
个小爱好的。 |
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f****n
发帖数: 3036 | 46 再多说几句，index P/E虽高但是也不是类似泡沫的高。最近十几二十年，随着GAAP对
expense的定义不同，其实PE被人为的拉高了。而且现在index的组成成分以tech比重变
大，这些high growth 的sector其实是比以前的manufacture更deserve high PE的。S&
P很有可能长期稳定在20-25足有的shiller PE而不是 以前的14-18左右。
至于比特币，在一个新科技在被mass adopt以前是很难定价的。当然很有可能是一个比
郁金香更大的泡沫。任何一个投资者都不应该输不起的钱投到这个轮盘赌里面。
Scott Burns不错，不过建议可以看看Bogleheads，退休前用firecalc, i-orp.com模拟
一下成功率以及taxable/non-taxable的分配。尤其后者对提前退休者的 Roth
conversion有很好的指导。 |
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z********e
发帖数: 8818 | 47 偶正在试验boglehead，企图买了之后N年不动，不花时间不费精力，看看到底会咋样。
嗯，是买中国的ETF，剧贵的买入费，肉疼。。 |
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m*********k
发帖数: 10521 | 48 [Stock] luowei Mar 2 ● 发祥和包？
成功奖励 10 伪币的用户: boglehead, liucarl, xiaoqingwa, ISABELLE,
StephenKing, sponge, bloodlord, jerry7991, grantlic, deer2005, BullshiSolar,
lapretty, tomaustin, Yixter, linuxbird, TreeTemp, yffyaa, Lexian, flyingdan
, Fee2013, yzang6, hotna, mnca, checkid, iln, toughgrass, releeze, vn,
milkye, wav, bid, LVS, yashang, okIce, bluecollar, upendown, cxw360,
veggibird, egozoro, Mulanhuakai, baobaopo, Cainel, mmchuchu, astonpanda,
happy03, spsa, genetics2012, codyco... 阅读全帖 |
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