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t***s
发帖数: 163 | 2 Taxable:
Money-Market Fund
Total Stock Market Fund
Total Intl (or Tax Mgd) International Fund
IRA:
Total Bond Market Fund
THE ADVANTAGES:
Maximum Diversification (low risk)
Zero Overlap
No Manager Changes
No Style Drift (from benchmark index)
Desired Stock/Bond/Cash Allocation is Easy.
Never a Need to Rebalance Within Asset Classes
High Probablity of Beating Most Funds
Never Below Index Performance
Minimum Maintenance
Lowest Possible Cost
Low Taxes
Simplicity!
ADDENDUM:
1. High-income investors |
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s******d
发帖数: 323 | 3 they compare the index (without expense, or the minimum expense) against
all active funds.
1) many active funds are obviously losers, e.g. very high expense ratio,
high front/back end load funds, poor management, etc. yes, they are
included. If you want a fair comparison, please at least add those
SP500 index funds with 2% expense ratio or more in too.
2) many active funds are not trying to minimize the risk while
maintaining similar performance. they have less standard deviation
and have compar |
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n****i
发帖数: 1772 | 4 很简单。
优点：
1). Low cost. Index fund的expense ratio 在0.2%, MFs的平均expense ration是1.
36%.
2). 简单。半年或一年看一次就行了。
3). turn over小，少交税。
缺点：
1). No way to out-perform, 扣掉cost, 你的回报比市场只小一点，很接近啦。依然
逃不掉市场崩溃的风险。想像
你买了index fund when nasdaq is at 6xxx.
2). a little bit extra small cost: index fund 要买掉被delisted的股票（价格在
跌），买如新加进来的股票（价格
高）
下面我要说的很重要啊，大家要记笔记了！
“Economists cite the efficient market theory as the fundamental premise
that justifies the creation of
the index funds. The theory states that fund managers an |
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b***k
发帖数: 312 | 5 Closed-End Funds
A "closed-end fund," legally known as a "closed-end company," is one of
three basic types of investment company. The two other basic types of
investment companies are mutual funds and Unit Investments Trusts (UITs).
Here are some of the traditional and distinguishing characteristics of
closed-end funds:
* Closed-end funds generally do not continuously offer their shares for
sale. Rather, they sell a fixed number of shares at one time (in the initial
public offering), after w |
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R****r
发帖数: 227 | 6 After some thinking, i think actively-managed funds can also be
worth investing. However, they are more difficult to understand
than passively-managed funds. My theory:
When investing in an actively managed fund, I get the following:
1) The average return of the asset class.
(i.e. the return of the index for that asset class)
2) The added value of the fund management.
(i.e. how much the fund "beat the market")
And, I pay the following expenses:
A) The lowest possible expenses |
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s******d
发帖数: 323 | 7 ☆─────────────────────────────────────☆
Ringer (1 2 3 4 2 2 3 4) 于 (Mon Nov 27 20:22:54 2006) 提到:
就比如说FFFFX吧，这个fund的设计思想是不是投资人的portfolio只买
这一个就够了，长期不用动，所有的diversification, asset
allocation都让专家完成。
那为什么有人说这种fund毛病很多呢？
有人说这种fund的diversification不够，比如说FFFFX缺少small cap。
但是管FFFFX投资的manager也不是傻子，没有small cap他为什么不放点
small cap进去呢？他这么做必然有他的理由吧。如果我自己加点small
cap进去，就破坏了这个fund的设计初衷，最后我设计出来的portfolio
能比FFFFX的manager设计的好？
当然diversification还有其他方面，比如说鸡蛋不放到一个公司的篮子里，
那我同时买几个公司的AA相似的target freedom fund，是不是就可以了。
问 |
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f*b
发帖数: 2 | 8 潜水多日，见大家对投资中国市场热情高涨。偶是投资新手，仅有半年经验。以下是偶
几个月来做的homework，希望和大家分享。
偶主要都是present facts，不做市场预测。偶是index believer and Vanguard
diehard。另外偶believe asset allocation，所有中国投资占portfolio 10%左右。
中文敲字太慢，所以下面都用英文啦。
==========
FXI (index fund)
Expense Ratio: 0.74%
Turnover Rate: 45%
Index fund tracking the FTSE/Xinhua China 25 index (25 largest Chinese
companies listed in Hong Kong).
Pros:
Index fund, lower cost than actively-managed funds.
Cons:
The TR of 45% is very high for an index fund. Highly concentrated on |
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C***r
发帖数: 844 | 9 I agree that fidelity's s&p500 index has lower fee than vanguard, but it
charges account close-out fee, which I hate. it is mainly an active funds
shop, and will tempt you to buy their active funds. Its life-cycle funds are
made of active funds, which suck big time.
fund
checking
withdrawal |
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z**m
发帖数: 117 | 10 Load Funds反倒free呢? 比如Firsttrade,No-Load Funds有$9.95的Commission, Load
Funds就是free的.
原以为No-Load Funds就是NTF Fund,难道其实不是一回事吗? 请解惑,谢谢. |
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c***u
发帖数: 190 | 11 我在fidelity retirement plan了追综了两只funds 和两只bonds. 我发现mutual
funds跟大盘直接相关,基本是propotinal, 其中一只blue chip fund 都没跑赢大盘.
但是我的其中一个bond fund 确实跑赢了大盘. 跟大盘的关系有点关系, 但不是很直接.
我要说的是, funds 不是利滚利, 要想每年10%的gain, 就要指望大盘每年有10%的上升
. 每年的受益最大化不是放多久, 而是取决于你一年中最高点和你入的点.
而现在的投资算是好的时期.最好的是找几只低价股票, 坐长线. 当然,不要找的股票是
破产股. |
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c*****x
发帖数: 429 | 12 In that case, the fund charges an annual index fund fee of $10.00 per fund
position if your fund balance falls below $10,000 at the time of the
December distribution.
Why not transfer the ROTH IRA to Vanguard? You pay 50$ transfer out fee, but
will have more choices of index funds and much lower minimum requirements. |
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m**********w
发帖数: 4161 | 13 最近看了些资料，说fed影响短期利率最常见的活动是open market operation，即购入
/售出票据来调整货供应。
中国媒体经常报道央行发行票据回笼货币之类的消息，这倒和上述论述吻合。但美国媒
体最关注的却是fed fund rate。
我猜想是fed fund rate会直接影响open market operation？但fed fund rate按定义
是银行间拆借的利率指导价，它如何直接作用到银行之间的实际拆借利率？又如何影响
open market operation？
wiki上看来的。没太看明白。
In the United States, as of 2006 the Fed sets an interest rate target for
the Fed funds (overnight bank reserves) market. When the actual Fed funds
rate is higher than the target, the New York Reserve Bank will usually
increase the mon |
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l**********t
发帖数: 5754 | 14 empirical research show that a)worst funds tend to stay worst but b)best
funds revert to the mean.
FIDELITY这样大公司FUND表现如此之烂 -- fidelity is a retail-shop -- famous
for its distribution network and 烂 fund. |
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s****h
发帖数: 921 | 15 公司没401k，只match IRA。
公司找的一个financial advisor让我们开american funds的IRA。
american funds里好多子funds，他帮我选了2个。
我现在不明白：如果我对american funds不满意,卖掉它，钱又放到哪里？我IRA的钱不
能取出来，否则有penalty。
还有，american funds号称全美最大的Mutual fundsd,到底怎么样啊？ |
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s*******d
发帖数: 126 | 16 it's a misconcept that all S&P 500 index funds perform equally (minus the ER
). You shouldn't just look for lower fees, there are at least two other
factors that I know of can impact long term performance of index funds. One
is tax efficiency (that is related to how often the index funds buy and sell
stocks) and tracking errors (how closely the fund is tracking the
corresponding index). Obviously the former matters less if you have the
funds in a tax-deferred account, the latter is important reg |
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t*m
发帖数: 4414 | 17 the underlying funds in the target funds are just some index funds
I feel the long-term target funds (e.g. FFFFX) behave just like large cap
index funds (e.g.VFIAX)
average investors.
mediocre. |
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S**C
发帖数: 2964 | 18 I saw your post on M* forum so I know more about you. You have a plan, and
background to be a successful investor, and good earning power. I think you
should not be too concerned on not being able to amass 2M USD inflation
adjusted before retirement. IMO you do not need to be that aggressive to
reach your goal.
Our overall bond percentage roughly equals to our age, someone may recommend
age-10, we decided given the current valuation, and the EU sovereign debt,
we would rather be more conservativ... 阅读全帖 |
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g*********d
发帖数: 290 | 19 第一次投5000块在fedility Roth IRA, 准备买mutual fund. 主要看重domestic stock
, large or mid cap growth 一类, 其他也可以。 但是很多low expense ratio 的
fund 都有minimum initial investment >5000. 看到能少于5000的大多expense
ratio=1. 现在随便看的几个，Fidelity Growth Discovery Fund (FDSVX), Fidelity
Blue Chip Growth Fund (FBGRX)之类的。 不知道给位大侠有什么好的fund推荐。多谢。 |
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y***e
发帖数: 6082 | 20 v家的3000低限居多
第一次投5000块在fedility Roth IRA, 准备买mutual fund. 主要看重domestic stock
, large or mid cap growth 一类, 其他也可以。 但是很多low expense ratio 的
fund 都有minimum initial investment >5000. 看到能少于5000的大多expense
ratio=1. 现在随便看的几个，Fidelity Growth Discovery Fund (FDSVX), Fidelity
Blue Chip Growth Fund (FBGRX)之类的。 不知道给位大侠有什么好的fund推荐。多谢。 |
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M**********r
发帖数: 290 | 21 Name Exchange Symbol Price P/E Market Cap/Fund Tptal Assets
Shares Outstanding EPS P/B P/S ROE Revenue(ttm) Net
Income(ttm)
Morgan Stanley China A Share Fund, Inc NYSE CAF 28.70 N/A N/
A N/A N/A N/A N/A N/A N/A N/A
The China Fund, Inc NYSE CHN 34.17 2.50 778.40 22.78
13.691 1.05 49.76 52.85% 15.66 311.910
iShares FTSE/Xinhua China 25 Index NYSE FXI 43.77 N/A 8,530... 阅读全帖 |
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S**C
发帖数: 2964 | 22 IMHO, your plan lineup are solid. The following are reasonably good.
JPMorgan Equity Index Fund - HLEIX tracks S&P 500 with 0.2% ER, very good.
Royce Premier Fund - RYPRX is excellent in S/Mid-Cap space, but right now S/
Mid-Cap may not be the good place to be in.
T. Rowe Price International Growth & Income - TRIGX is the only
international option you have, and I like its value tilt.
American Century Diversified Bond Fund - ADFIX is a decent bond fund.
You can have a solid and well diversified A... 阅读全帖 |
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f****y
发帖数: 921 | 23 我也发现ETF和admiral很接近，不过admiral要10000以上，所以我的mutual fund都是
那种一般的3000就可以购买的，所以费用要比admiral和ETF高一些.
因为刚开始存roth IRA,所以钱不多，而且就算以后月积累越多，分散投资也是好的，
不至于一下子把1万砸进一个fund.
至于25次交易，我觉得还好，毕竟不是经常交易的人。
所以全部换成ETF应该是比维持mutual fund更有好处，至于风险和收益，我看vanguard
的ETF和对应的基金好像基本表现接近，没有什么坏处。
以前没有接触过ETF，近来才发现，好像买ETF比买mutual fund只有好处没有坏处，当
然我这是针对vanguard一家而言。有什么mutual fund的好处我没看到？ |
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y*****g
发帖数: 521 | 24 初来贵宝地，完全新手，请大虾们不吝赐教哈
刚看到隔壁楼有讨论vanguard的ETF和比较。由于我比较菜，有问题也没敢在那楼里问
（主要怕歪了楼），所以新开一贴啦。 问题如下：
1。 隔壁楼主讲（引用下）：总结来说，如果考虑vanguard的话，如果一个基金有ETF
和mutual fund，绝对应该买
ETF,mutual fund基本完败
这是为啥呀？只因为etf可以在一天当中交易儿mutual fund不行么？
2。 如果我打算买上几千刀的，然后放在那半年一年或几年都不动，是不是etf和
mutual fund就没区别了呀？
3。菜鸟中的菜鸟问题： 我买了个vwinx。如果我觉得股市都在跌呢想拿出来半年等我
觉得市场好了再投，是不是就只有把钱又转回我的银行账户了呢？vanguard有提供放现
金不投资的方法么。。
4。传说投资也要交税，如果赚的话。请问这和交易的次数和时间（年初或年底）有关
系么？
5。请问vanguard的mutual fund或ETF有没有类似国内定投的服务？比如按月自动从银
行卡里转一些做投资？
感谢牛牛们看完这堆问题，请多多指教下新手了！不胜感激！ |
|
y*****g
发帖数: 521 | 25 初来贵宝地，完全新手，请大虾们不吝赐教哈
刚看到隔壁楼有讨论vanguard的ETF和比较。由于我比较菜，有问题也没敢在那楼里问
（主要怕歪了楼），所以新开一贴啦。 问题如下：
1。 隔壁楼主讲（引用下）：总结来说，如果考虑vanguard的话，如果一个基金有ETF
和mutual fund，绝对应该买
ETF,mutual fund基本完败
这是为啥呀？只因为etf可以在一天当中交易儿mutual fund不行么？
2。 如果我打算买上几千刀的，然后放在那半年一年或几年都不动，是不是etf和
mutual fund就没区别了呀？
3。菜鸟中的菜鸟问题： 我买了个vwinx。如果我觉得股市都在跌呢想拿出来半年等我
觉得市场好了再投，是不是就只有把钱又转回我的银行账户了呢？vanguard有提供放现
金不投资的方法么。。
4。传说投资也要交税，如果赚的话。请问这和交易的次数和时间（年初或年底）有关
系么？
5。请问vanguard的mutual fund或ETF有没有类似国内定投的服务？比如按月自动从银
行卡里转一些做投资？
感谢牛牛们看完这堆问题，请多多指教下新手了！不胜感激！ |
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r***e
发帖数: 2539 | 26 我是说比如你在fidelity买的fund，一般卖掉 fund A之后，6个月之内不能再买fund A
，
如果你一个月以后，觉得股市要回升了，你不能买回fund A,除非你买其他fund B,否则
就错过了这一波。
不知道我理解的对不对。 |
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s********z
发帖数: 5411 | 27 sorry, i take the silly back, did not mean to belittle anyone.
yes, it is better to slice and dice on your own and find cheapest funds in
each asset class, probably etf or admiral funds from vanguard. However the
reason I recommend FFNOX is that with 401k and 403b, as in this case, you
may not have access to all the essential elements as in the case of taxable
or IRA where you decide where to open accounts. Secondly, not everyone is
as disciplined as necessary to rebalance regularly and FFNOX ... 阅读全帖 |
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X****r
发帖数: 3557 | 28 Issues for putting money market fund inside tax-advantaged account
while putting international stock fund outside:
1. The interest from money market is not necessarily higher than
the dividend plus realized capital gain from international stock.
For example, money market interest is essentially zero in the last
couple of years.
2. Even if we assume money market pays more interest on average,
international stock probably has higher expected return in the long
run, so if you never use your emergen... 阅读全帖 |
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S**P
发帖数: 835 | 29 老婆刚进一个新公司(金融方面的),这个公司有一个屁规定要求它的员工及其家人的投
资(包括股票和基金)都转到他指定的一些鸟公司,这些鸟公司有以下:
The Dreyfus Corp
T. Row Price
New England Securities
Northwestern Mutual Investment Services
Mark Bredin Investment Advisor
Max Haspel Investment Advisor
Credit Suisse Securities
我查了以上的一些FUNDS,Expense Ratio 贼高,一些普通INDEX FUND的EXPENSE RATIO都
敢要1-2%. 我现在有不少基金在FIDEILITY和VANGUARD, 觉得挺好的,Expense Ratio很
低. 而且现在有不少FUNDS还在水下,我凭什么要TAKE A LOSS去转到那些鸟FUNDS啊? 大
家有没有什么经验对付这个屁规定? |
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b******l
发帖数: 299 | 30 Basically it followed the market. I believe that, this kind of target fund
is a combination of stock market fund, bond fund and money market fund. If
stock market goes down, your target fund will go down very likely. |
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w********0
发帖数: 245 | 31 咨询买mutual fund一般手续费要多少？
上周跑去community bank问有没有比money market更高的保险的存款方式，银行立即就
推荐了一个Templeton fund，说年利率有7.5%左右。但是一问，说手续费要4%，感觉太
贵了。
所以上来问一下说，一般手续费多少比较合适？
而且该怎么看这些推荐的mutual fund，第一次接触，虽然银行说的天花乱坠，但是觉
得还是有点不靠普。 拿来一些资料回来看，就是看到列出以下的表现
1-MO 3-MO 6-MO 1-YR 3-YR* 5-YR* 10-YR
大家选这些fund的时候，都是怎么选的？都怎么看得？怎么查这种fund靠普吗？
多谢了 |
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l******l
发帖数: 209 | 32 看到一个05年的帖子 讲述 401k 投资 方法， 大家看看可行么
发表于 2005-10-30 10:20 PM 只看该作者
401K 选FUND的小窍门
星期五快下班时跟一个很有资历的同事聊投资, 他说: I don't work for money any
more, my money works for me.
他告诉我401K简单有效选择FUND的办法: A. 选出4-5个赢利最高的FUND, 按20%, 20%,
30%, 30% 分配; B. 每个季度或半年看一下所有FUND的上季度赢利, 选出最新的TOP 4
; C. 按照最新的TOP 4 修改现有的持有率.
现在FUND LIST上好几个年赢利都＞２５％， 而且４０１Ｋ里很多都不要ＦＵＮＤ
ＴＲＡＮＳＡＣＴＩＯＮ FEE 的. |
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s***n
发帖数: 678 | 33 我知道ETF和Mutual Fund有区别, 特别在税务上有不同.
若是在Roth账户里, 不用考虑税务问题. 我看Vanguard的一些同名ETF和Index Mutual
Fund, 比如REIT的, 手续费完全一样, 可是ETF可以随时出手, Mutual fund不但要等每
日结算,有的还有若干天不能出售之类的条款. 这样的话怎么还会有人买Mutual fund呢
? 显然ETF有各种优势啊.
鄙人对此很不理解. 这是不是设计出来专门提供给某些法定或者公司限制不能购买ETF
的资金? 还是我漏看了什么Mutual fund的好处? |
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D*****t
发帖数: 558 | 34 when choosing a fund to invest, don't look at the stars, past performance,
or expense ratio. You should instead understand why you need it in your
overallportfolio. I have a feeling that you chose PIMVO REal Return solely
based on its performance during the past years. PRTNX is mostly invested in
TIPS with the purpose of inflation hedge. If you intended to use it as your
inflation hedge in the first place and allocated certain amount of money to
it, then you should keep it. It's a solid fund.
Ho... 阅读全帖 |
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r****m
发帖数: 1204 | 35 This is from Vanguard's website -
*Vanguard Target Retirement Funds average expense ratio: 0.17%. Industry
average expense ratio for comparable target-date funds: 0.64%.
Note this expense is for the target date fund only, does not include any
expense from from the funds included in the target date fund. |
|
h***n
发帖数: 1600 | 36 以上几位说的每句话都是对的。其实两个方案都可以，直接用index funds费用会稍低
一点，但前
提是你会坚持buy and hold和rebalance，否则还不如买retirement target funds。
关键问题是好好理解这话:
"要事先确定自己的risk tolerance，做好问卷调查，自己一个人坐下来静静想一想，
一年损失50％能不能继续buy and hold。如果80％ stock is too risk for you。就不
能直接买退休年份的fund可能要买更小risk的fund(i.e.退休年份更早的fund)" |
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w******1
发帖数: 154 | 37 I have several index funds, and two of them have redemption rate, so I can't
change them. I want to change the other index funds to vanguard 2045.
Should I just change the percentage of the investment? for the two index
funds that have redemption rate, the percentage should be the same? For
further contributions, the total amount of each fund will increase. As long
as the percentage is the same as before, the index funds will not charge the
redemption rate, right? |
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S**C
发帖数: 2964 | 38 Appears to be RDSA's 401(k). If your lifecycle funds (Lifepath 20xx) expense
is low (it appears to be low, but I am not sure the fees are just top level
fees, or total fees. Blackrock lifepath OEFs have high fees, but yours
appears to be privately managed funds), pick one with bond percentage make
you feel comfortable.
Your mutual fund window has quite a few good choices, at least to me. But
for a new investor, choose an lifecycle fund to begin with is not a bad idea
- one can do much worse even... 阅读全帖 |
|
|
M********r
发帖数: 278 | 40 all these talks about ER got me thinking, how much does it cost to run a
fund with 1B AUM?
we need one manager, let's say we pay him 1 mil; two traders with 200K each,
one accountant 150K, one IT guy, 150K, 5 sales (60Kx5=300K). total: 2 mil.
I don't think we need a full time lawyer. Analyst? no, the manger should do
the work. So 2 mil in salary ( Are the salaries generous enough? I have no
idea) let's throw in year end bonus 100%. 4 million.
rest is rent, trading cost, IT equipment, legal serv... 阅读全帖 |
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w***n
发帖数: 1519 | 41 Good fund managers, especially the hedge fund managers, are difficult to
find, partly because:
1. You need to be super rich for them to be interested in your business.
Many funds require > 1M for initial investment. A lot of them are managing
investment for pension funds, endowments, foundations, etc.
2. You need to have connections to get your money managed by them. In the
past, hedge funds were not allowed to advertise. Now the ban has been lifted
, but how many ads have you seen? They aren't ... 阅读全帖 |
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h***n
发帖数: 1600 | 42 你年纪轻,你的target retirement fund就基本上是股票为主，另外target retirement
fund有international stocks and international bonds, 波动更大一点(波动大的意
思是涨得时候涨得很凶跌得时候也跌得很凶). Target retirement fund是长期投资,好
还是差不要以一年两年涨得好还是不好来判断。还有不是你几几年退休,你就应投几几
年退休的那个target retirement fund，具体买哪年退休的target retirement fund,
要根据你对风险的承受程度做一些调整。 |
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m*********t
发帖数: 1250 | 43 不是牛人，但我来试试~
如图所示跟Low Cost的Index VBTLX来比performance，没看出来这个Active Managed
Bond Fund有任何优势，基本都是用Barclays US Agg Bond TR做benchmark，近5年还
underperform benchmark。这个Bond Fund倒是ER高出很多(fr Morningstar: Max
Initial Charge 3.00%, Ongoing Charge 1.10%)~
而且这个Active Fund 2015年才换的Fund Managers，没有track record，也是个risk
需要factor in。
另外两个Bond Fund的Avg Duration也都是5年多，同属inter-mediate term的。要我就
直接买VBTLX了（ER：0.06%）。 |
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发帖数: 1 | 44 具体分析一下？学习学习。
如果这样，假设明年预期利率上涨一个点。债券价格可能再下降5个点。
现在这个债券的当期收益率是2.54%。那么明年底有可能总收益率是-2.5%？
是这么看嘛？想找个例子学习如何分析。
[在 majiaknight (The Dark Knight of Majia) 的大作中提到：]
:Bond prices fluctuate in response to market interest rate changes. The
duration of a bond, or a bond fund, is a measure of its sensitivity to
interest rates. The duration is approximately the amount by which the price
of the bond will fall for every 1% rise in interest rates. For example, a
bond with a duration value of 5 years would be expe... 阅读全帖 |
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u**o
发帖数: 4652 | 45 本来在VANGUARD，很多LOW FEE FUND可选。今天登陆进去，突然发现所有OPTION都没了
，就剩下那种TARGET FUND，还不是VANGUARD的，Prospectuses没有任何信息，没有
PAST PERFORMANCE，不知道有啥HOLDING有啥ASSET什么MIX。我原来所有的投资也被自
动转到了某TARGET FUND。
刚查了查说是公司最近认为员工太多，401K账户太大，由EXPERT来MANAGE比较好，所以
雇了个公司叫Aon Hewitt Investment Consulting选出的这些FUND来帮大家MANAGE。
真TMD的脑残啊，VANGUARD低费用的优势也没了。不知道这是最新趋势还是什么。 |
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q********t
发帖数: 68 | 46 一个3年工作经验的小本，在Hedge fund作IT,年package 55万。。。
Total comp $547,000 as a computer system analyst with 3 year working
experience? Two sigma is so generous
http://www.forbes.com/sites/nathanvardi/2014/02/19/analyst-char
Kang Gao, a 28-year-old who until recently worked as a quantitative analyst
at Two Sigma Investments, was arrested last week and charged by the
Manhattan District Attorney of felony offenses, including computer trespass,
criminal possession of computer related material and unauthorized ... 阅读全帖 |
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b***r
发帖数: 233 | 47 前几天版上有个帖子,说funding date最好不要在周五. 找不到这个帖子了, 只能再来
问一下. funding date 之后三天是不是就是record date? GFE上的 settlement date
就是funding date吗? 为什么funding date 是周五的话会重复算利息呢? (觉得
funding date是周四的话也会重复算啊.) 问题有点杂乱, 主要是refinancing的
closing procedure 比较糊涂.
还有个问题, 如果closing 定于1月10日, 那1-9日的利息怎么付给现在银行, 算
closing cost的一部分吗? |
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j********d
发帖数: 157 | 48 Anybody here refinanced with PF recently (either through PF retail division
or through a broker) can comment if or not Provident Funding allow NO escrow
for LTV<80%?. Thanks
https://www.provident.com/Origination/Information/Faq/General.aspx
Based on 15 and 16 of the above FAQ from provident funding website, there is
no escrow account required for LTV <80%, and the rates would be same with
and without escrow account. Any personal refi experience recently that
confirm this?
"15. Do I need an escr... 阅读全帖 |
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l********r
发帖数: 906 | 49 上周五中午close，一切安好，我交了downpayment和closin的一切费用，拿到了钥匙，
换了锁，今天扯掉了2楼的地毯，换上了木地板，苦逼的事情发生了：贷款的agent给我
打电话，说银行还没有verify employment，所以，funding还没到！！ 我靠，我该咋
整？
我在网上搜了一下，发现有一种叫做 dry closing，是funding会延期但可以先作
closing，但那个是买方和卖方都得到银行明确通知情况下的发生的，我的情况不是这
样子，close的时候没有任何人提到funding会不能按时到。
Loan agent 最新的答覆是，经过他们和银行沟通，我的verification of employment
周四银行其实已经做完了，但好像是另外一个部门做的，目前agent也有点糊涂，不明
白到底哪个环节出问题了，所以，他们又让closing agent 重新给银行发了一遍我所有
的文件。
Close之前，我倒是受到了银行的final commitment letter (all conditions cleared
)，所以，我现在不清楚这个fundin... 阅读全帖 |
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c**********e
发帖数: 1184 | 50 钥匙的程序取决于escrow公司到county去record的速度.比如说，你的银行15号上午10
点funding拿，银行funding之后escrow公司实际收到钱却要等几个小时. 我们假设
escrow下午1点收到钱好了，那么，他们必须在收到最后一笔款子（您银行的funding）
之后的24小时之内完成disbursement和recording. Disbursement是指escrow公司把所
有收到的钱拆开，然后该给谁的给谁，比如卖家得多少多少，保险公司得多少多少，
HOA得多少多少，他们自己留多少多少.Disbursement完成之后，就是最后一个环节
recording，就是指escrow要派专人去你买的房子
所在的county recorder's office 去record Grant Deed (房产转移）以及 Deed of
Trust（房贷）等等.等recording完成了，这个房子就officially是你的了.这个时候，
就可以拿钥匙了，所以，最迟16号你就可以拿钥匙了.如果白蚁和装修队等不了，你也
可以push escrow company当天fund... 阅读全帖 |
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