s********y
发帖数: 403 | 1 大概明白了，非常感谢。两年内应该怎么也会取出来买房了，房租实在交的太肉疼了。
。。
再补充问一下，看了账户有以下这些fund可以选，目标基本就是扣掉各种fee之后能保
本。那么怎么分配比较好呢？谢谢~
Wells Fargo Stable Return Fund Class C
Vanguard Prime Money Market Instl
Vanguard Total Bond Market Idx InstlPls
PIMCO Total Return Instl
Neuberger Berman High Income Bond Instl
Vanguard Windsor II Adm
Vanguard Institutional Index Instl Pl
Fidelity Contrafund
Nuveen NWQ Small-Cap Value I
Vanguard Extended Market Idx InstlPlus
Wells Fargo Advantage Discovery Instl
Vanguard Tot... 阅读全帖 |
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j****7
发帖数: 3032 | 2 401K存了好多年，一直懒的去看，最近查一查发现存了那么多年，回报率才5%. 想请教
各位专家看看，到底该选哪些Fund回报率能高点(in long term)? 我们公司的401K有这
些选择：
Short Bonds/Stable/MMkt:
1.TAP Instl Mny Mkt
2.Dvfd Stbl Pooled
Interm./Long-Term Bonds:
1.TAP Instl Core
2.Vanguard Totl Bd
Large-Cap Stocks:
1.Loomis Value
2.TAP Instl Stk Indx
3.Fidelity Contrafnd
4.Mainstay LrgCapGr
Small/Mid-Cap Stocks:
1.Wlls Frgo Discovery
2.Small/Mid Value
International Stocks:
1.TAP Instl Intl Eqty
2.Vanguard Dev Mkts
Multi Asset/Other:
1.Vanguard Rtrmt Inc
2.Vanguard TR 2... 阅读全帖 |
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g**********i
发帖数: 2 | 3 Sorry I cannot type Chinese here. I am new to 401K and need some suggestions
to build my portfolio.
The options are:
Bond:
PIMCO Total Return Instl/PTTRX 1416/0.46%
Vanguard Total Bond Mkt Index Inst/VBTIX 0222/0.07%
Domestic Stock:
American Beacon Small Cp Val Inst/AVFIX 7644/0.92%
T. Rowe Price Instl Large Cap Growth/TRLGX C948/0.57%
Vanguard Explorer Fund Admiral/VEXRX 5024/0.34%
Vanguard FTSE Social Index Inst/VFTNX 0223/0.16%
Vanguard Inst Index Fund Inst/VINIX 0094/0.04%
Vanguard Windsor I... 阅读全帖 |
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b***m
发帖数: 891 | 4 到目前为止才5%＋，是不是很不好？是不是我没选好Fund？
我的401k选择如下：
Vanguard Windsor II Admiral 25%
Vanguard Employee Benefit Index-Client A 20%
Fidelity Contrafund 25%
Vanguard Extended Market Idx InstlPlus 20%
Dodge & Cox International Stock 10%
公司给的mutual fund选择是：
Lifepath Fund
Wells Fargo Stable Return Fund
Vanguard Prime Money Market Instl
PIMCO Total Return Instl
Vanguard Total Bond Market Idx InstlPls
Neuberger Berman High Income Bond R6
Vanguard Windsor II Admiral
... 阅读全帖 |
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c*********2
发帖数: 216 | 5 刚刚开始弄401k，但是不太懂。自己炒股过。现在不知道怎么把401K里面的钱拿来自己
炒股。
公司用的是Merrill Lynch。以下是提供的各种bond选择。
EQUITY/STOCK Symbol Current Desired
AMERICAN BALANCED FUND CL R6 RLBGX 0%
AMERICAN EURO PACIFIC RERGX 0%
BLACKROCK EQUITY INDEX FD CL M BEIMT 5%
BLACKROCK MSCI EAFE EQTY FD M BMSCT 20%
BLACKROCK RUSSELL 2000 FD M BRIFT 9%
JP MORGAN MID VALUE INST FLMVX 25%
JP MORGAN U.S. EQUITY FD CL R5 JUSRX 9%
NEUBERGER BERMAN MID CP CL R6 NRMGX 0%
O... 阅读全帖 |
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m*******s
发帖数: 314 | 6 嗯嗯。谢谢。
那in general呢？instl holding里面排前面的几家都有自己的etf，那这种passive
holding也算作instl holding吗？如果算，S&P500里面的股票，哪怕是有变差趋势，它
的instl holding也不会少多少啊，毕竟有那么多指数variation的etf里还是passively
的持有这家股票。 |
|
b***m
发帖数: 891 | 7 【 以下文字转载自 Investment 讨论区 】
发信人: bjeam (bjeam), 信区: Investment
标 题: 今年的401k收益率才5%＋
发信站: BBS 未名空间站 (Sun Aug 24 01:04:02 2014, 美东)
到目前为止才5%＋，是不是很不好？是不是我没选好Fund？
我的401k选择如下：
Vanguard Windsor II Admiral 25%
Vanguard Employee Benefit Index-Client A 20%
Fidelity Contrafund 25%
Vanguard Extended Market Idx InstlPlus 20%
Dodge & Cox International Stock 10%
公司给的mutual fund选择是：
Lifepath Fund
Wells Fargo Stable Return Fund
Vanguard Prime Money Market Instl
PIMCO Total Return In... 阅读全帖 |
|
t*m
发帖数: 4414 | 8 目前重仓以下两个基金。
PIMCO Emerging Markets Bond Instl
（PEBIX）
PIMCO Foreign Bond Fund (Unhedged) INSTL (PFUIX)
目前，欧洲和新型市场都在涨利率，同时欧洲还有credit risk, 俺是不是要扔了这两
个funds. |
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l******l
发帖数: 209 | 9 入职有段时间了，401k一直没有enroll，才开始接触，今年30出头了，所以原则定在
30% 风险，70% 稳定的原则上。
Vanguard Small Cap Index Instl % Frontegra Small Cap Core %
Vanguard Mid Cap Index Ins % MidCap Core Stock Fund %
Vanguard Institutional Index Fund % Vanguard Total Bond Market
Index Inst %
Putnam Stable Value Fund % T. Rowe Price
Retirement Income Trust %
T. Rowe Price Retirement 2005 Trust % T. Rowe Price Retirement 2010
Trust %
T. Row... 阅读全帖 |
|
m***d
发帖数: 269 | 10 刚刚加入公司的401k计划，提供的选择有以下几个：
目前默认的投资选项是BlackRock Lifepath Index 2045 K （100%）
本人倾向于保守一点的投资策略，每年的回报率能超过存银行的利息就差不多了
想请教下怎么样搭配比较好呢？！
多谢！
American Funds Capital World G/I R5
Fidelity Spartan International Index Inv
Goldman Sachs Small Cap Value - Instl
Columbia Small Cap Index Fund Z
BlackRock Small Cap Growth Equity Instl
Columbia Mid Cap Index Fund Z
Vanguard Mid Cap Growth Inv
Vanguard Selected Value Inv
Invesco Equally-Wtd S&P 500 Y
J P Morgan Large Cap Growth Select
RidgeWorth Total Return Bond I
... 阅读全帖 |
|
n********r
发帖数: 719 | 11 Great-West Aggressive Profile II Fund I
Great-West Moderate Profile II Fund I
Great-West Conserv Profile II Fund I
Artisan International Value Investor
Vanguard Developed Markets Index Inv
Goldman Sachs Mid Cap Value Instl
Great-West T. Rowe Price Eq Inc Fund I
Great-West Bond Index Fund I
Great-West US Govt Mortgage Secur Fund I
Great-West Loomis Sayles Bond Fund I
PIMCO Total Return Instl
DFA Intermediate Govt Fixed-Income I
DFA ... 阅读全帖 |
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q****a
发帖数: 7 | 12 各位大哥好， 我刚开始工作，想投资403B里的钱，不知道该选哪些， 大家能给我点建
议吗？ 多谢！！！！
我的情况：还比较年轻，也有很好的PENSION，对投资的期望有比较稳健的增长
选择如下：
choose a portfolio:
T.Rowe Price Retirement income
T.Rowe Price Retirement 2005
T.Rowe Price Retirement 2010
T.Rowe Price Retirement 2015
T.Rowe Price Retirement 2020
T.Rowe Price Retirement 2025
T.Rowe Price Retirement 2030
T.Rowe Price Retirement 2035
T.Rowe Price Retirement 2040
T.Rowe Price Retirement 2045
T.Rowe Price Retirement 2050
T.Rowe Price Retirement 2055
create a portfolio
TFLIC Guarant... 阅读全帖 |
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i******r
发帖数: 1415 | 13 工作一年多，401k怎么组合连想都没想过，一直就用retirement 2050，最近稍微看了
一下，觉得收益好低啊。
公司401k用的是T.Rowe Price，麻烦帮我推荐个组合，多谢！
[stock]
ARTISAN INTERNATIONAL INSTL 0.95%
BLUE CHIP GROWTH FUND 0.71%
COLUMBIA SEL SMALLERCAP VAL R5 0.95%
FIDELITY INTERNATIONAL IND INV 0.19%
GROWTH STOCK FUND 0.67%
INVESCO DIVERSIFIED DIVIDND R6 0.45%
IVY SCIENCE & TECHNOLOGY N 0.83%
JP MORGAN MID CAP VALUE L 0.95%
MFS INTL NEW DISCOVERY R6 0.96%
MID-CAP GROWTH FUND 0.77%
REAL ESTATE FUND 0.76%
VANGUARD INST INDEX 0.04%
VANGUARD SMALL CAP INDEX, A... 阅读全帖 |
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M*****e
发帖数: 4550 | 14 Stocks
Large Company
Hartford Dividend & Growth Y
Schwab 1000 Index
Wells Fargo Advantage Growth I
Small/Mid Co.
Ivy Mid Cap Growth Y
Royce Special Equity Instl
Intl/Global
Artisan International Inv
Bonds
Franklin US Government Secs Adv
Balanced
Janus Balanced I
Vanguard Target Retirement 2015 Inv
Vanguard Target Retirement 2020 Inv
Vanguard Target Retirement 2025 Inv
Vanguard Target Retirement 20... 阅读全帖 |
|
s***w
发帖数: 521 | 15 来自主题: Investment版 - pcrdx PIMCO Commodity Real Ret Strat
为什么有那么多的US Treasury Note？这个不是bond吗？和Commodity有什么关系你？
Top 10 Holdings
Security Net Assets
US Treasury Note 0.875% 10.74%
Pimco Cayman Cmdty Fd Ltd Instl 10.23%
FNMA 5.5% 9.40%
US TREASURY NOTE 9.09%
US Treasury Note 3.5% 8.49%
FNMA 5% 8.14%
US Treasury Note 1.875% 7.76%
US Treasury Note 2% 7.74%
US Treasury Note 2.625% 6.46%
US Treasury Note 2% |
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w******g
发帖数: 82 | 16 risk-free 基本上是不可能的，存银行除外。
若能承担一点点risk,年return 超过1.5%的还是有不少的。
Harbor Bond Instl HABDX (bond) 5-star
Total Return % (11/11/10)
1-Day 1-Week 1-Month 3-Month YTD 1-Year 3-Year 5-Year 10-Year 15-Year
HABDX -0.15 -0.98 -0.15 1.98 10.02 10.37 9.65 8.21 7.61 7.36
Permanent Portfolio PRPFX (conservative allocation) 5-star
Total Return % (11/11/10)
1-Day 1-Week 1-Month 3-Month YTD 1-Year 3-Year 5-Year 10-Year 15-Year
PRPFX 0.20 0.29 2.92 11.37 16.73 16.46 8.22 11.08 11.62 8.49 |
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r*****l
发帖数: 354 | 17 LD的退休金计划提供以下Funds，请问是应该选过去回报率高的，还是expense ratio低
的啊？
我们40+了，种种原因，现在只有一个人工作。现在退休金有一半左右在Bond，
MoneyMarket。感觉太保守了，回报很低。Total Contribution:246K,Balance: 278K.
因为我在家，所以开始管投资。但是看了些书，还是很没头绪。我选了Lord Abbett
Developing Growth Fund Class I
可以吗？谢谢。
%CREF Stock
%CREF Global Equities
%CREF Growth
%CREF Equity Index
%T. Rowe Price Institutional Large Cap Growth
%TIAA-CREF International Equity Index Fund - Instl Class
%TIAA-CREF Large-Cap Growth Index Fund - Institutional Class
%... 阅读全帖 |
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c*****e
发帖数: 1106 | 18 Lord Abbett Developing Growth Fund is a decent fund, but this should not be your core holding. This retirement plan is outstanding with many excellent choices in both index and actively managed funds. I don't see any bond fund or MM/stable value fund. I don't like any bond fund at this point, but I hope there is a competitive MM/stable value fund where you can park some cash.
I would suggest to pick the following (index or actively managed) funds to make up your portfolio
TIAA-CREF Large-Cap Gro... 阅读全帖 |
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c*****e
发帖数: 1106 | 19 对，第一个是Index，第二个是acitively managed 基金。
我觉得跟一般大公司的401K相比，你这个计划里的index 基金很不错。
但有一些很好的acitively managed funds。
我可能会选这些基金，
理由
1.主选index 基金，费用很低。
2.但选两个很好的acitively managed Institutional Class Int'l 基金, 主要是这样的基金， 尤其是侧重于Emerging Markets的，退休金计划之外，零售投资者很难涉足类似价廉物美的理财产品.
，不用可惜。
3.我留了15%，If the Money Market fund has a decent yield, I would keep some
cash and only buy on big dips. If the yield is too low, you can park it or
more in Real Return type of bond funds, like PARRX, I would not buy any
market tracki... 阅读全帖 |
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d*****1
发帖数: 1837 | 21 great fund. bill gross大当家
俺前公司401K有，一直保留着，没舍得转出来 |
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h******b
发帖数: 6055 | 22 我401k里面一半是这个。
但普通account很难买这个吧，得公司提供才行。 |
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S**C
发帖数: 2964 | 23 Initial investment mins: $25,000 @ Vanguard, $100,000 @ TD Ameritrade with
fees in all account, $100 @ Scottrade with fees in all account, $100 at
Wells Fargo without fees in IRA account before, do not know now.
So, not that difficult to get.
Bill was and still is a great bond manager, but he recently becomes more of
a financial personality than a money manager, which annoys me. Plus, Bill
manages $1T, give or take, that is a concern. |
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w*****1
发帖数: 6807 | 24 我很看好，最稳妥的bond投资了，强力推进身边所有人 |
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d**k
发帖数: 606 | 25 any thing similar in stock fund? |
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p****a
发帖数: 4829 | 27 We had similar 利率环境 in 2001-2003. It still did very well after 2003. |
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p**h
发帖数: 1105 | 30 普通帐户可以买 PTTDX, 是一家的fund， 不同class， 缺点是expense ratio 高一点
， 0.46% vs 0.75%。。 偶用这个fund 在money market 存钱， 比CD的利息高。 不过
觉得 PONDX 貌似更好一些， 特别是现在的市场状况。 可能PTTRX/PTTDX 更适合2008
年的状况。 |
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p***e
发帖数: 472 | 31 能具体讲讲怎么用这个fund在money market存钱么？
2008 |
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n***8
发帖数: 203 | 33 it seem not increase too, why good? dividend? |
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s**********d
发帖数: 36899 | 34 所有的bond funds都有很多利息出来。
这个10年平均收益率是6%
★ 发自iPhone App: ChineseWeb 8.6 |
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n***8
发帖数: 203 | 35 6% sounds good, where to see this info? |
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s**********e
发帖数: 268 | 37 我401K就有这个fund，去年就跌了
最近利率看涨，不看好这个fund
我去年中期就减少了这个fund的比例 |
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s********i
发帖数: 17328 | 38 前一段长期低利率，将来利率看涨，这个fund performance未来几年好不了，但所有
的bond funds都这样，要ｂｏｎｄ就留着吧，否则投stock。 |
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y****i
发帖数: 778 | 39 I changed all my 401k bond fund from PTTRX to MXLMX at 2010. Since 1/1/2011
to now, MXLMX goes up 30.2% but PTTRX is only 10.8%. Multi sector bond fund
is better than normal treasury bond fund for sure. |
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s********i
发帖数: 17328 | 40 ＰＴＴＲＸ和ＭＸＬＭＸ应该属于different asset class，risk不一样了。PTTRX基本
上是各国国债。MXLMX 50%corporate bonds。08-09年那会儿MXLMX和stock一样都暴跌。
2011
fund |
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n***8
发帖数: 203 | 41 when interest rate go up, it's not good for either bond fund or stock,
then what to choose? |
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s********i
发帖数: 17328 | 42 理论上来讲，don't try to timing the market，just keep you portfolio balanced
。新钱进来买跌的多得那个。 |
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y****i
发帖数: 778 | 43 MXLMX dropped only 25% when S&P 500 lost 50% at 2008-2009. The 10 year
growth is also the highest.
1st one, MXLMX
2nd one, VFINX
3rd one, PTTRX.
YTD 1 Mo 1 Yr 3 Yr * 5 Yr * 10 Yr *
Growth of 10,000 10,241 10,203 10,885 12,964 21,100
22,363
Growth of 10,000 10,065 10,434 12,471 14,926 27,909
19,702
Growth of 10,000 10,186 10,081 9,973 11,413 14,268
18,0... 阅读全帖 |
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t******g
发帖数: 462 | 44 In the mid term, be careful with bond fund, risk adjusted return can be low |
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s********i
发帖数: 17328 | 45 the point is not the absolute return. MXLMX is similar as stocks risk wise
while PTTRX is different. I am not saying MXLMX is bad. I am just saying it
is a different asset than PTTRX. If you want an asset class like treasury
bond, they will be pretty much similar in the next few years, which probably
won't have good returns.
100
909 |
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M********r
发帖数: 278 | 46 i thought, correct me if I am wrong, both are bond funds and seek absolute
returns and can go anywhere and buy anything. Their current portfolios are
different not because of their investment mandates, but because of the
choices made by the managers. PTTRX seems to be comfortable with treasuries,
agency bonds and mortgage backed secutities, but MXLMX largely shun these
and is heavy in corporate bonds. Both Gross and Fuss are great managers.
Gross has been experiencing bad publicity right now a... 阅读全帖 |
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y****i
发帖数: 778 | 47 CD is a good choice when the interest is high enough. I have a 7 year 5.5%
CD bought at May 2008 when the S&P 500 was 1400. If you put it in a tax
deferred account, 45% total return when it mature at 2015. S&P 500 return is
up 32% until now, need up another 10% to May 2015, for the index above 2000
just break even with my CD investment.
The problem is current CD rate is low. So individual bonds, especially 5-10
year lower investment grade municipal bond with AGM/MBIA or even AMBAC
insured since ... 阅读全帖 |
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S**C
发帖数: 2964 | 48 Just pointing out $10,000 put into VFINX on 05/01/2008 will grow to $14,935
today with dividend reinvestment. The dividend and capital gains subject to
a far better tax treatment than interest, as a bonus.
is
2000
10
to |
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y****i
发帖数: 778 | 49 Before 30% up in 2013, the return is less than 20% even considering the
dividend. Stock risk is much higher than CD. 33% down in bear market can
wipe out the whole 50% gain in the bull market. We are talking about a 5
year mature bull market whose the p/e ratio is already higher than normal
because of QE. We'll see how soon this bubble will finally burst.
935
to |
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