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u*********r 发帖数: 1181 | 3 上面部分是费用,下面部分是各自相应的average annual total return。
非常感谢啊
Gross Expense Ratio:
=======================
TIER I - LIFECYCLE FUNDS
- show details. - hide details.
LIFEPATH 2015 07/05/2006 Blended Fund Investments* N/A 0.1221
% No additional fees apply.
LIFEPATH 2020 06/30/2006 Blended Fund Investments* N/A 0.1092
% No additional fees apply.
LIFEPATH 2025 07/05/2006 Blended Fund Investments* N/A 0.1237
% No additional fees apply.
LIFEPATH 2030 06/3... 阅读全帖 |
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c*****e 发帖数: 314 | 4 本人MF新手,去年底买了这几支vanguard的MF:
Vanguard Equity-Income Inv 20%
Vanguard Interm-Term Bond Index Inv 20%
Vanguard Wellington Inv 20%
Vanguard Mid Cap Index Inv 20%
Vanguard International Growth Inv 20%
因为手头闲钱不急用,组合比较aggressive,最近大盘涨的好,目前为止return大概有
6%。
个人觉得问题之一是wellington因为是balanced,和Interm-Term bond index 与
Equity-income是不是有些重复,但因为关注wellington比较久,还是买下了。主要有
以下2个问题,劳烦各位前辈朋友们帮忙看看:
1.针对当前经济形势,这个portfolio有什么问题?还可以更加diversified吗?金银?... 阅读全帖 |
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K***H 发帖数: 999 | 5 请问这个税是你卖的时候收么?
相当于fee一样?
还是退税的时候收?
本人MF新手,去年底买了这几支vanguard的MF:
Vanguard Equity-Income Inv 20%
Vanguard Interm-Term Bond Index Inv 20%
Vanguard Wellington Inv 20%
Vanguard Mid Cap Index Inv 20%
Vanguard International Growth Inv 20%
因为手头闲钱不急用,组合比较aggressive,最近大盘涨的好,目前为止return大概有
6%。
个人觉得问题之一是wellington因为是balanced,和Interm-Term bond index 与
Equity-income是不是有些重复,但因为关注wellington比较久,还是买下了。主要有
以下2个问题,劳烦各位前辈朋友们帮忙看看:
1.针对当前经济形势,这个... 阅读全帖 |
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d****s 发帖数: 174 | 6 我目前才起步,收入也不高,看了一点东西,请专家们指点。谢谢!
这是 Taxable account,已经买了其中一部分。发现这个账户里面想换基金不太方便,
似乎要交钱:
% of Holding Name Stock Industry/
Assets Fund Category
22.64 VTMSX Vanguard Tax-Managed Small Blend
22.64 VTSMX Vanguard Total Stock Large Blend
22.64 VFINX Vanguard 500 Index I Large Blend
22.64 VWITX Vanguard Interm-Term Muni National Interm
9.43 VWINX Vanguard Wellesley I Conservative Allocation
这是Ro... 阅读全帖 |
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h******b 发帖数: 6055 | 7 仔细考虑以后还是决定买bond fund为主了,我觉得玩bond专业的团队优势太大了,自
己不太可能工作时间下单买bond。而且bond fund比较好出手。我会选最近一年
dividend占了return 75%或更高的,找价钱不怎么变,靠dividend吃饭的。
因为Fidelity和Vanguard是泰山北斗,用他们平台交易他们自己的产品是没有手续费,
我估计是二选一。Fidelity好像如果交易别的东西好一些,所以可能还是Fidelity。不
过vanguard fund每年的expense真的低啊。
FGMNX US FIDELITY GNMA FUND
FSTGX US FIDELITY INTERMED GOVT INCOM FTBFX US FIDELITY TOTAL BOND FUND-TB
FSTFX US FIDELITY SHORT INTERM MUNI I
VFIUX US VANGUARD INTM TERM TREAS-ADM
VFIJX US VANGUARD GNMA FUND-ADM VFIDX US VANGUARD INTM TRM INV ... 阅读全帖 |
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N*****5 发帖数: 35 | 8 现在选的FID FREEDOM K 2050 (FFKHX), 有必要改吗?
50% stock + 50% bond 的组合怎么样? 求推荐, 谢谢!
SPTN EXT MKT IDX ADV (FSEVX) 50%
VANG TOT BD MKT INST (VBTIX) 50%
Fund list如下:
Name/Inception Date Asset Class Category 1 Year 3 Year 5 Year 10 Year/
LOF* Returns As Of Bench- mark
FID GROWTH CO POOL
12/13/2013 Stock Investments Large Cap Growth 21.80% N/A N/A 18.79%
07/31/2015 Show
Benchmark: Russell 3000 Growth 16.37% 18.94% 17.76% 15.46 07/31/2015
TRP BLUE CHIP GR T5
09/30/2009 Stock Investmen... 阅读全帖 |
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发帖数: 1 | 11 In a case of an old idea gaining new legs, Achates Power says it expects the
first commercial use of its unique two-stroke, opposed-piston design to
occur by 2020, following an initial in-vehicle demonstration in early 2018.
It’s based on a design that’s well over 100 years old.
Achates, aiming to power both heavy-duty trucking and passenger vehicles,
won’t say which will be the first to hit the streets using its technology,
but much of the company’s development work so far appears tilted toward... 阅读全帖 |
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l***n 发帖数: 731 | 13 我的401K选项有下列, 怎么看才知道, 哪些是股票,哪些是基金, 哪些风险大?
OPPENHEIMER QUEST OPP VALUE-A
BLACKROCK S&P 500 INDEX FUND-I
BLACKROCK LARGE CAP GROWTH FD-A
AMERICAN FUNDS EUROPACIFIC-R3
COLUMBIA MID CAP VALUE FUND-A
THORNBURG INTERNATIONAL VALUE R4
INVESCO SMALL CAP EQUITY FUND-A
DAVIS NEW YORK VENTURE FUND-A
INVESCO VAN KAMPEN COMSTOCK A
* BLACKROCK GLOBAL GROWTH FUND-A
PIMCO TOTAL RETURN FUND-A
BLACKROCK INTERM GOVT INV-A
BLACKROCK LARGE CAP CORE FD-A
* BLACKROCK SMALL CAP GR EQ PORT... 阅读全帖 |
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s***g 发帖数: 1250 | 14 看了一年的回报,大多数都是负的,这样还有必要搞吗,特别是现在经济不景气?
谢谢
我的账号fund list如下:
Stock InvestmentsHelp for Stock Investments
Investment
Average Annual Returns
Desired %
1 Yr 3 Yr 5 Yr 10 Yr Life As of
FID BLUE CHIP GR
Inception Date 12/31/1987 -2.72% 19.04% 2.98% 2.33% 10.
04% 12/31/2011 %
FID CONTRAFUND
Inception Date 05/17/1967 -0.12% 14.70% 2.58% 6.96% 12.
06% 12/31/2011 %
FID DIVIDEND GR
Inception Date 04/27/1993 -8.51% 18... 阅读全帖 |
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j****y 发帖数: 1714 | 15 Assuming you are 30 years old, here is a low-cost, conservative growth
portofolio.
FID INTERMED BOND : 30%
SPTN TOT MKT IDX INV: 50%
SPTN EXT MKT IDX INV: 20%
------------------------
Skip other craps.
Buy and hold, rebalance annually.
More investment information: bogleheads.org |
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j****7 发帖数: 3032 | 16 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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s********a 发帖数: 2796 | 17 对这个东西不是很懂,去年乱放,结果亏了12%,今年不敢乱来了,能请各位执导一下该
怎么选择我的401k么?谢谢
Name Expense ratio
Company STOCK FUND Company stock(Stock) 0.01%
HARTFORD CAP APP IA Large Cap Blend(Stock) 0.67%
NT S&P 500 INDEX Large Cap Blend(Stock) 0.01%
NT RUSSELL 2000 INDX Small Cap Blend(Stock) 0.03%
TRP INST SM CAP STK Small Cap Blend(Stock) 0.73%
HARRIS OAKMRK GLOBAL World(Stock) 0.80%
NT ACWI EX-US IDX DC Foreign(Stock) 0.06%
OPPHMR DEV MKTS Y ... 阅读全帖 |
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s********a 发帖数: 2796 | 18 对这个东西不是很懂,去年乱放,结果亏了12%,今年不敢乱来了,能请各位执导一下该
怎么选择我的401k么?谢谢
Name Expense ratio
Company STOCK FUND Company stock(Stock) 0.01%
HARTFORD CAP APP IA Large Cap Blend(Stock) 0.67%
NT S&P 500 INDEX Large Cap Blend(Stock) 0.01%
NT RUSSELL 2000 INDX Small Cap Blend(Stock) 0.03%
TRP INST SM CAP STK Small Cap Blend(Stock) 0.73%
HARRIS OAKMRK GLOBAL World(Stock) 0.80%
NT ACWI EX-US IDX DC Foreign(Stock) 0.06%
OPPHMR DEV MKTS Y ... 阅读全帖 |
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i**********t 发帖数: 81 | 19 在fidelity有一个retirement plan account, 请问下面这么多种funds, 该怎么配置
portfolio? 头都大了。请懂行的同学指点,多谢了。
Blended Investments -- FID ASSET MGR 20% %
Blended Investments -- FID FREEDOM K 2000 %
Blended Investments -- FID FREEDOM K 2005 %
Blended Investments -- FID FREEDOM K 2010 %
Blended Investments -- FID FREEDOM K 2015 %
Blended Investments -- FID FREEDOM K 2020 %
Blended Investments -- FID FREEDOM K 2025 ... 阅读全帖 |
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b********n 发帖数: 632 | 20 去年一年的401k全放在money market.今年想投资一下,本人40岁,以下是
可选的投资方案。烦请各位大牛能否帮忙选一个?谢谢。
Investments 1 YR 3 YR 5 YR 10 YR Life As of Date
Stock Investments
Large Cap
FID BLUE CHIP GR
Inception Date 12/31/1987 15.26 14.80 6.95 7.86 10.50 01/
31/2013
FID CONTRAFUND
Inception Date 05/17/1967 15.02 13.92 4.83 10.45 12.22 01/
31/2013
FID DIVIDEND GR
Inception Date 04/27/1993 15.80 12.90 4.78 6.77 10.26 01/
31/2013
FID EQ DIV INCOME
Inception Date 08/... 阅读全帖 |
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a****t 发帖数: 7049 | 21 It's not that long, just the duration. Vanguard Interm Term Bond Fund has
duration of 6.5 years, meaning you will be indifferent in 6.5 years after
each rate change. That's duration is also much shorter than the effective
duration of stocks. |
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l*******x 发帖数: 49 | 22 刚接触401K, 想请教下,应该选哪种好,比例多少为好~~~十分感谢
(DBC) PowerShares DB Commodity Index
(DJP) iPath DJ-UBS Commodity Indx
(IDU) iShares Dow Jones US Utilities
(BIV) Vanguard Intrmdiate-Term Bnd
(JNK) SPDR Barclays High Yield Bond
(EFA) MSCI EAFE Index Fund
(IVV) iShares Core S&P 500 Index
(IWF) iShares Russell 1000 Growth Index
(IWD) Russell 1000 Value Index
(AGG) iShares Core Total US Bond Market
(BWX) SPDR Lehman Intl Treasury Bond
(GVI) iShares Barclay Interm Gvt/Crdt bd
(MINT) PIMCO Enhanced Short Maturity ... 阅读全帖 |
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y*******r 发帖数: 141 | 23 Blended Investment -- FID FREEDOM K 2000
Blended Investment -- FID FREEDOM K 2005
Blended Investment -- FID FREEDOM K 2010
Blended Investment -- FID FREEDOM K 2015
Blended Investment -- FID FREEDOM K 2020
Blended Investment -- FID FREEDOM K 2025
Blended Investment -- FID FREEDOM K 2030
Blended Investment -- FID FREEDOM K 2035
Blended Investment -- FID FREEDOM K 2040
Blended Investment -- FID FREEDOM K 2045
Blended Investment -- FI... 阅读全帖 |
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h***n 发帖数: 1600 | 24 上面我给你的配置还是可以的,你没有2015,改成2010就可以了.
如果401k钱比较多(>100k),你401k也可以调整如下:
Schwab S&P 500 Index 65%
Vanguard Developed Markets 23%
Vanguard Interm-Term bond Index 12%
然后在Roth account放相当于你的401k总数10% 的 small stock index funds 和 401k
总数10% 的emerging market index funds. |
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t**n 发帖数: 58 | 25 金融菜鸟一个,请帮忙选一下。。
Average Annual Total
Short Bonds/Stable/MMkt 1 mo. 3 mos. YTD 1 yr. 3 yrs. 5
yrs. 10 yrs. Since* Inception Expense Ratio
Stable Value
Transamerica Stable Value Advantage Account 1.65 1.62 1.62 1.68
2.03 2.46 3.09 N/A N/A
N/A N/A N/A N/A N/A N/A N/A N/A
Interm./Long-Term Bond 1 mo. 3 mos. YTD 1 yr. 3 yrs. 5
yrs. 10 yrs. Since* Inception Expense Ratio
Intermediate-Te... 阅读全帖 |
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s******d 发帖数: 323 | 26 Sorry. Can not type in Chinese. This is my allocations. Can anybody help
take a look?
Templeton Global Bond A 5%
Janus Overseas N 9%
DFA International Value I 9%
T. Rowe Price Large Cap Value 27%
Vanguard Interm-Term Bond Index Adm 5%
Invesco SmallCapValue Y 9%
Ivy Small Cap Growth Y 9%
Fidelity Advisor New Insights I 27%
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s******d 发帖数: 323 | 27 中间换了好几家公司,我都不记得的选的什么了。 下面是现在公司的选项。
估计数据都错行了, 但最后一个数是expense,前面是不同年份的收益。
请大家帮忙看看。我自己注意到我没选S&P 500,它的expense好像很低。 多谢!
3
Investment option 1 mo 3 mo YTD 1 yr 3 yr 5 yr
10 yr std dev expense
Advantus Money Market -0.01 -0.04 -0.09 -0.16 -0.16 -0.17
1.35 0.02 0.34
Templeton Global Bond -0.13 2.36 3.32 7.14 4.23 7.45 9
.2 9.28 0.63
Vanguard Interm-Term Bond Index Adm -0... 阅读全帖 |
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S**C 发帖数: 2964 | 28 I will use
Vanguard Wellesley Income Adm (US large value and corporate bonds)
DFA International Value (developed market large cap)
Templeton Global Bond (foreign bonds, currently for the past couple of years
mostly emerging market bonds).
to build bulk of my 401k portfolio.
If I want more US bond, I will add Vanguard Interm-Term Bond Index Adm even
though bond index never makes sense to me, OK as ballast.
If I want more US equity, I will add Advantus S&P 500 Index, or T.
Rowe Price Large Cap Val... 阅读全帖 |
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s******d 发帖数: 323 | 29 Van anybody help to see if I need to change my allocations. This year's
return so far is only 1.48%. Thanks!
Investment option
Allocation %
Stable Value
Minnesota Life General Account
Money Market
Advantus Money Market
General Bond
BlackRock Strategic Income Opps Instl
Columbia Limited Duration Credit R4
Templeton Global Bond A_________20%
Vanguard Interm-Term Bond Index Adm_________5%
Vanguard Long-Term Investment-Grade Adm
US Stock
Advantus S&P 500/Citigroup Growth
Advantus S... 阅读全帖 |
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w********1 发帖数: 266 | 30 谢谢 这个表格很有用 看来reits还是和equity 的correlation 比较高 确实在
portfolio里没啥大用 gold 和什么的correlation 都比较低 但貌似收益低 而且还特
别volatile. 那我还是stick to bond 加 stock好了
另外想问问multisector bond 好像什么bond fixed income derivative 都买 是不是
portfolio的好选择? PONDX 我关注了一阵了 买了是不是 short term intermed long
term investor grade hybrid junk 啥都有exposure了?
sufficient
for |
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J****K 发帖数: 232 | 31 GNMA FUND + PRGMX 1.43% 1.43% 1.57% 1.72% 2.80% 4.33%
6.07%
11/26/1985 0.59%
05/31/2015
icon PRUDENTIAL CORE PLUS BOND PRCPB 3.64% 3.64% 1.38% 3.
00% 5.18% 6.26% 6.19%
05/20/1999 0.26%
12/31/2014
icon SPECTRUM INCOME FUND + RPSIX 3.68% 3.68% 0.73% 2.27%
4.08% 5.41% 7.11%
06/29/1990 0.69%
12/31/2015
icon US BOND ENHANCED INDEX +
Redemption fee: 0.50% - 90 days or less
PBDIX 2.91% 2.91% 1.64% ... 阅读全帖 |
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发帖数: 1 | 32 以前就放在 vanguard target 2040, 发现那里的股票竟然占了80%, 然后在网上查了
好多, 单位提供的基金如下,依次代表的是基金名称,class, category,和ER
American Funds EuroPacific Growth Fund® Class R-6 RERGX, stock,
foreign, 0.5%
Cohen & Steers Institutional Realty Shares
CSRIX , stock, specialty
, 0.76
DFA Emerging Markets Value Portfolio Institutional Class
DFEVX,stock
, diversifd emerging mkts, 0.66 or 0.56
DFA U.S. Targeted Value Portfolio Institutional Class
DFFVX, stock,
small cap value, 0.37
Harbor Capital Apprec... 阅读全帖 |
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s******y 发帖数: 289 | 33 Note: 这只是Interm rule. 专业有可能在以后会增加或者减少
到下面的连接去查到你自己专业的 code
http://nces.ed.gov/pubs2002/cip2000/cipsearch.asp
然后看看是不是在这个范围里面(注意最后一点的 exception, 并不是 xxxx 代表所有)
DC: U.S. To be eligible for the 17-month OPT extension, a student must have received a degree in the following:
Actuarial Science. NCES CIP Code 52.1304
Computer Science: NCES CIP Codes 11.xxxx (except Data EntryMicrocomputer
Applications, NCES CIP Codes 11.06xx )
Engineering: NCES CIP Codes 14.xxxx
Engineering Technologies: NCES CIP Codes |
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q*******d 发帖数: 2235 | 34 我的情况是在读PHD,现在在毕业论文阶段,所以不用上课。今天去面试了一个大公司
的2个月的
PROJET的一个职位,谈的比较HIGH,感觉他们觉得找对人了。Pay 是$33/小时。他们要
我回来问学
校说看我一星期能上几天班,最早什么时候能上班。
问题来了,我现在是学校的GRA。合同上说是不能再有另外一份工作了。跪问各位大侠
,还有没有其他变
通的方法可以接这OFFER?他们是大公司,PAY UNDER TABLE肯定是不行的了,如果要
PAY的话,肯
定要走PAPER WORK的。我的想法是能不能先当volunteer,等到明年暑假再让他们按
INTERM给我补
回来?钱倒是小事,主要是想能有一些大公司干项目的经验,以后好找工作。
老板这边问题倒不大,这学期他学术休假,他一周就周五来,然后拿点毕业论文的结果
给他看看就行,
他也不怎么管我。
各位有好的建议吗? |
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q*******d 发帖数: 2235 | 35 CS的OPT很难申请,至少在我们学校,因为OISS那群猪说你I20上是PHD PROGRAM,你当
初来美国的目的也是PHD,所以MASTER的OPT不能给批。
但估计你这问题不大,首先申请OPT不需要OFFER,它也不应该管你去哪吧,所以你可以申PHD的OPT,
然后去工作。具体去学校
问问。但千万被透露太多信息给他们。我上次想去申请OPT,只能PART-TIME,然后我说
想申CPT,但他丫的跟我说你不能申CPT,因为你告诉我这不是INTERM,是一个JOB
OFFER,气晕我了,当时。 |
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R********s 发帖数: 182 | 36 我在做博后,很好的学校,很好的导师,但是我自己感觉做学术不是很开心,而且想到
未来还要拼搏那么久,久害怕。所以想去industry, 会很难么?我的专业是生物统计,
生物信息,流行病学相关的,有点理论。我也没有做过interm。 |
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UD 发帖数: 182 | 37
楼主,如果你觉得manager是为了把interm赶走,才踩着点儿休假五周的话,我可以说
这不大可能,你绝对想得太多了。 |
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d**e 发帖数: 6098 | 38 ☆─────────────────────────────────────☆
backtou (御前带两把刀) 于 (Fri Mar 15 00:41:31 2013, 美东) 提到:
这事过去半年多了,憋在心里实在不吐不快,眼看找工作接近尾声了,和大伙扯一扯,
也让后来者有个心理准备。
去年夏天在微软的一个组实习,大组里包括manager基本80%是老印,mentor是个白人。
manager在第一周打过招呼以后基本就不管不问了,都是mentor在指导。到了第6周期中
review之前有一个小demo,以前也没用过c#所以开始一段进度一般,最后几天我在公司
熬了几个通宵,终于在demo前的几个小时把代码跑通了。当时manager也挺满意的样子
。过了一周要交mid review了,找我去谈话,说you did a good job,但在接下来的时
间里我希望你能step up,自己设计一些approach 并且convince 我云云。我以为这也就
是普通的“三七开”的评价,心里还挺美。
没想到,转天他在review上写了个不合格,理由就是上面那几条。还forward给我... 阅读全帖 |
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m*****e 发帖数: 83 | 39 说明一下:interm是full time的job level,不是intern |
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m*****e 发帖数: 83 | 40 说明一下:interm是full time的job level,不是intern |
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y******a 发帖数: 47 | 41 请问下fresh graduate 的职位是不是就去投interm的职位呢? |
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s*******r 发帖数: 2697 | 42 interm的职位一般对应fresh master或者一年工作经历的master
也可以直接投new graduate的职位
Job Number: 1347665
对应内部refer链接是
http://rfer.us/YHOiDQ3Qn |
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y******a 发帖数: 47 | 43 请问下fresh graduate 的职位是不是就去投interm的职位呢? |
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s*******r 发帖数: 2697 | 44 interm的职位一般对应fresh master或者一年工作经历的master
也可以直接投new graduate的职位
Job Number: 1347665
对应内部refer链接是
http://rfer.us/YHOiDQ3Qn |
|
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V*****D 发帖数: 466 | 46 My twins will reach 1-year next week. They spent 4 weeks in NICU due to
premature.
Yes, they looks 发育滞后 around 2 months interms of weight and height. But
they are very healthy right now.
Relex and Enjoy every moment you spent together. |
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a****l 发帖数: 8211 | 47 到那个级别啦?prelim,interm,novice? |
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S**q 发帖数: 249 | 48 你如果申请了,就能凭recipet工作3个月吧,如果3个月到了还是没批,听说可以去要
一个interm permit。我也不太懂,不过我现在是旧工卡已过期,新的还没下来,我还
在上班。因为公司没有问起,所以我也就继续上。不知道会不会有事,我怕怕的 |
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w****r 发帖数: 245 | 50 大侠,分类都分好了,求神签
# Basic Materials, Agricultural Chemicals
AGU Agrium Inc.
AVD American Vanguard Corp.
CAGC China Agritech Inc.
CF CF Industries Holdings, Inc.
CGA China Green Agriculture, Inc.
CMP Compass Minerals International
COIN Converted Organics Inc.
IPI Intrepid Potash, Inc.
MON Monsanto Co.
MOS Mosaic Co.
NOEC New Oriental Energy & Chemical
POT Potas... 阅读全帖 |
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