c*****e
发帖数: 1106 | 1 还要看你401K里的投资选择，Nw Inv Dest Aggre R2 一般，外面个人（税前税后）账
户类似的选择比比皆是。 |
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b********n
发帖数: 632 | 2 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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M********r
发帖数: 278 | 4 http://www.qaib.com/public/downloadfile.aspx?filePath=freelook&
this report has been cited very often recently. The key finding is that
verage investor in all U.S. stock funds earned 3.7% annually over the past
30 years—a period in which the S&P 500 stock index returned 11.1% annually.
How so? "the biggest factor is that investors chase returns—jumping aboard
after a streak of hot performance and diving over the gunwales after it goes
bad. Because of that buy-high, sell-low behavior, investors i... 阅读全帖 |
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y****i
发帖数: 778 | 5 Yes, bond or bond fund performance is not bad at all if you compare the
right one.
MXLMX Great-West Loomis Sayles Bond
11/1/1994-5/12/2014, 6.2x, I couldn't find data before 1994.
VFINX Vanguard 500 Index Inv
11/1/1994-5/12/2014, 5.7x,
8/31/1989-5/12/2014, 8.9x.
CUSIP 452221BV5
Federally Taxable NO
Subject to Alternative Minimum Tax NO
Price 83.529
Interest Accrual Date 04/24/1990
Maturity Date 12/15/2019
Insurer AMBAC
Initial Offering Price/Yield: 11.603
04/24/... 阅读全帖 |
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m*********t
发帖数: 1250 | 6 The Gift Tax
Updated for Tax Year: 2013
If you give people a lot of money, you might have to pay a federal gift tax.
But the IRS also allows you to give up to $14,000 in 2013 to any number of
people without facing any gift taxes, and without the recipient owing any in
come tax on the gifts.Why it pays to understand the federal gift tax law
If you give people a lot of money or property, you might have to pay a feder
al gift tax. But most gifts are not subject to the gift tax. For instance, y
ou c... 阅读全帖 |
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q****4
发帖数: 226 | 7 请大家帮忙看看我的退休计划如何。打算5-6年一次调整。
州里的退休计划在fidelity，可选的基金很少（23只），除开target date Freedom
Fund（有11只），剩下的就只有：
1. FID DIVERSIFD INTL (FDIVX)
2. FID DIVIDEND GR (FDGFX)
3. FID LOW PRICED STK (FLPSX)
4. FID REAL ESTATE INVS (FRESX)
5. FID WORLDWIDE (FWWFX)
6. SPTN EXT MKT IDX ADV (FSEVX)
7. FID FREEDOM INCOME (FFFAX)
8. FID HIGH INCOME (SPHIX)
9. FID INFLAT PROT BOND (FINPX)
10. SPTN US BOND IDX ADV (FSITX)
11. FID RET GOVT MM (FGMXX)
12. MIP CL 1
我计划以下百分比（然后每5-6年看情况调整）：
6 - 50%
4 - 15%
8 - 20%
target Freedo... 阅读全帖 |
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g*********e
发帖数: 14401 | 8 还是我操作不对,miss了什么? 以前schwab起码有好几十种啊
这个选项多寡也跟employer有关么?
Bond Investments Stable Value WF STABLE VALUE
view restriction(s) %
Bond Investments Income FID TOTAL BOND %
Bond Investments Income VANG TOT BD MKT ADM %
Stock Investments Large Cap AMERICAN AMCAP R4 %
Stock Investments Large Cap SPTN 500 INDEX INST 100% %
Stock Investments Large Cap TRP EQUITY INCOME %
Stock Investments Mid-Cap COLUMBIA ACORN Z %
Stoc... 阅读全帖 |
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P********r
发帖数: 1304 | 9 我的401K都是些没听过基金啊，列出来给大家看看，顺便求求建议投资哪些好。目前我
投了两个，都是large cap，可是也没见涨啊。
BlackRock Equity Dividend A Large Cap
Alger Cap App Institutional I Large Cap
American Funds Gr Fd Of Amer R3 Large Cap
BlackRock Flexible Equity-A Mid Cap
BlackRock Global Allocation A Asset Allocation/Balanced
BlackRock LifePath 2020 A Asset Allocation/Balanced
BlackRock LifePath 2030 A Asset Allocation/Balanced
BlackRock LifePath 2040 A Asset Allocation/Balanced... 阅读全帖 |
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j******2
发帖数: 665 | 10 菜鸟一枚，那些复杂的bond，stock完全不懂，所以目前不敢碰。
目前就两个选项
TIAA life cycle 2045 fund
Net asset value as of 03/12/2015 : $11.02
Total return year-to-date as of 03/12/2015 : 2.70%
Fund's net invested assets as of 09/30/2014 : $1.05 billion
Gross Expense Ratio : 0.90%
Net Expense Ratio 1 : 0.71%
Inception date : 11/30/2007
Investment class : Lifecycle
Fidelity freedom K 2045 fund
TTM Yield 2.70%
Total Assets $ 6.0 bil
Expenses 0.66%
Fee Level Low
Turnover 47% ... 阅读全帖 |
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w********u
发帖数: 545 | 11 公司用的是T. Rowe Price。我一直就放在retirement 2045 fund里没管它，由于这四
年stock market不错，所以这个fund 回报还不错，但是expense ratio挺高的，有0.76
%。最近看了一些文章和帖子，好像不少人都是自己挑fund来放，而不是这种target
retirement fund。而且看了大家说的fund的expense ratio都基本在0.3%以下。 现在
我这个0.76%的ER是不是太高了？
下面是我们401K有的 FUND，大家帮我看看吧。
AMERICAN FUNDS EUROPAC GRW R6
BLUE CHIP GROWTH FUND
EMERGING MARKETS STOCK FUND
GOLDMAN SACHS SMALL CAP VALUE
JOHN HANCOCK DISCIPL VALUE R4
MET WEST TOTAL RETURN BOND I
MFS INTERNATIONAL VALU... 阅读全帖 |
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b*********n
发帖数: 182 | 12 油价跌了，是不是应该买入油股啊？如果只想买基金， Vanguard Energy Inv (VGENX)
是个好的选择吗？
另外total market mutual fund的基金管理人会根据市场浮动调整基金构成吗？ |
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n********e
发帖数: 1789 | 13 公司的401K是American Funds管理的
大致信息如下，后面是Expense Ratio，请问选择哪些Fund组合比较好？谢谢
American Funds AMCAP, 0.72%
American Funds EuroPacific Growth, 0.84%
American Funds New Economy Fund, 0.81%
American Funds New Perspective Fund, 0.80%
American Funds SMALLCAP World Fund, 1.06%
AMG Managers Skyline Special Equities, 1.47%
Hartford Core Equity R4, 1.04%
Janus Enterprise S, 1.17%
Janus Triton S, 1.18%
Oppenheimer Developing Mar... 阅读全帖 |
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m********u
发帖数: 63 | 14 有如下选择，谢谢！ ER ratio都可够贵的。现在选的是TRP RETIREMENT 2050，ER
ratio = 0.75%。不知道有没有更合适的组合。
Name/Inception Date Asset Class Category Gross Expense Ratio**
Shareholder Fees
AF FUNDMNTL INV R6 (RFNGX)
08/01/1978
Stock Investments Large Cap 0.31% No additional fees apply.
ALZGI NFJ DIV VAL I (NFJEX)
05/08/2000
Stock Investments Large Cap 0.71% No additional fees apply.
MAINSTAY LG CAP GR I (MLAIX)
07/03/1995
Stock Investments Large Cap 0.74% No additional fees apply.
VANG... 阅读全帖 |
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m****e
发帖数: 84 | 15 想先这样搭配，行吗？
1、80% bond + 10% Vanguard 500 Index Fund + 10% DFA Real Estate Securities
Port Inst
2、Vanguard Target Retire 2035 Fnd Inv ----100%
哪种选择更好？多谢指点， 一点儿经验都没有。 |
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T***N
发帖数: 1835 | 16 Name Gross Expense Ratio
ABF LG CAP VAL INST (AADEX) 0.59%
AF FUNDMNTL INV R6 (RFNGX) 0.31%
AF GRTH FUND AMER R6 (RGAGX) 0.33%
FID CONTRAFUND (FCNTX) 0.71%
VANGUARD INST INDEX (VINIX) 0.04%
GS GROWTH OPPS INST (GGOIX) 1%
MFS MID CAP VALUE R3 (MVCHX) 1.19%
VANG EXT MKT IDX ADM (VEXAX) 0.09%
DFA US TARGET VALUE (DFFVX) 0.37%
HARTFORD SMALL CO Y (HSCYX) 0.86%
NB GENESIS - INST CL (NBGIX) 0.85%
AF EUROPAC GROWTH R6 (RERGX) 0.5%
MFS INTL NEW DISC R3 (MIDHX) 1.37%
V... 阅读全帖 |
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w******n
发帖数: 347 | 17 Schwab是不是这个？
SFENX
Total Assets
$ 391.9 mil
Expenses
0.49%
Fee Level
Low
Turnover
20%
Status
Open
Min. Inv.
$ 100
points
Emerging |
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w***n
发帖数: 1519 | 18 I would swap the SC fund with "FIDELITY INTERNATIONAL IND INV" to gain
geographical diversification.
If you have to slice & dice, focus on small cap value rather than small cap
blend/growth (where there are a bunch of lottery-type stocks). |
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p**i
发帖数: 163 | 19 小白。
长期看好股票， 如果想投75%的stock是选”LargeCap S&P 500 Index Separate
Account“吗？
还有25%买什么比较好？
Morley Capital Management
Principal Stable Value Sig Fund
$0.00
0.00%
%
Fixed Income BlackRock Financial Mgmt, Inc.
Inflation Protection Separate Account
$0.00
0.00%
%
Fixed Income Mellon Capital Mgmt
Bond Market Index Separate Account
$0.00
0.00%
%
Fixed Income Principal Global Investors
High Yield Separate Account
$0.00
0.00%
%
Fixed Income Principal Global Investors
Income Separate ... 阅读全帖 |
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g*******y
发帖数: 1930 | 20 推广一下，把matrix变为数组
index = i*N+j
rotate某一行，证明inversion数的改变是偶数，这个很trival
rotate某一列，证明数组中inversion数的改变是偶数，就稍微复杂一些，但是仍然可
以证明同样的结论
关键就在于意识到，在某个局部，一段子数组A紧跟着子数组B，只考率cross A,B的
inversion的话，如果A，B至少有一个个数为偶数，那么：
inv + noninv = even number成立
并且，交换A,B后，所有原来的inversion变成非inversion，vice versa
这样，inversion数目的改变量，始终为偶数
matrix. |
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G**7
发帖数: 391 | 21 As VP said, start low. Maybe, after they see your performance, they will
raise it.
Just finished watching 'Yi-Jing'. Learned a lot from it. I recommend you
watching the 15th. Here is the website. I think you might be able to know
what to do after finishing the video.
http://bbs.wenxuecity.com/inv-invest/347766.html |
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d*j
发帖数: 13780 | 22 招人的那个最看重统计和C++ 其他的就是锦上添花了。 他们那个组也不需要多少IT的
所以做好了以后 应该可以多做些business的东西。
Please see the attachment for the job description. Please email to cmijob1@g
mail.com if anyone would be interested
12040399 - BP&A Sr. Analyst
Description:
Applies proven analytical and problem-solving skills to help validate IT pro
cesses through careful testing. Ensure the testing activities allow applicat
ions to meet business requirements and system goals, fulfill end-user requir
ements, and identify existing or potentia... 阅读全帖 |
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s********s
发帖数: 51 | 24 Purpose of Position / Job Summary:
The Senior Application Developer designs, develops, implements, and
maintains major package and custom financial and supply chain applications.
The individual will be part of the Production Support team working with
business solution analysts on maintaining and enhancing the current
operational systems and providing production support activities as needed.
The individual will work extensively with all aspects of the Oracle
development environment and employ var... 阅读全帖 |
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s********s
发帖数: 51 | 25 Purpose of Position / Job Summary:
The Senior Application Developer designs, develops, implements, and
maintains major package and custom financial and supply chain applications.
The individual will be part of the Production Support team working with
business solution analysts on maintaining and enhancing the current
operational systems and providing production support activities as needed.
The individual will work extensively with all aspects of the Oracle
development environment and employ var... 阅读全帖 |
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h****g
发帖数: 11 | 30 Venture Capital Summer Analyst – Beijing
Atlas Venture is seeking an analyst to support the investment activities of
Atlas in China. This position is a summer opportunity based in Beijing,
China. Outperforming intern will qualify for full-time Investment Analyst
position in FY 2008.
Responsibilities:
- Research - Perform primary and secondary research; evaluating industries
in firm's investment focus areas to define key sectors, current investment/
competitive landscape and potential market/inve |
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m****s
发帖数: 18160 | 31 【 以下文字转载自 JobHunting 讨论区 】
发信人: daj (肉丝炒饭--小吵肉fan), 信区: JobHunting
标 题: NYC downtowm 美国 IB 一个职位
发信站: BBS 未名空间站 (Sun Oct 28 19:26:49 2012, 美东)
招人的那个最看重统计和C++ 其他的就是锦上添花了。 他们那个组也不需要多少IT的
所以做好了以后 应该可以多做些business的东西。
Please see the attachment for the job description. Please email to cmijob1@g
mail.com if anyone would be interested
12040399 - BP&A Sr. Analyst
Description:
Applies proven analytical and problem-solving skills to help validate IT pro
cesses through careful testing. Ensure the testing a... 阅读全帖 |
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发帖数: 1 | 32 重磅来袭！全球顶级投资银行营运中心2016校园招聘
公司行业：金融/投资
某外资金融集团为全球规模最大的银行及金融机构之一，也是全球金融领域最有价值的
品牌。集团总部位于伦敦，在欧洲、亚太地区、美洲、中东及非洲76个国家和地区拥有
9500家附属机构。
旗下环球营运中心（Global Service Center）为更好的服务环球银行与资本市场（
Global Banking & Market）业务，现向全球招募优秀应届毕业生/实习生。
工作地点：广州或佛山
岗位：高级基金专员/高级基金会计/合规品质保证营运副经理……一大波岗位来袭
岗位要求：
本科以上学历，海外留学生或211、985院校优秀应届生；
英语口语熟练，需接受全英文面试；
金融、经管类、法学类或英文专业学生优先考虑；
2年以下工作经验的金融行业从业往届生亦可考虑；
8小时工作制。因服务全球客户，需能接受轮班制，最晚下班时间为凌晨1点；
外地学生可通过电话或视频面试；
薪资和职级：
招募集团内部 Band 8 – Band 7岗位不等；视面试情况及最终录取岗位而定；
五险一金、定期体检、补充医疗保险、专业培训、出国机会、年终... 阅读全帖 |
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发帖数: 1 | 33 全球顶级投资银行营运中心2016校园招聘 (广州)
某外资金融集团为全球规模最大的银行及金融机构之一。总部位于伦敦，在76个国家和
地区拥有9500家附属机构。旗下环球营运中心（Global Service Center）为更好的服
务环球银行与资本市场（Global Banking & Market）业务，现向全球招募优秀应届毕
业生/实习生。
工作地点：广州或佛山
岗位：高级基金专员/高级基金会计/合规品质保证营运副经理……一大波岗位来袭
岗位要求：
本科以上学历，海外留学生或211、985院校优秀应届生；英语口语熟练，需接受全英文
面试；金融、经管类、法学类或英文专业学生优先考虑；
2年以下工作经验的金融行业从业往届生亦可考虑；8小时工作制。因服务全球客户，需
能接受轮班制，最晚下班时间为凌晨1点；
外地学生可通过电话或视频面试.
薪资和职级：
招募集团内部 Band 8 – Band 7岗位；年薪60,000-200,000元；五险一金、专业培训
、出国机会、年终奖金；
发展空间：
投资银行领域，专业培训；大量晋升机会和内部申请；外资薪酬福利.
申请的同学请将英语简历发至Ema... 阅读全帖 |
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i********g
发帖数: 90 | 34 One point has been cited by many was: You will have the pressure to buy a
house soon, but not for stock. Is this true? Or at least is this a wise move?
In long term stock market return beats house price appreciation by 3-5%
annualized. If you invest your monthly mortage payment in stock market, aren't
you better off 30 years later? Moreover, the interest portion of the mortage
payment is actually thrown into water (well, 66% if you consider tax
deduction), adding taxes and maintainance, the inv |
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E*******r
发帖数: 2710 | 36 条款上关于minimum deposit requirement:
"$1000 per account, waived if you open a linked Schwab Bank High Yield Inves
tor Checking, open a Schwab Invest First Visa Signature Credit Card, or..."
请问这个Inverstor Checking和Credit Card之间是不是or的关系，有CC就可以waive了
吗？
谢谢 |
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E*******r
发帖数: 2710 | 38 thank you ~
yes, yes
Inves |
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g*****i
发帖数: 4457 | 40 大家申卡后会有不少xdjm为其消费要求发愁 目前我所知的无非serve 信用卡 load
money 250每月但是六月份开始cc load 收费, clover 200 https://www.clover.com/a?inv&t=1xurh81tewmcr（cc lifetime 200可以用于visa amex等gc的转现 好处在于开通拿$6 refer一个人$5 up to 5 refer，ach 每月最多2000）， amazon payment
1000 每月with both cc and checking acct，如果用discover卡，有个money
messenger，每月send money to paypay，limit ymmy，我的是500， 这些相信大家都
不陌生，然后就是venmo（以下为个人捡得认为知道即可的东西 user agreement有详细
介绍 可google 读之）
1.什么是venmo
简单讲venmo就是个跟serve类似的 朋友间一起吃饭摊钱赚钱等的一个便携软件，可用
于iphone 跟 android，分个人账户business... 阅读全帖 |
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D*****E
发帖数: 9352 | 41 过一阵子账户是否还完好，麻烦楼主也能更新一下。
/a?inv&t=1mnqjy2are2r6（几乎可以忽略不计的
payment |
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m***9
发帖数: 1671 | 42 请问可以用venmo付utility么？我们的utility不接受信用卡支付，只能从checking账
户pay，不知道用venmo可不可以变通
/a?inv&t=1mnqjy2are2r6（几乎可以忽略不计的
payment |
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B*********a
发帖数: 669 | 43 如果对方没有smartphone
可以一方手机一方电脑吗？
/a?inv&t=1mnqjy2are2r6（几乎可以忽略不计的
payment |
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B*********a
发帖数: 669 | 44 赞大叔总结~
/a?inv&t=1mnqjy2are2r6（几乎可以忽略不计的
payment |
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f**s
发帖数: 185 | 45
/a?inv&t=1mnqjy2are2r6（几乎可以忽略不计的
payment |
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g*****i
发帖数: 4457 | 46 大家申卡后会有不少xdjm为其消费要求发愁 目前我所知的无非
a. serve 信用卡 load
money 250每月但是六月份开始cc load 收费
b. clover 200 https://www.clover.com/a?inv&t=1xurh81tewmcr（cc lifetime 200可以用于visa amex等gc的转现 好处在于开通拿$6 refer一个人$5 up to 5 refer，ach 每月最多2000）
c. amazon payment：https://payments.amazon.com/sdui/sdui/index.htm
1000 每月with both cc and checking acct
d. 如果用discover卡，有个money
messenger，每月send money to paypay，limit ymmy，我的是500
以上这些相信大家都不陌生，然后就是venmo（以下为个人捡得认为知道即可的东西 user agreement有详细
介绍 可google 读之）
1.什么是venmo
简单讲venmo就是个跟serv... 阅读全帖 |
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D*****E
发帖数: 9352 | 47 过一阵子账户是否还完好，麻烦楼主也能更新一下。
/a?inv&t=1mnqjy2are2r6（几乎可以忽略不计的
payment |
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m***9
发帖数: 1671 | 48 请问可以用venmo付utility么？我们的utility不接受信用卡支付，只能从checking账
户pay，不知道用venmo可不可以变通
/a?inv&t=1mnqjy2are2r6（几乎可以忽略不计的
payment |
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B*********a
发帖数: 669 | 49 如果对方没有smartphone
可以一方手机一方电脑吗？
/a?inv&t=1mnqjy2are2r6（几乎可以忽略不计的
payment |
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B*********a
发帖数: 669 | 50 赞大叔总结~
/a?inv&t=1mnqjy2are2r6（几乎可以忽略不计的
payment |
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