d*****r
发帖数: 273 | 1 I think the formula should be
((1 + X)(1-Y))^Z - 1.0
because the fee is charged based on the total amount invested, (1+X)^Z gives the total amount.
Sample 1: X=5%, Y=2%, Z=30 years
return without fee = 332%, return with fee = 136%.
Cost of fee = 59% of your total return.
Sample 2: X=8% Y=1%, Z=30 Years
return without fee = 1006%, return with fee = 644%.
Cost of fee = 36% of your total return.
No matter which formula to use, we come to the same conclusion: small annual fee may cost big for your i... 阅读全帖 |
|
d*****r
发帖数: 273 | 2 How much fees do they charge? My HSA account charges a monthly investment
fee, besides fees charged by the mutual fund. Besides, I do not have too
much money in HSA. So I did not invest in any fund. I just leave it in cash
account. |
|
C****n
发帖数: 2324 | 3 I am bullish on China stock market now, so I want to invest in China A share
market. Somebody mentioned CAF in this board.
I have no clue what it is, and I found I can trade it directly from inside
my Ameritrade account.
I have a couple questions:
1. Is it true that I can just buy/sell CAF like I do with a normal stock?
2. Is it true that CAF is just a fund composed by a couple Chinese stocks,
managed by Morgan Stanley fund manager?
3. Is it true that my US$ will be converted to RMB first to tra... 阅读全帖 |
|
m**********r
发帖数: 887 | 4 My 2 cents: The market is the sum of all investors' behavior, people buying
means there must be other people selling. They both have good reasons to do
that but they can not be right at the same time.
I started my investment in 2007 and now I really buy into the idea of
permanent portfolio. My personal opinion about investment is passive + low
cost + diversify + buy low sell high + rebalance |
|
K****D
发帖数: 30533 | 5 【 以下文字转载自 Notice 讨论区 】
发信人: deliver (自动发信系统), 信区:
标 题: KennyD 封 tonyblue123 在 Investment 版
发信站: BBS 未名空间站自动发信系统 (Fri Jul 22 16:13:39 2011)
【此篇文章是由自动发信系统所张贴】
由于 tonyblue123 在 Investment 版的 referral 行为，
被暂时取消在本版的发文权力 3 天。
备注:
referral is not allowed on this board
版主:KennyD
Fri Jul 22 16:13:39 2011 |
|
K****D
发帖数: 30533 | 6 【 以下文字转载自 Notice 讨论区 】
发信人: deliver (自动发信系统), 信区:
标 题: KennyD 封 zdchen 在 Investment 版
发信站: BBS 未名空间站自动发信系统 (Wed Nov 23 11:54:46 2011)
【此篇文章是由自动发信系统所张贴】
由于 zdchen 在 Investment 版的 人身攻击 行为，
被暂时取消在本版的发文权力 2 天。
版主:KennyD
Wed Nov 23 11:54:36 2011 |
|
s********n
发帖数: 1962 | 7 【 以下文字转载自 Notice 讨论区 】
发信人: deliver (自动发信系统), 信区:
标 题: stockdemon 封 oilguy 在 Investment 版
发信站: BBS 未名空间站自动发信系统 (Tue Jan 17 10:03:52 2012)
【此篇文章是由自动发信系统所张贴】
由于 oilguy 在 Investment 版的 重复发贴，干扰版面 行为，
被暂时取消在本版的发文权力 3 天。
版主:stockdemon
Tue Jan 17 10:03:51 2012 |
|
a****a
发帖数: 208 | 8 I'm thinking to re-invest my Roth IRA at Vanguard, and I'm interested in the
Retirement Target 2040 Fund with asset allocation of domestic stock index
63%, international stock index 27%, and bond index 10%. Instead of buying
Target 2040 and paying 0.19% fees and expenses, can I just buy those 3 index
funds myself and allocate them according to the 2040 fund ratio myself? The
fees and expenses will be lower (0.07-0.16%). Is it a good idea for long-
term investment? Thanks. |
|
w****n
发帖数: 1737 | 9 【 以下文字转载自 Notice 讨论区 】
发信人: deliver (自动发信系统), 信区:
标 题: warren 封 spanishfly 在 Investment 版
发信站: BBS 未名空间站自动发信系统 (Fri Sep 14 22:01:42 2012)
【此篇文章是由自动发信系统所张贴】
由于 spanishfly 在 Investment 版的 言语粗俗 行为，
被暂时取消在本版的发文权力 5 天。
备注:语言粗俗
版主:warren
Fri Sep 14 22:00:40 2012 |
|
k*******p
发帖数: 39 | 10 When you investment a house for renting, how do you typically calculate if
the investment is worth or not? Annual return like 10% of the house price
after all tax, HOA, insurance? Please share! |
|
G****1
发帖数: 71 | 11 I just started my career as an AP last August (I am thus in a collegetown).
Per my RE agent's advice, I purchased two houses last year (one is 4bdrm SFH
that was closed last September and the other 10-unit house for renting was
closed last November). Today my agent told me that the market values of the
two houses I purchased have increased more than 12%, which surprises me. The
agent urges me to buy more for investment. I am not sure if it's a good
idea to invest at this moment given the house p... 阅读全帖 |
|
s********n
发帖数: 1962 | 12 【 以下文字转载自 Notice 讨论区 】
发信人: deliver (自动发信系统), 信区:
标 题: stockdemon 封 Seashores 在 Investment 版
发信站: BBS 未名空间站自动发信系统 (Tue Apr 30 10:04:28 2013)
【此篇文章是由自动发信系统所张贴】
由于 Seashores 在 Investment 版的 广告 行为，
被暂时取消在本版的发文权力 14 天。
版主:stockdemon
Tue Apr 30 10:04:28 2013 |
|
s********n
发帖数: 1962 | 13 【 以下文字转载自 Notice 讨论区 】
发信人: deliver (自动发信系统), 信区:
标 题: stockdemon 封 Demf 在 Investment 版
发信站: BBS 未名空间站自动发信系统 (Wed May 15 11:35:53 2013)
【此篇文章是由自动发信系统所张贴】
由于 Demf 在 Investment 版的 无理取闹 行为，
被暂时取消在本版的发文权力 2 天。
版主:stockdemon
Wed May 15 11:35:53 2013 |
|
M********r
发帖数: 278 | 14 Key to index investing is not index per se. Index investors normally have a
diversified and balnced portfolio with a basket of indexes that cover
equities and bonds, domestic and foreign. some may even include real estate
and commodities. Risk adjusted returned is then determined by the
composition of the portfolio. Yes, at times some index in the portfolio may
be overvalued, but the risk associated with these overvalued assets are
mitigated by other non-correlated assets. As a passive investor,... 阅读全帖 |
|
c****6
发帖数: 758 | 15 hello all,
sorry I can't type in Chinese now.
I have a few friends who want to invest in EB5 projects and get green card.
Anybody have any good attorney or investment projects to recommend??
If you or someone you know have gone through this process, please let me
know as well. I am looking for good resources and insights.
You can post it here to inbox me.
Appreciate the help. Enjoy FIFA 2014 games!! |
|
S**C
发帖数: 2964 | 16 For most people, what he think he will/should do under hypothetic pressure,
and what he will do under real pressure, could be totally different; and,
most likely, tend to be (far) less risk tolerant than what he thinks he is
when push comes to shove.
For people whose investment history include 2008, check what you did and
gauge your risk tolerance accordingly; for people invested after big
drawdown, it may not be a bad idea to tune down your risk tolerance because
chances are, you are not as ris... 阅读全帖 |
|
S**C
发帖数: 2964 | 17 For most people, what he think he will/should do under hypothetic pressure,
and what he will do under real pressure, could be totally different; and,
most likely, tend to be (far) less risk tolerant than what he thinks he is
when push comes to shove.
For people whose investment history include 2008, check what you did and
gauge your risk tolerance accordingly; for people invested after big
drawdown, it may not be a bad idea to tune down your risk tolerance because
chances are, you are not as ris... 阅读全帖 |
|
v***r
发帖数: 41 | 18 we are a top notched investment banking firm focusing on the greater China
market.Due to continued expansion in this area, we are now hiring candidates
at associate and analyst level. A minimum of 1 year of investment banking
expereince is required for these roles. descired skills include solid
financial modelling skills along with robust financial and accounting
knowledge, great work ethicness,and excellent oral and written English
communication skills.
No 2011 graduates at this time. Only nat... 阅读全帖 |
|
s******f
发帖数: 678 | 19 【 以下文字转载自 NewJersey 讨论区 】
发信人: simonlhf (simon), 信区: NewJersey
标 题: 招聘信息 - IT Support in Investment Bank (工作地点：Jersey City)
发信站: BBS 未名空间站 (Wed Jul 3 17:59:39 2013, 美东)
因为有人辞职，公司有空缺，需要一个有经验的IT Prouction Support specialist,
to support credit risk management systems in a global investment bank.
要求：懂得production support工作流程，对traded credit risk management有一定
的认识，技术方面需要懂Unix / Oracle / Sybase / Java etc. 之前有相关工作经验
的优先考虑。
这是一个perm的职位。
工作地点是 Jersey City.
有兴趣的朋友可以站内私信我。 |
|
s******f
发帖数: 678 | 20 以下信息依然有效，但是工作地点改在了Buffalo，NY。
有兴趣的朋友请和我联系。
【 以下文字转载自 NewJersey 讨论区 】
发信人: simonlhf (simon), 信区: NewJersey
标 题: 招聘信息 - IT Support in Investment Bank (工作地点：Jersey City)
发信站: BBS 未名空间站 (Wed Jul 3 17:59:39 2013, 美东)
因为有人辞职，公司有空缺，需要一个有经验的IT Prouction Support specialist,
to support credit risk management systems in a global investment bank.
要求：懂得production support工作流程，对traded credit risk management有一定
的认识，技术方面需要懂Unix / Oracle / Sybase / Java etc. 之前有相关工作经验
的优先考虑。
这是一个perm的职位。
工作地点是 Jersey City.
有兴趣的... 阅读全帖 |
|
h*****0
发帖数: 23 | 21 You are welcome to take a look at this investment risk management
opportunity. Candidates with financial engineering background and some
investment experience will be great for this role. If you are interested,
please apply online directly and our HR recruiter will send your
information
to me after initial screen.
Thanks,
https://www.massmutual.com/about-us/careers/jobposting?p=job%2Fou8y5fwZ |
|
s******f
发帖数: 678 | 22 【 以下文字转载自 NewJersey 讨论区 】
发信人: simonlhf (simon), 信区: NewJersey
标 题: 招聘信息 - IT Support in Investment Bank (工作地点：Jersey City)
发信站: BBS 未名空间站 (Wed Jul 3 17:59:39 2013, 美东)
因为有人辞职，公司有空缺，需要一个有经验的IT Prouction Support specialist,
to support credit risk management systems in a global investment bank.
要求：懂得production support工作流程，对traded credit risk management有一定
的认识，技术方面需要懂Unix / Oracle / Sybase / Java etc. 之前有相关工作经验
的优先考虑。
这是一个perm的职位。
工作地点是 Jersey City.
有兴趣的朋友可以站内私信我。 |
|
f******k
发帖数: 434 | 23 我下个月要办到别的州去工作，已经在那个州买好了房子。
现在的房子还在市场上for sale，卖不掉。没办法，9月1号打算出租。
我现在的房子贷款是15年fixed， 5.125%, monthly payment: $1700, 准备用5年ARM
refinance，降低monthly payment。
大多数brokers说只能够作investment property来refinance，所以rate比较高。有个
中国broker说，可以做secondary home。我可以说，这里我还有朋友，我留下这个房子
作vacation home，时不时回来度假。至于贷到款以后出租，谁也管不着。我继续追问
这样是否合法，查到了有什么后果。他说他只能够说得点到为止，贷款批下来以后，很
少会追查你到底是不是investment property。
我好害怕，过来人说说，如果查起来，到底有什么后果？ |
|
K****n
发帖数: 2485 | 24 昨晚跟一个朋友聊天，突然听到一个新概念Investment tax，言之凿凿说米国规定只要
某人名下有第二套房子，就要交investment tax，还说这是米国政府为了削减投资炒房
热情所设。让俺这土人大感讶异，因为俺关注房地产俩仨月来居然从没听说这么一个税
种，至少加州没听说过。周围也有些朋友有2套以上房子，都没说需要交这个税，放狗
搜索也没查到。俺被弄糊涂了，来向大家请教，谢谢！ |
|
K****n
发帖数: 2485 | 25 具体说是啥税不一样？property tax要多收一些？
一方面没听说同一地区不同用途房屋在房产税上有区别对待，另一方面也没听过
investment tax这个税种，google上查不到与房地产有关的investment tax |
|
s*******t
发帖数: 7746 | 26 要买一investment property， broker说investment property 做不了no cost的，要4
.5k左右的closing cost，不建议以后refinance。那现在是不是值得买point，拿更低
的rate呢？ |
|
k******o
发帖数: 3328 | 27 Yes, you have to pay management fee even this is no-loading free trading ETF/Mutual Fund. The upside is you don't need to worry about tenants and maintenance.
Just friendly reminder, if you want to invest in REIT (Real Estate
Investment Trust) fund, due to passing through nature, it is better to put it in the tax shelter account (i.e. Roth IRA, 401K) to save income tax. |
|
b*d
发帖数: 9308 | 28 因为refinance和buy investment都会影响你的total liability，所以银行需要知道你
做完refi,买完investment最后的总债务是多少。 |
|
c***n
发帖数: 921 | 29 是不是只要是买2nd house 就算是investment property？申请单款利率要受影响？
比如我已经买了一个房子，现在LG搬到另一个城市，他打算买一个房子自住，这算
primaray home么？最终我们肯定要把现有的房子卖了，全家都搬到LG的城市。但是在
第一个房子没卖之前，买第2个房子申请贷款利率能拿到最低的么（和investment
property 比）？ |
|
w********9
发帖数: 461 | 30 我的agent给我的合同里有这么一条：foreign investment tax act - FIRPTA
disclosure
具体就是说：
seller is hereby notified to consult with his/her own closing attorney and
tax professional concerning the applicability of the foreign investment tax
act - FIRPTA which may require tax withhoulding to be collected from the
seller at the closing of any sales of property. examples of this may include
the following:
non united states citizen
non resident alien
foreign corporation, partnetship, trust, or estate
it is seller's ... 阅读全帖 |
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k**l
发帖数: 2966 | 31 Reading the discussion, looks like there could be some ppl good on
investment on the board. I did some research and found it's not easy.
1. Stock--S&P500, pretty good on last 2 years---but really depends on the
timing of purchase. If look back 5 years, <2%. So it's risky. I get a little
saving there but dare not put too much.
2. China--invest on some trustworthy Funds. Exchange to RMB and back is
really troublesome (costly and many limitations). Is there a smarter way to
do this? |
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r**m
发帖数: 1825 | 32 I am always looking for better and safe (if not guaranteed) investment
strategies. Below are personally tested strategies that work for me. If you
know of a similar or better strategy, feel free to let me know!
Short-Term Investment Strategies (less than 6 months)
The definition of short-term is immediate fund availability. This invariably
means money in high interest rate checking or savings accounts. You should
have just enough money to cover daily expenses up to a month out in advance
plus a |
|
b****b
发帖数: 199 | 33 The most important thing to buy stock is the timing. When you graduate, say
1-2 years from now, another surge of bear market may come. I think it's not a
bad time now. You don't have to choose individual stock to buy. You can just
buy good and free mutual funds. Over long run, stock market outperform any
type of investment (bonds, CD, and even house). So it's not bad to start your
investment now just opening a Scottrade account. You can learn the ABCs of
mutual funds by checking http://financ |
|
p*******y
发帖数: 944 | 34 Attached as I received in email. Can anyone tell me if it is worthy a try? A
fterall, I think we need to have some experience beyond regular saving and c
hecking:
==========================================
Can you invest and get the same great service you get with Electric Orange?
You bet. Just plug-in ShareBuilder from ING DIRECT. Get started today at www
.sharebuilder.com/em/50SPRING
Start investing with ShareBuilder:
nbsp; No account minimum
nbsp; Choose from stocks, mutual funds & |
|
s********r
发帖数: 923 | 35 今天（2010/09/09）我读了这个卡Fidelity 2% Investment Reward AMEX 的说明书，
我的理解是这个卡的cashback只能打到你的fidelity brokerage 账号里。可是看见各
位大老们都说可以直接索取支票（对我来说等同于现金）。难道另有玄机？在他的在线
工具里允许你直接索取支票？
望不吝赐教。
Earn More§
Earn 2% back for every purchase, right into any of your eligible Fidelity
accounts.
Earn 2 points for every dollar in net retail purchases charged to the Card.
Invest More§
For every $2,500 in purchases you make, $50 can be automatically deposited
into your eligible Fidelity account.
You can also enjoy the flexibil |
|
k***e
发帖数: 7933 | 36 我误解你了。
fidelity网站上fide amex有3个卡，
Fidelity Investment Rewards American Express Card
Fidelity Retirement Rewards American Express Card
Fidelity Investments 529 College Rewards American Express Card
你说的国内no fee的是哪个一个？ |
|
y*******d
发帖数: 1674 | 37 mint给发的
With Motif Investing, you can turn your savings into investments that relate
to real-world themes ranging from Biotech Breakthroughs to Tablet Takeover.
Buy a fully customizable portfolio of up to 30 stocks for just $9.95 total
commission. Plus, get up to $150 cash bonus when you start trading.
值得跳么？还有更好的么？ |
|
d*****r
发帖数: 3762 | 38 FIA: Fidelity Investment Reward American Express Card
TR: Travel Reward (Band of American World Points reward program)
FIV: Fidelity Investment Reward Visa Signature Card |
|
d*****r
发帖数: 3762 | 39 FIA: Fidelity Investment Reward American Express Card
TR: Travel Reward (Band of American World Points reward program)
FIV: Fidelity Investment Reward Visa Signature Card |
|
a*****g
发帖数: 19398 | 40 实在。
我给美国这些高中(ＩＬ州排行前三）的学生讲围棋课的时候就用关键字 investment
每一步都是一次 investment，利用现在局面的每个棋子，为将来筹备
学会理解和控制棋局的各种风险，比如棋子被吃，被攻击等等
学会在不同风险下的决策，比如跑不掉了就要弃子
围棋里面的实地和厚势就是投资中的现金和股票的关系 |
|
|
m*********a
发帖数: 3299 | 42 With the financial reform, major profits generating activities are
restricted in those big investment firms. Smart people will quit from those
dead firms and form new trading companies and hedge funds without government
restriction. At the meantime, taking clients with them to new forms. Future
profitability of those big investment banks are highly doubtful. Without
talents, IBs are worthless. |
|
G*******m
发帖数: 16326 | 43 It's going to be difficult in investing in water directly.
This is because the water company may fail to find and produce water.
Think what will be the consequence if water becomes a huge problem, then
invest in that area. |
|
r*m
发帖数: 16380 | 44 gold is not an investment, let alone a good investment. |
|
c**i
发帖数: 6973 | 45 徐秀雰, 白银暴跌，民间炒银热情依旧(2). 今日早报 (浙江日报报业集团所属), May
4, 2011.
http://www.chinanews.com/fortune
/2011/05-04/3015453_2.shtml
Quote:
2011年 "5月1日，[货币战争》的作者] 宋鸿兵又在博客中表示，白银比黄金更稀缺，
作为投资，购买白银比购买黄金更划算。'在人类5000年的历史上，金银的比价始终维
持在1∶16左右，现代科学发现，地壳里的黄金和白银储量的比例大约是1∶17。从存量
上看，世界黄金的藏量从1940年的大约3万吨增加到现在的大约15万吨，70年中大约增
加了5倍。与此同时，白银的存量则从30万吨下降到大约3万吨，减少了90%。从绝对数
量上看，目前白银的存量只有黄金存量的1/5。这就意味着，白银比黄金更为稀缺'")
"'美国地质调查局的调查表明，白银将是人类历史上第一种被开采殆尽的金属，时间大
约只有12.3年。' 宋鸿兵说，目前全世界市场上能够买到的白银存量大约是7亿盎司，
按现在每盎司48美元的价格计算，总价值不过336亿美元。这样一个极具诱惑力而且非
常... 阅读全帖 |
|
d*******r
发帖数: 141 | 46 借人气问一下，
想开一个Merrill Edge self-directed investing 账户，以便于同时管理Checking和
投资账户；不想账户之间转来转去的。 而且它能提供免费30次交易（如果账户里有$
25,000的话），有点让我心动了。我是小散户，平时交易较少，能省点交易费也就省点
了。
１.我在网上开户的时候，被询问是否公民或者是否有绿卡。我两个都没有，能否填公
民选项；这会有什么影响呀？
2. 除此之外Merrill Edge self-directed investing账户，有什么其他优势？
谢谢！ |
|
l**********o
发帖数: 1573 | 47 As for Berkshire, Buffett said most companies continue on a slow pace of
improvement. Buffett, asked if he was satisfied with Berkshire's investment
in Procter & Gamble Co. (PG), was more coy, saying that the company has had
some pricing issues but then adding that Berkshire remains a long-term
holder of the stock. Asked if he might consider selling the stock, Buffett
said it was "weaselly" of him, but he would only be willing to reiterate
that he is a long-term holder. Buffett was critical of h... 阅读全帖 |
|
Y****g
发帖数: 662 | 48 Very basic skills about investing
1) If you choose to catch a falling knife, you should have the endurance to
suffer the pain for long-term.
2) If you choose to create fear for the shorts, then you need to do it quick
a) get out as fast as you can if you fail;
b) hold no more than three days if you win for the second class-stocks or
lower;
c) You can hold at least half positions if you win for super stocks
3) If you are begging for good news or for somebody to bail you out, you are
most likely g... 阅读全帖 |
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k********8
发帖数: 7948 | 49 Rising dollar marks big investment shift
By George Magnus
Industrial commodities and EM currencies will be under pressure
Investors have come to regard a weak US dollar as an essential part of the
low real rate, high capital flow backdrop for about a decade, but things are
starting to change.
The US dollar has had a spring in its step this year, with the dollar index,
a weighted composite of the dollar’s strength versus its trading partners,
rising almost 4 per cent. This is likely to be the “am... 阅读全帖 |
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E**********r
发帖数: 2743 | 50 http://www.marketwatch.com/story/how-to-invest-in-marijuana-201
文章中提到的几个有关大麻（marijuana）的picks：
TRTC, MDBX, CBIS, MJNA, GWPRF, 请大家不惜补充更多的pick！谢谢大家！
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发信人: trader01117 (等待中), 信区: Stock
标 题: Re: 小帐户
发信站: BBS 未名空间站 (Wed Jan 8 21:36:12 2014, 美东)
大麻股这波很疯，也搞了一些FITX,SKTO,ERBB.
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发信人: nanio (nanio), 信区: Stock
标 题: Re: 大麻picks，How to invest in legalized marijuana
发信站: BBS 未名空间站 (Wed Jan 8 22:45:39 2014, 美东)
GRNH
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From ro... 阅读全帖 |
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