j******m
发帖数: 92 | 1 I went to the morningstar website to learn what to buy and how to buy bonds.
It says "Bonds are more stable than stocks but riskier than money market
accounts. They are not great for making your money grow rapidly, but they
can help to diversify your portfolio."
Some people call buying bonds as patriotic activity. But under the current
market, it may be helpful. |
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e*****w
发帖数: 36 | 2 * 75% in Stock, 15% in Bond (= age -15), 10% in REIT
* Try to allocate 60% exposure to US and 40% to international
* Plan is designed for the next 10+ years with semi-annual re-balances.
* General idea is to use broad market index (80%) and then add exposure to
riskier subsector (20%).
US Stocks: 36% VTI (total market) , 9% VOO (top 500)
Intl Stocks: 24% VXUS (total international), 6% VWO (emerging market)
Bond: 12% BND (total bond), 3% VWEHX (high yield bond)
REIT: 6% VNQ (U... 阅读全帖 |
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T**y
发帖数: 1024 | 3 How about for last 13 months, each month gives you 20%?
Which one is riskier?
Where is the risk come from? Does it come from the high return? |
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T**y
发帖数: 1024 | 4 How about for last 13 months, each month gives you 20% return?
Which one is riskier?
Where is the risk come from? Does it come from the high return? |
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y****i
发帖数: 778 | 5 No, but I think the bankruptcy possibility is very low for shorterm because
amazon will charge state tax at most states. The biggest risk is the stock
buy back plan which will cost large cash flow, but S&P already downgrade it
to BB from BBB- because of this uncertainty. The long term 2021 BBY bond
offer up to 9% yield but riskier than this short term bond as a high yield,
so I skip that one even the return may be higher. |
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w***n
发帖数: 1519 | 6 or i-bond, which has currently a rate of 1.5% or something and varies
semiannually according to cpi inflation rate.
but maybe it's not worthwhile. the zero-interest environment makes it
difficult not to invest on riskier assets. you're essentially lock in a loss
due to inflation that doesn't get included in cpi. |
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m*******l
发帖数: 621 | 7 【 以下文字转载自 Stock 讨论区 】
发信人: maizegirl (叮当), 信区: Stock
标 题: 股市债市投资经验小结
发信站: BBS 未名空间站 (Sat Jul 13 11:49:58 2013, 美东)
广告：请大家顺便支持一下我们第一篇发表的文章
http://seekingalpha.com/article/1526532-a-chinese-perspective-o
1. 为什么要写这篇文章
从2012年5月 开始重新进入美国股市、债市，到现在刚刚满一年。一直想写一点自
己投资的心里历程。一来感谢我的投资启蒙老师（M老师），二来也提供一些经验教训
给和我一样在投资路程上摸索的新手。
2. 复利效应和股场初试
我们对投资重新开始感兴趣，主要是两个原因。一是因为M老师一直以来将他的投
资理念蕴含在和我们闲聊的过程中。现在回头想想，真是辜负和浪费了许多M老师的投
资机会。尤其是听M老师聊在2008年金融危机时的经历，让我们对投资有了一个全新的
认识。原来投资还是有可能“有章可循”。
第二个原因，是对复利效应和追求经济独立... 阅读全帖 |
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i**s
发帖数: 97 | 8 Another point to consider is, I am sure his account balance will be probably
half in 2008, compared to the number now. That is the risk of owning 100%
stock (and the funds he owns are generally riskier than total market);
thinking about if you have to retire and withdraw in 2008 - 2009 time. |
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P******0
发帖数: 9787 | 9 No riskier than a regular H1B. |
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a*********a
发帖数: 3656 | 10 let s make an attemp to quantify.
1. go to a start up, 5 year horizon. roughly say you have 90% prob to make
only the salary (say 100k) then loose your job and this could happen anytime
during that 5 years, so add another 10% discount to that. maybe 9% prob to
make 1M, 0.9% prob to make 10M, 0.1% prob to make 100M. but those high
payouts are likely to be in restricted company shares so I d put a 10%
discount on them.
so we have 0.9*100k*0.9*5+0.09*1000k*0.9+0.009*10000k*0.9+0.001*100000k*0.9
=40... 阅读全帖 |
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a*********a
发帖数: 3656 | 11 let s make an attemp to quantify.
1. go to a start up, 5 year horizon. roughly say you have 90% prob to make
only the salary (say 100k) then loose your job and this could happen anytime
during that 5 years, so add another 10% discount to that. maybe 9% prob to
make 1M, 0.9% prob to make 10M, 0.1% prob to make 100M. but those high
payouts are likely to be in restricted company shares so I d put a 10%
discount on them.
so we have 0.9*100k*0.9*5+0.09*1000k*0.9+0.009*10000k*0.9+0.001*100000k*0.9
=40... 阅读全帖 |
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j********x
发帖数: 2330 | 12 写的真好，无耻转载一下：
Because that's best for the business and its shareholders due to simple
math.
Gross profits at now + time t are current revenue * growth ^ t * gross
margin where gross margin is ((revenue - cost of goods sold) / revenue)
Generally it's much better for startups to devote resources to increasing
growth as the exponent base than reducing cost of goods sold which merely
multiplies the effects of the exponentation with a limit somewhere below a
100% gross margin.
Forbes estimated Dropb... 阅读全帖 |
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w********a
发帖数: 2381 | 13 不知道什么时间点
Snapchat planning for IPO
By Alanna Petroff @AlannaPetroff
snapchat worth 10 billion
Snapchat CEO Evan Spiegel said he's in the midst of planning for an initial
public offering.
Snapchat is planning for an IPO.
Evan Spiegel, the founder and CEO of the popular messaging service, revealed
Tuesday that his company is preparing for an initial public offering, but
wouldn't provide details on timing.
"We need to IPO. We have a plan to do that," he said during a talk at an
annual Re/code con... 阅读全帖 |
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A*****e
发帖数: 295 | 14 还有这篇文章，似乎说2014年之前是可以这么做的，之后似乎有问题了
我已经糊涂了，大家一起讨论下吧
http://startupimmigrationattorney.com/new-trends-in-transferrin
“ Filing for an H1b transfer before your initial October 1 start date used
to be a routine procedure, but if you are contemplating doing this in 2014,
you should be aware that this area of the law appears to be in a state of
confusion at USCIS, and filing a petition like this has become a riskier
move that you should discuss with an immigration attorney. ”
with |
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j*******0
发帖数: 347 | 15 Amy Hoak is a MarketWatch reporter based in Chicago.
As world events dominated the news in recent weeks, mortgage rates enjoyed a
reprieve from a climb that began late last year, keeping the 30-year fixed-
rate mortgage down below 5% at the start of what is traditionally the home
buying and selling season.
While multiple factors move mortgage rates and it's impossible to pinpoint
the exact reason why they're up or down, we do know this: The tsunami and
subsequent nuclear disaster in Japan likely... 阅读全帖 |
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f*****u
发帖数: 729 | 16 【 以下文字转载自 BayAreaHomeLoan 俱乐部 】
发信人: frankfu (Frank), 信区: BayAreaHomeLoan
标 题: Fed May Buy $300 Billion in Treasuries After QE2
发信站: BBS 未名空间站 (Mon Jun 27 20:11:47 2011, 美东)
The Federal Reserve will remain the biggest buyer of Treasuries, even after
the second round of quantitative easing ends this week, as the central bank
uses its $2.86 trillion balance sheet to keep interest rates low.
While the $600 billion purchase program, known as QE2, winds down, the Fed
said June 22 that it will contin... 阅读全帖 |
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b********2
发帖数: 5191 | 17 【 以下文字转载自 CaliforniaMortgage 俱乐部 】
发信人: blueangel2 (Feedback is power), 信区: CaliforniaMortgage
标 题: Interest Rates Jump to Highest Level in Three Months zz
发信站: BBS 未名空间站 (Wed Aug 15 19:03:37 2012, 美东)
Treasury yields moved to their highest level in three-months Wednesday, as
selling hit the bonds sought as the safest haven in a scary world just a
month ago.
Traders said improving U.S. economic data was behind the selling. But they
also pointed to a big seller overnight during the Asian session... 阅读全帖 |
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a*******e
发帖数: 3897 | 18 equifax给了个免费查分数的offer，刚去查了下，分数不高。后面最重要一项解释是，
您开卡过多（我就十来张卡，在creditkarma刚刚到C）。我抄上来大家看看。但是
creditkarma说卡越多越好，不到21张以上都拿不到A。这两家到底哪个说得有道理，大
家给评评。
Equifax:
You have too many open credit cards.Your credit report shows that you have a
high number of credit cards. People with a higher number of open credit
cards as compared to all credit accounts are considered riskier to lenders
because they have the potential to take on too much revolving debt by
carrying balances on each of these accounts. In general, ... 阅读全帖 |
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y****i
发帖数: 17878 | 19 that's a much more riskier way to do it |
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j****2
发帖数: 759 | 20 Somebody mentioned that Discover will increase your credit line limit before
closing your account. That may not be true based on the information from
their website:
Your credit limit may increase over time as you build a steady track record
of paying your bills each month. Make sure that you keep your total charges
well within your credit limit. Why? Your credit score may be affected if
your balance is above the credit limit because it signals to creditors that
you may be having financial diffic... 阅读全帖 |
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y****i
发帖数: 17878 | 21 just to state the obvious
1. GoBank (risky)
2. PP my cash (riskier)
3. MO (I would strongly caution against it unless you fully understand what
you are doing) |
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y****i
发帖数: 17878 | 22 just to state the obvious
1. GoBank (risky)
2. PP my cash (riskier)
3. MO (I would strongly caution against it unless you fully understand what
you are doing) |
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t*****0
发帖数: 156 | 23 Did anyone who had a traumatic vaginal delievery choose to have a c-section
for the second baby? I am very frustrated with the doctors and the medical
articles. Some say planned c-sections are as safe as vaginal delieveries.
Some say c-sections are riskier than vaginal deliveries.
Anyone in this board is as frustrated as I am for the same reason? Please
share! |
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s*********0
发帖数: 298 | 24 You can google to find an immigration lawyer specializing in EB5 immigration
. My understanding is that most lawyers would recommend regional centers
since they are set up for this purpose. Most projects in regional centers
are in the areas of real estates, construction, restaurants, or health care
because creating jobs in these areas is relatively easier and cheaper (for 1
million dollars investment). Since your relative is not in the US, it
creates more problem because the investor has to b... 阅读全帖 |
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W***n
发帖数: 11530 | 25 Buy ain't they more riskier than C? |
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i*******c
发帖数: 113 | 26 I never played this kind of stock. It is too cheaper and riskier. |
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c********r
发帖数: 128 | 27 Investment 101
Risky spectrum from low to high
Treasury -> CD -> Municipal Bond -> Corporation Bond -> Preferred Stock ->
Stock -> Option -> Double ETF -> Triple ETF -> Future
The investment advisers will tell you return will be higher for the riskier
means. But IT IS NOT TRUE. If you do not want to worry to lose your money,
you should not invest in any investment above preferred stock. If you love
the feeling of gambling rather than earning money, go to stock or above,
sooner and later, you wil |
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n******n
发帖数: 12088 | 28 fdic insured cd == treasury.
riskier
AND |
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r******o
发帖数: 1530 | 30 as economy is in a recover phase, money will pursue better/riskier
opportunities? |
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r******o
发帖数: 1530 | 31 DRYS at 4.5 is riskier,
if AAPL sinks, everybody sinks together...
You'd rather die with all of us. |
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w*******o
发帖数: 6125 | 32 If stocks up, TLT should go down,
since people resume the appetite
on riskier asset. |
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c***m
发帖数: 2630 | 33 Don't worry. It will go down again. I see this riskier than home builder HOV. |
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e*****e
发帖数: 335 | 34 it has already been nearly 50% up in the past weeks. It needs a rest and
more shakes
holding long positions is much riskier |
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A*******d
发帖数: 1799 | 35 News Story
Relatively High Volatility Detected in Shares of Phoenix in the Life &
Health Insurance Industry (PNX, LNC, CNO, PFG, PRU)
Jun 23, 2010
Jun 23, 2010 (SmarTrend(R) News Watch via COMTEX News Network) -- Below are
the top five companies in the Life & Health Insurance industry as measured
by beta. Higher-beta stocks mean greater volatility and are therefore
generally considered to be riskier but also may provide the potential for
higher returns.
Phoenix (NYSE:PNX) ranks first with a beta |
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m********0
发帖数: 2717 | 36 I would have million weibi if I sold those like you did.
weekly option, you should watch theta change by hours. consider if you have
a secondly option, it's no more than a coin toss. if you have a Leap option,
it's just an investment.
Weekly options, by all means, is riskier than monthly options. Most ppl used
it as a hedging purpose. The most proper usage might be the short leg of a
calendar spread.
All you suggested is directional, either long or write. This is the most
difficult way to trade |
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l******u
发帖数: 3169 | 37 由于有笨大叔的600B在债市接盘，大家跑出来run for riskier asset? or just fear
hyper-inflation，很难理解为什么有这么大的买盘，债市还不停的跌。。。
这些年的Fed真的很怪阿！ |
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p**8
发帖数: 3883 | 38 Fed Officials Say It's Business as Usual
CNBC.com | 06 Aug 2011 | 01:33 AM ET
Federal Reserve officials publicly declared it was business as usual in the
face of Standard and Poor’s downgrade of US government debt, but privately
they acknowledged these were unchartered waters.
Within 90 minutes of S&P’s decision, a joint release from US banking
regulators declared that, despite the downgrade of US paper, there would be
no change in the risk-weighting of treasury bills, bonds and notes or any
pap... 阅读全帖 |
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p**8
发帖数: 3883 | 39 Aug. 6, 2011, 5:24 p.m. EDT
Don’t panic: Why S&P’s downgrade means nothing
Commentary: Washington still useless, Treasuries still a safe haven
By Jeff Reeves
ROCKVILLE, Md. (MarketWatch) — After the Standard & Poor’s downgrade of U.
S. debt, America now carries a rating of AA-plus instead of the coveted AAA
rating on its Treasury bonds. Austria, Norway, Germany and Australia are no
longer our peers ratings-wise — we are, instead, in the company of Japan,
China, Spain, Taiwan and Slovenia.
Market... 阅读全帖 |
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g****t
发帖数: 4493 | 40 Morgan Stanly has roughly $39 billion in net exposure to the large French
banks
Morgan Stanley CDS Spreads Widen on Eurozone Worries
The cost of protecting against a default by Morgan Stanley in the CDS market
is rising this morning as investors once again scratch their heads about
the bank’s exposure to Europe.
Morgan Stanley’s 5-year CDS spread is up 3% to 455 basis points, according
to Markit data, the highest since March 2009.
Meanwhile, Bank of America’s spread is also up 3% this morning to... 阅读全帖 |
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f******d
发帖数: 6361 | 41 WASHINGTON (AP) -- For more Americans, being out of work has become a semi-
permanent condition.
Nearly one-third of the unemployed -- nearly 4.5 million people -- have had
no job for a year or more. That's a record high. Many are older workers who
have found it especially hard to find jobs.
And economists say their prospects won't brighten much even after the
economy starts to strengthen and hiring picks up. Even if they can find a
job, it will likely pay far less than their old ones did.
The o... 阅读全帖 |
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o***s
发帖数: 575 | 42 【 以下文字转载自 Chinook 俱乐部 】
发信人: chinook (Base Loaded), 信区: Chinook
标 题: Traders Warn of Market Cracks
发信站: BBS 未名空间站 (Wed Oct 19 00:02:22 2011, 美东)
谁睡不着觉，读者玩。WSJ上的。
Traders Warn of Market Cracks .
By TOM LAURICELLA And GREGORY ZUCKERMAN
Amid the wild swings of the past few weeks, traders are finding difficulty
executing trades without causing a big swing in prices, Gregory Zuckerman
reports on Markets Hub. Photo: AP.
.
Amid the wild swings of the past few weeks, cracks are appearing deep in t... 阅读全帖 |
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t********2
发帖数: 638 | 43 MM收到内线，QE3要来了。
今天大奔的发言：
Fed officials believe their past purchase programs helped to lift stock markets, by driving investors from low-risk investments toward riskier investments |
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B****o
发帖数: 1393 | 44
exam is safer, means may not drop much, but may not be ready to pop up yet.
renn is riskier. |
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p**8
发帖数: 3883 | 45 JPMorgan Chase & Co. (JPM) said it lost about $2 billion tied to synthetic
credit securities after positions taken by its chief investment office were
riskier than expected. |
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k********8
发帖数: 7948 | 46 http://www.dailymail.co.uk/news/article-2142866/JPMorgan-Chase-
Revealed: London trader known as 'Voldemort' who is suspected of blowing
bank's staggering $2billion lossFrench-born, British-based Bruno Michel
Iksil believed to be responsible
Dubbed the 'London Whale', be bragged 'he could walk on water'
Believed to be part of Chief Investment Office at heart of bank's losses
Ina Drew, boss of CIO, was paid $14million last year
Shares in British banks fall: Barclays, RBS and Lloyds all hit
By Dai... 阅读全帖 |
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s********y
发帖数: 3811 | 47 msft looks riskier. you guys can check out win 8 reviews on youtube... |
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s********y
发帖数: 3811 | 48 msft looks riskier. you guys can check out win 8 reviews on youtube... |
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c*****r
发帖数: 8227 | 49 The “tug of war” between Obama and Boehner “reveals nothing new but Obama
holds better cards,” said Gross in a Twitter message Friday. “Tax rates
on high income and capital [are] going up.”
Gross said this is negative for riskier assets, adding that he favors
municipal debt and Treasury bonds in the intermediate sector–those maturing
in five years to seven years. |
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y******i
发帖数: 2584 | 50 and AMZN EBAY(paypal is good)
UNP
AXP DFS （ a little riskier for the two) |
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