j****h
发帖数: 219 | 1 看来 Deflation 要成为现实了，我看了 “THOUGHTS ON THE END GAME”和 "THIS
TIME IS DIFFERENT"后，今年开始投入的 VUSTX 现在也受益 10%了。
问题是：要不要增加投资？ |
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gr
发帖数: 2958 | 3 除了SP500想找个长期的bond diversify一下。
发现了vanguard有个神奇的 Vanguard Long-Term Treasury Fund Investor Shares (
VUSTX)
收益率超高
1 Year 3 Year 5 Year 10 Year Since Inception 5/19/1986
2.58% 5.85% 9.47% 7.71% 8.07%
但是看google上的价格趋势，目前价格比十年前也就是高了30%，这个10年收益7.7%怎
么来的？ |
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w***n
发帖数: 1519 | 4 Google finance always adjusts prices for splits, but not for dividends. This
is a known issue that they admitted.
You seem to keep coming back and asking about VUSTX or TLT. If it's so
confusing, why not just ask Vanguard? Or, maybe it's wise to just invest in
a target fund already, if your own research isn't going anywhere... |
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gr
发帖数: 2958 | 5 去年的都买了2045 life，里面基本都是股指啊。
今年不是考虑看看别的么。morning star入门文章有看，觉得股票是最好的。
看到有别人提到这个 bond 很好。
自己也在研究下，来mit问一下 关键问题也算研究吧。
：Google finance always adjusts prices for splits, but not for dividends.
This is a known issue that they admitted.
：You seem to keep coming back and asking about VUSTX or TLT. If it's so
：confusing, why not just ask Vanguard? Or, maybe it's wise to just
invest in a target fund already, if your own research isn't going
anywhere... |
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w***n
发帖数: 1519 | 6 If you are convinced that buy-and-hold stock index gives you the best return
over a long period of time, why do you need hedge? Why can't you just
toughen up and sit out any storms along the way and get your best return at
the end? You do realize hedge is not free and is likely going to water down
your return, right?
If you do need hedge, why bond? Why long-term bond specifically? Do you
understand the risk of long-term bonds and will not be selling bonds in
panic? Are you okay with VUSTX not st... 阅读全帖 |
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gr
发帖数: 2958 | 7 感觉今年股票要下走，放到SP有点慌啊。
换成长期bond怎么样？
Vanguard的这个怎么样？VUSTX Long-Term Treasury 0.20%
感觉fee有点高，
还有别的推荐么？Vanguard好像不能买TLT，这个VUSTX好像算alternative吧。 |
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s******d
发帖数: 323 | 8 25% VTMSX -3.30%
25% VUSTX 2.47%
25% GLD 2.95%
25% VFISX 0.18%
today total: UP 0.575% |
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c**********l
发帖数: 606 | 9 or EDV if you want more leverage for deflation protection. |
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w*****n
发帖数: 74 | 10 下面是公司提供的401K计划中可选的基金列表。大家觉得选择哪些比较好，比例怎么分
配？
我的初步投资组合是 VFINX(40%),VEXMX(30%),VWIGX(30%)，大家觉得diversification
如何？还需要添加什么基金？多谢
Vanguard 500 Index Fund Investor Shares * VFINX 0040
Vanguard Explorer Fund Investor Shares * VEXPX 0024
Vanguard Extended Market Index Fund Investor Shares * VEXMX 0098
Vanguard Intermediate-Term Treasury Fund Investor Shares * VFITX 0035
Vanguard International Growth Fund Investor Shares * VWIGX 0081
Vanguard Long-Term Investment-Grade Fund In... 阅读全帖 |
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C*******O
发帖数: 147 | 11 Vanguard Long-Term Treasury: VUSTX 10%
Vanguard Emerging Mkts Stock Idx: VEIEX 10%
Vanguard Total Stock Idx: VTSAX 20%
Vanguard Inflation-Protect Secs: VIPSX 25%
Vanguard REIT Index Inv: VGSIX 10%
Vanguard Total Intl Stock Idx: VGTSX 10%
Vanguard Dividend Growth: VDIGX 15%
改了一下, 去掉了TAX MANAGED FUND, 增加了LONG TERM TREASURY.
OVERALL, STOCK 65% (DOMESTIC 45%, INTERNATIONAL 20%), BOND 35%. |
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l******i
发帖数: 1404 | 12 玩过prosper的就知道，bond的关键在于diversify，如果没有做好功课，自己买几个
bond的话只要有一个default，收益就大幅度下降。而且很难真的等到maturity的。也
许你应该买bond fund，这样省心，增长稳定些，如果你追求增长率的话，我个人建议
VUSTX。
股票就不一样，虽然股票diversify也重要。但买指数也会大亏，volatility也很大，
07年入市的话到现在还没有出水。这样一来还不如自己挑十几个consumer类别的稳定增
长股来的放心，像MCD，PM，DLTR之类的，每半年review+rebalance一次就够了，就选
抗跌的股票。 |
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z**********i
发帖数: 12276 | 13 我的钱在FIDELITY,买这个VUSTX.
Transaction Fee (online) $75.00
Expense Ratio 0.22%
是不是,我在VANGUARD买就没有这个75的费用拉?
多谢回复! |
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l******i
发帖数: 1404 | 14 我也想请教一下，bond fund里的duration长有什么坏处？谢谢。
duration短的收益都很少。。。
我算了daily return series的sharpe ratio，VUSTX比较客观。 |
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f*********7
发帖数: 1040 | 15 请高手指点：vanguard Roth IRA 买哪个funds 比较合适？
PS：新手，对股票知识是白痴 （也 不准备买）。准备３０年后退休，可以承担low－
moderate risk。 可供选择的below： thanks
Mutual funds
General attributes
Name (Minimum)
Ticker
Asset
Class
Fund No.
Expense ratio
Admiral Treasury Money Market
VUSXX
Money Market
0011
0.09%
Federal Money Market
VMFXX
Money Market
0033
0.11%
Prime Money Market ($3,000 minimum)
VMMXX
Money Market
0030
0.16%
Short-Term Bond Index ($3,000 minimum)
VBISX
Bond - Short-term Investment
0132
0.20%
Short-Term Federal ($3... 阅读全帖 |
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w***n
发帖数: 1519 | 16 长期bond是非常volatile的，买之前先得确定你真的理解你买的是什么，想用它做什么
。这不是买菜，最好先投资时间，弄明白再说。
你如果只想要tbond的话，vustx 不理想。你得去看看prospectus，确定你可以接受它
只有80%是treasury.
vanguard当然可以买tlt，是个broker都可以买。你也可以直接买tbond，财政部
auction的，或是二手的。 |
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N******o
发帖数: 3053 | 17 每个月起码3分的Dividend你没有看到？图表下面一个符号D。 |
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m*********t
发帖数: 1250 | 18 选择不同的投资标的，你的expected return也应该有所不同~ 如果我选择买bond，我当
然不会expect它的face value或bond fund价格变化太大，而是看重它的Dividend或Yie
ld。 |
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w***n
发帖数: 1519 | 19 People often buy long treasury bonds not really for the dividend/yield, but
for hedging their equity positions. And the price moves can be so big that
you don't care about those dividends.
我当
Yie |
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m*********t
发帖数: 1250 | 20 但是对于lz提到的这个long-term bond fund，average duration是17 years，受inter
est rate波动影响太大~
个人浅见在目前的大概率事件的加息周期，它对stock的hedge有限，如果出现加息节奏
加快，stock跌，这个fund也同时大跌~ 我比较同意主流观点就是可以持有high qualit
y intermediate term的bond作为hedge。
but |
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gr
发帖数: 2958 | 21 比如以下两个？
Vanguard Intermediate-Term Bond Index Fund Investor Shares (VBIIX
Vanguard Intermediate-Term Treasury Fund Investor Shares (VFITX)
inter
qualit |
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w***n
发帖数: 1519 | 22 Yes, interest rate is now so low that it has to start going up at some point
. When that happens, treasury bonds are going to fall like a rock. They have
to... but wait... aren't Japan and Europe already in negative interests
territory? Why are we so sure that US won't follow suit? The whole point of
hedging is you don't really know what will happen. Treasury bonds are so
volatile and could move in the opposite direction vs. stocks (i.e., during
deflation), which makes them a good candidate for ... 阅读全帖 |
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w***n
发帖数: 1519 | 23 2045 is a fine choice. Not sure why you don't like it. "里面基本都是股指" ..
. "觉得股票是最好的" I'm a bit confused here. You want more stocks or less?
You don't have to go with a target fund according to your age. If you want
more stocks, go with target 2060; or, target 2025 for less stocks. Just two
examples. You can also build your own target fund so that the cost can be
lower. |
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gr
发帖数: 2958 | 24 我的意思是从我以前学习了解的知识来看，30年的远景预期最高回报率最好直接buy
hold股指。
也不是不喜欢这个。
就是慢慢了解的信息多了之后，考虑是不是要做一些hedge什么的，比如说买一些bond
做补充。
正好那天看到有人问，就想顺便了解一下。
..
?
two |
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r****m
发帖数: 1204 | 25 预期回报率最高也意味着potential drawdown 会很厉害，看起来你需要一个balanced
portfolio。 另外， 对长期投资来说，你需要的不是hedge， 而是periodical
rebalancing.
bond |
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f*********7
发帖数: 1040 | 26 请高手指点：vanguard Roth IRA 买哪个funds 比较合适？
PS：新手，对股票知识是白痴 （也 不准备买）。准备３０年后退休，可以承担low－
moderate risk。 可供选择的below： thanks
Mutual funds
General attributes
Name (Minimum)
Ticker
Asset
Class
Fund No.
Expense ratio
Admiral Treasury Money Market
VUSXX
Money Market
0011
0.09%
Federal Money Market
VMFXX
Money Market
0033
0.11%
Prime Money Market ($3,000 minimum)
VMMXX
Money Market
0030
0.16%
Short-Term Bond Index ($3,000 minimum)
VBISX
Bond - Short-term Investment
0132
0.20%
Short-Term Federal ($3... 阅读全帖 |
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x*********n
发帖数: 100 | 27 准备把所有stock mutual funds都拿出来。现在看到bond不错，是不是该买bond?
看到vanguard的Long-Term Treasury（VUSTX）居然有25%。
问个新手问题：像这种fund有没有什么时间限制？还是说和stock mutual fund一样，
随时可买卖？ |
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发帖数: 1 | 28 widemouth大牛，我是在vanguard开的户。你说的那两个指数，具体是下面的哪一个啊？
Mutual funds
General attributes
Name (Minimum)Sort TickerSort Asset
ClassSort Fund No. Expense ratio
Federal Money Market ($3,000 minimum) VMFXX Money Market 0033
0.11%
Prime Money Market ($3,000 minimum) VMMXX Money Market 0030
0.16%
Treasury Money Market ($50,000 minimum) VUSXX Money Market
0011 0.09%
California Municipal Money Market ($3,000 minimum) VCTXX Money
Market... 阅读全帖 |
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