z**m
发帖数: 117 | 1 因为换工作,在前雇主401K里的基金全部被cash out,在vanguard开了个rollover ira的
账号,这两天cash out的支票一到,就要放进IRA里去.这些基金比当年最高的时候损失了
有30%吧.
现在想请教一下大家,这笔cash是应该马上一次性投入新的基金呢, 还是应该分成n份,
在几个月内分批放进去(比如分6份,每月放一份,放半年)? 主要是最近股市涨得可疑,怕
刚放进去就要大跌.
先谢谢了. | h****h
发帖数: 1168 | 2 put them in money market first.
【在 z**m 的大作中提到】
: 因为换工作,在前雇主401K里的基金全部被cash out,在vanguard开了个rollover ira的
: 账号,这两天cash out的支票一到,就要放进IRA里去.这些基金比当年最高的时候损失了
: 有30%吧.
: 现在想请教一下大家,这笔cash是应该马上一次性投入新的基金呢, 还是应该分成n份,
: 在几个月内分批放进去(比如分6份,每月放一份,放半年)? 主要是最近股市涨得可疑,怕
: 刚放进去就要大跌.
: 先谢谢了.
| z**m
发帖数: 117 | 3 Then? do nothing?
【在 h****h 的大作中提到】
: put them in money market first.
| h****h
发帖数: 1168 | 4 wait for stockdemon to say: buy buy buy
【在 z**m 的大作中提到】
: Then? do nothing?
| N******p
发帖数: 2777 | 5 啊，为啥要cash out，这样不是要交罚金么？
【在 z**m 的大作中提到】
: 因为换工作,在前雇主401K里的基金全部被cash out,在vanguard开了个rollover ira的
: 账号,这两天cash out的支票一到,就要放进IRA里去.这些基金比当年最高的时候损失了
: 有30%吧.
: 现在想请教一下大家,这笔cash是应该马上一次性投入新的基金呢, 还是应该分成n份,
: 在几个月内分批放进去(比如分6份,每月放一份,放半年)? 主要是最近股市涨得可疑,怕
: 刚放进去就要大跌.
: 先谢谢了.
| z**m
发帖数: 117 | 6 FT,is he a big NIU2 in timing market?
【在 h****h 的大作中提到】
: wait for stockdemon to say: buy buy buy
| K****D
发帖数: 30533 | 7 Wasn't especially very niu before this year but almost godly
this year.
【在 z**m 的大作中提到】
: FT,is he a big NIU2 in timing market?
| z**m
发帖数: 117 | 8 Because the former employer doesn't allow non-employee to put his retirement
money in its 401k program. One has to transfer money to an IRA or a new
401K. Since they don't do fund to fund transfer, all funds have to be cashed
out and one has to put cash into his IRA/new 401K within a time frame in
order to avoid penalty.
【在 N******p 的大作中提到】
: 啊，为啥要cash out，这样不是要交罚金么？
| z**m
发帖数: 117 | 9 Oh, really, let me study his posts first:-)
【在 K****D 的大作中提到】
: Wasn't especially very niu before this year but almost godly
: this year.
| N******p
发帖数: 2777 | 10 哦，这样啊。我以为钱一到你手里，你就得交罚金呢。
retirement
cashed
【在 z**m 的大作中提到】
: Because the former employer doesn't allow non-employee to put his retirement
: money in its 401k program. One has to transfer money to an IRA or a new
: 401K. Since they don't do fund to fund transfer, all funds have to be cashed
: out and one has to put cash into his IRA/new 401K within a time frame in
: order to avoid penalty.
| f****t
发帖数: 1063 | 11 hehe. ask quietly, is he in financial sector?
【在 K****D 的大作中提到】
: Wasn't especially very niu before this year but almost godly
: this year.
| K****D
发帖数: 30533 | 12 Probably yes.
【在 f****t 的大作中提到】
: hehe. ask quietly, is he in financial sector?
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