p***n
发帖数: 635 | 1 保守型的，准备给儿子上大学用。
Bond：40%
以下四选三：
Brazil Equity：20%
China Equity：20%
SPY：20%
Energy Sector：20%
大家看看靠谱不？
谢谢。 |
S****Y
发帖数: 4634 | 2 you plan to leverage?
【在 p***n 的大作中提到】
: 保守型的，准备给儿子上大学用。
: Bond：40%
: 以下四选三：
: Brazil Equity：20%
: China Equity：20%
: SPY：20%
: Energy Sector：20%
: 大家看看靠谱不？
: 谢谢。
|
p***n
发帖数: 635 | 3 呵呵，中国，巴西，SPY，能源板块4选3。
【在 S****Y 的大作中提到】
: you plan to leverage?
|
K*Q
发帖数: 1001 | 4 zan
【在 p***n 的大作中提到】
: 保守型的，准备给儿子上大学用。
: Bond：40%
: 以下四选三：
: Brazil Equity：20%
: China Equity：20%
: SPY：20%
: Energy Sector：20%
: 大家看看靠谱不？
: 谢谢。
|
p***n
发帖数: 635 | 5 赞个啥?钱太少,只能分4-5份,不然的话再多样化一些.
【在 K*Q 的大作中提到】
: zan
|
m**********w
发帖数: 4161 | 6 新兴市场各10%算了。或者中美巴各15%。
【在 p***n 的大作中提到】
: 保守型的，准备给儿子上大学用。
: Bond：40%
: 以下四选三：
: Brazil Equity：20%
: China Equity：20%
: SPY：20%
: Energy Sector：20%
: 大家看看靠谱不？
: 谢谢。
|
K*Q
发帖数: 1001 | 7 赞有这么多钱用于各专项投资。。。
【在 p***n 的大作中提到】
: 赞个啥?钱太少,只能分4-5份,不然的话再多样化一些.
|
S****Y
发帖数: 4634 | 8 i think you should reconsider investing so much in emerging market. it's not
as diversified as you think even though you are investing in china, brazil
and energy. energy and china is quite correlated these days. some
alternative raw material might be good, for example, platinum, timber, and i
would also hold some gold to guard against inflation.
any reason you are not investing in japan/russia?
【在 p***n 的大作中提到】
: 呵呵，中国，巴西，SPY，能源板块4选3。
|
p***n
发帖数: 635 | 9 好的，我对印度俄罗斯不是很感冒，更新：
0）大混 10% （PRPFX）
1）债券 20% （MWTRX）
2）巴西 EWZ 15%
3）天朝 FXI 10%
4）米帝 SPY 10%
5）能源 IXC 10%
6) 金子 GLD 10%
7）其他材料/日本 15%
还有一个问题，长期持有ETF好还是类似的基金好？譬如FXI之与MCHFX。
not
brazil
i
【在 S****Y 的大作中提到】
: i think you should reconsider investing so much in emerging market. it's not
: as diversified as you think even though you are investing in china, brazil
: and energy. energy and china is quite correlated these days. some
: alternative raw material might be good, for example, platinum, timber, and i
: would also hold some gold to guard against inflation.
: any reason you are not investing in japan/russia?
|
s**********d
发帖数: 36899 | |
|
|
p***n
发帖数: 635 | 11 十年不要折腾了啥意思，就是说买个SPY放那里，还是直接买GLD？
【在 s**********d 的大作中提到】
: 十年不要折腾了。
|
l**********t
发帖数: 5754 | 12 exposure to GLD ~12.5%
to GLD + 其他材料 ~25%
to GLG + 其他材料 + 能源 > 30%
to GLG + 其他材料 + 能源 + Emerging Mkts > 50%
that's a very bold bet on inflation (in USD term) and confident bet on EM.
When the US Fed raises short-term rates & the dollar carry trade unwind,
watch out for the fall in all these asset classes. |
p***n
发帖数: 635 | 13 Thanks
【在 l**********t 的大作中提到】
: exposure to GLD ~12.5%
: to GLD + 其他材料 ~25%
: to GLG + 其他材料 + 能源 > 30%
: to GLG + 其他材料 + 能源 + Emerging Mkts > 50%
: that's a very bold bet on inflation (in USD term) and confident bet on EM.
: When the US Fed raises short-term rates & the dollar carry trade unwind,
: watch out for the fall in all these asset classes.
|
K****D
发帖数: 30533 | 14 SPY.
I personally believe that a fixed portfolio with low fees and
reasonably low volatility for 10 years has approximately 50%
chance to beat SPY.
That is, no matter if it is diversified or not.
【在 p***n 的大作中提到】
: 十年不要折腾了啥意思，就是说买个SPY放那里，还是直接买GLD？
|
p***n
发帖数: 635 | 15 嗯，过去十年无数股票比SPY强，包括ＢＲＫＢ，ＥＷ等无聊股。您老有什么推荐的么
？我现在只买了那个Bond，其它的都还在观望中。
【在 K****D 的大作中提到】
: SPY.
: I personally believe that a fixed portfolio with low fees and
: reasonably low volatility for 10 years has approximately 50%
: chance to beat SPY.
: That is, no matter if it is diversified or not.
|
K****D
发帖数: 30533 | 16 No, I don't have. I personally don't practice asset allocation
type of investment. I adjust it all the time.
【在 p***n 的大作中提到】
: 嗯，过去十年无数股票比SPY强，包括ＢＲＫＢ，ＥＷ等无聊股。您老有什么推荐的么
: ？我现在只买了那个Bond，其它的都还在观望中。
|
l**********t
发帖数: 5754 | 17 if you are in the US, and you don't have much time for investment research
of your own, you are better off with a 529 plan/fund -- the contributions
are tax deductable. |
p***n
发帖数: 635 | 18 the thing is that it could only be used for college if it is in 529 ...
【在 l**********t 的大作中提到】
: if you are in the US, and you don't have much time for investment research
: of your own, you are better off with a 529 plan/fund -- the contributions
: are tax deductable.
|
K****D
发帖数: 30533 | 19 I don't see why it's related to the OP's question.
Maybe he already maxed it out (if there is a cap).
Maybe it is indeed inside a 529 plan.
Maybe there is reason that he doesn't want to pick 529 plan.
Those are all not in the realm of portfolio advices.
【在 l**********t 的大作中提到】
: if you are in the US, and you don't have much time for investment research
: of your own, you are better off with a 529 plan/fund -- the contributions
: are tax deductable.
|
p***n
发帖数: 635 | 20 hehe, actually i've been throwing my money into a 529 plan myself over the
last 5 years, the performance is mediocre at best (2018 target fund barely
breaks even so far, barely beating SPY )... nowadays I am only making
contributions through my credit cards (Fidelity 529 cards)
as you said, a no-brainer portfolio might beat it easily
【在 K****D 的大作中提到】
: I don't see why it's related to the OP's question.
: Maybe he already maxed it out (if there is a cap).
: Maybe it is indeed inside a 529 plan.
: Maybe there is reason that he doesn't want to pick 529 plan.
: Those are all not in the realm of portfolio advices.
|
|
|
l**********t
发帖数: 5754 | 21 which is the lesser of two evils... a simplified allocation product designed
for college saving vs. an ad hoc portfolio overloaded with the "hot" asset
classes w/o sufficient balance of return & risk? If you are an active &
capable investor, you shall (or hire someone to) manage your asset
allocation dynamically overtime. Otherwise, a 529 fund is a better choice.
【在 K****D 的大作中提到】
: I don't see why it's related to the OP's question.
: Maybe he already maxed it out (if there is a cap).
: Maybe it is indeed inside a 529 plan.
: Maybe there is reason that he doesn't want to pick 529 plan.
: Those are all not in the realm of portfolio advices.
|
l**********t
发帖数: 5754 | 22 I hear you... it has been a lost decade for US stock. With the benefit of
perfect hindsight, you can find the best portfolio. Planning for the future
is different.
【在 p***n 的大作中提到】
: hehe, actually i've been throwing my money into a 529 plan myself over the
: last 5 years, the performance is mediocre at best (2018 target fund barely
: breaks even so far, barely beating SPY )... nowadays I am only making
: contributions through my credit cards (Fidelity 529 cards)
: as you said, a no-brainer portfolio might beat it easily
|
K****D
发帖数: 30533 | 23 I personally would definitely max out ESA first (as most people
would do), and then I will be hesitant on whether I should do
529 at all or should just have my children try to get their
own stipend.
Having money saved up in an regular account can be used as a
measure to let the children develop a sense of responsibility,
the benefit of which might overweight the monetary benefit.
529 plan has to be used on education. What if your children
refuse to go to college later? :-)
Again, IMO all these s
【在 l**********t 的大作中提到】
: which is the lesser of two evils... a simplified allocation product designed
: for college saving vs. an ad hoc portfolio overloaded with the "hot" asset
: classes w/o sufficient balance of return & risk? If you are an active &
: capable investor, you shall (or hire someone to) manage your asset
: allocation dynamically overtime. Otherwise, a 529 fund is a better choice.
|
c*v
发帖数: 93 | 24 Gosh, I didn't know there is an ESA option available! I googled it and it
seems very interesting. Fidelity does not seem to offer it but Vanguard does
. KennyD, can you provide some links or your throughts on thhis for my
education? Thank you... |
K****D
发帖数: 30533 | 25 My knowledge is limited to wiki since I haven't started college
planning at all:
http://en.wikipedia.org/wiki/Education_Savings_Account
Basically 529 and ESA are both like Roth IRA but 529 is also like
401k in investment choices.
does
【在 c*v 的大作中提到】
: Gosh, I didn't know there is an ESA option available! I googled it and it
: seems very interesting. Fidelity does not seem to offer it but Vanguard does
: . KennyD, can you provide some links or your throughts on thhis for my
: education? Thank you...
|
c*v
发帖数: 93 | 26 Okay thank you. From my previous reading, 529 only allows you to change
investment once a year, and typically you only have a very limited lineup of
investment choices. So I am putting it off for now. ESA, however, based on
my 1-hour's research , allows you to own funds, bonds or stocks and there is
no limit on how you change them. And it can be used to cover not only
college expenses but also elmentary/secondard schools. So that's a plus. The
only problems I found so far are:
1) Maximum contrib
【在 K****D 的大作中提到】
: My knowledge is limited to wiki since I haven't started college
: planning at all:
: http://en.wikipedia.org/wiki/Education_Savings_Account
: Basically 529 and ESA are both like Roth IRA but 529 is also like
: 401k in investment choices.
:
: does
|
S****Y
发帖数: 4634 | 27 i think most 529 has even less investment options than most 401ks
【在 K****D 的大作中提到】
: My knowledge is limited to wiki since I haven't started college
: planning at all:
: http://en.wikipedia.org/wiki/Education_Savings_Account
: Basically 529 and ESA are both like Roth IRA but 529 is also like
: 401k in investment choices.
:
: does
|
S****Y
发帖数: 4634 | 28 if it's truly for college education, and the horizon is 10 years. I would
invest a lot more in US equity, at least 40-50%.
choose whichever one that has lower fee.
【在 p***n 的大作中提到】
: 好的，我对印度俄罗斯不是很感冒，更新：
: 0）大混 10% （PRPFX）
: 1）债券 20% （MWTRX）
: 2）巴西 EWZ 15%
: 3）天朝 FXI 10%
: 4）米帝 SPY 10%
: 5）能源 IXC 10%
: 6) 金子 GLD 10%
: 7）其他材料/日本 15%
: 还有一个问题，长期持有ETF好还是类似的基金好？譬如FXI之与MCHFX。
|
m******t
发帖数: 2416 | 29 Japan is going down. S&P just put it on
negative watch for downgrading.
【在 p***n 的大作中提到】
: 好的，我对印度俄罗斯不是很感冒，更新：
: 0）大混 10% （PRPFX）
: 1）债券 20% （MWTRX）
: 2）巴西 EWZ 15%
: 3）天朝 FXI 10%
: 4）米帝 SPY 10%
: 5）能源 IXC 10%
: 6) 金子 GLD 10%
: 7）其他材料/日本 15%
: 还有一个问题，长期持有ETF好还是类似的基金好？譬如FXI之与MCHFX。
|
S****Y
发帖数: 4634 | 30 hard to say if the market has already reflected that. get to remember the
japanese market as a whole is down 50% or so in the last twenty years
【在 m******t 的大作中提到】
: Japan is going down. S&P just put it on
: negative watch for downgrading.
|
|
|
s**********d
发帖数: 36899 | 31 买一个global fund或者两个funds放那里好了。
【在 p***n 的大作中提到】
: 十年不要折腾了啥意思，就是说买个SPY放那里，还是直接买GLD？
|
p****y
发帖数: 95 | 32 but 529 plan can give you state tax benefit (a lot of state allow income
deductions for your 529 contributions). |
l**********t
发帖数: 5754 | 33 comparing to manage your own EMA, investing in state sponsored 529 target
date funds have some benefits ( in addition to tax benefit).
a)target date funds have asset allocations tailored for the investment
horizon, with automatic rebalancing.
Asset allocation has the most impact on your investment return (not which
stock/sector/or single asset class mutual fund you picked).
b)the investment strategies & advsiors are scrutized by the sponsor state
thru due dilligent process. Although there is no |
m******t
发帖数: 2416 | 34
Right. When I said "Japan is going down" I really had the Yen in my mind.
I am getting killed by a short Yen position at the moment, so there was
probably a little ranting in that statement. 8-)
【在 S****Y 的大作中提到】
: hard to say if the market has already reflected that. get to remember the
: japanese market as a whole is down 50% or so in the last twenty years
|
S**C
发帖数: 2964 | 35 If you already decided 60/40 allocation, why not choose several good
allocation fund, such as OAKBX, FPACX, and IVWIX, let them work for you?
【在 p***n 的大作中提到】
: 保守型的，准备给儿子上大学用。
: Bond：40%
: 以下四选三：
: Brazil Equity：20%
: China Equity：20%
: SPY：20%
: Energy Sector：20%
: 大家看看靠谱不？
: 谢谢。
|
S****Y
发帖数: 4634 | 36 i share your view, even though i don't trust my ability to forecast currency
movement, i don't see how japanese yen can continue to strengthen when
their underlying economy is such a mess. the world economy will recover and
carry trade will come back.
【在 m******t 的大作中提到】
:
: Right. When I said "Japan is going down" I really had the Yen in my mind.
: I am getting killed by a short Yen position at the moment, so there was
: probably a little ranting in that statement. 8-)
|
