h******e
发帖数: 1791 | 1 现金2万，想买ETF，目标是风险最小，收益在一年内高于saving account（1.5%）即可
。请问买什么？谢谢。 |
a**e
发帖数: 5794 | 2 bond ETF
【在 h******e 的大作中提到】
: 现金2万，想买ETF，目标是风险最小，收益在一年内高于saving account（1.5%）即可
: 。请问买什么？谢谢。
|
n******n
发帖数: 12088 | 3 hard to say.
【在 a**e 的大作中提到】
: bond ETF
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t*******k
发帖数: 774 | 4 Open a Charles Schwab account and purchase SCHP (Schwab US TIPS ETF). This
ETF tracks Barclays Capital U.S. Treasury Inflation Protected Securities (
TIPS) Index and invests in US Treasury bonds and notes. There is no trading
commission for Schwab ETF and the expense ratio is only 0.14%.
【在 h******e 的大作中提到】
: 现金2万，想买ETF，目标是风险最小，收益在一年内高于saving account（1.5%）即可
: 。请问买什么？谢谢。
|
t*m
发帖数: 4414 | 5 too risky. buy even shorter term bond eft/funds
I think you just go with
iGObanking.com - 2 yr national high yield CD
APY
2.25%
trading
即可
【在 t*******k 的大作中提到】
: Open a Charles Schwab account and purchase SCHP (Schwab US TIPS ETF). This
: ETF tracks Barclays Capital U.S. Treasury Inflation Protected Securities (
: TIPS) Index and invests in US Treasury bonds and notes. There is no trading
: commission for Schwab ETF and the expense ratio is only 0.14%.
|
w******g
发帖数: 82 | 6 你要是不买ETF的话选择余地就大多了。仅mutual fund来说就有很多种,beat APY 1.5%
简直是轻轻松松的。
【在 h******e 的大作中提到】
: 现金2万，想买ETF，目标是风险最小，收益在一年内高于saving account（1.5%）即可
: 。请问买什么？谢谢。
|
s********n
发帖数: 1962 | 7 轻轻松松 is not possible.
5%
【在 w******g 的大作中提到】
: 你要是不买ETF的话选择余地就大多了。仅mutual fund来说就有很多种,beat APY 1.5%
: 简直是轻轻松松的。
|
p******a
发帖数: 41 | 8 define min. risk first...
let us know if you find one... |
w******g
发帖数: 82 | 9 risk-free 基本上是不可能的，存银行除外。
若能承担一点点risk,年return 超过1.5%的还是有不少的。
Harbor Bond Instl HABDX (bond) 5-star
Total Return % (11/11/10)
1-Day 1-Week 1-Month 3-Month YTD 1-Year 3-Year 5-Year 10-Year 15-Year
HABDX -0.15 -0.98 -0.15 1.98 10.02 10.37 9.65 8.21 7.61 7.36
Permanent Portfolio PRPFX (conservative allocation) 5-star
Total Return % (11/11/10)
1-Day 1-Week 1-Month 3-Month YTD 1-Year 3-Year 5-Year 10-Year 15-Year
PRPFX 0.20 0.29 2.92 11.37 16.73 16.46 8.22 11.08 11.62 8.49
【在 s********n 的大作中提到】
: 轻轻松松 is not possible.
:
: 5%
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d*********2
发帖数: 48111 | 10 存银行也有risk啊． 你要是０３年和０６年存过定存就知道了．
rate随时间变化也快呢， 而且还要考虑能不能beat inflation.
Year
Year
【在 w******g 的大作中提到】
: risk-free 基本上是不可能的，存银行除外。
: 若能承担一点点risk,年return 超过1.5%的还是有不少的。
: Harbor Bond Instl HABDX (bond) 5-star
: Total Return % (11/11/10)
: 1-Day 1-Week 1-Month 3-Month YTD 1-Year 3-Year 5-Year 10-Year 15-Year
: HABDX -0.15 -0.98 -0.15 1.98 10.02 10.37 9.65 8.21 7.61 7.36
: Permanent Portfolio PRPFX (conservative allocation) 5-star
: Total Return % (11/11/10)
: 1-Day 1-Week 1-Month 3-Month YTD 1-Year 3-Year 5-Year 10-Year 15-Year
: PRPFX 0.20 0.29 2.92 11.37 16.73 16.46 8.22 11.08 11.62 8.49
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w******g
发帖数: 82 | 11 this is the point.
one has to take the risk, smaller or bigger, as far as investment goes.
【在 d*********2 的大作中提到】
: 存银行也有risk啊． 你要是０３年和０６年存过定存就知道了．
: rate随时间变化也快呢， 而且还要考虑能不能beat inflation.
:
: Year
: Year
|
o******8
发帖数: 620 | 12 买Vanguard的BND怎么样？和直接买Bond都差不多了。 |
D*******a
发帖数: 3688 | 13 is now a good time to buy bonds? the interest rate is so low. later when
rate hikes the bond investments will lose a lot of value.
【在 o******8 的大作中提到】
: 买Vanguard的BND怎么样？和直接买Bond都差不多了。
|
s*****n
发帖数: 2174 | 14 People have been worrying this for years, but so far, bond is still
performing solidly.
【在 D*******a 的大作中提到】
: is now a good time to buy bonds? the interest rate is so low. later when
: rate hikes the bond investments will lose a lot of value.
|
D*******a
发帖数: 3688 | 15 that doesn't contradict what I said. If you bought bonds when the rates were
high (e.g. several years ago) it's of course performing now. My point is
regarding investing in bonds now where the rates are low.
【在 s*****n 的大作中提到】
: People have been worrying this for years, but so far, bond is still
: performing solidly.
|
s*****n
发帖数: 2174 | 16 I am just saying for now. In the last two years at least, people worries
about the potential risk of buying bonds. But the problem is that we have
no idea when rate will be raised, but bonds do give 6-8% steady return
every year. To me, it is a good investment option even for now.
If not buying bonds, what's the alternatives? Cash only gives 1-2%
annually.
were
is
【在 D*******a 的大作中提到】
: that doesn't contradict what I said. If you bought bonds when the rates were
: high (e.g. several years ago) it's of course performing now. My point is
: regarding investing in bonds now where the rates are low.
|
k***n
发帖数: 3158 | 17 bonds do NOT always give you that 6-8% steady return every year.
even Bill Gross issued a massive sell signal on his own fund,
the world’s largest bond fund
【在 s*****n 的大作中提到】
: I am just saying for now. In the last two years at least, people worries
: about the potential risk of buying bonds. But the problem is that we have
: no idea when rate will be raised, but bonds do give 6-8% steady return
: every year. To me, it is a good investment option even for now.
: If not buying bonds, what's the alternatives? Cash only gives 1-2%
: annually.
:
: were
: is
|
o******8
发帖数: 620 | 18 确实是，上哪里找一个risk接近saving account, return>2% 的investment？
当然，BND的risk比saving account高
【在 s*****n 的大作中提到】
: I am just saying for now. In the last two years at least, people worries
: about the potential risk of buying bonds. But the problem is that we have
: no idea when rate will be raised, but bonds do give 6-8% steady return
: every year. To me, it is a good investment option even for now.
: If not buying bonds, what's the alternatives? Cash only gives 1-2%
: annually.
:
: were
: is
|
z****7
发帖数: 880 | 19 换成人民币存一年定期
【在 h******e 的大作中提到】
: 现金2万，想买ETF，目标是风险最小，收益在一年内高于saving account（1.5%）即可
: 。请问买什么？谢谢。
|
t*m
发帖数: 4414 | 20 ibond
即可
【在 z****7 的大作中提到】
: 换成人民币存一年定期
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y*****7
发帖数: 2869 | 21 我给你2%的点利息给你，你给我你的现金，DEAL不？ 呵呵 这样你先拿着钱给俺，欢
天喜地回家过大年：）
【在 h******e 的大作中提到】
: 现金2万，想买ETF，目标是风险最小，收益在一年内高于saving account（1.5%）即可
: 。请问买什么？谢谢。
|
D*******a
发帖数: 3688 | 22 no
your credit risk is too high
【在 y*****7 的大作中提到】
: 我给你2%的点利息给你，你给我你的现金，DEAL不？ 呵呵 这样你先拿着钱给俺，欢
: 天喜地回家过大年：）
|
S**C
发帖数: 2964 | 23 The new fixed rate for Series I Savings Bonds (“I Bonds”) was announced on
11/1/10 to be 0.0%.
So...quite a raw deal.
【在 t*m 的大作中提到】
: ibond
:
: 即可
|
t******i
发帖数: 215 | 24 这样如何：
1/3 CD，
1/3 BND,
1/3 TIP
【在 h******e 的大作中提到】
: 现金2万，想买ETF，目标是风险最小，收益在一年内高于saving account（1.5%）即可
: 。请问买什么？谢谢。
|
j*******1
发帖数: 2045 | 25 才两万，就开一个reward checking.每月多刷几次卡，能拿到4%。 |
v*****l
发帖数: 227 | |
z*****u
发帖数: 3010 | 27 才两万，就开一个reward checking. |
o******8
发帖数: 620 | 28 不推荐reward checking, 每个月很麻烦得刷十次卡不说，
银行还会自觉地调低interest rate.
【在 z*****u 的大作中提到】
: 才两万，就开一个reward checking.
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