d*****r 发帖数: 273 | 1 在投资方面,2010年对我来说是一个转型的一年。在2009年底,在我换了又一个工作以
后,我不知道怎么处理我在上个雇主存下的401k,激烈的市场动荡使我很谨慎。 当时
,我的投资方法就是打一枪换一个地方,我收集了来自不同来源的信息,并试图找到最
热门的股票来低买高卖。同时,2008年的股市大跌又使我非常小心。 我甚至找到一家
财务管理公司,要把钱交给他们来管理,他们进门的门槛很低,每年收取2%的管理费
, 我下载了他们的申请书,打电话与基金经理交谈过,并经常浏览其网站。不过,我
当时感觉他们的投资理念不是很适合我。 我试着买了几只那个基金经理建议的股票,
可是最后的结果并不怎么好。
在我的学习和研究的过程,我碰到了股息投资策略,我很感兴趣,于是我买了以下两本
书来学习:
The Single Best Investment: Creating Wealth with Dividend Growth
The Ultimate Dividend Playbook: Income, Insight and Independence for Today's Investor
我认识到如果买以下特质的股票,就更有可能得到高回报:1)高品质,2)高股息,3
)高股息增长率。 具有这些特质的股票风险较低,更容易获利。慢慢地,我开始重新
分配我的投资组。 随着时间的推移我创建了一个股息股票投资组合,这个组合在未来
的12个月(从2010年12月31日)将返回$9800元股息(见我的投资组合 http://cn.dividendengineer.com/?page_id=42 )。
2011年,我将继续投资股息股票,我的投资组合中能源相关的股票较少,我将增加石油
和天然气类股到我的投资组合。 我的2011年的目标是到2011年底,我的股息年收入达
到$12,000,其中的增长部分来自股息上调,部分来自股息再投资,部分来自新投资。 |
s********u 发帖数: 1054 | 2 谢谢分享!
【在 d*****r 的大作中提到】 : 在投资方面,2010年对我来说是一个转型的一年。在2009年底,在我换了又一个工作以 : 后,我不知道怎么处理我在上个雇主存下的401k,激烈的市场动荡使我很谨慎。 当时 : ,我的投资方法就是打一枪换一个地方,我收集了来自不同来源的信息,并试图找到最 : 热门的股票来低买高卖。同时,2008年的股市大跌又使我非常小心。 我甚至找到一家 : 财务管理公司,要把钱交给他们来管理,他们进门的门槛很低,每年收取2%的管理费 : , 我下载了他们的申请书,打电话与基金经理交谈过,并经常浏览其网站。不过,我 : 当时感觉他们的投资理念不是很适合我。 我试着买了几只那个基金经理建议的股票, : 可是最后的结果并不怎么好。 : 在我的学习和研究的过程,我碰到了股息投资策略,我很感兴趣,于是我买了以下两本 : 书来学习:
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p******i 发帖数: 1763 | 3 你给出的数字没有意义啊
【在 d*****r 的大作中提到】 : 在投资方面,2010年对我来说是一个转型的一年。在2009年底,在我换了又一个工作以 : 后,我不知道怎么处理我在上个雇主存下的401k,激烈的市场动荡使我很谨慎。 当时 : ,我的投资方法就是打一枪换一个地方,我收集了来自不同来源的信息,并试图找到最 : 热门的股票来低买高卖。同时,2008年的股市大跌又使我非常小心。 我甚至找到一家 : 财务管理公司,要把钱交给他们来管理,他们进门的门槛很低,每年收取2%的管理费 : , 我下载了他们的申请书,打电话与基金经理交谈过,并经常浏览其网站。不过,我 : 当时感觉他们的投资理念不是很适合我。 我试着买了几只那个基金经理建议的股票, : 可是最后的结果并不怎么好。 : 在我的学习和研究的过程,我碰到了股息投资策略,我很感兴趣,于是我买了以下两本 : 书来学习:
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s********u 发帖数: 1054 | 4 股息1万的话估计楼主的帐户在30万以上。 本金小的投资者可以买类似策略的ETF 比如
SDY 或者INDEX FUND。
【在 d*****r 的大作中提到】 : 在投资方面,2010年对我来说是一个转型的一年。在2009年底,在我换了又一个工作以 : 后,我不知道怎么处理我在上个雇主存下的401k,激烈的市场动荡使我很谨慎。 当时 : ,我的投资方法就是打一枪换一个地方,我收集了来自不同来源的信息,并试图找到最 : 热门的股票来低买高卖。同时,2008年的股市大跌又使我非常小心。 我甚至找到一家 : 财务管理公司,要把钱交给他们来管理,他们进门的门槛很低,每年收取2%的管理费 : , 我下载了他们的申请书,打电话与基金经理交谈过,并经常浏览其网站。不过,我 : 当时感觉他们的投资理念不是很适合我。 我试着买了几只那个基金经理建议的股票, : 可是最后的结果并不怎么好。 : 在我的学习和研究的过程,我碰到了股息投资策略,我很感兴趣,于是我买了以下两本 : 书来学习:
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h*******s 发帖数: 3932 | 5 对啊,股息不股息,羊毛出在羊身上,如果股票除息之后没变化甚至跌,也没用啊。以
后股息的税率也要提高了吧。
【在 p******i 的大作中提到】 : 你给出的数字没有意义啊
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f*****b 发帖数: 1649 | 6 广告贴?
【在 d*****r 的大作中提到】 : 在投资方面,2010年对我来说是一个转型的一年。在2009年底,在我换了又一个工作以 : 后,我不知道怎么处理我在上个雇主存下的401k,激烈的市场动荡使我很谨慎。 当时 : ,我的投资方法就是打一枪换一个地方,我收集了来自不同来源的信息,并试图找到最 : 热门的股票来低买高卖。同时,2008年的股市大跌又使我非常小心。 我甚至找到一家 : 财务管理公司,要把钱交给他们来管理,他们进门的门槛很低,每年收取2%的管理费 : , 我下载了他们的申请书,打电话与基金经理交谈过,并经常浏览其网站。不过,我 : 当时感觉他们的投资理念不是很适合我。 我试着买了几只那个基金经理建议的股票, : 可是最后的结果并不怎么好。 : 在我的学习和研究的过程,我碰到了股息投资策略,我很感兴趣,于是我买了以下两本 : 书来学习:
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s********u 发帖数: 1054 | 7 采取类似策略的 ETF SDY 是OUTPERFORM 大盘的。
【在 h*******s 的大作中提到】 : 对啊,股息不股息,羊毛出在羊身上,如果股票除息之后没变化甚至跌,也没用啊。以 : 后股息的税率也要提高了吧。
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D******y 发帖数: 3780 | 8 co-ask
【在 f*****b 的大作中提到】 : 广告贴?
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d*****r 发帖数: 273 | 9 My strategy is to invest high dividend stock with high dividend growth. In
10 years, my yield over cost would be 6-7% and in 20 years the yield over
cost would be over 20%. The dividend alone would be enough to cover my all expenses and I will not need to touch a cent from the principles.
So instead of accumulating $2M, according to some calculation, and
withdrawing 4% every year during retirement, I will be able to retire with
much less principle, but enough dividend.
I will write some posts on dividend investment and how this strategy works.
【在 h*******s 的大作中提到】 : 对啊,股息不股息,羊毛出在羊身上,如果股票除息之后没变化甚至跌,也没用啊。以 : 后股息的税率也要提高了吧。
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d*****r 发帖数: 273 | 10 I only want to share my thoughts and investment strategy.
【在 D******y 的大作中提到】 : co-ask
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d*****r 发帖数: 273 | 11 Not over $300K. I have already seen that dividend hike increases my yield
over cost and I am not paying the expenses that come with SDY or any Index
Fund. I keep all the money :-)
【在 s********u 的大作中提到】 : 股息1万的话估计楼主的帐户在30万以上。 本金小的投资者可以买类似策略的ETF 比如 : SDY 或者INDEX FUND。
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h****h 发帖数: 1168 | 12 u mean u saved < 1% by doing all the hard work?
【在 d*****r 的大作中提到】 : Not over $300K. I have already seen that dividend hike increases my yield : over cost and I am not paying the expenses that come with SDY or any Index : Fund. I keep all the money :-)
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d*****r 发帖数: 273 | 13 It is every year. If 20 years, it is more than 10%, right? For me, I am not
rich, every little bit counts.
【在 h****h 的大作中提到】 : u mean u saved < 1% by doing all the hard work?
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K****D 发帖数: 30533 | 14 Chasing high dividend is a dangerous play. In hard times, high
dividend yield stocks (often small cap) may suffer fast price
drop and have to cut the dividend, which is typically followed
by another sharp drop in stock price.
No stock can sustain 10% dividend per year. If the stock price
doesn't increase (so that the ratio can be lowered), it will
have to cut the dividend at some point.
No matter if a stock has a growing dividend trend or not, at the
cutting time, the change can be drastic, e.g., from 5% to 0.1%.
expenses and I will not need to touch a cent from the principles.
【在 d*****r 的大作中提到】 : My strategy is to invest high dividend stock with high dividend growth. In : 10 years, my yield over cost would be 6-7% and in 20 years the yield over : cost would be over 20%. The dividend alone would be enough to cover my all expenses and I will not need to touch a cent from the principles. : So instead of accumulating $2M, according to some calculation, and : withdrawing 4% every year during retirement, I will be able to retire with : much less principle, but enough dividend. : I will write some posts on dividend investment and how this strategy works.
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l******g 发帖数: 743 | 15 agree with this
sometimes it results in double hire cut
check out the previous high dividend darling stock: FRO
it used to pay 10~20% dividend at the time share price increased by 100%
annually
【在 K****D 的大作中提到】 : Chasing high dividend is a dangerous play. In hard times, high : dividend yield stocks (often small cap) may suffer fast price : drop and have to cut the dividend, which is typically followed : by another sharp drop in stock price. : No stock can sustain 10% dividend per year. If the stock price : doesn't increase (so that the ratio can be lowered), it will : have to cut the dividend at some point. : No matter if a stock has a growing dividend trend or not, at the : cutting time, the change can be drastic, e.g., from 5% to 0.1%. :
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d*****r 发帖数: 273 | 16 I totally agree with you. Chasing high dividend is very dangerous. If you
look at my portfolio, you can see that all my dividend stock holdings have
decent dividend yield while having long dividend hike history. I am very
careful about my stock selection.
Thanks for your opinion.
【在 K****D 的大作中提到】 : Chasing high dividend is a dangerous play. In hard times, high : dividend yield stocks (often small cap) may suffer fast price : drop and have to cut the dividend, which is typically followed : by another sharp drop in stock price. : No stock can sustain 10% dividend per year. If the stock price : doesn't increase (so that the ratio can be lowered), it will : have to cut the dividend at some point. : No matter if a stock has a growing dividend trend or not, at the : cutting time, the change can be drastic, e.g., from 5% to 0.1%. :
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d*****r 发帖数: 273 | 17 My learning experience includes AOD. When I bought it, its yield was 12%.
Then in the middle of last year, its dividend was cut in half and its price dropped 50% too. It is a double hair cut. It was a good learning experience for me, though I only had a small holding of AOD.
【在 l******g 的大作中提到】 : agree with this : sometimes it results in double hire cut : check out the previous high dividend darling stock: FRO : it used to pay 10~20% dividend at the time share price increased by 100% : annually
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y****e 发帖数: 23939 | 18 那么多股息,不是多缴税么。显然不如长期资本所得划算啊。 |
d*****r 发帖数: 273 | 19 The tax on dividend these years is fixed at 5 or 15% depending on your
income tax level.
All my holdings at this moment are in tax-deferred account, so no tax at all.
【在 y****e 的大作中提到】 : 那么多股息,不是多缴税么。显然不如长期资本所得划算啊。
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K****D 发帖数: 30533 | 20 Only if you hold your stock 120 days continuously. Not a problem
for long term investors.
all.
【在 d*****r 的大作中提到】 : The tax on dividend these years is fixed at 5 or 15% depending on your : income tax level. : All my holdings at this moment are in tax-deferred account, so no tax at all.
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r******7 发帖数: 58 | 21 多谢分享。
请问有没有一个网页简单的总结这几本书?
有没有什么机构用这种方法投资?
【在 d*****r 的大作中提到】 : 在投资方面,2010年对我来说是一个转型的一年。在2009年底,在我换了又一个工作以 : 后,我不知道怎么处理我在上个雇主存下的401k,激烈的市场动荡使我很谨慎。 当时 : ,我的投资方法就是打一枪换一个地方,我收集了来自不同来源的信息,并试图找到最 : 热门的股票来低买高卖。同时,2008年的股市大跌又使我非常小心。 我甚至找到一家 : 财务管理公司,要把钱交给他们来管理,他们进门的门槛很低,每年收取2%的管理费 : , 我下载了他们的申请书,打电话与基金经理交谈过,并经常浏览其网站。不过,我 : 当时感觉他们的投资理念不是很适合我。 我试着买了几只那个基金经理建议的股票, : 可是最后的结果并不怎么好。 : 在我的学习和研究的过程,我碰到了股息投资策略,我很感兴趣,于是我买了以下两本 : 书来学习:
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d*****r 发帖数: 273 | 22 Very brief review at
http://cn.dividendengineer.com/?page_id=6
I am going to post my thoughts and investment strategy on http://cn.dividendengineer.com in future. There are few dividend investment mutual funds such as SDY, VIG etc. But as I said before, I did not choose them due to cost and inflexibility.
【在 r******7 的大作中提到】 : 多谢分享。 : 请问有没有一个网页简单的总结这几本书? : 有没有什么机构用这种方法投资?
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m*****i 发帖数: 628 | 23 近几个月很多杂志(kiplinger,money,etc) 都推荐高yield股票。
认为是hedge inflation的方法之一。
我同意这个观点。
但是投资最怕跟风。请问楼主去年的return是多少%?
高yield ETF (vig, vym)收益也不spy, ivv好多少。
's Investor
3
。
【在 d*****r 的大作中提到】 : 在投资方面,2010年对我来说是一个转型的一年。在2009年底,在我换了又一个工作以 : 后,我不知道怎么处理我在上个雇主存下的401k,激烈的市场动荡使我很谨慎。 当时 : ,我的投资方法就是打一枪换一个地方,我收集了来自不同来源的信息,并试图找到最 : 热门的股票来低买高卖。同时,2008年的股市大跌又使我非常小心。 我甚至找到一家 : 财务管理公司,要把钱交给他们来管理,他们进门的门槛很低,每年收取2%的管理费 : , 我下载了他们的申请书,打电话与基金经理交谈过,并经常浏览其网站。不过,我 : 当时感觉他们的投资理念不是很适合我。 我试着买了几只那个基金经理建议的股票, : 可是最后的结果并不怎么好。 : 在我的学习和研究的过程,我碰到了股息投资策略,我很感兴趣,于是我买了以下两本 : 书来学习:
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m*****i 发帖数: 628 | 24 dividend税是年年扒皮。price appreaciation, 只要不卖,就不交税。
所以high yield的基金,sdy, vig, vym...在tax shelter账户里好些。
【在 h*******s 的大作中提到】 : 对啊,股息不股息,羊毛出在羊身上,如果股票除息之后没变化甚至跌,也没用啊。以 : 后股息的税率也要提高了吧。
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m*****i 发帖数: 628 | 25 sdy did. buy vig vym didn't
。以
【在 s********u 的大作中提到】 : 采取类似策略的 ETF SDY 是OUTPERFORM 大盘的。
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d*****r 发帖数: 273 | 26 I did not calculate my annual return last year as my money was held in
several tax-sheltered accounts. Nor do I care about the annual return. My
ultimate goal is that the dividend alone is enough to cover my retirement
need when I retire. By then, I do not care about the price of my stocks as I
do not need to sell stocks to withdraw money.
Dividend investment strategy gives me a different mind set: when the market
is down, I am happy because I can buy stock with higher yield. Just like
when you buy a house for rental property, you would be happy when the price
of the house is down, rather up.
【在 m*****i 的大作中提到】 : 近几个月很多杂志(kiplinger,money,etc) 都推荐高yield股票。 : 认为是hedge inflation的方法之一。 : 我同意这个观点。 : 但是投资最怕跟风。请问楼主去年的return是多少%? : 高yield ETF (vig, vym)收益也不spy, ivv好多少。 : : 's Investor : 3 : 。
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s********u 发帖数: 1054 | 27 比较认同你的理念。不过我有一点疑问。 你买了那么多股票, COMMISION COST 不是不少吗? 假如我只买SDY, 应该省了一些COMMISION, 当然我得给些管理费。 不知道你计算过没有, 到底是哪种方式比较COST EFFECTIVE。
I
market
price
【在 d*****r 的大作中提到】 : I did not calculate my annual return last year as my money was held in : several tax-sheltered accounts. Nor do I care about the annual return. My : ultimate goal is that the dividend alone is enough to cover my retirement : need when I retire. By then, I do not care about the price of my stocks as I : do not need to sell stocks to withdraw money. : Dividend investment strategy gives me a different mind set: when the market : is down, I am happy because I can buy stock with higher yield. Just like : when you buy a house for rental property, you would be happy when the price : of the house is down, rather up.
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d*****r 发帖数: 273 | 28 1) First, I am not a trader. I am a buy-and-monitor investor. I make sure that the commission is less than 0.5% of each transaction. Recently I got some free trade from my broker, which is very good.
2) For SDY, when you buy and sell, there is trading expense. On top of that, SDY has an expense ratio of 0.35%. For a 200K account, that would be $700 per year, which is enough to trade 200 to 80 times, depending on your trading commission. I trade much less than that.
3) I would like to maintain the freedom of picking stocks that meet my
criteria.
是不少吗? 假如我只买SDY, 应该省了一些COMMISION, 当然我得给些管理费。 不知
道你计算过没有, 到底是哪种方式比较COST EFFECTIVE。
【在 s********u 的大作中提到】 : 比较认同你的理念。不过我有一点疑问。 你买了那么多股票, COMMISION COST 不是不少吗? 假如我只买SDY, 应该省了一些COMMISION, 当然我得给些管理费。 不知道你计算过没有, 到底是哪种方式比较COST EFFECTIVE。 : : I : market : price
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l******g 发帖数: 743 | 29 there are a few other cash flow investment strategies
1) how about emerging market bonds? One of my big holdings is a fidelity
bond fund with 13+% return this year. In fact it has 13.8% on average
for the past 10years.
2) how about rental house business? It can give better cash flow plus
potential equity appreciation.
3) and there are specifically design annuities vehicles for the income
after retirement
this is an interesting topic
keep up the thread
My
retirement
stocks as I
market
like
price
【在 d*****r 的大作中提到】 : I did not calculate my annual return last year as my money was held in : several tax-sheltered accounts. Nor do I care about the annual return. My : ultimate goal is that the dividend alone is enough to cover my retirement : need when I retire. By then, I do not care about the price of my stocks as I : do not need to sell stocks to withdraw money. : Dividend investment strategy gives me a different mind set: when the market : is down, I am happy because I can buy stock with higher yield. Just like : when you buy a house for rental property, you would be happy when the price : of the house is down, rather up.
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x******n 发帖数: 1328 | 30 一年2%的管理费是不是很高?管理公司真的能constantly beat market 2%以上么?
【在 d*****r 的大作中提到】 : 在投资方面,2010年对我来说是一个转型的一年。在2009年底,在我换了又一个工作以 : 后,我不知道怎么处理我在上个雇主存下的401k,激烈的市场动荡使我很谨慎。 当时 : ,我的投资方法就是打一枪换一个地方,我收集了来自不同来源的信息,并试图找到最 : 热门的股票来低买高卖。同时,2008年的股市大跌又使我非常小心。 我甚至找到一家 : 财务管理公司,要把钱交给他们来管理,他们进门的门槛很低,每年收取2%的管理费 : , 我下载了他们的申请书,打电话与基金经理交谈过,并经常浏览其网站。不过,我 : 当时感觉他们的投资理念不是很适合我。 我试着买了几只那个基金经理建议的股票, : 可是最后的结果并不怎么好。 : 在我的学习和研究的过程,我碰到了股息投资策略,我很感兴趣,于是我买了以下两本 : 书来学习:
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d*****r 发帖数: 273 | 31 2% is very very high, in my eye.
【在 x******n 的大作中提到】 : 一年2%的管理费是不是很高?管理公司真的能constantly beat market 2%以上么?
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C***r 发帖数: 844 | 32 Your blog http://cn.dividendengineer.com/?page_id=42 shows PEP (pepsico) has a dividend rate of 5.63%, while yahoo and google finance both show a rate of around 2.9%.
【在 d*****r 的大作中提到】 : 在投资方面,2010年对我来说是一个转型的一年。在2009年底,在我换了又一个工作以 : 后,我不知道怎么处理我在上个雇主存下的401k,激烈的市场动荡使我很谨慎。 当时 : ,我的投资方法就是打一枪换一个地方,我收集了来自不同来源的信息,并试图找到最 : 热门的股票来低买高卖。同时,2008年的股市大跌又使我非常小心。 我甚至找到一家 : 财务管理公司,要把钱交给他们来管理,他们进门的门槛很低,每年收取2%的管理费 : , 我下载了他们的申请书,打电话与基金经理交谈过,并经常浏览其网站。不过,我 : 当时感觉他们的投资理念不是很适合我。 我试着买了几只那个基金经理建议的股票, : 可是最后的结果并不怎么好。 : 在我的学习和研究的过程,我碰到了股息投资策略,我很感兴趣,于是我买了以下两本 : 书来学习:
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d*****r 发帖数: 273 | 33 Thanks a lot for pointing it out. I put the wrong the number in.
【在 C***r 的大作中提到】 : Your blog http://cn.dividendengineer.com/?page_id=42 shows PEP (pepsico) has a dividend rate of 5.63%, while yahoo and google finance both show a rate of around 2.9%.
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d*****r 发帖数: 273 | 34 I just did another post on how annual fees affect total returns
http://cn.dividendengineer.com/?p=165
0.25%的年费用能吃掉近10%的投资回报?
2% annual fee in 10 years will eat away 18% of your total return, 20 years
26%, 40 years 55%.
So it is very very expensive.
【在 x******n 的大作中提到】 : 一年2%的管理费是不是很高?管理公司真的能constantly beat market 2%以上么?
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g****d 发帖数: 88 | 35 I think your conclusion here is not clear.
2% annual fee in 10 years will eat away 18% of your total return is not
right. It actually eats 18+% of your total VALUE including your principal!
How how total return it costs depending on your return rate before the cost.
If your return rate is 2%, it eats 100%. If you have less than 2%, it eats
more than 100%.
If your return rate is X, 10 years you would have return of (1+X)^10 - 1.0.
With the expenses, your return is (0.098+x)^10 - 1.0.
The number should be much much more than 18% for any real world return such
as 10 before the cost.
【在 d*****r 的大作中提到】 : I just did another post on how annual fees affect total returns : http://cn.dividendengineer.com/?p=165 : 0.25%的年费用能吃掉近10%的投资回报? : 2% annual fee in 10 years will eat away 18% of your total return, 20 years : 26%, 40 years 55%. : So it is very very expensive.
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d*****r 发帖数: 273 | 36 Thank you and I think you are right. It is much more expensive than 2%,
which sounds like a real small number, in the long term.
cost.
eats
.
such
【在 g****d 的大作中提到】 : I think your conclusion here is not clear. : 2% annual fee in 10 years will eat away 18% of your total return is not : right. It actually eats 18+% of your total VALUE including your principal! : How how total return it costs depending on your return rate before the cost. : If your return rate is 2%, it eats 100%. If you have less than 2%, it eats : more than 100%. : If your return rate is X, 10 years you would have return of (1+X)^10 - 1.0. : With the expenses, your return is (0.098+x)^10 - 1.0. : The number should be much much more than 18% for any real world return such : as 10 before the cost.
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l******u 发帖数: 3169 | 37 That 1% is compunded.
It is important for a long term investor to remember what is compounded and
what is not. The 1% management fee is but for example your stock commission
for DCA is not.
【在 h****h 的大作中提到】 : u mean u saved < 1% by doing all the hard work?
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l******u 发帖数: 3169 | 38 for 5 years, maybe
for 30 years, hell no!
【在 x******n 的大作中提到】 : 一年2%的管理费是不是很高?管理公司真的能constantly beat market 2%以上么?
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l******u 发帖数: 3169 | 39 收藏了你的网站,第一次看到中文的dividend growth类的博客
keep up the good work!
that the commission is less than 0.5% of each transaction. Recently I got
some free trade from my broker, which is very good.
that, SDY has an expense ratio of 0.35%. For a 200K account, that would be $
700 per year, which is enough to trade 200 to 80 times, depending on your
trading commission. I trade much less than that.
【在 d*****r 的大作中提到】 : 1) First, I am not a trader. I am a buy-and-monitor investor. I make sure that the commission is less than 0.5% of each transaction. Recently I got some free trade from my broker, which is very good. : 2) For SDY, when you buy and sell, there is trading expense. On top of that, SDY has an expense ratio of 0.35%. For a 200K account, that would be $700 per year, which is enough to trade 200 to 80 times, depending on your trading commission. I trade much less than that. : 3) I would like to maintain the freedom of picking stocks that meet my : criteria. : : 是不少吗? 假如我只买SDY, 应该省了一些COMMISION, 当然我得给些管理费。 不知 : 道你计算过没有, 到底是哪种方式比较COST EFFECTIVE。
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l******u 发帖数: 3169 | 40 原则上说是这样,但是有两个问题:
第一,tax shelter账户是封顶偏低;
第二,如果是公司的401K,dollar cost averaging into individual stocks may
introduce a lot of commission cost,but low cost ETF might be a good choice
there. The question is for a bigger account, the management fee can be as
hefty as the commissions.
其实投资说来说去还是个人喜好的问题。
【在 m*****i 的大作中提到】 : sdy did. buy vig vym didn't : : 。以
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h**n 发帖数: 1232 | |