r*****l
发帖数: 354 | 1 LD的退休金计划提供以下Funds，请问是应该选过去回报率高的，还是expense ratio低
的啊？
我们40+了，种种原因，现在只有一个人工作。现在退休金有一半左右在Bond，
MoneyMarket。感觉太保守了，回报很低。Total Contribution:246K,Balance: 278K.
因为我在家，所以开始管投资。但是看了些书，还是很没头绪。我选了Lord Abbett
Developing Growth Fund Class I
可以吗？谢谢。
%CREF Stock
%CREF Global Equities
%CREF Growth
%CREF Equity Index
%T. Rowe Price Institutional Large Cap Growth
%TIAA-CREF International Equity Index Fund - Instl Class
%TIAA-CREF Large-Cap Growth Index Fund - Institutional Class
%TIAA-CREF Large-Cap Value Index Fund - Institutional Class
%Vanguard 500 Index Fund - Signal Shares
%Lord Abbett Developing Growth Fund Class I
%Vanguard Extended Market Index Fund Signal Class
%American Funds EuroPacific Growth Fund - R6
%ING Global Real Estate Fund - Class I
%Vanguard REIT Index Fund Signal Class Shares
%T. Rowe Price Institutional Large Cap Value Fund
%DFA US Targeted Value Portfolio Institutional Class
%DFA Emerging Markets Value Portfolio Institutional
%Vanguard Emerging Markets Stock Index Fund Signal Class |
r***e
发帖数: 2539 | 2
厉害啊，光退休金就
Total Contribution:246K,Balance: 278K
.
【在 r*****l 的大作中提到】
: LD的退休金计划提供以下Funds，请问是应该选过去回报率高的，还是expense ratio低
: 的啊？
: 我们40+了，种种原因，现在只有一个人工作。现在退休金有一半左右在Bond，
: MoneyMarket。感觉太保守了，回报很低。Total Contribution:246K,Balance: 278K.
: 因为我在家，所以开始管投资。但是看了些书，还是很没头绪。我选了Lord Abbett
: Developing Growth Fund Class I
: 可以吗？谢谢。
: %CREF Stock
: %CREF Global Equities
: %CREF Growth
|
c*****e
发帖数: 1106 | 3 Lord Abbett Developing Growth Fund is a decent fund, but this should not be your core holding. This retirement plan is outstanding with many excellent choices in both index and actively managed funds. I don't see any bond fund or MM/stable value fund. I don't like any bond fund at this point, but I hope there is a competitive MM/stable value fund where you can park some cash.
I would suggest to pick the following (index or actively managed) funds to make up your portfolio
TIAA-CREF Large-Cap Growth Index Fund - Institutional Class
OR
T. Rowe Price Institutional Large Cap Growth
TIAA-CREF Large-Cap Value Index Fund - Institutional Class
OR
T. Rowe Price Institutional Large Cap Value Fund
Vanguard Extended Market Index Fund Signal Class
OR
Lord Abbett Developing Growth Fund Class I (small growth) AND
DFA US Targeted Value Portfolio Institutional Class (small value)
TIAA-CREF International Equity Index Fund - Instl Class
OR
American Funds EuroPacific Growth Fund - R6
Vanguard Emerging Markets Stock Index Fund Signal Class
OR
DFA Emerging Markets Value Portfolio Institutional |
r*****l
发帖数: 354 | 4 Thanks a lot.
Did you mean to pick one from a pair and then hold multiple finds?
I didn't list the bond/MM because 42% of our current retirment amount is
already in Bond and MM. We made a bad decision and moved our money out of
growth funds to Bonds/MM when the market was almost the lowest. Once we
moved the money out, we lost courage and never moved it back to Growth fund.
Now I plan to keep them there but invest new contributions to equity fund.
楼上的楼上不知道是不是在说反话？
我们的财产大部分就是这些税前的退休金了。工作了十年多了，还有十几年就退休。这
些税前的退休金是以前两人工作时，年年放满的，加上employers的match，才这么点。
现在孩子们开始花钱，加上就一个人工作了，退休金也存不了多少了。很惶恐，而且投
资决策太困难了，要不然也不会上网上来自曝家丑。:(
be your core holding. This retirement plan is outstanding with many
excellent choices in both index and actively managed funds. I don't see any
bond fund or MM/stable value fund. I don't like any bond fund at this point,
but I hope there is a competitive MM/stable value fund where you can park
some cash.
make up your portfolio
【在 c*****e 的大作中提到】
: Lord Abbett Developing Growth Fund is a decent fund, but this should not be your core holding. This retirement plan is outstanding with many excellent choices in both index and actively managed funds. I don't see any bond fund or MM/stable value fund. I don't like any bond fund at this point, but I hope there is a competitive MM/stable value fund where you can park some cash.
: I would suggest to pick the following (index or actively managed) funds to make up your portfolio
: TIAA-CREF Large-Cap Growth Index Fund - Institutional Class
: OR
: T. Rowe Price Institutional Large Cap Growth
: TIAA-CREF Large-Cap Value Index Fund - Institutional Class
: OR
: T. Rowe Price Institutional Large Cap Value Fund
: Vanguard Extended Market Index Fund Signal Class
: OR
|
c*****e
发帖数: 1106 | 5 对，第一个是Index，第二个是acitively managed 基金。
我觉得跟一般大公司的401K相比，你这个计划里的index 基金很不错。
但有一些很好的acitively managed funds。
我可能会选这些基金，
理由
1.主选index 基金，费用很低。
2.但选两个很好的acitively managed Institutional Class Int'l 基金, 主要是这样的基金， 尤其是侧重于Emerging Markets的，退休金计划之外，零售投资者很难涉足类似价廉物美的理财产品.
，不用可惜。
3.我留了15%，If the Money Market fund has a decent yield, I would keep some
cash and only buy on big dips. If the yield is too low, you can park it or
more in Real Return type of bond funds, like PARRX, I would not buy any
market tracking intermediate/long bond funds.They are too richly valued in
my opinion.
下面几点你要仔细考虑
1.具体分配。
2.要考虑慢慢入市，最近涨得蛮快。Buy on dips。
TIAA-CREF Large-Cap Growth Index Fund - Institutional Class
20%
TIAA-CREF Large-Cap Value Index Fund - Institutional Class
20%
Vanguard Extended Market Index Fund Signal Class
10%
TIAA-CREF International Equity Index Fund - Instl Class
15%
American Funds EuroPacific Growth Fund - R6
10%
DFA Emerging Markets Value Portfolio Institutional
10% |
a***r
发帖数: 146 | 6 The four Vanguard funds alone offer a very diversified portfolio. Choosing a
percentage ratio fitting your risk tolerance, you have a basic investment
portfolio ready to go.
.
【在 r*****l 的大作中提到】
: LD的退休金计划提供以下Funds，请问是应该选过去回报率高的，还是expense ratio低
: 的啊？
: 我们40+了，种种原因，现在只有一个人工作。现在退休金有一半左右在Bond，
: MoneyMarket。感觉太保守了，回报很低。Total Contribution:246K,Balance: 278K.
: 因为我在家，所以开始管投资。但是看了些书，还是很没头绪。我选了Lord Abbett
: Developing Growth Fund Class I
: 可以吗？谢谢。
: %CREF Stock
: %CREF Global Equities
: %CREF Growth
|
r*****l
发帖数: 354 | 7 Thanks a lot for your suggestions. I got the idea. I need to be more
diversified. I will check into my bond funds and MM fund. |
c*******e
发帖数: 8624 | 8 一半一半没什么不好的,等index fund跌30%就all in
.
【在 r*****l 的大作中提到】
: LD的退休金计划提供以下Funds，请问是应该选过去回报率高的，还是expense ratio低
: 的啊？
: 我们40+了，种种原因，现在只有一个人工作。现在退休金有一半左右在Bond，
: MoneyMarket。感觉太保守了，回报很低。Total Contribution:246K,Balance: 278K.
: 因为我在家，所以开始管投资。但是看了些书，还是很没头绪。我选了Lord Abbett
: Developing Growth Fund Class I
: 可以吗？谢谢。
: %CREF Stock
: %CREF Global Equities
: %CREF Growth
|
r*****l
发帖数: 354 | 9 问题在于目前为止，我们timing the market的时候总是错的。本来大跌的时候已经过
了，刚涨没多久，就觉得要回调了，于是卖了Growth funds，换成了MM和Bond和
Inflation-linked-Bond,真真是损失惨重。
现在决定不time the market了，hold住。
【在 c*******e 的大作中提到】
: 一半一半没什么不好的,等index fund跌30%就all in
:
: .
|
