b**y
发帖数: 94 | 1 My 401K was allocated by default to Vangard Target Retirement 2045 (I
started saving about 3 months ago).Since then, I was losing money quite
dramatically. The fund apparently had too much exposure to the stock market,
which was not doing well in the past few months.
I was a little scared, so today I moved all my 401K fund to Vangard Total
Bond Market Index. Is this a wise thing to do now? Any comments or
suggestions are welcome. |
k***n
发帖数: 3158 | 2 no
sell low and buy high will never make money for you
market,
【在 b**y 的大作中提到】
: My 401K was allocated by default to Vangard Target Retirement 2045 (I
: started saving about 3 months ago).Since then, I was losing money quite
: dramatically. The fund apparently had too much exposure to the stock market,
: which was not doing well in the past few months.
: I was a little scared, so today I moved all my 401K fund to Vangard Total
: Bond Market Index. Is this a wise thing to do now? Any comments or
: suggestions are welcome.
|
b**y
发帖数: 94 | 3 But the Vangard Target Retirement 2045 fund is still going down,since the
stock market is still very bad.
Why should I hold onto something that's falling off the cliff? |
b**y
发帖数: 94 | 4 And the bond market seems to be pretty stable. At least I could see no sign
of change in this market in the near future. |
b**y
发帖数: 94 | 5 请牛人指点一下，刚入市就被吓着了。看着血汗钱被人轻易抹去，真不甘心啊 |
k***n
发帖数: 3158 | 6 if you have confidence on your timing, by all means, try it
otherwise, DCA would be better for you in long term
nobody can give you suggestions that really help you time the market better
sign
【在 b**y 的大作中提到】
: And the bond market seems to be pretty stable. At least I could see no sign
: of change in this market in the near future.
|
k***n
发帖数: 3158 | 7 nobody can tell you when you should rebalance your positions
but believe me, you would have a much higher possibility to lose more
if reblance your positions simply driven by your emotions.
【在 b**y 的大作中提到】
: 请牛人指点一下，刚入市就被吓着了。看着血汗钱被人轻易抹去，真不甘心啊
|
s********y
发帖数: 3811 | 8 everyone posted this kind of question should go read some basic investment
books first.
better
【在 k***n 的大作中提到】
: if you have confidence on your timing, by all means, try it
: otherwise, DCA would be better for you in long term
: nobody can give you suggestions that really help you time the market better
:
: sign
|
b**y
发帖数: 94 | 9 看来被secondcity鄙视了。
我是诚心来求教的，牛人们有什么好建议，还请不吝赐教。
下面是我Vangard上面的所有fund.
Group A Funds
Vanguard Target Retirement Income VTINX
Vanguard Target Retirement 2010 VTENX
Vanguard Target Retirement 2015 VTXVX
Vanguard Target Retirement 2020 VTWNX
Vanguard Target Retirement 2025 VTTVX
Vanguard Target Retirement 2030 VTHRX
Vanguard Target Retirement 2035 VTTHX
Vanguard Target Retirement 2040 VFORX
Vanguard Target Retirement 2045 VTIVX
Vanguard Target Retirement 2050 VFIFX
Vanguard Target Retirement 2055 VFFVX
Vanguard Target Retirement 2060 VTTSX
Group B Funds
Vanguard Prime Money Mkt Fund VMMXX
Vanguard Total Bond Mkt Index Inv VBMFX
Vanguard Total Stock Mkt Idx Inv VTSMX
Vanguard Total Intl Stock Ix Inv VGTSX
Group C Funds
PIMCO Total Return Admin PTRAX
Vanguard Wellington Fund Inv VWELX
Columbia Mid Cap Value Z NAMAX
Vanguard 500 Index Fund Inv VFINX
Vanguard Explorer Fund Investor VEXPX
Vanguard Extended Mkt Index Inv VEXMX
Vanguard PRIMECAP Fund Investor VPMCX
Vanguard Windsor II Fund Inv VWNFX
Vanguard International Growth Inv VWIGX
Vanguard International Value Fund VTRIX |
q****x
发帖数: 7404 | 10 build a portfolio based on the following. go to morningstar.com to do your
research.
Vanguard Prime Money Mkt Fund VMMXX
Vanguard Total Bond Mkt Index Inv VBMFX
Vanguard Total Stock Mkt Idx Inv VTSMX
Vanguard Total Intl Stock Ix Inv VGTSX
PIMCO Total Return Admin PTRAX
Vanguard Wellington Fund Inv VWELX
Vanguard 500 Index Fund Inv VFINX
Vanguard Explorer Fund Investor VEXPX
Vanguard Extended Mkt Index Inv VEXMX
Vanguard PRIMECAP Fund Investor VPMCX
Vanguard Windsor II Fund Inv VWNFX
Vanguard International Growth Inv VWIGX
Vanguard International Value Fund VTRIX
【在 b**y 的大作中提到】
: 看来被secondcity鄙视了。
: 我是诚心来求教的，牛人们有什么好建议，还请不吝赐教。
: 下面是我Vangard上面的所有fund.
: Group A Funds
: Vanguard Target Retirement Income VTINX
: Vanguard Target Retirement 2010 VTENX
: Vanguard Target Retirement 2015 VTXVX
: Vanguard Target Retirement 2020 VTWNX
: Vanguard Target Retirement 2025 VTTVX
: Vanguard Target Retirement 2030 VTHRX
|
|
|
s********z
发帖数: 5411 | 11 you did the worst thing you can possibly do.
move back to 2045, Max out it and the forget about it
market,
【在 b**y 的大作中提到】
: My 401K was allocated by default to Vangard Target Retirement 2045 (I
: started saving about 3 months ago).Since then, I was losing money quite
: dramatically. The fund apparently had too much exposure to the stock market,
: which was not doing well in the past few months.
: I was a little scared, so today I moved all my 401K fund to Vangard Total
: Bond Market Index. Is this a wise thing to do now? Any comments or
: suggestions are welcome.
|
s********n
发帖数: 1962 | 12 Just stick with 2045 and forget about it. Check back when it's 2045.
The more frequently you try to predict the direction of a market,
the higher chance you will lose.
【在 b**y 的大作中提到】
: 看来被secondcity鄙视了。
: 我是诚心来求教的，牛人们有什么好建议，还请不吝赐教。
: 下面是我Vangard上面的所有fund.
: Group A Funds
: Vanguard Target Retirement Income VTINX
: Vanguard Target Retirement 2010 VTENX
: Vanguard Target Retirement 2015 VTXVX
: Vanguard Target Retirement 2020 VTWNX
: Vanguard Target Retirement 2025 VTTVX
: Vanguard Target Retirement 2030 VTHRX
|
b****n
发帖数: 993 | 13 这个世界上肯定有比那个Target 2045好的投资方式，不过想要在这个版上问到的几率
很小。而且，到各大论坛上求教的结果绝大多数会比这个2045还糟糕，因为比它好的投
资固然有，比它坏的更是不计其数。所以，建议楼主还是把钱放回去，别管了。如果想
自己管，那就认真读书，不停地思考和实践，也许有一天会做到比这个2045更牛。不过
话说回来，把这份精力花在自己专业和兴趣上，收获肯定会大得多。
【在 b**y 的大作中提到】
: 看来被secondcity鄙视了。
: 我是诚心来求教的，牛人们有什么好建议，还请不吝赐教。
: 下面是我Vangard上面的所有fund.
: Group A Funds
: Vanguard Target Retirement Income VTINX
: Vanguard Target Retirement 2010 VTENX
: Vanguard Target Retirement 2015 VTXVX
: Vanguard Target Retirement 2020 VTWNX
: Vanguard Target Retirement 2025 VTTVX
: Vanguard Target Retirement 2030 VTHRX
|
s********y
发帖数: 3811 | 14 exactly my point.
【在 b****n 的大作中提到】
: 这个世界上肯定有比那个Target 2045好的投资方式，不过想要在这个版上问到的几率
: 很小。而且，到各大论坛上求教的结果绝大多数会比这个2045还糟糕，因为比它好的投
: 资固然有，比它坏的更是不计其数。所以，建议楼主还是把钱放回去，别管了。如果想
: 自己管，那就认真读书，不停地思考和实践，也许有一天会做到比这个2045更牛。不过
: 话说回来，把这份精力花在自己专业和兴趣上，收获肯定会大得多。
|
s********y
发帖数: 3811 | 15 u missed my point. it has nothing to do with your 诚心来求教. investment's
strategy is very personal and complicated. for long term u cannot just
follow others' suggestion to have a good performance..
【在 b**y 的大作中提到】
: 看来被secondcity鄙视了。
: 我是诚心来求教的，牛人们有什么好建议，还请不吝赐教。
: 下面是我Vangard上面的所有fund.
: Group A Funds
: Vanguard Target Retirement Income VTINX
: Vanguard Target Retirement 2010 VTENX
: Vanguard Target Retirement 2015 VTXVX
: Vanguard Target Retirement 2020 VTWNX
: Vanguard Target Retirement 2025 VTTVX
: Vanguard Target Retirement 2030 VTHRX
|
h****h
发帖数: 1168 | 16 u can try invest 50% into this 2045, 50% into cash/bond,
then try to trade < 5 times per year,
and then compare the results.
and if u see nyt has title of "crash! panic!", buybuybuy
market,
【在 b**y 的大作中提到】
: My 401K was allocated by default to Vangard Target Retirement 2045 (I
: started saving about 3 months ago).Since then, I was losing money quite
: dramatically. The fund apparently had too much exposure to the stock market,
: which was not doing well in the past few months.
: I was a little scared, so today I moved all my 401K fund to Vangard Total
: Bond Market Index. Is this a wise thing to do now? Any comments or
: suggestions are welcome.
|
