w****e 发帖数: 261 | 1 对TF,STOCK都不懂,请建议
林外, 准备1-2年内买房 |
b******l 发帖数: 299 | 2 除了定期储蓄,没有适合楼主要求的投资,建议:马上买房吧
【在 w****e 的大作中提到】 : 对TF,STOCK都不懂,请建议 : 林外, 准备1-2年内买房
|
S********e 发帖数: 1557 | 3 买房,20%首付,越快越好。现在利率非常低,房价开始上涨。不要迟疑。
剩下的钱投股市,如果自己不懂,可以请专业人士打理。
【在 w****e 的大作中提到】 : 对TF,STOCK都不懂,请建议 : 林外, 准备1-2年内买房
|
g**n 发帖数: 25142 | 4 同感
利率已经过了最低点
开始上涨了
而房价则迅速反弹
【在 S********e 的大作中提到】 : 买房,20%首付,越快越好。现在利率非常低,房价开始上涨。不要迟疑。 : 剩下的钱投股市,如果自己不懂,可以请专业人士打理。
|
c******x 发帖数: 215 | 5 请问一下这个“专业人士”怎么找啊?银行的financial adviser? 有什么推荐吗?
【在 S********e 的大作中提到】 : 买房,20%首付,越快越好。现在利率非常低,房价开始上涨。不要迟疑。 : 剩下的钱投股市,如果自己不懂,可以请专业人士打理。
|
s********z 发帖数: 5411 | 6 no no, never go to a financial advisor. they would rip you off big time.
Just use 60% of your money to buy vti and the other 40% on BND. Do a
rebalance every year and forget about it.
【在 c******x 的大作中提到】 : 请问一下这个“专业人士”怎么找啊?银行的financial adviser? 有什么推荐吗?
|
s********z 发帖数: 5411 | 7 CFAs are sales men as well. You need financial planner.
The only acceptable way of using financial planner is a straight hourly fee
based model. You pay for his knowledge and that's it.
having said that, i think all Chinese coming to US should be smart enough to
manage on their own. Just need to spend some time to learn.
here is a great resource:
http://www.bogleheads.org/wiki/Main_Page
【在 S********e 的大作中提到】 : 买房,20%首付,越快越好。现在利率非常低,房价开始上涨。不要迟疑。 : 剩下的钱投股市,如果自己不懂,可以请专业人士打理。
|
D*******a 发帖数: 3688 | 8 which ones can hook you up with money managers like bernie madoff?
fee
to
【在 s********z 的大作中提到】 : CFAs are sales men as well. You need financial planner. : The only acceptable way of using financial planner is a straight hourly fee : based model. You pay for his knowledge and that's it. : having said that, i think all Chinese coming to US should be smart enough to : manage on their own. Just need to spend some time to learn. : here is a great resource: : http://www.bogleheads.org/wiki/Main_Page
|
s********n 发帖数: 1962 | 9 CFA只是一个资格认证,就跟GRE差不多,不是一个职业。纽约这里满大街的CFA。
fee
to
【在 s********z 的大作中提到】 : CFAs are sales men as well. You need financial planner. : The only acceptable way of using financial planner is a straight hourly fee : based model. You pay for his knowledge and that's it. : having said that, i think all Chinese coming to US should be smart enough to : manage on their own. Just need to spend some time to learn. : here is a great resource: : http://www.bogleheads.org/wiki/Main_Page
|
s********z 发帖数: 5411 | 10 there is no free lunch. the more difficult it is to get, the more you, the
investor, needs to pay.
I personally would never use CFAs or planners. If I get 10M tomorrow, the
only person I would talk to would be a CPA.
Just because it worked out for you for a few years doesn't mean anything.
If I win lottery some day, I wouldn't jump up and down, telling everyone go
buy lottery ticket.
there are so much research out there showing CFAs, Planners, managers,
nobody can beat the market in the long run, nobody except Bernie.
It
mortgage,
【在 S********e 的大作中提到】 : 买房,20%首付,越快越好。现在利率非常低,房价开始上涨。不要迟疑。 : 剩下的钱投股市,如果自己不懂,可以请专业人士打理。
|
|
|
s********z 发帖数: 5411 | 11 yes, there are people who beat market; and yes, buffet did. but you should
have told me 30 years ago and the other 99% of active managers lost to
market.
also, there are people who won big lottery; so by your logic, you should go
spend all your money on lottery.
a
you
Buffet.
【在 S********e 的大作中提到】 : 买房,20%首付,越快越好。现在利率非常低,房价开始上涨。不要迟疑。 : 剩下的钱投股市,如果自己不懂,可以请专业人士打理。
|
k***n 发帖数: 3158 | 12 Madoff generated reasonalbe return for many people for many years
just saying...
maybe you can share more about how did you select that CFA, what made you
believe that he/she can help you beat the market in the next 30 years.
It
mortgage,
【在 S********e 的大作中提到】 : 买房,20%首付,越快越好。现在利率非常低,房价开始上涨。不要迟疑。 : 剩下的钱投股市,如果自己不懂,可以请专业人士打理。
|
g**n 发帖数: 25142 | 13 谢谢
这个就是自己做股/债投资平衡是么?
看起来的确不复杂
应该基本可以跟上大盘的波动对么?
对了,roth IRA可以买这两只ETF吧?
【在 s********z 的大作中提到】 : no no, never go to a financial advisor. they would rip you off big time. : Just use 60% of your money to buy vti and the other 40% on BND. Do a : rebalance every year and forget about it.
|
k***n 发帖数: 3158 | 14 you still did'nt tell how you selected him/her
he/she is good looking, has a good track record, has a good trading system
that you can understand and trust?
btw, who on this board did not survive in 2008-2009? Even S&P has almost
recovered now.
next
Why
survive
【在 S********e 的大作中提到】 : 买房,20%首付,越快越好。现在利率非常低,房价开始上涨。不要迟疑。 : 剩下的钱投股市,如果自己不懂,可以请专业人士打理。
|
k***n 发帖数: 3158 | 15
Even Buffet lost money in 2008-2009. Do you think there is a big
difference between your trader and Buffet's performance in longer term?
Paulson made a boat load of money in 2008-2009, does it mean he is so
much better than other fund managers according to your standard?
All I asked is if you think you find a good guy managing your money and
you are willing to share your experience, it would be better to share
your criteira seleting such traders.
【在 S********e 的大作中提到】 : 买房,20%首付,越快越好。现在利率非常低,房价开始上涨。不要迟疑。 : 剩下的钱投股市,如果自己不懂,可以请专业人士打理。
|
S*******s 发帖数: 10098 | 16 你的回帖太偏见了, 好的advisor 给你带去的value 远远超过fee。
【在 s********z 的大作中提到】 : no no, never go to a financial advisor. they would rip you off big time. : Just use 60% of your money to buy vti and the other 40% on BND. Do a : rebalance every year and forget about it.
|
q****x 发帖数: 7404 | 17 好的advisor比你钱多多了,会搭理220k的小账户?加俩零吧。
【在 S*******s 的大作中提到】 : 你的回帖太偏见了, 好的advisor 给你带去的value 远远超过fee。
|
S*******s 发帖数: 10098 | 18 好的Advisor 对所有客户都一视同仁。 客户钱不多的话要能帮他/她“找出”钱来。
资产多的, 当然投资策略很不同, 资产少的又有一番challange.
【在 q****x 的大作中提到】 : 好的advisor比你钱多多了,会搭理220k的小账户?加俩零吧。
|
q****x 发帖数: 7404 | 19 这是活雷锋。
好律师贵,好医生贵,好CFA就特殊?
【在 S*******s 的大作中提到】 : 好的Advisor 对所有客户都一视同仁。 客户钱不多的话要能帮他/她“找出”钱来。 : 资产多的, 当然投资策略很不同, 资产少的又有一番challange.
|
S*******s 发帖数: 10098 | 20 理财顾问就必须有点利他精神的, 很多招聘广告就那么说。
【在 q****x 的大作中提到】 : 这是活雷锋。 : 好律师贵,好医生贵,好CFA就特殊?
|
|
|
s********z 发帖数: 5411 | 21 利他精神的早在人类进化的过程中被淘汰了,哈哈
【在 S*******s 的大作中提到】 : 理财顾问就必须有点利他精神的, 很多招聘广告就那么说。
|
S*******s 发帖数: 10098 | 22 你自己没有, 不见得别人没有啊, 巴非特不是捐款了?
【在 s********z 的大作中提到】 : 利他精神的早在人类进化的过程中被淘汰了,哈哈
|
b******y 发帖数: 1684 | 23 我的理解是,从利益出发,他可能看好你未来财富增长成他的大客户。还有就是你可能
带来referred clients
★ 发自iPhone App: ChineseWeb 7.5
【在 q****x 的大作中提到】 : 这是活雷锋。 : 好律师贵,好医生贵,好CFA就特殊?
|
b******y 发帖数: 1684 | 24 你可以相信有活雷锋,但是business is business
★ 发自iPhone App: ChineseWeb 7.5
【在 S*******s 的大作中提到】 : 你自己没有, 不见得别人没有啊, 巴非特不是捐款了?
|
b******y 发帖数: 1684 | 25 你可以相信有活雷锋,但是business is business
★ 发自iPhone App: ChineseWeb 7.5
【在 S*******s 的大作中提到】 : 你自己没有, 不见得别人没有啊, 巴非特不是捐款了?
|