j********g
发帖数: 427 | 1 最近买了vanguard retirement fund,这两天亏了2%，考古说这种是很稳妥的，会不会
长期亏下去哇，菜鸟一个，还是这种fund很不保险啊 | D*****t
发帖数: 558 | 2 if you think 2% is too much for you to handle, imagine this: let's take VG
2045 for example. At the peak of the financial crisis, it had lost >50% form
its peak to the bottom. but it has since recovered nicely. two days, 2%, or
2 years 50%, these are just short term noise and mean nothing for
retirement investors. | r****m
发帖数: 1204 | 3 If you are looking for an investment without volatility, then fund is not
the kind of vehicle you should use.
Depending on which target date fund, some of them could be very volatile,
but just as DasHoot said, ignore the short term noise, actually, after
bought it, just ignore it, until you are near the target date. | a*******6
发帖数: 64 | 4 是不是retirement的fund，基本买了就不要管了？
还是 如果看到fund近期快开始跌了，就卖了，等跌到底升之前再买？ 这个一般时机不
好把握所以就没有必要这么做？ 不过想象08年很多人的fund缩水一半，是不可避免的
？能够做的只是推迟退休时间，等到这些fund涨上来再退休？
新手请轻拍。:) | D*****t
发帖数: 558 | 5 the best strategy for retirement investing is buy and hold. this is my
opinion. many people on this board agree with me, many don't. market timing
( trading or opportunistic investing, whatever you call it )can be done by a
small number of people, but requires knowledge and skills most people don't
have. lots of novel investors buy a fund and sell the fund when its price
rise 10%. then they miss another 20% on the way up, become greedy again, buy
again at the very top only to find market down 20%. They get nervous, sell
the fund at the bottom, and miss the next leg up. Instead of buying low and
selling high, people tend to buy high and sell low. To avoid this, people
like us, by us I mean average people, should adopt a startegy that buys and
holds a diversified portfolio and avoid market timing altogether. You can
buy a bunch of different asset classes using mutual funds or ETFs. Or you
can buy the so called target retirement funds, which are essentially
prepackaged funds that are diversified portfolios by itself. Then keep
adding money to it (DCA), till you retire. | D*****t
发帖数: 558 | 6 to answer the last part of your question: when you buy a target retirement
fund (say 2040), as time progresses, fund manager will gradually decrease
the fund's risk profile by increasing bond allocation and reducing equity
allocation. This way, when you are near retirement age, it's quite unlikely
that you will have a huge hair cut. ( nobody can guarantee complete risk
free even with a 100% bond portfolio)
【在 a*******6 的大作中提到】
: 是不是retirement的fund，基本买了就不要管了？
: 还是 如果看到fund近期快开始跌了，就卖了，等跌到底升之前再买？ 这个一般时机不
: 好把握所以就没有必要这么做？ 不过想象08年很多人的fund缩水一半，是不可避免的
: ？能够做的只是推迟退休时间，等到这些fund涨上来再退休？
: 新手请轻拍。:)
| a*******6
发帖数: 64 | 7 有道理。反正也是30年后了，市场也许会上上下下好几次呢。
那些retirement fund基本都是根据时间推移会调节投资的组合？
timing
a
't
buy
sell
and
and
【在 D*****t 的大作中提到】
: the best strategy for retirement investing is buy and hold. this is my
: opinion. many people on this board agree with me, many don't. market timing
: ( trading or opportunistic investing, whatever you call it )can be done by a
: small number of people, but requires knowledge and skills most people don't
: have. lots of novel investors buy a fund and sell the fund when its price
: rise 10%. then they miss another 20% on the way up, become greedy again, buy
: again at the very top only to find market down 20%. They get nervous, sell
: the fund at the bottom, and miss the next leg up. Instead of buying low and
: selling high, people tend to buy high and sell low. To avoid this, people
: like us, by us I mean average people, should adopt a startegy that buys and
|
|
