i********g
发帖数: 444 | 1 很久没研究这个了, 都忘了当初帐户里买啥了, 放着一直没管. 今天早上打算把今年的
IRA contribute进去一些, 就去看了下. 瞎, performance实在是差, 没想明白为啥当
初要买个以bond为主的MF. 我买的是VWINX, 一点不符合我年轻人的作风嘛. 去年的
yield才7%, 前年好像也差不多8%的样子, 随便买个指数也轻松beat了. 果断把它换成
以stock为主的MF了. 研究了下, 好像VMRGX还行撒, 大家觉得呢? 或者给推荐几个
vanguard的MF考虑下呀? | s**********d
发帖数: 36899 | 2 don't chase performance.
★ 发自iPhone App: ChineseWeb 8.6
【在 i********g 的大作中提到】
: 很久没研究这个了, 都忘了当初帐户里买啥了, 放着一直没管. 今天早上打算把今年的
: IRA contribute进去一些, 就去看了下. 瞎, performance实在是差, 没想明白为啥当
: 初要买个以bond为主的MF. 我买的是VWINX, 一点不符合我年轻人的作风嘛. 去年的
: yield才7%, 前年好像也差不多8%的样子, 随便买个指数也轻松beat了. 果断把它换成
: 以stock为主的MF了. 研究了下, 好像VMRGX还行撒, 大家觉得呢? 或者给推荐几个
: vanguard的MF考虑下呀?
| r****m
发帖数: 1204 | 3 Yes, past performance is no indication of future performance.
But, I really don't like bond funds for young people, and even mid aged
people in today's environment. | M********r
发帖数: 278 | 4 the best time to switch to VMRGX form VWINX was early 2009. you have already
missed 250% gain. This is typical buy high sell low. if you strongly
believe bond is not appropriate for young investors as Redsim does, who i
don't agree with, then by all means make the switch as you wish. However i
don't think that is the case for you. You will very likely sell VMRGX in the
future and buy back a bond fund or hybrid fund just for the sake of chasing
performance. I highly recommend reading a few books before you make any
decision.
【在 i********g 的大作中提到】
: 很久没研究这个了, 都忘了当初帐户里买啥了, 放着一直没管. 今天早上打算把今年的
: IRA contribute进去一些, 就去看了下. 瞎, performance实在是差, 没想明白为啥当
: 初要买个以bond为主的MF. 我买的是VWINX, 一点不符合我年轻人的作风嘛. 去年的
: yield才7%, 前年好像也差不多8%的样子, 随便买个指数也轻松beat了. 果断把它换成
: 以stock为主的MF了. 研究了下, 好像VMRGX还行撒, 大家觉得呢? 或者给推荐几个
: vanguard的MF考虑下呀?
| i********g
发帖数: 444 | 5 Thanks for the opinion. I didn't even know about IRA in 2009. I was too
young too simple at that time. Actually the performance of VMRGX was really
good last year. I missed it too. It was a good timing last year to invest on
stock funds, while I invested on a bond fund. This year the stock market
looks a bit volatile. So it might be a good idea to put some portions on
bond funds to keep the portfolio diversified. But my problem is I don't have
a lot of money on my IRA account to split on couple of funds. I guess a
hybrid fund as you mentioned might be the best choice for me. Can you
recommend any of them? Thanks!
already
the
chasing
【在 M********r 的大作中提到】
: the best time to switch to VMRGX form VWINX was early 2009. you have already
: missed 250% gain. This is typical buy high sell low. if you strongly
: believe bond is not appropriate for young investors as Redsim does, who i
: don't agree with, then by all means make the switch as you wish. However i
: don't think that is the case for you. You will very likely sell VMRGX in the
: future and buy back a bond fund or hybrid fund just for the sake of chasing
: performance. I highly recommend reading a few books before you make any
: decision.
| M********r
发帖数: 278 | 6 Vanguard Star fund is a great hybrid fund with very low minimum. You can buy
it for as little as $1000. But keep in mind, it's a hybrid fund, ie a
mixture of stocks and bonds, just as the VWINX you currently own (the star
fund has a higher percentage in stocks than VWINX). as such, it won't have a
stellar performance in a bull market as VMRGX, which is a pure growth stock
fund. If you can tolerate the volatility and the risk with a stock fund,
VMRGX is a fine fund, but it may perform badly in a bear market. The whole
point of my post is to tell you not to time the market. Chasing performance
is the best way to ruin performance. | z**********i
发帖数: 12276 | 7 说了半天，请推荐个费用低点，收益相对还可以的。
谢谢！
buy
a
stock
performance
【在 M********r 的大作中提到】
: Vanguard Star fund is a great hybrid fund with very low minimum. You can buy
: it for as little as $1000. But keep in mind, it's a hybrid fund, ie a
: mixture of stocks and bonds, just as the VWINX you currently own (the star
: fund has a higher percentage in stocks than VWINX). as such, it won't have a
: stellar performance in a bull market as VMRGX, which is a pure growth stock
: fund. If you can tolerate the volatility and the risk with a stock fund,
: VMRGX is a fine fund, but it may perform badly in a bear market. The whole
: point of my post is to tell you not to time the market. Chasing performance
: is the best way to ruin performance.
| D**d
发帖数: 1186 | 8 最新的研究表明，还是要追涨杀跌。建议至少每个季度都调整一下。 |
|
