e*****e
发帖数: 1570 | 1 辞职2年多了，一直没去弄。前雇主倒是可以keep我的401K投资，只是每个月要charge
几块钱。这两年401K里面虽说没有了公司match，但是还是一直在随着大盘往上涨。辞
职到现在涨了$6000多，现在一共有3万多。
按理倒腾到Fidelity了，又是401K，就选个长期投资组合放在那里算了，但是突然又想
全部买股票，选一些蓝筹股，作为长期投资的话，怎么都会涨。这样做是否有点冒险？
肯定有朋友问我承受能力如何？这3万损失了又如何？虽然3万损失了也不会有什么，但
是毕竟投资还是想获利，尤其是长期投资。
另外，版上对长期投资，401K组合，MF组合我也都看过了。基本上是买大盘MF，large
cap, middle cap, small cap vs. value, blend, growth；big cap, mid cap,
small cap各一个买了放在那里就是了。 不过，目前大盘都在高点。要买这样的投资
组合，就等一波行情下去再考虑。如今S&P都要破2000了。
想听听各位的建议？ | e*****e
发帖数: 1570 | 2 Gus Sauter: If Investors Wait for Calm in the Stock Market, They Will Wait
Forever
Even though there is a veritable mountain of cash on the sidelines, we'll
have to wait to see if the recent investment into the stock market becomes a
trend. It's certainly encouraging to see investors re-enter the market, but
not because it heralds the start of a new bull market. In fact, the U.S.
stock market, as measured by the CRSP Total Market Index, is up in each of
the past four years, for a cumulative gain of 78%, as follows:
2009: 28.9%
2010: 17.9%
2011: 0.7%
2012: 16.2%
2009-2012: 77.8%
Hopefully, investors that have a long time horizon are starting to believe
that it is safe to go back in the water. Otherwise, it will be very
difficult for them to reach their long-term financial goals. It is said that
the market climbs a wall of worry, and the performance above certainly
reinforces that. There is a very good lesson in this. The reason the stock
market has historically provided superior returns is because of its
volatility and uncertainty, otherwise known as risk.
I have no idea whether the market will extend the string of stellar returns
into 2013, but I strongly believe that investors that have a long time
horizon will be well served by committing to an appropriate strategic equity
allocation, with the realization that there will be volatility and it may
be a scary ride at times. Investors that are waiting for the market
volatility to calm down and for more certainty will be waiting for the rest
of their lives.
George U. "Gus" Sauter is a senior consultant to Vanguard. From 2003 through
2012, Mr. Sauter served as Vanguard's chief investment officer. | m**x
发帖数: 8454 | 3 蓝筹股风险已经很小了，长期肯定是涨的， 很多还有红利。退休年越遥远，
portforlio可以越aggresive
谁都想找个好点的进入点，问题是这个很难预测。即使知道现在处于历史高点，也不能
肯定过了两三年来看今天这个点还算不算高点了。
charge
large
cap,
【在 e*****e 的大作中提到】
: 辞职2年多了，一直没去弄。前雇主倒是可以keep我的401K投资，只是每个月要charge
: 几块钱。这两年401K里面虽说没有了公司match，但是还是一直在随着大盘往上涨。辞
: 职到现在涨了$6000多，现在一共有3万多。
: 按理倒腾到Fidelity了，又是401K，就选个长期投资组合放在那里算了，但是突然又想
: 全部买股票，选一些蓝筹股，作为长期投资的话，怎么都会涨。这样做是否有点冒险？
: 肯定有朋友问我承受能力如何？这3万损失了又如何？虽然3万损失了也不会有什么，但
: 是毕竟投资还是想获利，尤其是长期投资。
: 另外，版上对长期投资，401K组合，MF组合我也都看过了。基本上是买大盘MF，large
: cap, middle cap, small cap vs. value, blend, growth；big cap, mid cap,
: small cap各一个买了放在那里就是了。 不过，目前大盘都在高点。要买这样的投资
| m****a
发帖数: 2593 | 4 2008: -38%
2002: -20%
a
but
【在 e*****e 的大作中提到】
: Gus Sauter: If Investors Wait for Calm in the Stock Market, They Will Wait
: Forever
: Even though there is a veritable mountain of cash on the sidelines, we'll
: have to wait to see if the recent investment into the stock market becomes a
: trend. It's certainly encouraging to see investors re-enter the market, but
: not because it heralds the start of a new bull market. In fact, the U.S.
: stock market, as measured by the CRSP Total Market Index, is up in each of
: the past four years, for a cumulative gain of 78%, as follows:
: 2009: 28.9%
: 2010: 17.9%
| e*****e
发帖数: 1570 | 5 谢谢回复。你说得很多。我已经采取措施了
【在 m**x 的大作中提到】
: 蓝筹股风险已经很小了，长期肯定是涨的， 很多还有红利。退休年越遥远，
: portforlio可以越aggresive
: 谁都想找个好点的进入点，问题是这个很难预测。即使知道现在处于历史高点，也不能
: 肯定过了两三年来看今天这个点还算不算高点了。
:
: charge
: large
: cap,
| l***s
发帖数: 841 | 6 既然有手续费，那就转出来吧。买S&P index，跟大市走。
charge
large
cap,
【在 e*****e 的大作中提到】
: 辞职2年多了，一直没去弄。前雇主倒是可以keep我的401K投资，只是每个月要charge
: 几块钱。这两年401K里面虽说没有了公司match，但是还是一直在随着大盘往上涨。辞
: 职到现在涨了$6000多，现在一共有3万多。
: 按理倒腾到Fidelity了，又是401K，就选个长期投资组合放在那里算了，但是突然又想
: 全部买股票，选一些蓝筹股，作为长期投资的话，怎么都会涨。这样做是否有点冒险？
: 肯定有朋友问我承受能力如何？这3万损失了又如何？虽然3万损失了也不会有什么，但
: 是毕竟投资还是想获利，尤其是长期投资。
: 另外，版上对长期投资，401K组合，MF组合我也都看过了。基本上是买大盘MF，large
: cap, middle cap, small cap vs. value, blend, growth；big cap, mid cap,
: small cap各一个买了放在那里就是了。 不过，目前大盘都在高点。要买这样的投资
|
|
