s******d
发帖数: 323 | 1 工作6年，每年自己基本都放满。现在自己和雇主一共存了$110k.现在的total 是$133k
. 这是不是回报很低？ |
u****q
发帖数: 24345 | |
t***s
发帖数: 4666 | 3 低。显然没有beat 大市，比如sp5000。你2008年入市应该时机很好的。
是不是bond比例太大？
工作八年，每年放满，现在有$320k+.
133k
【在 s******d 的大作中提到】
: 工作6年，每年自己基本都放满。现在自己和雇主一共存了$110k.现在的total 是$133k
: . 这是不是回报很低？
|
a****1
发帖数: 385 | 4 6年investment income才2万多？这个真的不多吧 |
s******d
发帖数: 323 | 5 对啊！我自己也算了一下这么少的话怎么能靠这养老？ |
M********r
发帖数: 278 | 6 能告诉我们你现在的401K都放什么了？ 除了你现在放的还有别的什么选择？给你一个
bench mark, 下面这个link是几个balanced portfolio的annualized return, 过去5年
的annualized return应该在10-13%， 你可以照着这几个组合，自己建一个。如果你的
plan里有类似target date fund, 也是很好的选择。
http://www.marketwatch.com/lazyportfolio
【在 s******d 的大作中提到】
: 对啊！我自己也算了一下这么少的话怎么能靠这养老？
|
S**C
发帖数: 2964 | 7 Probably you can share what is the lineup of your plan, what your major
moves during the past six years (stay in cash most of the time? trade
backwards?)
133k
【在 s******d 的大作中提到】
: 工作6年，每年自己基本都放满。现在自己和雇主一共存了$110k.现在的total 是$133k
: . 这是不是回报很低？
|
s******d
发帖数: 323 | 8 Sorry. Can not type in Chinese. This is my allocations. Can anybody help
take a look?
Templeton Global Bond A 5%
Janus Overseas N 9%
DFA International Value I 9%
T. Rowe Price Large Cap Value 27%
Vanguard Interm-Term Bond Index Adm 5%
Invesco SmallCapValue Y 9%
Ivy Small Cap Growth Y 9%
Fidelity Advisor New Insights I 27%
|
M********r
发帖数: 278 | 9 looks to me it has adequate risk exposure. i am very surprised. Do you
always have this allocation? Did you trade or change your portfolio over the
years? |
S**C
发帖数: 2964 | 10 That's why I ask if he stayed in cash most of the time or often traded
backwards. |
|
|
M********r
发帖数: 278 | 11 Then this would be another example of investor behavior hurting performance.
The current allocation is actually very aggressive and should have
generated handsome gain for LZ during the last 5-6 years.
【在 S**C 的大作中提到】
: That's why I ask if he stayed in cash most of the time or often traded
: backwards.
|
s******d
发帖数: 323 | 12 中间换了好几家公司，我都不记得的选的什么了。 下面是现在公司的选项。
估计数据都错行了， 但最后一个数是expense，前面是不同年份的收益。
请大家帮忙看看。我自己注意到我没选S&P 500，它的expense好像很低。 多谢！
3
Investment option 1 mo 3 mo YTD 1 yr 3 yr 5 yr
10 yr std dev expense
Advantus Money Market -0.01 -0.04 -0.09 -0.16 -0.16 -0.17
1.35 0.02 0.34
Templeton Global Bond -0.13 2.36 3.32 7.14 4.23 7.45 9
.2 9.28 0.63
Vanguard Interm-Term Bond Index Adm -0.3 1.21 4.58 4.24 3.8
5.92 5.38 4.17 0.28
Vanguard Long-Term Investment-Grade Adm 0.28 2.89 11.53 11.76
8.28 9.37 7.15 8.17 0.3
PIMCO Low Duration -0.44 0.02 0.57 1.59 1.77 3.28 3.58
2.26 0.58
Pyramis® Large Cap Core -1.29 3.61 4.53 17.33 15.24 16
.26 9.51 13.52 0.56
Victory Inst Diversified Stock -0.76 4.12 5 15.46 15.72 14
.27 7.62 14.78 0.72
Advantus S&P 500® Index -1.4 2.94 5.49 16.61 16.48 16.
41 7.55 12.18 0.22
Fidelity Advisor New Insights -2.22 3.29 4.01 17.39 14.92
16.17 10.42 12.41 0.76
Janus Opportunistic Growth -0.33 5.82 2.3 17.02 13.64 16.
23 11.79 17.4 0.61
T. Rowe Price Large Cap Value -2.53 2.13 6.59 17.84 18.89
17.99 9.05 13.79 0.55
Disciplined Growth Mid Cap Growth -2.55 1.89 0.47 15.12 17.7
21.06 12.43 16.23 0.76
Goldman Sachs Mid Cap Growth -2.5 3.47 2.43 14.61 15.48 17
.24 10.38 15.58 0.73
Ivy Small Cap Growth -6.23 1.69 -4.53 9.51 11.57 18.25
10.59 17.3 0.99
Invesco SmallCapValue -5.31 -2.21 2.84 14.3 18.75 19.46
12.5 21.18 0.83
Janus Overseas -2.47 5.91 2.08 15.31 -0.26 3.38 10.25
24.98 0.56
DFA International Value -2.23 0.01 2.74 16.28 6.39 8.34
7.45 17.76 0.48
T. Rowe Price Health Sciences 0.87 8.61 11.59 27.14 28.77
26.32 16.11 15.31 0.82
Ivy Real Estate Securities -0.09 3.16 16.95 12.64 10.06
19.6 8.74 15.87 0.95
Vanguard LifeStrategy Cnsrv Gr Inv -0.76 1.69 4.19 8.62 6.67
8.31 5.42 5.64 0.33
Vanguard LifeStrategy Growth Inv -1.5 2.18 4.41 13.3 10.8
12.45 6.79 10.93 0.35
Vanguard LifeStrategy Moderate Gr Inv -1.13 1.91 4.27 10.91 8
.83 10.52 6.28 8.14 0.34
Vanguard Wellesley Income Adm -1.03 0.93 4.78 8.31 9.36 10
.24 7.23 4.61 0.36
|
S**C
发帖数: 2964 | 13 I will use
Vanguard Wellesley Income Adm (US large value and corporate bonds)
DFA International Value (developed market large cap)
Templeton Global Bond (foreign bonds, currently for the past couple of years
mostly emerging market bonds).
to build bulk of my 401k portfolio.
If I want more US bond, I will add Vanguard Interm-Term Bond Index Adm even
though bond index never makes sense to me, OK as ballast.
If I want more US equity, I will add Advantus S&P 500 Index, or T.
Rowe Price Large Cap Value is a viable choice.
It leaves a gap, emerging markets, which you probably need to shop elsewhere
in your IRA or taxable, Janus Overseas has a lot of EM, but I never like
their feast or famine type of thing.
Another option is to pick one or mix two Vanguard Lifestrategy funds. |
M********r
发帖数: 278 | 14 I will avoid Janus like the plague. |
S**C
发帖数: 2964 | 15 In all fairness, Janus Overseas is not that bad, low turnover, low fee,
small AUM (now), long tenured manager, and I vaguely remember they do close
fund from time to time. Its investors behavior at least partly to be blamed.
The guy will be much more successful if he manages a CEF rather than an OEF.
【在 M********r 的大作中提到】
: I will avoid Janus like the plague.
|
M********r
发帖数: 278 | 16 You are right. JAOSX is a relative solid fund within the jANUS family. My
issue with Janus is the way the company is managed. At least in the 2000's,
the herd behavior of Janus funds, especially in the large growth category,
led to the company taking huge positions of the same stocks among its
various funds. In crisis, they were unable to liquidate or reduce their
holdings, which hurt them badly. The company was also implicated in some
sort of fraud and was investigated by SEC. Their star managers are long gone
and they like to promote their young and unseasoned analysts to manage
funds, which could be problematic. |
L*1
发帖数: 11537 | 17 还是在大点的公司好，比如Vanguard，Fidelity。 |
a*******a
发帖数: 4233 | 18 你年轻，承受风险能力强，多投到股市里比较好
133k
【在 s******d 的大作中提到】
: 工作6年，每年自己基本都放满。现在自己和雇主一共存了$110k.现在的total 是$133k
: . 这是不是回报很低？
|
