a**********t
发帖数: 141 | 1 刚工作，在版上看了不少帖子，给自己的401k 选了一下 投资分类，但还是不确定是否
对，请大家帮忙看看。
bond: Expense Ratio:
Dfa Inflation Protected Securities 0.12
Goldman Sachs Us Mortgages Inst 0.38
Metropolitan West Total Return Bond 0.4
Prudential High Yield Z 0.58
Vanguard Short Term Federal Admn 0.1
Equity:
American Century Equity Growth Inv 0.67
Goldman Sachs Small Cap Value Inst 0.98
Janus Triton 0.76
Mfs International Value R4 0.89
Oppenheimer International Diversified Y 1.02
Oppenheimer International Small Company Y 1.00
Principal Mid Cap R5 0.86
Schwab S&P Index 0.09
Vanguard Mid Cap Index Fund Adml 0.09
Vanguard Windsor Inv 0.37
Virtus Emerging Market Opportunities Inst 1.37
Wells Fargo Premier Large Company Growth Inst 0.71
Money Market:
Federated Automated Cash Management Trust Ss
本着低expense ratio 的原则，我选择了 Schwab S&P Index 45%
Vanguard Mid Cap Index Fund Adml 30%
Dfa Inflation Protected Securities 10%
Vanguard Short Term Federal Admn 15%
请大家帮忙看看，多谢！！ |
m*********y
发帖数: 1890 | 2 Agree. Rebalance annually.
【在 a**********t 的大作中提到】
: 刚工作，在版上看了不少帖子，给自己的401k 选了一下 投资分类，但还是不确定是否
: 对，请大家帮忙看看。
: bond: Expense Ratio:
: Dfa Inflation Protected Securities 0.12
: Goldman Sachs Us Mortgages Inst 0.38
: Metropolitan West Total Return Bond 0.4
: Prudential High Yield Z 0.58
: Vanguard Short Term Federal Admn 0.1
: Equity:
: American Century Equity Growth Inv 0.67
|
u****e
发帖数: 99 | 3 On the right path. Congrats.
1. No international in you choice. You don't have to get one; but if you
believe in value of adding it as ,
More diversification in your total asset, consider adding one in your Roth.
2. Make sure you understand the bond fund you choose. The short term one
typically is for near term use. The yield is usually lower. Intermediate
term is more common choice in 401k. The inflation protected bond fund is
good, but understand it is tied to inflation. And usually longer term.
Very good chice over all. At this stage, saving rate is more important than
asset allocation. Learn more and revisit when you have more asset.
【在 a**********t 的大作中提到】
: 刚工作，在版上看了不少帖子，给自己的401k 选了一下 投资分类，但还是不确定是否
: 对，请大家帮忙看看。
: bond: Expense Ratio:
: Dfa Inflation Protected Securities 0.12
: Goldman Sachs Us Mortgages Inst 0.38
: Metropolitan West Total Return Bond 0.4
: Prudential High Yield Z 0.58
: Vanguard Short Term Federal Admn 0.1
: Equity:
: American Century Equity Growth Inv 0.67
|
a**********t
发帖数: 141 | 4 多谢前辈！根据你的建议，稍微改动了一下，short-term bond 换成了intermediate
term 的Goldman Sachs Us Mortgages Inst 。 |
u****e
发帖数: 99 | 5 Not familiar with this one but name indicates it is primary mortgage backed
bond. This is just a part of total bond market. It is ok for the time being;
your previous choice was ok too, actually. Bond fund price is sensitive to
interest rate change In the opposite direction, so if fed declare interest
increase, bond price will decrease temporarily. The longer term, the more
price change. Nothing to worry about, increased yield will make it up. Don't
change asset allocation based on price change. Bond is for safety, not
return.
【在 a**********t 的大作中提到】
: 多谢前辈！根据你的建议，稍微改动了一下，short-term bond 换成了intermediate
: term 的Goldman Sachs Us Mortgages Inst 。
|
a**********t
发帖数: 141 | 6 Thanks for your advice. Learned a lot from you.
backed
being;
to
't
【在 u****e 的大作中提到】
: Not familiar with this one but name indicates it is primary mortgage backed
: bond. This is just a part of total bond market. It is ok for the time being;
: your previous choice was ok too, actually. Bond fund price is sensitive to
: interest rate change In the opposite direction, so if fed declare interest
: increase, bond price will decrease temporarily. The longer term, the more
: price change. Nothing to worry about, increased yield will make it up. Don't
: change asset allocation based on price change. Bond is for safety, not
: return.
|
u****e
发帖数: 99 | 7 Google "boglehead forum" and "boglehead wiki". For long term investing and
retirement planning, Everything you need is there, and much more. Start with
"three fund portfolio".
【在 a**********t 的大作中提到】
: Thanks for your advice. Learned a lot from you.
:
: backed
: being;
: to
: 't
|
j**1
发帖数: 27 | 8 if just start your saving, the bond fund could be a total return fund.
Actually MWTIX (Metro total return) is a great option from your list, and
may be a better one than GSUIX in my opinion.
You can check out the performances and other info from morningstar.com.
Anyway, start saving earlier is a great decision. Good luck.
【在 m*********y 的大作中提到】
: Agree. Rebalance annually.
|
