D*****l
发帖数: 357 | 1 麻烦大家指点下401K的选择。。。应该怎么组合呢？本人40岁。谢谢
FID CONTRAFUND K (FCNKX)
05/17/1967
Stock Investments Large Cap 10.40% 17.55% 17.24% 9.95%
HTFD DIV & GRTH R5 (HDGTX)
07/22/1996
Stock Investments Large Cap 4.26% 16.05% 15.61% 8.37%
SPTN 500 INDEX INST (FXSIX)
02/17/1988
Stock Investments Large Cap 7.40% 17.28% 17.31% 7.87%
JANUS ENTERPRISE N (JDMNX)
09/01/1992
Stock Investments Mid-Cap 13.29% 19.29% 18.77% 10.96%
JH DSCPL VAL MDCP R6 (JVMRX)
06/02/1997
Stock Investments Mid-Cap 8.87% 21.49% 20.04% 11.45%
SPTN EXT MKT IDX ADV (FSEVX)
11/05/1997
Stock Investments Mid-Cap 6.32% 19.11% 18.17% 9.69%
ALZGI NFJ SMCPVL ADM (PVADX)
10/01/1991
Stock Investments Small Cap -3.63% 13.65% 13.46% 8.77%
WFA SM CO GROWTH I (WSCGX)
11/11/1994
Stock Investments Small Cap 12.19% 23.40% 22.61% 10.60%
AMER NEW PERSPECT R4 (RNPEX)
03/13/1973
Stock Investments International 5.31% 15.20% 13.85% 8.87%
FID DIVERSIFD INTL K (FDIKX)
12/27/1991
Stock Investments International 2.25% 14.26% 11.54% 6.06%
SPTN INTL INDEX ADV (FSIVX)
11/05/1997
Stock Investments International -4.14% 12.01% 9.89% 5.27%
AMERICAN BALANCED R4 (RLBEX)
07/25/1975
Blended Fund Investments* N/A 4.15% 12.11% 12.89% 6.95%
VANG TARGET RET 2045 (VTIVX)
10/27/2003
Blended Fund Investments* N/A 3.29% 13.80% 13.51% 7.10%
VANG TARGET RET INC (VTINX)
10/27/2003
Blended Fund Investments* N/A 1.94% 5.35% 6.76% 5.23%
MORLEY STABLE VALUE
01/03/1994
Bond Investments Stable Value 1.21% 1.11% N/A N/A
JPM HIGH YIELD SEL (OHYFX)
11/13/1998
Bond Investments Income -0.12% 6.55% 7.93% 7.47%
LOOMIS CORE PL BD Y (NERYX)
11/07/1973
Bond Investments Income -1.11% 3.50% 5.78% 6.42%
TMPL GLOBAL BOND ADV (TGBAX)
09/18/1986
Bond Investments Income -1.62% 4.49% 5.21% 8.03%
VANG INTM BD IDX ADM (VBILX)
03/01/1994
Bond Investments Income 2.38% 2.22% 4.57% 5.30%
VANG INFL PROT INST (VIPIX)
06/29/2000
Bond Investments Other -1.80% -0.87% 3.19% 4.02% |
h****g
发帖数: 259 | 2 90% VANG TARGET RET 2045 (VTIVX)
10% VANG TARGET RET INC (VTINX)
Or 100% VANG TARGET RET 2035 if your plan has it |
u****e
发帖数: 99 | 3 Thumb up. OP follow this. You don't need a large number of funds. The
following covers the entire domestic and international stock and bond market
already. Also auto rebalanced for you.
【在 h****g 的大作中提到】
: 90% VANG TARGET RET 2045 (VTIVX)
: 10% VANG TARGET RET INC (VTINX)
: Or 100% VANG TARGET RET 2035 if your plan has it
|
m******l
发帖数: 1690 | 4 我建议现在100% stable value and you wait
market
【在 u****e 的大作中提到】
: Thumb up. OP follow this. You don't need a large number of funds. The
: following covers the entire domestic and international stock and bond market
: already. Also auto rebalanced for you.
|
G**Y
发帖数: 33224 | 5 这些expense ratio是不是略高
s&p现在过时了？
market
【在 u****e 的大作中提到】
: Thumb up. OP follow this. You don't need a large number of funds. The
: following covers the entire domestic and international stock and bond market
: already. Also auto rebalanced for you.
|
m******l
发帖数: 1690 | 6 risk higher than reward now. not worth it to put money into equities right
now.
【在 G**Y 的大作中提到】
: 这些expense ratio是不是略高
: s&p现在过时了？
:
: market
|
a****g
发帖数: 286 | 7 So what to do with current balance in 401k?
【在 m******l 的大作中提到】
: risk higher than reward now. not worth it to put money into equities right
: now.
|
a****g
发帖数: 286 | 8 把已有的balance也转到这里面避险？
【在 m******l 的大作中提到】
: 我建议现在100% stable value and you wait
:
: market
|
m******l
发帖数: 1690 | 9 no one knows the top and the bottom. if I were you, I put everything into
stable value for now and wait and see IMHO. it doesn't make sense to make 2%
when you Might lose 10%.
【在 a****g 的大作中提到】
: 把已有的balance也转到这里面避险？
|
m******l
发帖数: 1690 | 10 because you can't hedge in 401k.
2%
【在 m******l 的大作中提到】
: no one knows the top and the bottom. if I were you, I put everything into
: stable value for now and wait and see IMHO. it doesn't make sense to make 2%
: when you Might lose 10%.
|
|
|
w***n
发帖数: 1519 | 11 This is good suggestion.
Also, I'd suggest for simplicity to just go with "Target 2045" and don't
mess with it, especially if you don't want to learn about investing. A bit
of light on bonds is probably fine IMHO. Bonds are more pricey than equity
at this moment. And they don't give you protection against inflation. Over
the time you just keep saving a chunk of your paycheck and accumulating the
target fund.
Don't watch the fluctuation and don't pretend that you know which direction
the markets will go. I've seen people realizing the biggest losses right at
the bottom thinking the sky is falling... I've seen more people sitting on
the sideline and watching the indexes advancing 40%, 50% or more without
them.
【在 h****g 的大作中提到】
: 90% VANG TARGET RET 2045 (VTIVX)
: 10% VANG TARGET RET INC (VTINX)
: Or 100% VANG TARGET RET 2035 if your plan has it
|
s******e
发帖数: 2181 | 12 我两周前全部转为stable value，刚好发生在Na指最高点附近。
目前已连续走低两周，打算今天入。。。您这意思，还早了点？
【在 m******l 的大作中提到】
: 我建议现在100% stable value and you wait
:
: market
|
m******l
发帖数: 1690 | 13 depending on your timeframe. I think indices are due for a small bounce then
we can reevaluate. but market is weak though.
I would keep your majority holdings in stable value. if you have a regular
account. trade there.
remember I am not a financial adviser. but adviser most of the time sucks
more. LOL.
【在 s******e 的大作中提到】
: 我两周前全部转为stable value，刚好发生在Na指最高点附近。
: 目前已连续走低两周，打算今天入。。。您这意思，还早了点？
|
s******e
发帖数: 2181 | 14 今天的行情看上去是bounce back了，我昨天入了，貌似又抓住了谷底。。。
不过我同意您说的长期走势不看好。首先今年行情肯定不会好过去年，这个大家几乎都
承认，如果说今年能涨10%的话，那么上半年已经涨7~8个点了，留给下半年的增长空间
实属不多。我也觉得下半年基本是震荡小幅上涨一点点，为明年风雨来兮作前瞻。今年
继续走长线投资意义不大
then
【在 m******l 的大作中提到】
: depending on your timeframe. I think indices are due for a small bounce then
: we can reevaluate. but market is weak though.
: I would keep your majority holdings in stable value. if you have a regular
: account. trade there.
: remember I am not a financial adviser. but adviser most of the time sucks
: more. LOL.
|
m******l
发帖数: 1690 | 15 I agree. it's trader's market now.
【在 s******e 的大作中提到】
: 今天的行情看上去是bounce back了，我昨天入了，貌似又抓住了谷底。。。
: 不过我同意您说的长期走势不看好。首先今年行情肯定不会好过去年，这个大家几乎都
: 承认，如果说今年能涨10%的话，那么上半年已经涨7~8个点了，留给下半年的增长空间
: 实属不多。我也觉得下半年基本是震荡小幅上涨一点点，为明年风雨来兮作前瞻。今年
: 继续走长线投资意义不大
:
: then
|
