w******0 发帖数: 4472 | 1 新手,问问,401K里面,让选择怎么投资,大概10-20个选项,
条款看的我疯掉,这个怎么弄啊! 疯了。。。
比如今年扔进去17000,那么这17000在以后的N年里,都在这个选定的
股票/MUTURAL FUND里么?还是可以经常改? 如果改的话,费用多高啊
我看了半天,愣是啥也没看懂。 上班半个月了,401K还没搞定,
谁给指点指点啊
包子答谢 |
L**Y 发帖数: 2145 | |
L**Y 发帖数: 2145 | |
w******0 发帖数: 4472 | 4 得帮忙回答问题,才有包子啊
恭喜上班,发个包子?
我先排上
【在 L**Y 的大作中提到】 : 恭喜上班,发个包子? : 我先排上
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w******0 发帖数: 4472 | 5 (看看下面的选择,我头皮一片发麻,怎么办啊????)
假设让FIDELITY帮忙管理,有如下选择:
FA FREEDOM 2005 T
FA FREEDOM 2010 T
FA FREEDOM 2015 T
FA FREEDOM 2020 T
FA FREEDOM 2025 T
FA FREEDOM 2030 T
FA FREEDOM 2035 T
FA FREEDOM 2040 T
FA FREEDOM 2045 T
FA FREEDOM 2050 T
FA FREEDOM 2055 T
FA FREEDOM INC T
假如自己管理,有如下选择:
Stock Investments
Investment
Average Annual Returns
Desired %
1 Yr 3 Yr 5 Yr 10 Yr Life As of
Large Cap
BLKRK EQUITY DIV R
Inception Date 01/03/2003 11.96% 11.51% 4.68% 10.22% 9.42% 03/
31/2013 %
CBA AGG GR R
Inception Date 12/28/2006 19.75% 16.58% 8.06% N/A 4.49% 03/
31/2013 %
FA NEW INSIGHTS T
Inception Date 07/31/2003 9.88% 11.65% 5.24% N/A 10.12% 03/
31/2013 %
LD ABT FNDMNTL EQ R3
Inception Date 09/28/2007 12.52% 10.37% 6.70% N/A 4.06% 03/
31/2013 %
OPPHMR EQUITY INC N
Inception Date 03/01/2001 15.61% 11.24% 8.49% 10.31% 6.51% 03/
31/2013 %
Mid-Cap
NUVEEN MDCP GR OP R3
Inception Date 12/11/2000 6.17% 13.25% 6.91% 10.99% 6.58% 03/
31/2013 %
NUVEEN MDCP INDEX R3
Inception Date 11/27/2000 16.81% 14.18% 9.06% 11.55% 7.43% 03/
31/2013 %
PERKINS MID CP VAL R
Inception Date 07/06/2009 10.92% 8.57% N/A N/A 14.63% 03/
31/2013 %
ROYCE VALUE R
Inception Date 09/14/2007 1.57% 7.26% 4.10% N/A 3.45% 03/
31/2013 %
Small Cap
FA SMALL CAP T
Inception Date 09/09/1998 7.03% 8.69% 5.92% 11.57% 10.28% 03/
31/2013 %
JANUS TRITON R
Inception Date 07/06/2009 12.70% 16.75% N/A N/A 22.51% 03/
31/2013 %
PIF SMCP S&P 600 R1
Inception Date 11/01/2004 14.93% 13.93% 8.04% N/A 7.20% 03/
31/2013 %
VICTORY SM CO OPP R
Inception Date 08/16/1983 13.64% 12.39% 8.53% 11.93% 9.58% 03/
31/2013 %
International
HTFD INTL SM CO R3
Inception Date 05/28/2010 14.40% N/A N/A N/A 14.98% 03/
31/2013 %
OPPHMR DEV MKTS N
Inception Date 03/01/2001 5.01% 6.55% 5.34% 20.59% 14.54% 03/
31/2013 %
PIF INTL EQ IDX R1
Inception Date 12/30/2009 10.29% 3.66% N/A N/A 3.40% 03/
31/2013 %
THORNBURG INTLVAL R3
Inception Date 07/01/2003 6.15% 4.42% -0.21% N/A 9.93% 03/
31/2013 %
Specialty
FA GOLD T
Inception Date 12/16/1985 View Restrictions -25.16% -5.95% -3.50% 10.
34% 6.9
3% 03/31/2013 %
Blended Investments
Investment
Average Annual Returns
Desired %
1 Yr 3 Yr 5 Yr 10 Yr Life As of
FA FREEDOM 2005 T
Inception Date 11/06/2003 5.56% 6.02% 3.54% N/A 4.44% 03/
31/2013 %
FA FREEDOM 2010 T
Inception Date 07/24/2003 6.98% 7.05% 4.17% N/A 5.08% 03/
31/2013 %
FA FREEDOM 2015 T
Inception Date 11/06/2003 7.28% 7.20% 4.02% N/A 5.12% 03/
31/2013 %
FA FREEDOM 2020 T
Inception Date 07/24/2003 7.72% 7.59% 3.57% N/A 5.60% 03/
31/2013 %
FA FREEDOM 2025 T
Inception Date 11/06/2003 8.74% 8.11% 3.72% N/A 5.31% 03/
31/2013 %
FA FREEDOM 2030 T
Inception Date 07/24/2003 9.02% 8.17% 3.07% N/A 5.66% 03/
31/2013 %
FA FREEDOM 2035 T
Inception Date 11/06/2003 9.69% 8.38% 3.12% N/A 5.13% 03/
31/2013 %
FA FREEDOM 2040 T
Inception Date 07/24/2003 9.69% 8.42% 2.96% N/A 5.84% 03/
31/2013 %
FA FREEDOM 2045 T
Inception Date 06/01/2006 10.02% 8.53% 2.95% N/A 3.14% 03/
31/2013 %
FA FREEDOM 2050 T
Inception Date 06/01/2006 9.99% 8.49% 2.73% N/A 2.96% 03/
31/2013 %
FA FREEDOM 2055 T
Inception Date 06/01/2011 10.24% N/A N/A N/A 5.53% 03/
31/2013 %
FA FREEDOM INC T
Inception Date 07/24/2003 4.35% 4.73% 3.94% N/A 3.88% 03/
31/2013 %
Bond Investments
Investment
Average Annual Returns
Desired %
1 Yr 3 Yr 5 Yr 10 Yr Life As of
International
FA EMERG MKT INC T
Inception Date 03/10/1994 View Restrictions 10.80% 10.07% 10.49% 11.
26% 11.5
7% 03/31/2013 %
Income
BLKRK HIGH YLD BD R
Inception Date 10/02/2006 13.09% 10.62% 10.57% N/A 8.38% 03/
31/2013 %
FA INFLA PROTCT BD T
Inception Date 06/26/2002 4.94% 7.74% 5.02% 5.31% 5.88% 03/
31/2013 %
FA SHORT FIXED INC T
Inception Date 09/16/1987 1.58% 2.14% 2.47% 2.36% 4.95% 03/
31/2013 %
FA STRAT INCOME T
Inception Date 10/31/1994 7.27% 7.30% 8.05% 7.96% 8.40% 03/
31/2013 %
PRU TOTAL RETURN R
Inception Date 01/11/2008 7.27% 7.66% 8.07% N/A 7.65% 03/
31/2013 %
Short-Term Investments
Investment
Average Annual Returns
Desired %
1 Yr 3 Yr 5 Yr 10 Yr Life As of
FID PRIME FUND
Inception Date 04/15/1983
7 day yield as of 03/31/2013 0.01% 0.01% 0.01% 0.38% 1.57% 4.29
% 03/31/2013
%
【在 w******0 的大作中提到】 : 新手,问问,401K里面,让选择怎么投资,大概10-20个选项, : 条款看的我疯掉,这个怎么弄啊! 疯了。。。 : 比如今年扔进去17000,那么这17000在以后的N年里,都在这个选定的 : 股票/MUTURAL FUND里么?还是可以经常改? 如果改的话,费用多高啊 : 我看了半天,愣是啥也没看懂。 上班半个月了,401K还没搞定, : 谁给指点指点啊 : 包子答谢
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j***i 发帖数: 2203 | 6 那些FREEDOM啥啥啥的就算了,收益低年费还高
自己看看年费和比照指标然后选
我就分3部分,30%小盘股指数,30%标普指数,40%债券
根据自己的风险承受能力调整百分比
看你选择里还有金子,我想买没得选。。。。
然后我的可以改 没费用(公司MATCH部分默认公司股票,每次发了就全部清空换其他的)
再还有个人觉得没必要封顶17000,拿到公司MATCH那部分就可以了。再往上,就算省了
一点税,几十年后拿出来还是要交税,更关键的是,国内闭着眼睛0风险买买货币基金3
-4%收益每年,20年之后都远比省的税多的多了。当然,你要觉得共党倒台的风险是风
险那当我没说 |
m******l 发帖数: 1690 | 7 如果你不想天天看,你就选个20xx, xx是你退休的那年。就不要管了。 |
w******0 发帖数: 4472 | 8 多谢多谢! 呵呵。。这位和上面那位都帮忙很多。
如果你不想天天看,你就选个20xx, xx是你退休的那年。就不要管了。
【在 m******l 的大作中提到】 : 如果你不想天天看,你就选个20xx, xx是你退休的那年。就不要管了。
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