g***n
发帖数: 14250 | 1 挺重要的，有些 2017 早期的车也要核查一下 VIN 或者火花塞换了新的没有
Reference Bulletins: QB S29842
Volvo Car USA LLC on behalf of Volvo Car Corporation, has decided to launch
Service Action S29842
on certain model year 2015 – 2016 XC60, S60, V60, S80, XC70 & 2016 XC90
vehicles equipped with
4-cylinder engines.
Volvo has identified that the spark plugs may crack due to abnormal
combustion.
The corrective action is replacement of the spark plugs with a new and
improved design.
An initial allocation representing 20% of the ve... 阅读全帖 |
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l******h
发帖数: 2 | 2 Highly reputational company with very competitive compensation for all
positions.
Please send in your resume and position/positions you like to apply to my
email address below.
h*******[email protected]
All resumes will be deliver to hiring manager directly. Act fast!
Thanks!
Silicon Engineering Group
Sr. Physical Design Timing Engineer
Timing (STA) Manager
Senior Physical Design Engineer
CAD Manager - Front-End Design and Verification
Sr. CAD Engineer - Place & Route / Physical Design Engineer
Sr. CA... 阅读全帖 |
|
c*********n
发帖数: 87 | 3 The intern position is located in Maryland.
The requirement is as follows:
1. Required experiences/techniques
o Ph.D. student at last two years
o Wireless communications related classes
o Direct experience on the system design and performance comparison of
FDMA, CDMA systems
o Link-level and system level wireless communication system performance
evaluation
o Pseudorandom noise code design, such as gold code
o Direct experience on evaluating spectrum efficiency of various
mod... 阅读全帖 |
|
c*********n
发帖数: 87 | 4 The intern position is located in Maryland.
The requirement is as follows:
1. Required experiences/techniques
o Ph.D. student at last two years
o Wireless communications related classes
o Direct experience on the system design and performance comparison of
FDMA, CDMA systems
o Link-level and system level wireless communication system performance
evaluation
o Pseudorandom noise code design, such as gold code
o Direct experience on evaluating spectrum efficiency of various
mod... 阅读全帖 |
|
J**S
发帖数: 25790 | 5 http://shopping1.hp.com/is-bin/INTERSHOP.enfinity/WFS/WW-USSMBP
Order Status & Availability
I placed my order online. How do I confirm that it was received?
For orders placed after 4am CT on Monday 22nd August, US SMB had already
Sold Out of HP TouchPad and had posted this on our SMB webstore. Due to this
overwhelming response to webOS, we are unable to fulfill these orders and
they have been cancelled. If you saw a reserve hold for the amount of your
order on your credit card, no actual charg... 阅读全帖 |
|
|
发帖数: 1 | 7 2. General Principles
A. Conflict of Commitment
Stanford faculty members owe their primary professional allegiance to the
University, and their primary commitment of time and intellectual energies
should be to the education, research and scholarship programs of the
institution. The specific responsibilities and professional activities that
constitute an appropriate and primary commitment will differ across schools
and departments, but they should be based on a general understanding between
the f... 阅读全帖 |
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t*******d
发帖数: 2570 | 8 我也是新手啦，最近似乎版上新手大增，看来股市要跌啦。呵呵。经常看见新手在这里
问问题，什么fund好，高手
帮忙挑一挑。我的建议是新手们应该用心来学习一下股市和mutual fund的基本知识。
有个基本知识来做基础，对
任何fund可以进行自己的分析，毕竟你投资是投自己的钱，就听别人说哪个好就买你自
己还没明白的话你放心么？
我其实也就是在www.morningstar.com上把那里列的关于Asset allocation, Bond,
Fund的class都看了一遍。看
完了对现在版上出现的问题就有了个数，比如close end mutual fund，401K, IRA
account之类的都能从那些课
里找到答案。一方面，有了对市场的基本知识，另一方面也能攒bonus point,攒够６５
０点就可以获得六个月的
premier membership. Premier membership能帮助我进行投资的管理和获得一些关于
mutual fund的独立的分
析。我觉得六个月的时间够我把mutual fund selection 和 asset allocation初步建
立 |
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t***s
发帖数: 163 | 9 偶出于服务new cop的目的，疯狂打字，版主mark一个，看客送个包子吧，呵呵
上回我们说了
Asset allocation, buy & hold, low cost最重要
什么是index investing
Why index investing works？
结论是散户beat index的几率很小
你看完以后嗤之以鼻，你坚信自己是天才，或者通过自己的努力可以成为beat index的
散户
（Emulex会叫这种人为sucker，我从来都是很尊敬有这种想法的人的，呵呵）
现在我们的论题变了：
How to improve you odd to beat index?
按照本版的特殊情况，我分成两种解决方案：
A. 选active manage fund （bibbub大师的做法，前提Asset allocation, buy & hold
, low cost）
B. Do-it-yourself, 包括 选股，market timing，sector bet
要分析这两个方案，必须说到alpha （beta, R-squared, sharp ratio），new co |
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s******d
发帖数: 323 | 10 ☆─────────────────────────────────────☆
tonys (基因决定人生) 于 (Thu Nov 15 12:42:23 2007) 提到:
偶出于服务new cop的目的，疯狂打字，版主mark一个，看客送个包子吧，呵呵
上回我们说了
Asset allocation, buy & hold, low cost最重要
什么是index investing
Why index investing works？
结论是散户beat index的几率很小
你看完以后嗤之以鼻，你坚信自己是天才，或者通过自己的努力可以成为beat index的
散户
（Emulex会叫这种人为sucker，我从来都是很尊敬有这种想法的人的，呵呵）
现在我们的论题变了：
How to improve you odd to beat index?
按照本版的特殊情况，我分成两种解决方案：
A. 选active manage fund （bibbub大师的做法，前提Asset allocation, buy & hold
, low cost）
B. Do-it-your |
|
C***r
发帖数: 844 | 11 1. retirement accounts: increase stock allocation from 95% to 100%. Stocks
are more attractive than bonds/cash at current price.
2. us/international: maintain current 40% allocation to Intl. Within Intl,
overweight developed market (especially Japan) while underweight emerging
market, continue to largely stay away from mainland China market.
3. continue to buy the whole market. but if the financial and housing
sectors continue to weak, will consider buy them. Bearish on commodities
sector (gold |
|
s********n
发帖数: 1962 | 12 DCA 的意思:
标准版：
Dollar Cost Averaging --- an investment strategy.
熊市日用版：
Decisive Cutting Ability --- KennyD
Dedicated Clear-pocket Allocation --- tonys
Deadly Consensus Adopt --- stockdemon
Defensive Cost Allocation --- fulcrum
Demand Casual Attention --- theisland
Desperately Calling Agents --- iamcutedog
Dead Cat Advance --- KennyD
熊市加强版：
Dude! Cover Ass... --- yourtt |
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m**********r
发帖数: 887 | 13 本周没有交易，月底403B加了点MM 和TIPS
YTD 2.59%
Current Asset allocation:
money market 27.37%
Commodity 10.77%
Bond 12.32%
US stock 31.59%
International 14.43%
Bear market 3.53%
对比上周的：
YTD 4.23%
Current Asset allocation:
money market 26.68%
Commodity 11.21%
Bond 11.47%
US stock 32.52%
International 14.84%
Bear market 3.28% |
|
m**********r
发帖数: 887 | 14 本周什么都没做
YTD 1.15%
Current Asset allocation:
money market 27.58%
Commodity 10.37%
Bond 12.37%
US stock 31.40%
International 14.38%
Bear market 3.90%
对比上周：
YTD 2.59%
Current Asset allocation:
money market 27.37%
Commodity 10.77%
Bond 12.32%
US stock 31.59%
International 14.43%
Bear market 3.53% |
|
m**********r
发帖数: 887 | 15 YTD 4.56%
Current Asset allocation:
money market 26.7%
Commodity 10.19%
Bond 12%
US stock 32.36%
International 15.91%
Bear market 2.84%
上周的：
YTD 1.15%
Current Asset allocation:
money market 27.58%
Commodity 10.37%
Bond 12.37%
US stock 31.40%
International 14.38%
Bear market 3.90% |
|
m**********r
发帖数: 887 | 16 这周什么都没买卖
YTD 8.21%
Current Asset allocation:
money market 26.11%
Commodity 9.98%
Bond 11.78%
US stock 33.08%
International 16.56%
Bear market 2.54%
上周的
YTD 4.56%
Current Asset allocation:
money market 26.7%
Commodity 10.19%
Bond 12%
US stock 32.36%
International 15.91%
Bear market 2.84% |
|
h*******y
发帖数: 864 | 17
I think there is not much to debate here. This is just an asset allocation
problem. Fixed income v.s. risky
investment. Classical asset allocation based on risk tolerance, age, taking
into account of human capital, etc. |
|
j******e
发帖数: 64 | 18 我们公司不是按照百分比的。是前$8250 match 50%.
但是我的401(k)上默认的allocation是6%的工资，这样
算下来一年不到最大值。请问通常是不是都是应该maximize
公司的match?
比如有10万，是不是应该选择8.25% allocation? No brainer? |
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l**********t
发帖数: 5754 | 19 which is the lesser of two evils... a simplified allocation product designed
for college saving vs. an ad hoc portfolio overloaded with the "hot" asset
classes w/o sufficient balance of return & risk? If you are an active &
capable investor, you shall (or hire someone to) manage your asset
allocation dynamically overtime. Otherwise, a 529 fund is a better choice. |
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l**********t
发帖数: 5754 | 20 comparing to manage your own EMA, investing in state sponsored 529 target
date funds have some benefits ( in addition to tax benefit).
a)target date funds have asset allocations tailored for the investment
horizon, with automatic rebalancing.
Asset allocation has the most impact on your investment return (not which
stock/sector/or single asset class mutual fund you picked).
b)the investment strategies & advsiors are scrutized by the sponsor state
thru due dilligent process. Although there is no |
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S**C
发帖数: 2964 | 21 If you already decided 60/40 allocation, why not choose several good
allocation fund, such as OAKBX, FPACX, and IVWIX, let them work for you? |
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h******n
发帖数: 106 | 22 Your allocation is reasonable.
Depends on your risk tolerance, you can increase or decrease
the percentage of stock/bond holding.
You can google "Vanguard lazy portfolio" to find some suggested
allocation for non-active investment using Vanguard fund.
What do you think?
VBMFX 30%
VFINX 15%
VWNFX 15%
VGTSX 30%
VEXMX 10% |
|
h******n
发帖数: 106 | 23 Your allocation is reasonable.
Depends on your risk tolerance, you can increase or decrease
the percentage of stock/bond holding.
You can google "Vanguard lazy portfolio" to find some suggested
allocation for non-active investment using Vanguard fund.
What do you think?
VBMFX 30%
VFINX 15%
VWNFX 15%
VGTSX 30%
VEXMX 10% |
|
S**C
发帖数: 2964 | 24 While I respect Grantham, as he has a very very good methodology based on
valuations, and his asset allocation recommendations carries heavy weight on my personal allocation decision, I do not agree his criticism on the Fed policy under Ben.
His recommendations
1) Emphasize U.S. quality companies, which are still
cheap in an overpriced world.
2) Moderately overweight emerging market equities.
3) Moderately underweight the balance of global equities.
4) Heavily underweight lower quality U.S. com... 阅读全帖 |
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N********n
发帖数: 8363 | 25
Don't let a fox guard your hen house. They maybe up to their promise of
safety but better not risk it for good reasons.
The shortage of gold is so acute these banks not only removed gold from
unallocated accounts to fill their naked shorting orders but also turned
to the allocated ones as rumors swirling in the air.
If they could go so far as robbing the allocated accounts what's stopping
them from reaching out to your safe box? Heck someday government may pass
an emergency bill aimed to "stabi... 阅读全帖 |
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O*********9
发帖数: 48 | 26 My current allocation is
40% S&P 500 Index,
20% Dow Jones Index,
20& International Index
8% Debt Index
2% Cash
8% DODFX
2% Company Stock
Can you please tell me what kind of difference it would be by investing in
target funds rather than actively managed fund if in case it give me same
kind of stock/bond ratio (I know it is now different from your
recommendation).
In addtion,if I am 30 years old, should I chose 2035 target fund to retire
at 65 so that my asset allocation should be around 80-20 s... 阅读全帖 |
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D*****t
发帖数: 558 | 27 you should ask yourself why you have 90% of your 401k allocated to one
single bond fund in the first place. ( you are not in your retirement age,
right?) shouldn't you have a more balanced allocation between stock and bond
? yes, you definitely should sell some of it and reallocate the money into
equity.
have a balanced and diversified portfolio. don't pick "hot" fund . don't
chase performance. these are the basics for long term investment. |
|
S**C
发帖数: 2964 | 28 Now I am at my self-imposed maximum bond allocation, and sit on 20% cash.
There is really not much compelling things for me to buy, I currently
underweight US small cap and Europe, equal weight Asia, and over-weight US
high quality large caps.
Just DCA into my 401k, and into selected allocation funds in taxable account
. |
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m*****u
发帖数: 1342 | 29 You can look at Morningstar to get started. Think about asset allocation (
stock vs. bond, for stocks consider the allocation among large cap/mid cap/
small cap, also international vs. domestic). Personally I prefer value over
growth. Or if you don't care, just go with index or balanced. |
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s********n
发帖数: 1962 | 30 I realized the problem in my words. When I say "all cash", it's
more about an opinion to the market risk but not really a
suggestion to asset allocation. I do think cash is the best right
now. Especially nowadays all asset types are highly correlated,
means go up or down altogether. No meaningful diversification
can be done at this stage.However, people should always keep
certain asset allocation. For one thing, I could be deadly wrong.
For another, only risks means rewards.
Many people have ask... 阅读全帖 |
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d*****r
发帖数: 273 | 31 When I buy a stock, my intention is to hold it forever as long it increases
its dividend year after year. If it cuts its dividend, I will sell it
immediately. If it freezes its dividend, I will consider other factors, as
the circumstance, debt ratio, payout ratio, etc. So I do not trade that much
. In addition, I use Fidelity and E*Trade and the transaction fee is around
$8. I try to control the trading cost to be less than 0.5%. Also I utilize
DRIP if the account balance is small, namely, I pay... 阅读全帖 |
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d*****r
发帖数: 273 | 32 When I buy a stock, my intention is to hold it forever as long it increases
its dividend year after year. If it cuts its dividend, I will sell it
immediately. If it freezes its dividend, I will consider other factors, as
the circumstance, debt ratio, payout ratio, etc. So I do not trade that much
. In addition, I use Fidelity and E*Trade and the transaction fee is around
$8. I try to control the trading cost to be less than 0.5%. Also I utilize
DRIP if the account balance is small, namely, I pay... 阅读全帖 |
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v***y
发帖数: 7583 | 33 我也想求大牛推荐，大包子答谢
DREYFUS CASH MGMT INST MONEY MARKET DVCXX
CALVERT INCOME FUND CLASS A CFICX
CALVERT SHORT DURATION INC CL A CSDAX
FIDELITY ADV HIGH INC ADVANTAGE CL T FAHYX
TEMPLETON GLOBAL BOND CLASS A TPINX
GOLDMAN SACHS SHORT DURATION GOVT CL A GSSDX
DREYFUS APPRECIATIONFUND DGAGX
DREYFUS STRATEGIC VALUE CL A DAGVX
AMERICAN CENTURY STRAT ALLOC CL A ACVAX
VANGUARD TOTAL STOCKMARKET INVESTOR V... 阅读全帖 |
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S**C
发帖数: 2964 | 34 VWELX as core, use VGTSX or VFWIX to add international exposure (VG has no good active foreign funds), use VBMFX to get desired bond allocation if needed, use VEIPX, VDIGX or VDAIX/VIG to reach desired US allocation. They all invested in strong large-cap US multinationals. US Mid/Small Caps are richly valued, not a good place to be longer term (7-10 years), may be good as a trade.
Complicated? Then use VIG/VEU/BND to cover US/Foreign/Bond, use VBR for your play money.
A large portion of cash is ... 阅读全帖 |
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c*****e
发帖数: 314 | 35 恩，谢谢，明白了，可为什么Mid/small Caps不适合长期投资呢？
good active foreign funds), use VBMFX to get desired bond allocation if
needed, use VEIPX, VDIGX or VDAIX/VIG to reach desired US allocation. They
all invested in strong large-cap US multinationals. US Mid/Small Caps are
richly valued, not a good place to be longer term (7-10 years), may be good
as a trade.
your play money.
can-kicking landscape. |
|
n********e
发帖数: 1789 | 36 公司的401k是Mass Mutual管理的，下面是可以选择的fund，应该怎么弄比较好？看上
去好像Expense Ratio都很高啊。Expense Ratio是包括fund所有的费用吗？公司401k里
面的钱是不是没法转到其他比如Fidelity来管理的？谢谢
*** Guaranteed
SF Guaranteed 3.00%
Symbol Exp Ratio
*** Stable Value
Premier Money Market (Babson) SIA-G MKSXX 0.46%
*** Intermediate Term Bond
Prm Core Bond (Babson) SIA-E MCBDX 0.78%
*** Asset Allocation/Lifestyle
Sel Strat Bal (JPMrgn/Wstn) SIA-B1 MSTSX 0.96%
*** As... 阅读全帖 |
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S**C
发帖数: 2964 | 37 I do not have VWINX, but some VWELX. It is just a piece of my portfolio, my
bond allocation is lower, and bond universe is not just treasury. While
VWELX is pretty much fixed allocation fund, they do change makeup in their
bond sleeve, such as bond duration and sectors, that is why I paid them for. |
|
t***n
发帖数: 546 | 38 这个用morningstar的portfolio功能就可以了。
不知道有没有什么好的软件或者简单的算法来比较我的投资和大盘的区别。
假设我去年每年投入1000块按照我自己的asset allocation买几只基金，到了现在一共
投了12000，假设收益10%，那如何比较在这过去一年里面任意时间点自己的allocation
和大盘之间performance的区别呢？
我的想法是下载过去一年内我持有基金和SPY500的每天的价格，然后假设投入1000块的
时候只买SPY500. 这样就可以比较过去每天自己portfolio和大盘之间的区别了。是这
样吗？有没有什么简单的软件可以实现呢？ |
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a****a
发帖数: 208 | 39 I'm thinking to re-invest my Roth IRA at Vanguard, and I'm interested in the
Retirement Target 2040 Fund with asset allocation of domestic stock index
63%, international stock index 27%, and bond index 10%. Instead of buying
Target 2040 and paying 0.19% fees and expenses, can I just buy those 3 index
funds myself and allocate them according to the 2040 fund ratio myself? The
fees and expenses will be lower (0.07-0.16%). Is it a good idea for long-
term investment? Thanks. |
|
t***n
发帖数: 546 | 40 这个不算active，因为asset allocation一旦选好就不改了，以后无脑入index，无脑
rebalance。如果随着market起伏不断改变asset allocation来chase performance，那
才算是active。 |
|
c*****e
发帖数: 1106 | 41 To many companies who enjoy pricing power, inflation / rising interest rate
would not affect them as much.
If you are worried about asset allocation now, here is a very recent
MorningStar article worth reading
How 5 Top Asset Allocators Have Placed Their Bets for 2013
Stocks and bonds aren't the only places they're looking.
http://news.morningstar.com/articlenet/article.aspx?id=588201 |
|
W*****7
发帖数: 830 | 42 I do believe in asset allocation + indexing after reading this forum and my
expectation is low, 5-8% is good enough in long term.
to
are
them?
allocation |
|
l******u
发帖数: 3169 | 43 种类上合理，这么短的投资时限，asset allocation的软件会主要给你推荐bond，问题
是你对bond和QE这些咋看？
个人观点是不必迷信asset allocation和diversification |
|
m**i
发帖数: 394 | 44 Assume one is doing well in 1.
What do you do for each asset?
For cash, there are a few choices, RMB, $, uro, yen, etc, or cash funds.
For bond, there are funds for it.
For stocks, there are funds for it.
There are also asset allocation funds.
I mean 3 is orthogonal to others.
But you are right, asset allocation, is very personal.
For the impact of rebalance, it depends on the sum asset one has.
For 2M, 0.5% per year, it is 10K per year and 100K for 10 years.
For 20M, 0.5% per year, it is 100K p... 阅读全帖 |
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h********g
发帖数: 50 | 45 理财新手，因为专业缘故，asset allocation, portfolio management这些理论知识数
学上算起来都很溜儿，但觉得最大的问题是无法建立起一个大的投资思路。感觉这个投
资思路，跟具体地怎么经营一种资产（比方说选股，或是组合基金）是两码事，更多地
是衡量个人的需求和偏好。比方说投资目标，何为合理，好像要考虑以后的支出，考虑
benchmark, 考虑inflation, 考虑tax, 等等，不知怎么统一起来。然后asset
allocation的那些原则，比方假设说有一个60/40股票和债券的分配，这个数字其实是
arbitrary的啊，是怎么建立起来的呢。
大家都是如何建立这种思路的，是先小额尝试某一两种工具，在实践中体验，还是先建
立大的框架，再提高每一个资产类别的投资效率？
还有，为了解答自己以上的问题，买了经典书intelligent investor,读了第一章，感
觉非常dry,里面讲的那些60-70年代的数字我根本没法relate。自认为读技术书籍能力
不差，也相信这本评价如此高的书一定有学习价值，不知应该怎么读这本书呢？ |
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D*****t
发帖数: 558 | 46 to answer the last part of your question: when you buy a target retirement
fund (say 2040), as time progresses, fund manager will gradually decrease
the fund's risk profile by increasing bond allocation and reducing equity
allocation. This way, when you are near retirement age, it's quite unlikely
that you will have a huge hair cut. ( nobody can guarantee complete risk
free even with a 100% bond portfolio) |
|
D*****t
发帖数: 558 | 47 the new york times article does say that fixed allocation model such as
Vnagurd Balanced Index beats tactical allocation. Making decision on macro
calls doesn't work for me at least. the 5% opportunistic component in my
portfolio actually makes me lagging my favorite bench mark Vanguard Star
Fund slightly. My current speculative portion (since last yr) is to
overweight EM and gold miners. Let's see how this is going to end up with.
I
call
and |
|
|
M********r
发帖数: 278 | 49 I must have been brain washed by Redsim.
Read the last sentence of my post: "....assuming you have an appropriate
asset allocation plan". if you keep the same aggressive asset allocation
when you are 60, shame on you. |
|
p****4
发帖数: 517 | 50 For little to no involvement - throw your money in a tax exempt fund
For some involvement - allocate money following Target retirement 2035 fund
(adjust every 2 to 5 years)
For more involvement - allocate and move your money among growth, high yield
and tax exempt funds based on market trend and economy. (adjust every three
to six months)
Think of something else if you really want to beat the market and consider
yourself a high risk taker.
Good luck. |
|
