c*****x
发帖数: 429 | 1 Short-Term Investments - FIDELITY PRIME FUND |
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s********n
发帖数: 1962 | 2 When we talk about investment, it's always important to keep in mind
that we are seeking long-term future return, but not short-term past
return. Blindly chasing performance is one of the biggest mistakes you
can make.
When you see something good, you need to ask why it was doing good,
and whether it will do the same good in the future, instead of just
saying "hey, let's jump into it."
When you see something bad, you need to ask why it was doing bad,
and whether it will do the same bad in the fu |
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s******d
发帖数: 323 | 4 【 以下文字转载自 board 讨论区 】
发信人: starwood (四大伍德), 信区: board
标 题: 请辞Investment版三
发信站: BBS 未名空间站 (Sun Feb 15 11:47:03 2009), 站内
最近工作太忙，没时间照顾版面，经常一周不上BBS。希望各位见晾。 |
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k*********l
发帖数: 1218 | 5 investment俗称“赌钱”-immortal发明的行话
1.trading account YTD 25%
2. 401K account YTD 13%
要知道 401K account只能买，不能做short的，所以这样的performance，在S&P YTD -
20%,难度很大的
但是居然没有一家chicago赌钱公司要俺，郁闷ing
（其实俺只投了一家，还有，其实这个是个BSO贴，哈哈：））） |
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f****t
发帖数: 1063 | 7 just for yy.
let us say a couple have AGI 300K. The house is 500K. two kids in public
schools. after >10 years of working, then some cash in hand.
then how to invest the cash, let us say 200k-300k, in long term? |
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f****t
发帖数: 1063 | 8 ok, ok, let us put the definition aside. Back to the question: how to invest
in a long term?
(Assumptions: 500k house is good enough, don't want to pay off the mortgage,
don't want to send kids to private schools). |
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W***i
发帖数: 833 | 9 保守的话，从现在开始，分两年DCA，也就是每周$3k。如果你说的二三十万不包括未来
2年的节余，那根据情况每周再增加$1k过更多。
或者，不想错过捞底的机会。上面至少一半的钱DCA，剩下一半等机会
invest
mortgage, |
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K****D
发帖数: 30533 | 10 ☆─────────────────────────────────────☆
tryst (云淡风轻) 于 (Tue Oct 21 20:10:40 2008) 提到:
you should just buy treasury bonds or CD.
you can look at the discussion here:
http://www.trader1688.com/bb/viewtopic.php?f=4&t=20603
so from 1929 to 2008, the return is 4.4% per year if you hold. By the way,
it doesn't take into account of cash dividend. stock dividend is counted. so
the return will be a bit higher.
But you should consider this way, if you invest into DOW index found, its
return usually l |
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g*****o
发帖数: 930 | 11 4/15 is coming..im wondering if it's a good idea to use the cap and invest $
5k into my Roth IRA 2008. Any suggestion? |
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K****D
发帖数: 30533 | 12 Thanks for the computation.
But no, I never intended to do short-term trading to replace
"what should be" a traditional IRA. I only intend to buy-and-
hold in a regular investment account in substitution of 401k
or traditional IRA.
I understand paying less tax on gains is the only way to beat tax
deductible accounts, hehe. What I meant was your "in the heaven"
scenario -- short term capital gains in tax deferred accounts.
Because of that, I prefer traditional IRA over 401k (non-matching
part). B |
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s*******d
发帖数: 126 | 13 yes indeed, I totally agree: if you can just nudge the returns/growth on
traditional IRA accounts even by a tiny bit in the early years through some
trading, you'd get a much larger return in the end. And traditional IRA does
give you more flexibility over most 401k in terms of investement selections
, that said, more trades and more flexibilities also translate to more
chances of shooting oneself in the foot...
I do want to point out another thing that is difference between a
tradntional IRA an |
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n******n
发帖数: 12088 | 14 Rule of thumb: keep things simple.
These instruments you mentioned, however, must be implemented in a very
complicated way such that no matter you win or lose, bankers have guaranteed
revenue.
So this is not low risk investment for you, but low risk earnings for them. |
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b*****e
发帖数: 1125 | 15 doubt what's the investment horizon for the product and what's the pricing
model? |
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g*****g
发帖数: 34805 | 16 If you are really concerned about your investment (or speculation) and
want to have limit downside. Use the collar strategy.
Buy stock at 100, buy leap 95put and sell 105call, usually they are about
the same price. So you limit your upside and downside to 5%. You can
also pay a premimum to buy 100p and sell 105c or 110c. |
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e*****e
发帖数: 212 | 17 Is Your Home a Good Investment?
by Brett Arends
Wednesday, May 27, 2009
provided by
THE WALL STREET JOURNAL
There's the usual talk about what the latest Case-Shiller house price data
mean for the next short term move in the real estate market. Has housing
bottomed? If not, has the rate of decline slowed? And when will we see an
upturn?
Human nature likes the short term. Which is why so little attention is paid
to something that is probably more important, if less urgent: What the
latest data sho |
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h*******y
发帖数: 864 | 18 It is all about expectation.
I expect 0% inflation adjusted return from the house. So I will consider
anything positive a surprise on the plus side.
I also don't take 2% real return from the government bonds for granted,
especially given the flaw in measuring CPI. So I think home could be a good
investment, depending on your circumstances.
Just like I never expect 12% return from equity. So bear market does not
dampen my hope for returns from the equity market.
paid |
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K****D
发帖数: 30533 | 19 Isn't home investment all about the rent? Very few people would
buy a home, leave it empty, and sell it after 5 years bah.
Rent can easily generate 4-5% revenue. And the house itself doesn't
depreciate. I don't know what's better than that, hehe. Surely
this thing beats the gold bricks (on paper).
paid |
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e*****e
发帖数: 212 | 20 I guess the author was talking about people who think that they can build a
nest egg in their homes, not taking about real estate investment per se.
for example, if you pay 500k for a home today, 10 years later you sell your
home, the return on the 500k is far less than the return if you put the
money in government bonds. |
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e*****e
发帖数: 212 | 21 I think the leverage is that housing is a safer investment than other venues
. |
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m*********a
发帖数: 3299 | 22 It is a good investment given you live in the state of california and have
the highest federal tax rate and buy those bonds in a taxable account. |
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j****o
发帖数: 269 | 23 so if I dont live in CA and am not in the highest tax bracket, it's not a
good investment? |
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s********h
发帖数: 158 | 24 you are correct about buying high yield treasury when inflation spikes, but
let's run some numbers comparing putting your money into munis versus saving
it in a bank.
option 1 - buying muni bond
data for a typical muni bond: (from bloomberg)
your investment amount = $10,000
coupon rate = 4%, paid semi-annually
years to maturity = 5 (terms = 10)
coupon = 200 (i.e. 10,000 * 4% / 2 )
also assume that i hold this bond for 2 years, and the interest rate at the
end of 2 years goes to 2% (which is equa |
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o*****o
发帖数: 299 | 25 刚看了Bogle的Common Sense Investing:里面基本就翻来覆去的讲了这么几点:
1.Mutual Fund总体不可能bid大盘, Index是王道,就是偶尔bid不是大运就是暂时的.
2.经常交易是大忌,买了长期持有是王道
3.Fund 的成本是极为重要的指标.
那可不可以这么总结:
1.作为以退休为目的的长期投资,Index Fund是最佳(唯一)选择
2.平均每年8%左右回报可以作为长期Index投资的合理目标
3.Index大家差的都不多,所以挑个Fee最低的就行了.
另外: Index Fund和ETF有啥区别呢? 如果都是Diversified strategy, 投哪个比较好?
这里有经验的各位给点意见? 顺便推荐一下哪个Fund比较好吧.多谢 |
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s*******d
发帖数: 126 | 26 On principle, yes. But few truly has a good idea about their own risk-
tolerance level, how much money they need to use in the future, and/or when
to cash out what portion of their investment. Then again, this is true to
all investors, index-funds-based or not...
If you have index funds in your porfolio, the less money someone will take
from you and the more you keep for yourself. |
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s********n
发帖数: 1962 | 27 Minimum initial investment is the minimum amount you need to buy the first
time you put money in.
However, buying in your 401k doesn't have this restriction. You can just
ignore that part.
>> 在哪里可以找到这个信息呢？
Ask your HR people.
有的是 |
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s******y
发帖数: 200 | 28 thanks for your info. just checked with my HR, none of the miminum initial
investment is applied to MF purchase within the 401k plan. |
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z*****g
发帖数: 306 | 29 Chase说可以给开Investment account，然后把钱交给他们。他们收取1.4%/year的费用
，然后他们来操作这笔钱。具体操作的大概portfolio他们也跟我估算过。
请问：这种1.4%/year的费用算高吗？10来万的钱可以考虑这种投资方式吗？或者是否
还有其他的比较省钱却比较类似可以调整portfolio的投资方式。
多谢了！！！ |
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b****e
发帖数: 460 | 30 http://online.wsj.com/article/SB126056572135687829.html
DECEMBER 14, 2009
In Year of Investing Dangerously, Buffett Looked 'Into the Abyss'
By SCOTT PATTERSON
Warren Buffett believes his best deals during the economy's
biggest belly flop since the Crash of 1929 may well turn out to be
the ones he didn't do.
Mr. Buffett slammed the door on one opportunity after another
during the most harrowing stretch of his storied career. That
impulse, he says, left him with the financial firepower he needed
l |
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f*****g
发帖数: 15860 | 32 unless this house is your 2nd one, it's barely an investment.
< 30%, gross income, before tax. |
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H******T
发帖数: 26 | 33 Property price in Vegas is very low.. anyone interested to invest there? |
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s********h
发帖数: 158 | 34 with exception of BRK, i've been avoiding investing in firms with dual class
structure through which the controlling parties own all or majority of the
voting power. amongst many reaons, 1) it just doesn't seem fair that share
holder put up the capital but have no influence on how the companies should
be run; 2) even if the company is undervalued by the market, a buy-out by
another party is not possible, and this implies reduced downside protection.
anyhow, i am just wondering what you guys thin |
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t*m
发帖数: 4414 | 35 这个expense是按天算的。所以应该是 净return率, W
在您二位说的两个数之间。
gives the total amount.
annual fee may cost big for your investment return.
after |
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g****d
发帖数: 88 | 36 Whatever, small annual fee does cost a lot of money, especially in long term
investments |
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T*******t
发帖数: 9274 | 37 这门槛很低啊...
run
me
meet partners, can be accepted. Serious investors only. Minimum investment
commitment is $25,000 USD. There is no |
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t*******g
发帖数: 123 | 38 Yep, this particular fund is designed this way. There's another fund for 3
millions and up, focusing on investing in trophy home. |
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z******a
发帖数: 5381 | 39 忽悠学生和贫困人士的血汗钱。你RP大大的坏了！
1：这种金融产品能在论坛上大肆推销么？ 你不怕SEC查你么？
2：这里有accredited investors?
3: 这个130% return 是已经清仓的东西，还是marked to model and waiting for 接
盘的？
你们是大牛fund,又是大牛公司出来的，怎么会看得上这里小伞的小钱呢？不明白。这
里小伞的
小钱不够你们成功人士赚的吧？呵呵
run
me
meet partners, can be accepted. Serious investors only. Minimum investment
commitment is $25,000 USD. There is no |
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N******r
发帖数: 642 | 40 muhahahahahhahahahahahaahahahahahahhaahahhaaa
Guys, forget that stuff. We have a BETTER deal here. Do you want to be rich
quick? If you answered yes then you are in the right place. A former Goldie
Sachs prop trader has discovered a way to trade third-to-default knock-in
basket that is GUARANTEED to make money. You absolutely CAN NOT lose money!
Wall Street banks are giving this money away for free, and there is no
reason why YOU shouldn't get some. Now I know what you're thinking: this is
too g... 阅读全帖 |
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M*********l
发帖数: 214 | 41 Is there any investment product to bet Renminbi appreciation?
The CYB's return is too low in history.
Why this product can not beat the Renminbi's appreciation rate in the past? |
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s********n
发帖数: 1962 | 42 因为把 Investment 和 insurance 放在一起的产品条款都很复杂，不是专业的
看不懂。保险公司会借此在里面插入很多隐性的额外费用，和投保人得到的 benefit
相比很不划算。 |
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s****p
发帖数: 1087 | 43 我以前对金融没概念。觉得都是无聊的东东；不如航天飞机上天、显微镜看到奇妙的生
物来的实在。要不就觉得金融是骗人的。
但是后来觉得金融对于流通资金起到了很好的作用。另外，如果自己多学些，也可以识
破那些骗人的把戏。
（1）最初我到public library借了一本类似Dummy的投资书籍。感觉毫无用处。
概念没得到精确定义；只给了你定性描述，没有定量描述。
比如说投资要保守的Fund一些，激进的fund的一些。
这些都是烂大街的理论了。关键还是数字。多少算保守，多少算激进。
另外，每个时期的经济形势不一样，怎么分析？怎么作出良好的判断？
（2）后来看了Bodie等的Investment书的几章，感觉非常适合我意。
（不过感觉概念的定义的先后顺序没有给读者理清。有些概念在前几章就在提及，但是
到了后面的一章才精确定义。这样的顺序完全理解，但是作者应该做些声明：
比如精确的定义会在哪章出现？
这里读者关心什么概念就足够了，其它的不用深究。
等等。
但是这本书很厚。所以完全边看这本书，边看网上不同人的辩论，学会辩证地思考，这
样反过来也有助于对书上的知识活学活用。
（3）
关心名家的博客。
... 阅读全帖 |
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s****p
发帖数: 1087 | 44 当然不折腾。
也就看几本书，受用1辈子。否则对世面上关于long term investment的各种建议都没
有判断能力。
另外，完全有可能去做生意了呢，哈哈。 |
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e****d
发帖数: 193 | 45 FOR ME,INVESTMENT MEANS 点灯熬油 plus 一无所获（甚至赔钱） |
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w****n
发帖数: 1737 | 46 never rely on luck,
happy when you have it but always prepared for bad luck.
That is why risk management and money management are so
important in the investment. |
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f****G
发帖数: 167 | 47 这里牛人比较多, 所以来问问.我Invest是个Newbie,刚刚在etrade deposit 了5000刀,
这笔钱五到十年不会用吧,有什么ETF可以推荐吗？ |
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S*******s
发帖数: 10098 | 48 correct.
sell investmentadvises- need to study and pass the series 7 and 63 license
exams.
an investment club- easy to do wth small pocket money from members. |
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s********y
发帖数: 3811 | 49 passive investing works too. |
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s********y
发帖数: 3811 | 50 everyone posted this kind of question should go read some basic investment
books first.
better |
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