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G*B
发帖数: 1380 | 2 这算啥，gutter cleaner 上房吹个叶子15分钟要$200
车铺的也要过幸福生活，你以为国内农名工啊
reinvest |
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b*****u
发帖数: 1556 | 3 之前搭好梯子接好设备,之后清扫干净,都不止15分钟吧。你的房子难道只有10平方英尺
?怎么那么快?
: 这算啥，gutter cleaner 上房吹个叶子15分钟要$200
: 车铺的也要过幸福生活，你以为国内农名工啊
: reinvest
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g****t
发帖数: 31659 | 4 你能贷款4倍，6倍杠杆买SPY吗？
这个东西的诀窍就是你还贷款的时候自动reinvest
走复利了。
为毛要扣什么维护预留，空置预留？你这完全不make sense。
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d********8
发帖数: 74 | 5 According to the IRS, 75% of the tax cheating is done by individuals—mostly
middle-income earners. Most of the rest of the cheating is done by
businesses. Cash-intensive businesses and service providers, from self-
employed handypeople to doctors, are the worst offenders.
How People Cheat on Their Taxes
Most cheating is from deliberate—actual or willful—underreporting of
income. This is called tax evasion—the most commonly charged tax crime. A
government study found the most underreporting of in... 阅读全帖 |
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s**********i
发帖数: 468 | 6 不知道09年通过American Recovery and Reinvestment Act拿到的Career对换学校和评
tenure的作用多大 |
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b*****d
发帖数: 61690 | 7 【 以下文字转载自 Chemistry 讨论区 】
发信人: qdssl (honeydot), 信区: Chemistry
标 题: 第一次听说牛人可以这样倒下的 Famed Materials Scientist Charged With Grant Fraud
发信站: BBS 未名空间站 (Sat Feb 4 02:40:21 2012, 美东)
Former Pennsylvania State University electrical engineering professor Craig
Grimes, considered a world leader in materials science, has been charged
with misusing $3 million in federal research grants.
The U.S. Attorney’s Office for the Middle District of Pennsylvania accused
Grimes on Jan. 31 of misusing $1.2 million... 阅读全帖 |
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a*********s
发帖数: 4 | 8 hoho, 查了一下wikipedia的mitbbs词条才知道什么是包子... 谢谢斑竹鼓励！我还真
的认真把Personal Finance
for Dummies读了一遍，否则在这里潜水都潜的头晕，再问个基础问题就更不招人待见
了。强烈向新手们推荐一下
这本书，读完再来问具体问题也比较有针对性，保不定还能弄个包子～～～
关于你说的money market和bond投资，开始之所以打算放在5% APY的saving里，是因为
找了几个这类的funds
看前几年performance，经常都只有2-3%，但是很奇怪为什么还有人投资这个，今天突
然想到，忒傻了，应该看
看利息的历史，果然前几年也没现在这么高 :-)。不过关于和saving利息的比较，我还
是不明白，我一直觉得fund
的total return是计算reinvestment，相当于利息的APY而不是APR，我看FUSFX的2006
ANNUAL TOTAL
RETURN是4.9%，FFRHX是6.37%. 你说的APR从哪里查到？到底应该用哪个数字和saving
的APY比较？
这部分钱到底放saving还是MM,bon |
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s******d
发帖数: 323 | 9 ☆─────────────────────────────────────☆
starwood (star^wood) 于 (Tue Jun 26 15:56:18 2007) 提到:
规则：每个人选up to 5个基金（中国A股的不算）, 写明比例，中间不可以撤换，所有
dividend, capital gain都reinvest。虚拟购买日期July 2。最后看年底的
performance。前几名有大包子！！
请大家选没有load的open end基金，方便统计。报名截至日期：7/1。
报名办法：直接reply本文。
举例1：
id: test1
VTSMX: 50%
VGTSX: 50%
remark: die hard indexing!!
举例2：
id: test2
OBCHX: 20%
MCHFX: 20%
DPCRX: 20%
FSEAX: 20%
FHKCX: 20%
remark: 老子看好中国股票
☆─────────────────────────────────────☆
neohawk (neohawk) 于 (Tue Jun 26 |
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s******d
发帖数: 323 | 10 ☆─────────────────────────────────────☆
tonys (基因决定人生) 于 (Tue Jul 10 11:08:39 2007) 提到:
打算开taxable account，投资vanguard index fund or ETF
来来回回论证了好几天，把结果分析一些
ETF 优点：
1. low ER and avoid some fee(VFWIX 0.25%， VEIEX 0.5%，I know it is not load
)
2. 现在zero commission到处都是，discount broker大约$5/trade
3. buy and sell any time (缺点)
ETF 缺点：
1. 小额投资没法dollar cost average
2. bid ask spread，commission cost
3. someone have problem reinvest dividend
4. zero commission可能随时消失
（研究了zecco的bussiniss model，感觉不能长久，现在的 |
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s******d
发帖数: 323 | 11 ☆─────────────────────────────────────☆
fbb (manta) 于 (Wed Sep 12 00:54:00 2007) 提到:
Wharton professor Jeremy Siegel in his books "Stocks For The Long Run" and "
The Future For Investors" presents his research results on the 200-year
returns of different investments in the U.S.
Total Real Returns 1802-2003 (inflation-adjusted, dividends reinvested,
taxes not considered)
$1 invested in 1802 would have returned by 2003:
$597,485 if invested in stocks
$1,072 if invested in treasury bonds
$301 |
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K****D
发帖数: 30533 | 12 ☆─────────────────────────────────────☆
stocktb (股市土鳖) 于 (Fri Oct 3 23:21:45 2008) 提到:
从yahoo上搞了近15年的SPY的data， 算了一下，按每个月买$1000 SPY， dividend reinvest成股票， return 如下
年份表示你从当年１月１日开始，进行每月ＤＣＡ， return是等价的年回报。
1993: 6.72%
1994: 6.03%
1995: 4.89%
1996: 3.82%
1997: 2.89%
1998: 2.27%
1999: 1.89%
2000: 1.88%
2001: 2.27%
2002: 2.28%
2003: 0.75%
2003/06 到今天，亏损, negative number 就不写了。
如果那里可以找到过去３０年或更长的data，包括dividend, 我可以多算一下。没有考虑dividend和capital gain 交税问题，没有算ＳＰＹ expense ratio，所以，实际回报其实更差一些。
结论，大家自己下吧。
☆ |
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b****e
发帖数: 460 | 14 1) Senior. Liquidate Advantage.
2) There might be reinvestment term about dividend. Tax Advantage.
3) Dividend is different.
4) Maybe preferred stock was cheaper.
stocks? |
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n******n
发帖数: 12088 | 15 对。reinvestment risk小多了。 |
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a**n
发帖数: 2431 | 16 I think corps with low cap reinvestment requirement and some pricing power i
n an inflationary env like MCD, JNJ, KO if their valuation is fair ?
Real estate price won't catch up with the inflation rate in a high interest
env. But if you buy some real estate at fair value WITH LOW COST LEVERAGE(
that's what we get now with 30Y fixed mortgage), probably
you can catch up (or even beat) inflation eventually from this point on? Not
quite sure.
Anyway, I think most ppl like hard asset in an inflation |
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p******i
发帖数: 1763 | 18 如果reinvest,shares是不是到明天才能看到增加 |
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s**********d
发帖数: 36899 | 19 退休帐号doesn't matter。
交税帐号还是cash简单一些。 |
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r****1
发帖数: 2299 | 20 PREFERRED STOCK ETF，超过7% YIELD，PRICE也不回太VOLATILE，适合分期定期投资吧
，然后那些DIVIDEND也REINVEST，长期来说应该不错吧。 |
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M*********r
发帖数: 50 | 21 是一次买卖4元，适合做自己的指数。如果本金很小，组合两种股票就好了。现在的情
况，可以买BAC和GE。股息可以选择reinvest。这三四年，就跟存银行一样，不用担心。
receive |
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s****m
发帖数: 160 | 22 我觉得算不出Vanguard给出的YTD。
以Vanguard Total Stock Mkt Idx (VTSMX)为例:
Vanguard网站上给出的是
YTD as of 05/19/2010 1.69%
查Yahoo finance上的价格历史：
01/04: $27.91
03/24: $28.97 (当天的dividend distribution是0.107)
05/19: $27.81
我的计算是：假定1月4日投入$1000，那么可以买到1000/27.91 shares.
到3月24日，可以拿到的dividend是1000/27.91*0.107, 这笔钱reinvest
可以买到1000/27.91*0.107/28.97 shares。
到05/19, 账户上的钱就是
(1000/27.91+1000/27.91*0.107/28.97) * 27.81 = 1000.1
这样YTD就只有0.1%。请问大侠我的算法错在哪儿？ |
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s*****n
发帖数: 2174 | 23 I started with MF, and then changed to ETF for almost a year. Now, I
come back to MF. Personally, I feel very uncomfortable about
[1000/price].
I would like to contribute exactly $1000 every month, and think "my
$1000 contributed 3 months ago have earned me $10.59 by far". Both
trading and tracking are elegant.
For ETF, I have to buy 43 shares @ $23.12 3 months ago with a total
$994.16 investment. Three month later, that becomes 43 shares @ 23.92
for a total of $1028.56. To me these numbers look... 阅读全帖 |
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s*****n
发帖数: 2174 | 24 that is nice.
BTW, can I buy part of a share when I invest (as compared to reinvest
dividend) an ETF? Say, I want to buy exactly $1000 of SPY. |
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a*****n
发帖数: 5158 | 25 比如你3000$买了一个fund,cost是$3000
如果有$500 dividend并reinvest的话,(这$500要报税)
cost basis变成了$3500,
现在fund 值$3200的话,你的gain/loss是 -$300($3200-$3500),
但你实际上还是赚了$200 ($3200-$300),
cost basis只是报税用的, |
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l*********e
发帖数: 7492 | 26 不对呀。
我有个bond fund 3000块买的。
分了好几次dividend了。选得是reinvestment.
现在fidelity cost还是显示3000呀？ |
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t***s
发帖数: 4666 | 27 why? muni ytm 3%+ easily ah. just buy and hold. what to loose?
of course, reinvestment of the coupons could be a problem. |
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h****h
发帖数: 1168 | 28 来自主题: Investment版 - 也说529 even for devidend reinvest? |
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p******i
发帖数: 1763 | 29 因为有divident reinvest
持有的etf出现了非整数股，比如20.16 shares
卖的时候那0.16怎么处理? |
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a**l
发帖数: 1166 | 30 (ZT)How did Grace amass an estate of $7 millon???
In 1935, she bought three $60 shares of specially issued Abbott Laboratories
(ABT:US) stock and never sold them. Abbott’s shares split many times over
the next seven decades and Groner never stopped reinvesting the dividends.
Long before she passed away earlier this year, her initial outlay had become
a fortune. This spring, her fortune was her gift to Lake Forest College |
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m****u
发帖数: 229 | 31 https://www.zecco.com/
Have you taken that into your consideration?
IB seems to be a reasonable way to do it.
I have never used IB, nor Zecco before. But I know sharebuilder is kinda
crappy. It's more like a bank account, its MF are crappy, very limited on
choices and fees for MF r high. But it does have the dividend auto-reinvest
for free. This is something that Scottrade doesn't offer. The best time to
open an account with sharebuilder is when they run the July4th or
Thanksgiving event. That's... 阅读全帖 |
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S**C
发帖数: 2964 | 32 Yes, and with distribution reinvestment. |
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c*v
发帖数: 93 | 33 ETF有个问题就是很多broker都不提供自动reinvest的服务，影响compounding. |
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m**********r
发帖数: 887 | 34 Check out the history of your SP500 fund on morningstar.com. When it pays
dividend, it will be reinvested. for example, VFINX pays dividend every
quarter, and yesterday was a dividend day. |
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t****g
发帖数: 35582 | 35 如果选择reinvest，可能不用吧。不是很清楚，没遇到过。 |
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X****r
发帖数: 3557 | 36 reinvest是你自己的事。只要发了dividend就要在当年交税。 |
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T*********e
发帖数: 9208 | 37 assuming the rate is 0 in the second 6 months, you save a little over 11
months,you will get
(1+.046/12)^6-1=2.3%
assuming you can get a similar deal right away, and use your momey
effectively in the same manner for the whole year, the apy is 1.023^12/11-1=
2.507%
you have to time your deposit, and make sure it was and it will be
reinvested without any gap, which i think is almost impossible.so the real
apr is probably still gonna be 2.3% without knowing the rate in the second
half
of the year.
... 阅读全帖 |
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f*****b
发帖数: 1649 | 38 QE结束要分好几个阶段，先停止reinvesting债券利息收益，修改美联储报告的用词，
再逐步减少美联储账面上持有的商业和政府债券，最后调整利率。这是一个很长期的过
程，每一步都是缓慢而谨慎的操作，目的就是减少因此引起的市场波动。所谓的狂潮更
像是水到渠成。长期债券收益率加速上升这样的事情是不会轻易发生的，如果发生的话
就是第二次房贷危机了。
另外，美联储购入国债是一直在做的事情。国债和政府债券是两回事。
业。 |
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f****y
发帖数: 921 | 39 I copied FCTFX from their webpage:
distribution History
Dividends (Distributed Monthly)
Date Per Share Amount Reinvestment Price
04/30/2011 $0.041892916 $11.71
05/31/2011 $0.043348789 $11.87
06/30/2011 $0.041419874 $11.89
07/31/2011 $0.042852617 $11.98
这distribution和dividend不是一回事嘛
另外，为什么The bigger the worse。这不就类似银行利息，难道不是多多益善吗？ |
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S**C
发帖数: 2964 | 40 4.6% including div. reinvest. |
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m**********r
发帖数: 887 | 41 Dividen is included as reinvested.
I corrected some figures, since I used different cost basis methods. Now
both calculated by "defult method" of morningstar.com |
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m**********r
发帖数: 887 | 42 Dividen is included as reinvested.
I corrected some figures, since I used different cost basis methods. Now
both calculated by "defult method" of morningstar.com |
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d*****r
发帖数: 273 | 43 It depends what do you want to do with your money? Do you want to use the
money to travel, to pay for your children's education or just donate to a
charity?
I have a goal which is to support my wife and I when we retire. So if I had
a million dollar, I would invest in those stocks which 1) have a long
history of paying increasing dividend; 2) the current yields are not too low;
3) they have competitive moats. With these companies, I would have a great
chance to reach my goal. I would use 1M to a... 阅读全帖 |
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y****i
发帖数: 778 | 44 Tax exempt Municipal bond if your tax bracket is 28% or higher, especially
if you hit AMT. No stock can garantee you return. Lower rating investment
grade A- or BBB+ muni bond with top two monoliner insurance AGM/FSA or MBIA/
FGIC/NATL is the best choice to replace your long term CD. Focus on
garanteed cash flow to improve your life quality or reinvest for compound
interest. Higher return is a bonus, but no loss is the key for long term
successful investment. |
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d*****r
发帖数: 273 | 48 Since 1980, there are 7 splits (3 2 for 1, 4 3 for 2), 1 share in 1980
becomes 1 * (1.5 ^ 4) * (2^3) = 40.5 shares. $40/share becomes less $1/share
after split. If your price of $40 is right, the stock price change should
be around
9000%.
This is only price change. No dividend is considered. Further more, dividend
reinvestment will create a much higher return rate. |
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c**********0
发帖数: 624 | 49 This is a good and essential point. Reinvestment risks of bonds and taking
advantage of capital gain tax rate
Quite the opposite, bonds should be in your tax deferred/free accounts and
stocks, espec........ |
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w***n
发帖数: 1519 | 50 That has much more to do with your brokers than ETFs, at least Charles
Schwab allows you to do dividend reinvestment for ETFs. |
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