S**C
发帖数: 2964 | 1 No you do not need to report. HSA was a niche and probably still is. But
with the spread of HDHP, let us hope big boys will jump in eventually.
[在 wltsn (waterfall) 的大作中提到：]
：Thanks a lot for the info on HSA bank and Elements Financial. HSA is new
to me. We used to have a generous health insurance plan. Didn't know I
have
：the option to move HSA money to other provider. I hope our policy allows
me to shop around. And do you have to take the burden of manually recording
the trades/dividend/rein... 阅读全帖 |
|
m*********y
发帖数: 1890 | 2 If u do dca + dividend reinvest + rebalance + decent cash flow, it's very
hard to lose in long term,
Good cash flow + dca are very powerful in bear markets. That is why ppl say
we really make money in bear markets, in stead of bull market. |
|
g*****g
发帖数: 34805 | 3 拿回来的利息可以 reinvest，如果你用 auto invest, 可以接近一直 fully invested.
如果每年都是 10%的利息，5%的 default, 你就一直接近 5%的复利。因为比例不高，
年初还是年底 default的应该差别不大。
flow
多。 |
|
m*********y
发帖数: 1890 | 4 Buy & hold is not the whole story.
You need asset allocation + rebalance + dividend reinvestment + dca |
|
m*********y
发帖数: 1890 | 5 Buy & hold is not the whole story.
You need asset allocation + rebalance + dividend reinvestment + dca |
|
l****o
发帖数: 372 | 6 选的是divident reinvestment， 总额不变啊。。。 |
|
f*******e
发帖数: 853 | 7 我过去三年都是每个月放$500在一个mutual fund里，去年把这个fund都买了，前两天
收到税表，发现上面有很多月的cost basis低于$500，每年都有dividend和capital
gain distribution，我也都reinvest了，不可能出现cost basis低于我放进的钱啊。
最后的cost basis应该是我放的钱再加上这些年的distribution啊，在什么情况下会出
现cost basis低于initial investment的？ |
|
n**i
发帖数: 116 | 8 自2001到去年的15年里， 有12年是大周期熊市， 到2013年4月结束。大周期牛市开始
。 大周期牛市会到～2030年。 大周期牛市中当然也有熊市， sometimes can be
pretty severe.
IN a secular bear market, SP500 returns ~2%. That is right, even in a
secular bear market, SP500 is still positive.
In a secular bull market, the return is ~17%.
All with dividend reinvested, but not inflation adjusted. |
|
y******5
发帖数: 3836 | 9 人到中年才开roth IRA 的账户， 考古了这个论坛， 打算在VANGUARD开， 但开户过程
中就碰到一个选项不知道， 就是钱transfer 去哪的问题， 有两个选项，一个是
transfer to your money market settlement fund, 另一个是reinvest. 我该选哪个。
请知道的指点一下， 十分感谢。 |
|
J*X
发帖数: 1001 | 10 我选的reinvest，实际上并不重要。
个。 |
|
z*****a
发帖数: 3809 | 11 One benefit is that gains are only taxed upon withdrawal so reinvested gains
compound untaxed. |
|
w***n
发帖数: 1519 | 12 "不建議買bond fund ,建議買bond. 區別在哪裡呢？？bond fund 沒有到期日，而
bond
是有確定的到期日的... 到期拿回本金. 利率的变动对你的回报没有影响."
This is a misconception debunked so many times. It's just mental accounting.
Upon interest hikes, you can ignore the market fluctuations all you want,
and pretend that the value of your individual bonds doesn't suffer a loss,
but in reality the loss has already occurred.
https://www.cbsnews.com/news/bonds-vs-bond-funds-an-easy-choice/
It's better to hold a low-cost bond fund whose effective maturity m... 阅读全帖 |
|
发帖数: 1 | 13 我看了这篇2009年的CBS的文章，文章讲了一个所谓的机会成本“opportunity cost"
，文章也提到laddered bond 不能completely 回避利率的风险. 理论上都没错. 但是
仍然不能否认laddered bond 🈶️明确的现金流而且这个现金流不受利
率变动的任何影响. 这个明确的现金流對一個保守的投資者是很重要的. 尤其是利率
有可能进入一个几十年上涨期的大环境下， 不想現金流受到利率變化的影響。另外，
難道bond fund 沒有這個 opportunity cost? 至于“ misconception debunked so
many times...... mentally accounting....... the loss had already occurred"
是一顶”大帽子“. 希望可以听到更多实际的分析. 不同的观点是好的，大家可以一
起探讨.
" better to hold a low cost bond fund whose effective maturity matches y... 阅读全帖 |
|
S**P
发帖数: 1290 | 14 感觉用fund很难操作啊， Kc说得比较好理解。
[在 wltsn (waterfall) 的大作中提到：]
:"不建議買bond fund ,建議買bond. 區別在哪裡呢？？bond fund 沒有到期日，而
:bond
:是有確定的到期日的... 到期拿回本金. 利率的变动对你的回报没有影响."
:This is a misconception debunked so many times. It's just mental
accounting. Upon interest hikes, you can ignore the market fluctuations all
you want,
:and pretend that the value of your individual bonds doesn't suffer a
loss,
:but in reality the loss has already occurred.
:https://www.cbsnews.com/news/bonds-vs-bond-funds-an-easy-choi... 阅读全帖 |
|
S**P
发帖数: 1290 | 15 对bond fund不太懂，不是特别理解你说的。
我有一笔钱要投资，十年后要拿出来。买十年bond的话结果是可以预期的。我的回报率
和利率没关系。
如果买bond fund的话， 利率如果涨的话，不就跌了吗？
[在 wltsn (waterfall) 的大作中提到：]
:"不建議買bond fund ,建議買bond. 區別在哪裡呢？？bond fund 沒有到期日，而
:bond
:是有確定的到期日的... 到期拿回本金. 利率的变动对你的回报没有影响."
:This is a misconception debunked so many times. It's just mental
accounting. Upon interest hikes, you can ignore the market fluctuations all
you want,
:and pretend that the value of your individual bonds doesn't suffer a
loss,
:but in reality the loss has ... 阅读全帖 |
|
s*******h
发帖数: 1361 | 16 用AGG作个例子,AGG tracks the Barclays U.S. Agg index - 5bps for expense
ratio. "你可以当AGG就是一个股票。有股息，股价也会波动。" It pays dividends/
coupons every month, which you can reinvest in the ETF itself automatically
to achieve the total return .
Behind the scene, both AGG and Agg index are just massive bond ladders, with
the Agg index consisted of about 10,000 bonds while AGG consisted of about
5000 bonds (not practical to replicate every single bonds in Agg). You
dividends come from the bond coupons, and when the... 阅读全帖 |
|
S**P
发帖数: 1290 | 17 呃， 如果把AGG看成股票的话一切都make sense. 问题是我需要bond, 或者说，我需要
像CD一样，在一段时间后能全部转成cash的投资方式。
感觉你说的bond fund只能长期track某一种bond的performance, 但是不能像bond一样
到期兑现啊。
[在 sephiroth (SOLDIER) 的大作中提到：]
:用AGG作个例子,AGG tracks the Barclays U.S. Agg index - 5bps for expense
:ratio. "你可以当AGG就是一个股票。有股息，股价也会波动。" It pays
dividends/
:coupons every month, which you can reinvest in the ETF itself automatically
to achieve the total return .
:Behind the scene, both AGG and Agg index are just massive bond ladders,
with the Agg in... 阅读全帖 |
|
w***n
发帖数: 1519 | 18 There are costs incurred, so it's too much to ask for the fund to be
perfectly tracking the index. I'm not recommending this fund, but I think
they do fairly well.
The 2027 fund is too new. Let's take BSCH (to return all capital this year):
Expense Ratio 0.24%
Median Tracking Difference (12 Mo) -0.26%
Max. Upside Tracking Difference (12 Mo) -0.19%
Max. Downside Tracking Difference (12 Mo) -0.33%
Hypothetically, if you and Buffett combined put in 10 million dollars into
the fund, they will hav... 阅读全帖 |
|
w***n
发帖数: 1519 | 19 "不建議買bond fund ,建議買bond. 區別在哪裡呢？？bond fund 沒有到期日，而
bond
是有確定的到期日的... 到期拿回本金. 利率的变动对你的回报没有影响."
This is a misconception debunked so many times. It's just mental accounting.
Upon interest hikes, you can ignore the market fluctuations all you want,
and pretend that the value of your individual bonds doesn't suffer a loss,
but in reality the loss has already occurred.
https://www.cbsnews.com/news/bonds-vs-bond-funds-an-easy-choice/
It's better to hold a low-cost bond fund whose effective maturity m... 阅读全帖 |
|
发帖数: 1 | 20 我看了这篇2009年的CBS的文章，文章讲了一个所谓的机会成本“opportunity cost"
，文章也提到laddered bond 不能completely 回避利率的风险. 理论上都没错. 但是
仍然不能否认laddered bond 🈶️明确的现金流而且这个现金流不受利
率变动的任何影响. 这个明确的现金流對一個保守的投資者是很重要的. 尤其是利率
有可能进入一个几十年上涨期的大环境下， 不想現金流受到利率變化的影響。另外，
難道bond fund 沒有這個 opportunity cost? 至于“ misconception debunked so
many times...... mentally accounting....... the loss had already occurred"
是一顶”大帽子“. 希望可以听到更多实际的分析. 不同的观点是好的，大家可以一
起探讨.
" better to hold a low cost bond fund whose effective maturity matches y... 阅读全帖 |
|
S**P
发帖数: 1290 | 21 感觉用fund很难操作啊， Kc说得比较好理解。
[在 wltsn (waterfall) 的大作中提到：]
:"不建議買bond fund ,建議買bond. 區別在哪裡呢？？bond fund 沒有到期日，而
:bond
:是有確定的到期日的... 到期拿回本金. 利率的变动对你的回报没有影响."
:This is a misconception debunked so many times. It's just mental
accounting. Upon interest hikes, you can ignore the market fluctuations all
you want,
:and pretend that the value of your individual bonds doesn't suffer a
loss,
:but in reality the loss has already occurred.
:https://www.cbsnews.com/news/bonds-vs-bond-funds-an-easy-choi... 阅读全帖 |
|
S**P
发帖数: 1290 | 22 对bond fund不太懂，不是特别理解你说的。
我有一笔钱要投资，十年后要拿出来。买十年bond的话结果是可以预期的。我的回报率
和利率没关系。
如果买bond fund的话， 利率如果涨的话，不就跌了吗？
[在 wltsn (waterfall) 的大作中提到：]
:"不建議買bond fund ,建議買bond. 區別在哪裡呢？？bond fund 沒有到期日，而
:bond
:是有確定的到期日的... 到期拿回本金. 利率的变动对你的回报没有影响."
:This is a misconception debunked so many times. It's just mental
accounting. Upon interest hikes, you can ignore the market fluctuations all
you want,
:and pretend that the value of your individual bonds doesn't suffer a
loss,
:but in reality the loss has ... 阅读全帖 |
|
s*******h
发帖数: 1361 | 23 用AGG作个例子,AGG tracks the Barclays U.S. Agg index - 5bps for expense
ratio. "你可以当AGG就是一个股票。有股息，股价也会波动。" It pays dividends/
coupons every month, which you can reinvest in the ETF itself automatically
to achieve the total return .
Behind the scene, both AGG and Agg index are just massive bond ladders, with
the Agg index consisted of about 10,000 bonds while AGG consisted of about
5000 bonds (not practical to replicate every single bonds in Agg). You
dividends come from the bond coupons, and when the... 阅读全帖 |
|
S**P
发帖数: 1290 | 24 呃， 如果把AGG看成股票的话一切都make sense. 问题是我需要bond, 或者说，我需要
像CD一样，在一段时间后能全部转成cash的投资方式。
感觉你说的bond fund只能长期track某一种bond的performance, 但是不能像bond一样
到期兑现啊。
[在 sephiroth (SOLDIER) 的大作中提到：]
:用AGG作个例子,AGG tracks the Barclays U.S. Agg index - 5bps for expense
:ratio. "你可以当AGG就是一个股票。有股息，股价也会波动。" It pays
dividends/
:coupons every month, which you can reinvest in the ETF itself automatically
to achieve the total return .
:Behind the scene, both AGG and Agg index are just massive bond ladders,
with the Agg in... 阅读全帖 |
|
w***n
发帖数: 1519 | 25 There are costs incurred, so it's too much to ask for the fund to be
perfectly tracking the index. I'm not recommending this fund, but I think
they do fairly well.
The 2027 fund is too new. Let's take BSCH (to return all capital this year):
Expense Ratio 0.24%
Median Tracking Difference (12 Mo) -0.26%
Max. Upside Tracking Difference (12 Mo) -0.19%
Max. Downside Tracking Difference (12 Mo) -0.33%
Hypothetically, if you and Buffett combined put in 10 million dollars into
the fund, they will hav... 阅读全帖 |
|
d*****y
发帖数: 1073 | 26 恩，你说的verify trades好像我这个offer都没有，确定我们说的是一个类型？
我的理解是产品不同，trade support内容也不同？
因为这个组没有research也没有trade execution之类的活计，只是manage大概30多个
MBS/CDO portfolio，在reinvestment period之间trade一些loan之类的，我这个活计
就是investor report，然后做一些分析，比如说买这个loan，整个portfolio tests会
不会失败阿，卖了那个，portfolio是不是breach test拉~
verify trades有另外的settlement team在做。
难道是各个银行组职位也不同？
shop)
,
the |
|
d*****y
发帖数: 1073 | 27 恩，你说的verify trades好像我这个offer都没有，确定我们说的是一个类型？
我的理解是产品不同，trade support内容也不同？
因为这个组没有research也没有trade execution之类的活计，只是manage大概30多个
MBS/CDO portfolio，在reinvestment period之间trade一些loan之类的，我这个活计
就是investor report，然后做一些分析，比如说买这个loan，整个portfolio tests会
不会失败阿，卖了那个，portfolio是不是breach test拉~
verify trades有另外的settlement team在做。
难道是各个银行组职位也不同？
shop)
,
the |
|
h***y
发帖数: 12 | 28 There is no point in calculating amzn's pe. Amzn is intentionally not
making money. All free cash flow is reinvested into the business.
There is also no point of comparing with Apple. Apple has past it's prime
and the chance of the stock exceeding the 700 high point is not very
promising. Amzn has a long journey a head with many high growth potential
areas - cloud, video, grocery, 3pl/fba, kindle/mobile device, payment... And
overall international expansion
There is a good chance that amzn w... 阅读全帖 |
|
h***y
发帖数: 12 | 29 There is no point in calculating amzn's pe. Amzn is intentionally not
making money. All free cash flow is reinvested into the business.
There is also no point of comparing with Apple. Apple has past it's prime
and the chance of the stock exceeding the 700 high point is not very
promising. Amzn has a long journey a head with many high growth potential
areas - cloud, video, grocery, 3pl/fba, kindle/mobile device, payment... And
overall international expansion
There is a good chance that amzn w... 阅读全帖 |
|
c***z
发帖数: 6348 | 30 摘要：
There’d be only three levels of software engineer: Apprentice, Engineer,
and Mentor/Fellow (equal; one for teaching and one for research). The Mentor
/Fellow level would be maximum salary in the company. No one would get more
in base salary. Not even me, and certainly not some damn non-technical
executive. That’s to keep such people from robbing investors (and employees
).
About 20 percent of profit gets invested back into the business, no matter
what, unless there’s a conscious decision to ... 阅读全帖 |
|
d********f
发帖数: 43471 | 31 你这个的确属于少见多怪了
Layard wrote those wordst fully seven years before Congress passed the
Emergency Unemployment Compensation Act of 2008. The new law dramatically
extended the duration of unemployment benefits, from (typically) 26 weeks to
as much as 39 weeks. Democrats controlled both houses of Congress in 2008.
Then came the American Recovery & Reinvestment Act (ARRA) of 2009, Dear
Leader Barack Hussein Obama's famous “stimulus bill,” that further
extended the duration of unemployment benefits, so ... 阅读全帖 |
|
S*******h
发帖数: 7021 | 32 【 以下文字转载自 USANews 讨论区 】
发信人: brihand (brihand), 信区: USANews
标 题: trump要给非法移民,非绿卡停发福利
发信站: BBS 未名空间站 (Wed Jan 25 19:09:28 2017, 美东)
Limiting social services: “Protecting Taxpayer Resources by Ensuring Our
Immigration Laws Promote Accountability and Responsibility”
Libertarians sometimes suggest “building a wall around the welfare state”
instead of the country — restricting access to public benefits to US
citizens. This executive order proposes that President Trump, who’s already
building a wall ... 阅读全帖 |
|
a***u
发帖数: 335 | 33 AMT Exemption Amounts for 2009
Congress revised the AMT exemption amounts for 2009 as part of the American
Recovery and Reinvestment Act. The revised exemption amounts are higher than
they were scheduled to be, thereby preventing approximately 28 million
middle-income filers from having to pay the AMT. The AMT exemption amounts
for 2009 are:
•$46,700 for single and head of household filers,
•$70,950 for married people filing jointly and for qualifying widows
or widowers, and
•$ |
|
W*******l
发帖数: 222 | 34 Frequently Asked Questions About the Home Buyer Tax Credit
The American Recovery and Reinvestment Act of 2009 authorizes a tax credit o
f up to $8,000 for qualified first-time home buyers purchasing a principal r
esidence on or after January 1, 2009 and before December 1, 2009.
The following questions and answers provide basic information about the tax
credit. If you have more specific questions, we strongly encourage you to co
nsult a qualified tax advisor or legal professional about your uniqu |
|
H******7
发帖数: 34403 | 35 As you may be aware, President Obama Signed the Tax Relief Bill on December
17, 2010.
Beginning with your first pay check of 2011 you will see the affect of the
following two changes in your Tax Withholding amounts.
Decrease in Social Security Taxes
The Tax Relief Act of 2010 makes a major change in the withholding of social
security taxes from employees’ wages by reducing the employee share of
social security tax from 6.2% to 4.2% for the first $106,800 of wages paid
in 2011. The maximum that c... 阅读全帖 |
|
f*****u
发帖数: 729 | 36 【 以下文字转载自 BayAreaHomeLoan 俱乐部 】
发信人: frankfu (Frank), 信区: BayAreaHomeLoan
标 题: Fed May Buy $300 Billion in Treasuries After QE2
发信站: BBS 未名空间站 (Mon Jun 27 20:11:47 2011, 美东)
The Federal Reserve will remain the biggest buyer of Treasuries, even after
the second round of quantitative easing ends this week, as the central bank
uses its $2.86 trillion balance sheet to keep interest rates low.
While the $600 billion purchase program, known as QE2, winds down, the Fed
said June 22 that it will contin... 阅读全帖 |
|
k***a
发帖数: 2400 | 37 就是说你同意seller卖房做1031 exchange。一般这么写的：
Buyer agrees to cooperate with Seller and Enter 1031 Exchange Services, LLC
at no additional cost or liability to Buyer, by executing the documents
necessary to complete Seller’s 1031 Exchange transaction.
1031 exchange：
Internal Revenue Code Section 1031 exchanges allow investors to sell
property and reinvest the proceeds in another property without having to pay
taxes that would otherwise be owed on recognized gain from sale. |
|
w*****m
发帖数: 20421 | 38 必须真的搬家，你要还住在附近肯定是不行的，2年之内必须再买
不买还是要缴税，而且买的可能要比现在的贵才能省税，再买个
便宜的还得缴税
What requirements must I meet to defer my tax liability on the involuntary
conversion of property under Section 1033?
If it is clear that the manner in which the taxpayer lost the property was
in fact a qualified “involuntary conversion”, then there are two real
qualifications the taxpayer must meet to be eligible for non-recognition of
gain under Section 1033.
First, Section 1033 only allows non-recognition of gain where the
rep... 阅读全帖 |
|
f****i
发帖数: 20252 | 39 有没有rental income reinvested曲线? |
|
G*********2
发帖数: 164 | 40 I don’t think I fully understood what you were asking or what you are
trying to do.
It seems that you are trying to borrow money from your 401(k), then use that
money to pay off your mortgage, which probably is not a good idea.
On the surface, yeah, after you pay off your mortgage, you don’t have to
pay the interests to the bank, and you are paying yourself the interests.
But, have you thought that that borrowed money is no longer making money for
you, which could be more than the interests you ... 阅读全帖 |
|
m*****a
发帖数: 365 | 41 真难为楼上写这么多
that
for
&
reinvested) |
|
o****d
发帖数: 1346 | 42 谢谢你。
所以大家都觉得我应该把stable income买基金，但问题是现在股市新高了，现在是好
的时机吗？别又在山头。
是不是暂时取出来半年-一年，再入市呢。
当然我知道timing market是不可能的。
that
for
&
reinvested) |
|
t*******e
发帖数: 269 | 43 如果开了reinvest，就直接复投了
每开的话就在账户现金里 |
|
c*********e
发帖数: 240 | 44 JPMorgan Tells Banks to Partner Up as U.S. Deposit Drain Looms
by Matthew Monks
Matthew Monks
May 8, 2017, 7:38 PM EDT
Crunch may be felt this December as Fed’s policy reverses
Midsize-bank deals already underway in quest for deposits
JPMorgan Chase & Co. has some advice for regional banks: A deposit
drain is coming, so merge while you can.
The company’s investment bankers are warning depository clients that they
may begin feeling the crunch in... 阅读全帖 |
|
a****1
发帖数: 385 | 45 哦明白了，感谢大牛。
好像之后这个钱又自动reinvest进这个fund了，但是NAV就维持在drop后的价格了吧。 |
|
|
a*****g
发帖数: 19398 | 47 It's a simple fact — $12 million is much bigger than $1.2 million.
That's why Oakland University President George Hynd and the Board of
Trustees didn't have to really think about the rationale for increasing
tuition by 8.48% last week and exceeding a state tuition cap. The Rochester
school declined $1.2 million from the state in incentive money in exchange
for getting $12 million in tuition revenue.
Eastern Michigan University made the same calculation in June — $1 million
is much smaller than $... 阅读全帖 |
|
l*****j
发帖数: 4788 | 48 Safeway’s “Poison Pill” and What it Means for You
When you’re just trying to save some money and feed your family, the goings
-on in the boardrooms and backrooms of those who run your local grocery
store are probably of little concern. So if you skimmed over the story about
Safeway in the financial pages of your local paper today, you might want to
take a closer look – because it could ultimately affect where and how you
shop. Especially if your preferred store is Vons, Dominick’s or a Safeway
l... 阅读全帖 |
|
o********e
发帖数: 34 | 49 【 以下文字转载自 Physics 讨论区 】
发信人: olivertree (Life is good), 信区: Physics
标 题: Postdoc, Senior Research Position at UMD/NIST (Deadline: Jan. 15)
发信站: BBS 未名空间站 (Sat Jan 8 11:54:06 2011, 美东)
Please check the link if you are interested.
These positions have no requirement of citizenship. So everyone can apply.
The deadline is Jan. 15, 2011.
The website link is:
http://www.nistfellows.umd.edu/
Hapyy new year.
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Fellowships for researchers in measurement... 阅读全帖 |
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c**i
发帖数: 6973 | 50 China was a great civilization. For the past half millennium, 子孫不成才,
sqaundering hte patrimony.
China was above rules and laws, Chairman Mao said. "It is unique."
Well, not necessarily.
Whether China will collapse or when, economically or politically, it is
beyond me. Many pundits and investors have placed their bets--one way or the
other, sometimes risking their own money. I will not deal with it today.
I am going to talk about invisible laws in nature, such as economic laws.
(1) You state, "国的... 阅读全帖 |
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