t*m
发帖数: 4414 | 1 我的roth IRA,一直在买 VFORX
它是个 funds of funds
Asset allocation as of 01/31/2011
Vanguard Total Stock Market Index Fund Investor Shares 63.1%
VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND INVESTOR SHARES 26.8%
Vanguard Total Bond Market II Index Fund Investor Shares 10.1%
其中
VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND INVESTOR SHARES 有23.6%
invested in emerging market.
我的问题是，emerging market exposure 是不是偏小啊？ 要不要另外补点儿 vwo? |
|
t*m
发帖数: 4414 | 2 good point. FFFFX has high expense ratio than Vanguard counterpart, VFORX
(1) fidelity now offers "K" target funds with lower expense
(2) look at VFORX and FFFFX for the past decade, their return is similar.
we don't see the advantage of vanguard's low cost
(3) Many people's 401K is at Fidelity, and the plan does not offer VFORX.
would |
|
t*m
发帖数: 4414 | 3 投资策略长时期不变
比如每个月初和月中，各买 $3000 Vanguard Target Retirement 2040 Fund (VFORX)
十年如一
（当portforlio大了以后，可以买VFORX下面funds的 admire share, 每个季度
rebalance,与VFORX一致) |
|
y***e
发帖数: 6082 | 4 看了一圈，是不是vanguard的VFORX是相对最好的retirement plan？打算买roth了
是不是开roth就在网上办理所有手续？
at Vanguard, you buy VFORX, even better. |
|
s******d
发帖数: 323 | 5 I finally took the courage and time to dig out my vanguard and fidelity
statement and did a rough calculation of 2008 and 2009 returns in IRA from
both me and my LD (which is managed by me)..
2008: -6.01%
2009: 16.68%
my benchmark is VFORX, which returned -34.5% and 28.3% respectively.
I'm pretty satisified, except that most gains appeared in my LD's IRA,
not mine.. sigh |
|
s*****n
发帖数: 2174 | 6 挺好的, 对于懒得自己 rebalance portfolio 的人, 是很好的 retirement 投资选择. 不过这种target retirement fund/trust, Vanguard 的 expense ratio 更低一些.
Fidelity Freedom 2040 Fund (FFFFX)
Expense Ratio: as of 05/30/2009 0.79%
Vanguard Target Ret 2040 Inv CL (VFORX)
Expense Ratio: as of 01/26/2010 0.20% |
|
C*******O
发帖数: 147 | 7 Vanguard Target Retirement 2040 Inv
(MUTF:VFORX)
21.48 -0.46 (-2.10%) |
|
t*m
发帖数: 4414 | 8 不仅仅是ira,外带 individual accounts
VFORX) |
|
t*m
发帖数: 4414 | 9 at Vanguard, you buy VFORX, even better. |
|
t*m
发帖数: 4414 | 10 good point. 我IRA里多年的Vanguard Target Retirement 2040 Fund (VFORX)
亏惨了。
怎么办？吧 IRA/401K 里面的 international funds 换成 domestic funds?
non-retirement account里做对应调整？
谢谢!
foreign |
|
r******8
发帖数: 430 | 11 我的Vanguard账户里分两部分：Roth IRA and Rollover IRA
Roth IRA 2007年个人开的，知道现在共买了8000刀本金的VANGUARD TARGET
RETIREMENT 2040 (VFORX)。
现在刚开Rollover IRA，里面有11500刀的闲钱，是从学校退休账户里转进来的。投资
的东西不懂，不知该买点啥MF？本站考古了一下，有人说买VANGUARD WELLINGTON
INCOME FUND (VWELX)就行，还有其他的吗？请推荐，多谢了！另外，这些钱就打算长
期投资的，基本上不太管理。 |
|
b**y
发帖数: 94 | 12 看来被secondcity鄙视了。
我是诚心来求教的，牛人们有什么好建议，还请不吝赐教。
下面是我Vangard上面的所有fund.
Group A Funds
Vanguard Target Retirement Income VTINX
Vanguard Target Retirement 2010 VTENX
Vanguard Target Retirement 2015 VTXVX
Vanguard Target Retirement 2020 VTWNX
Vanguard Target Retirement 2025 VTTVX
Vanguard Target Retirement 2030 VTHRX
Vanguard Target Retirement 2035 VTTHX
Vanguard Target Retirement 2040 VFORX
Vanguard Target Retirement 2... 阅读全帖 |
|
n********e
发帖数: 1789 | 13 有这些选择，现在30+，还有30多年才退休。如何选择比较好啊？感觉没有几个好的
fund啊。Expense Ratio都很高。还有很多都是很新的fund。谢谢
EQUITY/STOCK Symbol ER(%) 1YR 10YR Life From
ALLIANCE BERNSTEIN GLBL ANAIX 0.59 -0.25 5.32 2007
BLACKROCK EQUITY IND NON BEMMT 0.04 21.87 17.67 2012
BLACKROCK MSCI ACWI EXUS BIMIT 12.86 2011
DODGE & COX INTERNATIONA DODFX 0.64 25.25 9.25 9.15 2001
HARTFORD SMALLCAP GROWTH HISCX 0.67 27.95 9.86 10.17 1994
SSGA RUSSELL SMALL/MID C YDSAT ... 阅读全帖 |
|
b****g
发帖数: 1912 | 14 刚roll over 401k到anguard，选了如下，
请大家评价一下， 选的如何， 需要调整不
后面的expense ratio是不是一年 收这个比例？
FIAX 0.05%
VGHCX 0.35%
VHDYX 0.19%
VLCAX 0.09%
VMMXX 0.17%
VGSLX 0.10%
VFORX 0.18%
thanks |
|
f*********7
发帖数: 1040 | 15 请高手指点：vanguard Roth IRA 买哪个funds 比较合适？
PS：新手，对股票知识是白痴 （也 不准备买）。准备３０年后退休，可以承担low－
moderate risk。 可供选择的below： thanks
Mutual funds
General attributes
Name (Minimum)
Ticker
Asset
Class
Fund No.
Expense ratio
Admiral Treasury Money Market
VUSXX
Money Market
0011
0.09%
Federal Money Market
VMFXX
Money Market
0033
0.11%
Prime Money Market ($3,000 minimum)
VMMXX
Money Market
0030
0.16%
Short-Term Bond Index ($3,000 minimum)
VBISX
Bond - Short-term Investment
0132
0.20%
Short-Term Federal ($3... 阅读全帖 |
|
c*********2
发帖数: 216 | 16 刚刚开始弄401k，但是不太懂。自己炒股过。现在不知道怎么把401K里面的钱拿来自己
炒股。
公司用的是Merrill Lynch。以下是提供的各种bond选择。
EQUITY/STOCK Symbol Current Desired
AMERICAN BALANCED FUND CL R6 RLBGX 0%
AMERICAN EURO PACIFIC RERGX 0%
BLACKROCK EQUITY INDEX FD CL M BEIMT 5%
BLACKROCK MSCI EAFE EQTY FD M BMSCT 20%
BLACKROCK RUSSELL 2000 FD M BRIFT 9%
JP MORGAN MID VALUE INST FLMVX 25%
JP MORGAN U.S. EQUITY FD CL R5 JUSRX 9%
NEUBERGER BERMAN MID CP CL R6 NRMGX 0%
O... 阅读全帖 |
|
w*r
发帖数: 11 | 17 刚工作的小白，请大牛们帮忙看下分配合不合理。
我的分配：
Vanguard Value Index Fund Admiral Shares VVIAX 0506 20.00%
Vanguard Growth Index Fund Admiral Shares VIGAX 0509 30.00%
Vanguard 500 Index Fund Admiral Shares VFIAX 0540 40.00%
Vanguard Total Bond Market Index Fund VBTLX 0584 10.00%
可选funds：
Short-Term Reserves
Vanguard Prime Money Mkt Fund VMMXX 0.16%
Vanguard Retire Savings Trust IV — 0.43%
Bond Funds
Vanguard Tot Intl Bond Ix Adm... 阅读全帖 |
|
T***N
发帖数: 1835 | 18 Name Gross Expense Ratio
ABF LG CAP VAL INST (AADEX) 0.59%
AF FUNDMNTL INV R6 (RFNGX) 0.31%
AF GRTH FUND AMER R6 (RGAGX) 0.33%
FID CONTRAFUND (FCNTX) 0.71%
VANGUARD INST INDEX (VINIX) 0.04%
GS GROWTH OPPS INST (GGOIX) 1%
MFS MID CAP VALUE R3 (MVCHX) 1.19%
VANG EXT MKT IDX ADM (VEXAX) 0.09%
DFA US TARGET VALUE (DFFVX) 0.37%
HARTFORD SMALL CO Y (HSCYX) 0.86%
NB GENESIS - INST CL (NBGIX) 0.85%
AF EUROPAC GROWTH R6 (RERGX) 0.5%
MFS INTL NEW DISC R3 (MIDHX) 1.37%
V... 阅读全帖 |
|
f*********7
发帖数: 1040 | 19 请高手指点：vanguard Roth IRA 买哪个funds 比较合适？
PS：新手，对股票知识是白痴 （也 不准备买）。准备３０年后退休，可以承担low－
moderate risk。 可供选择的below： thanks
Mutual funds
General attributes
Name (Minimum)
Ticker
Asset
Class
Fund No.
Expense ratio
Admiral Treasury Money Market
VUSXX
Money Market
0011
0.09%
Federal Money Market
VMFXX
Money Market
0033
0.11%
Prime Money Market ($3,000 minimum)
VMMXX
Money Market
0030
0.16%
Short-Term Bond Index ($3,000 minimum)
VBISX
Bond - Short-term Investment
0132
0.20%
Short-Term Federal ($3... 阅读全帖 |
|
发帖数: 1 | 20 widemouth大牛，我是在vanguard开的户。你说的那两个指数，具体是下面的哪一个啊？
Mutual funds
General attributes
Name (Minimum)Sort TickerSort Asset
ClassSort Fund No. Expense ratio
Federal Money Market ($3,000 minimum) VMFXX Money Market 0033
0.11%
Prime Money Market ($3,000 minimum) VMMXX Money Market 0030
0.16%
Treasury Money Market ($50,000 minimum) VUSXX Money Market
0011 0.09%
California Municipal Money Market ($3,000 minimum) VCTXX Money
Market... 阅读全帖 |
|
