M******9 发帖数: 223 | 1 我在American funds 开了IRA帐户,每次买卖FUNDS 要交6%手续费(COMMISION),这高
么?有没有手续费少些的,给推荐一下?多谢! |
s******e 发帖数: 15 | 2 My goodness. You're serious, right?
Most people would be happy with 6% annual return. You only need 12 years to
double your money with that kind of return.
How about E-trade or other discount services? They charge some where around
$10-15 per trade. You could do ETF, stock, and mutual funds.
Hope this helps. |
s********n 发帖数: 1962 | 3 你交的那不是手续费,那叫 front load,应该只有买的时候 charge。卖的时候是
另一回事 (back load). 6% 很高了,American funds 是这样的。
以后买 fund 之前先研究好,要买 no-load 的。Fidelity 和 Vanguard 多的是。
【在 M******9 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我在American funds 开了IRA帐户,每次买卖FUNDS 要交6%手续费(COMMISION),这高 : 么?有没有手续费少些的,给推荐一下?多谢!
|
s******e 发帖数: 15 | 4 BZ, are you sure about this?
LZ was saying 每次买卖FUNDS 要交6%手续费(COMMISION). The fee I mentioned on
E-Trade was transaction fee, since it charged buy and sell. If you buy and
see $3000 worth of stock, you pay $20-30, about 0.7-1%. This is not load to
talk about, at least not in the sense of mutual fund when you buy from a
bank.
I never fully understand the fee structure of mutual fund, and will never
intend to. But whenever you pay 6% commission, there is either something
wrong, or there is a compel |
s********n 发帖数: 1962 | 5 6% as commission would be unreasonably and unheard high. But 6% as front
load is actually normal (but doesn't mean it's good). Particularlly, I
know the front load of American Funds is around 6%.
I know you are talking about commission. But I guess LZ confused front
load with commission.
Nobody with some basic investment knowledge would ever pay 6% front-load.
But average people can easily fall into sales traps and pay that high front
load, sometimes without even knowing.
on
to
【在 s******e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : BZ, are you sure about this? : LZ was saying 每次买卖FUNDS 要交6%手续费(COMMISION). The fee I mentioned on : E-Trade was transaction fee, since it charged buy and sell. If you buy and : see $3000 worth of stock, you pay $20-30, about 0.7-1%. This is not load to : talk about, at least not in the sense of mutual fund when you buy from a : bank. : I never fully understand the fee structure of mutual fund, and will never : intend to. But whenever you pay 6% commission, there is either something : wrong, or there is a compel
|
s******e 发帖数: 15 | 6 You're probably right, as I vaguely recall hearing min 3% front loan/back
load from mutual fund. Never a big fan of that, as it was too boring when I
was playing stocks, and too much fees when I want to go with less volatile
investment.
As you said, 6% load if "normal", but that doesn't make it right. People
really should look around and do their homework to find out what's best for
them. This board should is a good place to start.
front load, sometimes without even knowing.
【在 s********n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 6% as commission would be unreasonably and unheard high. But 6% as front : load is actually normal (but doesn't mean it's good). Particularlly, I : know the front load of American Funds is around 6%. : I know you are talking about commission. But I guess LZ confused front : load with commission. : Nobody with some basic investment knowledge would ever pay 6% front-load. : But average people can easily fall into sales traps and pay that high front : load, sometimes without even knowing. : : on
|
h********0 发帖数: 440 | 7 I did the similar thing.
And now I want to stop the contribution. Can I just roll it over to another
company?
Where I can find such information?
Thanks.
【在 M******9 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我在American funds 开了IRA帐户,每次买卖FUNDS 要交6%手续费(COMMISION),这高 : 么?有没有手续费少些的,给推荐一下?多谢!
|
h********0 发帖数: 440 | 8 可不可以推荐一些fidelity and varguard的fund?
【在 s********n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 你交的那不是手续费,那叫 front load,应该只有买的时候 charge。卖的时候是 : 另一回事 (back load). 6% 很高了,American funds 是这样的。 : 以后买 fund 之前先研究好,要买 no-load 的。Fidelity 和 Vanguard 多的是。
|
l*********e 发帖数: 7492 | 9 sure you can
你去fidelity就应该有怎么roll over的信息。
another
这高
【在 h********0 的大作中提到】![](/moin_static193/solenoid/img/up.png) : I did the similar thing. : And now I want to stop the contribution. Can I just roll it over to another : company? : Where I can find such information? : Thanks.
|
n******n 发帖数: 12088 | 10 no-load会不会performance不好?
这个就像yield不同的债券一样,实际价值都相同?
【在 s********n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 你交的那不是手续费,那叫 front load,应该只有买的时候 charge。卖的时候是 : 另一回事 (back load). 6% 很高了,American funds 是这样的。 : 以后买 fund 之前先研究好,要买 no-load 的。Fidelity 和 Vanguard 多的是。
|
n******n 发帖数: 12088 | 11 0.7~1% is very expensive.
on
to
【在 s******e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : BZ, are you sure about this? : LZ was saying 每次买卖FUNDS 要交6%手续费(COMMISION). The fee I mentioned on : E-Trade was transaction fee, since it charged buy and sell. If you buy and : see $3000 worth of stock, you pay $20-30, about 0.7-1%. This is not load to : talk about, at least not in the sense of mutual fund when you buy from a : bank. : I never fully understand the fee structure of mutual fund, and will never : intend to. But whenever you pay 6% commission, there is either something : wrong, or there is a compel
|