H********7 发帖数: 2369 | 1 请教一下,如果有8到10万的闲钱,应该做什么长线投资?不想每天看盘TRADE。
周期2年左右吧
请教一下板上的各位高手,谢谢啊 |
s********n 发帖数: 1962 | 2 买点黄金吧,然后 forget it 可以两年以后再回来看盘。
【在 H********7 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 请教一下,如果有8到10万的闲钱,应该做什么长线投资?不想每天看盘TRADE。 : 周期2年左右吧 : 请教一下板上的各位高手,谢谢啊
|
K****D 发帖数: 30533 | 3 2 year CD.
【在 H********7 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 请教一下,如果有8到10万的闲钱,应该做什么长线投资?不想每天看盘TRADE。 : 周期2年左右吧 : 请教一下板上的各位高手,谢谢啊
|
H********7 发帖数: 2369 | 4 黄金还能涨吗?
感觉已经很高位了
【在 s********n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 买点黄金吧,然后 forget it 可以两年以后再回来看盘。
|
H********7 发帖数: 2369 | 5 利率太低吧。
我知道国内某银行的美元理财帐户可以给到3.99%的年利率
【在 K****D 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 2 year CD.
|
K****D 发帖数: 30533 | 6 You need to define 闲钱 first.
Do you need to use it after 2 years? If you don't need to use
it (or can postpone using it) then the time horizon is not 2
years. By common definition 闲钱 means "will not use it forever
and can afford to lose it all".
【在 H********7 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 黄金还能涨吗? : 感觉已经很高位了
|
H********7 发帖数: 2369 | 7 wow
可能我的定义不同,我只是2、3年之内暂时不用这些钱,以后肯定需要用的,没法
AFFORD to LOSE IT at all
【在 K****D 的大作中提到】![](/moin_static193/solenoid/img/up.png) : You need to define 闲钱 first. : Do you need to use it after 2 years? If you don't need to use : it (or can postpone using it) then the time horizon is not 2 : years. By common definition 闲钱 means "will not use it forever : and can afford to lose it all".
|
K****D 发帖数: 30533 | 8 2-year CD.
【在 H********7 的大作中提到】![](/moin_static193/solenoid/img/up.png) : wow : 可能我的定义不同,我只是2、3年之内暂时不用这些钱,以后肯定需要用的,没法 : AFFORD to LOSE IT at all
|
p********r 发帖数: 1980 | 9 That's actually the wrong advice. In most of the times, it is actually
better to buy 5 year CD and breaks out the contract (and pay few months
interest rate penalty) if you know that you will have at least 2 years not
needing the money.
Simple math. Just try it.
【在 K****D 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 2 year CD.
|
K****D 发帖数: 30533 | 10 Oh, I thought 5 year CD's early withdraw penalty was typically
6-12 months' interest...
【在 p********r 的大作中提到】![](/moin_static193/solenoid/img/up.png) : That's actually the wrong advice. In most of the times, it is actually : better to buy 5 year CD and breaks out the contract (and pay few months : interest rate penalty) if you know that you will have at least 2 years not : needing the money. : Simple math. Just try it.
|
|
|
w*********y 发帖数: 7895 | 11 it depends on the type of cd you have.
【在 K****D 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Oh, I thought 5 year CD's early withdraw penalty was typically : 6-12 months' interest...
|
f*****g 发帖数: 15860 | |
n******n 发帖数: 12088 | 13 看来还是CD最合适。短期国债利率太低。
可以换成人民币存国内两年定期,利息稍高些,还有人民币升值期望。土共这个政府应
该没胆让人民币贬值。
不过风险也有,汇兑损失加外汇管制风险。
【在 H********7 的大作中提到】![](/moin_static193/solenoid/img/up.png) : wow : 可能我的定义不同,我只是2、3年之内暂时不用这些钱,以后肯定需要用的,没法 : AFFORD to LOSE IT at all
|
a******3 发帖数: 170 | 14 bond fund like tip etc. |
j********q 发帖数: 1001 | |
s****m 发帖数: 160 | |
d****o 发帖数: 443 | 17 wmt,msft,aapl,goog 每个一万。
agnc, pwe,nflx, cmg 每个5k.
剩下的20k,临时买点qid之类的。
【在 H********7 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 请教一下,如果有8到10万的闲钱,应该做什么长线投资?不想每天看盘TRADE。 : 周期2年左右吧 : 请教一下板上的各位高手,谢谢啊
|
s*****n 发帖数: 5488 | 18 买qid也拿出来敢教人。这东西长期看要归零的。
【在 d****o 的大作中提到】![](/moin_static193/solenoid/img/up.png) : wmt,msft,aapl,goog 每个一万。 : agnc, pwe,nflx, cmg 每个5k. : 剩下的20k,临时买点qid之类的。
|
d****o 发帖数: 443 | 19 短期, 比看着投资缩水好吧?
【在 s*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 买qid也拿出来敢教人。这东西长期看要归零的。
|
H********7 发帖数: 2369 | 20 还是只敢买WMT,XOM,GE这些
别的还是买BOND算了 |
|
|
N********n 发帖数: 8363 | 21
All in gold / silver investment.
【在 H********7 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 请教一下,如果有8到10万的闲钱,应该做什么长线投资?不想每天看盘TRADE。 : 周期2年左右吧 : 请教一下板上的各位高手,谢谢啊
|
a**n 发帖数: 2431 | 22 I think both XOM and GE have serious problems, esp. GE
I am not familar with WMT to say if we should be concerned about the long te
rm competition pressure from online shopping for grocery.
As for BOND, it really depends on what kind of BOND you are going to buy ; a
t this time it's very easy to be "trapped" in bonds if you are not careful e
nough.
【在 H********7 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 还是只敢买WMT,XOM,GE这些 : 别的还是买BOND算了
|
M*******s 发帖数: 1210 | 23 can you elaborate on the problems with xom and ge please?
te
a
e
【在 a**n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : I think both XOM and GE have serious problems, esp. GE : I am not familar with WMT to say if we should be concerned about the long te : rm competition pressure from online shopping for grocery. : As for BOND, it really depends on what kind of BOND you are going to buy ; a : t this time it's very easy to be "trapped" in bonds if you are not careful e : nough.
|
c**********l 发帖数: 606 | 24 all in gold is not sound.
all in bond is not sound.
all in stock is not sound.
all in cash is not sound in the long run. for 2 years, all cash equivalent
(short term bonds, CD) is probably OK.
【在 N********n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : : All in gold / silver investment.
|
k***n 发帖数: 3158 | 25 do whatever you feel comfortable
remember that investment is only part of your life. if you can not sleep
well when taking high risk investment, it is not worth it.
for bond, tips might be the only one I would touch. but that's just me
【在 H********7 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 还是只敢买WMT,XOM,GE这些 : 别的还是买BOND算了
|
k***n 发帖数: 3158 | 26 big gold bug, peter schiff, lost in CT GOP primary
for what reason? nobody has heard of him in his home state. lol
it tells you that most of the public does not even bother paying
attention on gold. bubble? lol
【在 N********n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : : All in gold / silver investment.
|
N********n 发帖数: 8363 | 27
Americans are doomed by own ignorance.
【在 k***n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : big gold bug, peter schiff, lost in CT GOP primary : for what reason? nobody has heard of him in his home state. lol : it tells you that most of the public does not even bother paying : attention on gold. bubble? lol
|
n******n 发帖数: 12088 | 28 then just index etf: dia, spy, qqqq, iwm, eem.
【在 H********7 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 还是只敢买WMT,XOM,GE这些 : 别的还是买BOND算了
|
H********7 发帖数: 2369 | 29 but index does not have dividend
【在 n******n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : then just index etf: dia, spy, qqqq, iwm, eem.
|
s*****n 发帖数: 5488 | 30 有xs
【在 H********7 的大作中提到】![](/moin_static193/solenoid/img/up.png) : but index does not have dividend
|
|
|
H********7 发帖数: 2369 | 31 请问XS是什么,谢谢
【在 s*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 有xs
|