c********o 发帖数: 40 | 1 本人不会理财,也没有追踪股市的耐心和热情,但是有些闲钱放在BOA的saving里。
不多,几万的样子,但是总觉着是不是应该有更好的投资方法。
看了stock,monkey,investment等板块,头都大了。。。。。。还是一点想法都没有。
几年前有放一点点在vangurad mutual fund里面,去年跌一点,今年涨一点。也是大半
年上去看看就很给面子了。。。不过总的来说也比saving account里多得多一点好象。
不知道各位大牛能不能给一点建议,这些不多不少的小钱应该放在哪里比较合适。
多谢多谢!
Cristal |
O*R 发帖数: 609 | 2 monkey...
【在 c********o 的大作中提到】 : 本人不会理财,也没有追踪股市的耐心和热情,但是有些闲钱放在BOA的saving里。 : 不多,几万的样子,但是总觉着是不是应该有更好的投资方法。 : 看了stock,monkey,investment等板块,头都大了。。。。。。还是一点想法都没有。 : 几年前有放一点点在vangurad mutual fund里面,去年跌一点,今年涨一点。也是大半 : 年上去看看就很给面子了。。。不过总的来说也比saving account里多得多一点好象。 : 不知道各位大牛能不能给一点建议,这些不多不少的小钱应该放在哪里比较合适。 : 多谢多谢! : Cristal
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X****r 发帖数: 3557 | 3 就放在Vanguard mutual fund里就好。
【在 c********o 的大作中提到】 : 本人不会理财,也没有追踪股市的耐心和热情,但是有些闲钱放在BOA的saving里。 : 不多,几万的样子,但是总觉着是不是应该有更好的投资方法。 : 看了stock,monkey,investment等板块,头都大了。。。。。。还是一点想法都没有。 : 几年前有放一点点在vangurad mutual fund里面,去年跌一点,今年涨一点。也是大半 : 年上去看看就很给面子了。。。不过总的来说也比saving account里多得多一点好象。 : 不知道各位大牛能不能给一点建议,这些不多不少的小钱应该放在哪里比较合适。 : 多谢多谢! : Cristal
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f*****g 发帖数: 15860 | 4 High Yield Reward Checking Accounts
http://www.depositaccounts.com/checking/reward-checking-accounts.html
放哪也不要放BOA这样的垃圾大银行,savings rate利息才0.x吧?
懒人就找上面的某个小银行(都是FDIC insured,不用担心),唯一麻烦点的就是一个月
往往要刷10次小额debit交易,和一次direct deposit,但是没有任何风险。
【在 c********o 的大作中提到】 : 本人不会理财,也没有追踪股市的耐心和热情,但是有些闲钱放在BOA的saving里。 : 不多,几万的样子,但是总觉着是不是应该有更好的投资方法。 : 看了stock,monkey,investment等板块,头都大了。。。。。。还是一点想法都没有。 : 几年前有放一点点在vangurad mutual fund里面,去年跌一点,今年涨一点。也是大半 : 年上去看看就很给面子了。。。不过总的来说也比saving account里多得多一点好象。 : 不知道各位大牛能不能给一点建议,这些不多不少的小钱应该放在哪里比较合适。 : 多谢多谢! : Cristal
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a*****n 发帖数: 5158 | 5
还有是怕你开好的,利息没多久就降了
多年前开的eloan,emmigrantdirect就是这样
【在 f*****g 的大作中提到】 : High Yield Reward Checking Accounts : http://www.depositaccounts.com/checking/reward-checking-accounts.html : 放哪也不要放BOA这样的垃圾大银行,savings rate利息才0.x吧? : 懒人就找上面的某个小银行(都是FDIC insured,不用担心),唯一麻烦点的就是一个月 : 往往要刷10次小额debit交易,和一次direct deposit,但是没有任何风险。
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f*****g 发帖数: 15860 | 6 it's fine, the ones i use have kept their rate over 3.x (first arkansas bank
& trust, bank of the sierra, etc.) for a long time (at least over a year).
planning to open another one locally, which is offering 4% when one of my
CDs (4.5%) matures next week.
there're plenty of such small banks, all FDIC issured and with online
banking, so your money is safe and easy to move around.
【在 a*****n 的大作中提到】 : : 还有是怕你开好的,利息没多久就降了 : 多年前开的eloan,emmigrantdirect就是这样
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c***n 发帖数: 314 | 7 如果一两年不用,就放在Vanguard stock index mutual fund, 小心点就放total
market mutual fund, 大胆点就放small stock index。
如果半年内用的钱,不建议放mutual fund |
s*****g 发帖数: 939 | 8 Fryking在DC area吧? 哪家本地银行给4%了? 是只针对一部分现有客户么? |
t*m 发帖数: 4414 | 9 dollar cost average? or just one deal?
【在 c***n 的大作中提到】 : 如果一两年不用,就放在Vanguard stock index mutual fund, 小心点就放total : market mutual fund, 大胆点就放small stock index。 : 如果半年内用的钱,不建议放mutual fund
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s*******d 发帖数: 126 | 10 how about Vanguard Total Bond Market Index Admiral Shares (VBTLX)? with an
expense ratio of 0.12%. Vanguard just lower the minimum investment amount
for a lot of Admiral Shares. It used to be the case that you had to put down
$100,000 to get the admiral shares. Now the threadhold is only $10,000.
【在 c********o 的大作中提到】 : 本人不会理财,也没有追踪股市的耐心和热情,但是有些闲钱放在BOA的saving里。 : 不多,几万的样子,但是总觉着是不是应该有更好的投资方法。 : 看了stock,monkey,investment等板块,头都大了。。。。。。还是一点想法都没有。 : 几年前有放一点点在vangurad mutual fund里面,去年跌一点,今年涨一点。也是大半 : 年上去看看就很给面子了。。。不过总的来说也比saving account里多得多一点好象。 : 不知道各位大牛能不能给一点建议,这些不多不少的小钱应该放在哪里比较合适。 : 多谢多谢! : Cristal
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t*m 发帖数: 4414 | 11 在 Vanguard 开 brokerage account
必须在money market account里面放$3000, why?
down
有。
大半
象。
【在 s*******d 的大作中提到】 : how about Vanguard Total Bond Market Index Admiral Shares (VBTLX)? with an : expense ratio of 0.12%. Vanguard just lower the minimum investment amount : for a lot of Admiral Shares. It used to be the case that you had to put down : $100,000 to get the admiral shares. Now the threadhold is only $10,000.
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l*u 发帖数: 2090 | 12 王八的屁股——规定
【在 t*m 的大作中提到】 : 在 Vanguard 开 brokerage account : 必须在money market account里面放$3000, why? : : down : 有。 : 大半 : 象。
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g********3 发帖数: 1281 | 13 Which local bank? Thanks.
【在 f*****g 的大作中提到】 : it's fine, the ones i use have kept their rate over 3.x (first arkansas bank : & trust, bank of the sierra, etc.) for a long time (at least over a year). : planning to open another one locally, which is offering 4% when one of my : CDs (4.5%) matures next week. : there're plenty of such small banks, all FDIC issured and with online : banking, so your money is safe and easy to move around.
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f*****g 发帖数: 15860 | 14 http://www.baltcosavings.com/rewardschecking/index.asp
【在 s*****g 的大作中提到】 : Fryking在DC area吧? 哪家本地银行给4%了? 是只针对一部分现有客户么?
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f**********8 发帖数: 2276 | |
c*****x 发帖数: 429 | 16 Vanguard, just three funds are enough:
Vanguard Total Bond Market Index Fund: a%
Vanguard Total Stock Market Index Fund: b%
Vanguard Total International Stock Index Fund: c%
Percentages roughly determined from:
b=c=(110-YourAge)/2
a=100-(b+c) |
t*m 发帖数: 4414 | 17 (1)
Vanguard Total Bond Market Index 仅仅覆盖美国bond吧
(2)
如今美国利率这么低,如果两年后升息,这么多bond holding ?
【在 c*****x 的大作中提到】 : Vanguard, just three funds are enough: : Vanguard Total Bond Market Index Fund: a% : Vanguard Total Stock Market Index Fund: b% : Vanguard Total International Stock Index Fund: c% : Percentages roughly determined from: : b=c=(110-YourAge)/2 : a=100-(b+c)
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c*****x 发帖数: 429 | 18
Yes.
My original post was wrong. It has been corrected.
【在 t*m 的大作中提到】 : (1) : Vanguard Total Bond Market Index 仅仅覆盖美国bond吧 : (2) : 如今美国利率这么低,如果两年后升息,这么多bond holding ?
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t*m 发帖数: 4414 | 19 nice.
should people hold some "new market" bond index funds?
【在 c*****x 的大作中提到】 : : Yes. : My original post was wrong. It has been corrected.
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S**C 发帖数: 2964 | 20 If your total asset is more than 25K, Wellstrade is THE best deal in town. It gives you 100 free trades per year (NTF is not counted in the 100 free trade), and provides many good institutional class funds for a reasonable minimum in retirement account. If your taxable and tax-deferred account combined have 25K, both accounts get 100 free trades.
【在 c********o 的大作中提到】 : 本人不会理财,也没有追踪股市的耐心和热情,但是有些闲钱放在BOA的saving里。 : 不多,几万的样子,但是总觉着是不是应该有更好的投资方法。 : 看了stock,monkey,investment等板块,头都大了。。。。。。还是一点想法都没有。 : 几年前有放一点点在vangurad mutual fund里面,去年跌一点,今年涨一点。也是大半 : 年上去看看就很给面子了。。。不过总的来说也比saving account里多得多一点好象。 : 不知道各位大牛能不能给一点建议,这些不多不少的小钱应该放在哪里比较合适。 : 多谢多谢! : Cristal
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t*m 发帖数: 4414 | 21 楼主说不喜欢追踪股市,
所以还是买balanced funds捂着好了。
It gives you 100 free trades per year (NTF is not counted in the 100 free
trade), and provides many good institutional class funds for a reasonable
minimum in retirement account. I:
有。
大半
象。
【在 S**C 的大作中提到】 : If your total asset is more than 25K, Wellstrade is THE best deal in town. It gives you 100 free trades per year (NTF is not counted in the 100 free trade), and provides many good institutional class funds for a reasonable minimum in retirement account. If your taxable and tax-deferred account combined have 25K, both accounts get 100 free trades.
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S**C 发帖数: 2964 | 22 Trade does not necessarily mean trade stocks, it could mean DCA into some
mutual funds.
【在 t*m 的大作中提到】 : 楼主说不喜欢追踪股市, : 所以还是买balanced funds捂着好了。 : : It gives you 100 free trades per year (NTF is not counted in the 100 free : trade), and provides many good institutional class funds for a reasonable : minimum in retirement account. I: : 有。 : 大半 : 象。
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n******n 发帖数: 12088 | 23 wellstrade ui sucks.
amtd/fidelity both provide free etf. much better than wellstrade 100 free
trade, and there's no maintenance requirement.
It gives you 100 free trades per year (NTF is not counted in the 100 free
trade), and provides many good institutional class funds for a reasonable
minimum in retirement account. If your taxable and tax-deferred account
combined have 25K, both accounts get 100 free trades.
【在 S**C 的大作中提到】 : If your total asset is more than 25K, Wellstrade is THE best deal in town. It gives you 100 free trades per year (NTF is not counted in the 100 free trade), and provides many good institutional class funds for a reasonable minimum in retirement account. If your taxable and tax-deferred account combined have 25K, both accounts get 100 free trades.
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S**C 发帖数: 2964 | 24 I do not trade much, not interested in ETFs. Wellstrade appeals to me
because of 1) low minimum for some institutional class funds such as IVWIX
in retirement account and 2) free trade for some good TFs.
【在 n******n 的大作中提到】 : wellstrade ui sucks. : amtd/fidelity both provide free etf. much better than wellstrade 100 free : trade, and there's no maintenance requirement. : : It gives you 100 free trades per year (NTF is not counted in the 100 free : trade), and provides many good institutional class funds for a reasonable : minimum in retirement account. If your taxable and tax-deferred account : combined have 25K, both accounts get 100 free trades.
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s**********d 发帖数: 36899 | 25
UI能换钱吗?
【在 n******n 的大作中提到】 : wellstrade ui sucks. : amtd/fidelity both provide free etf. much better than wellstrade 100 free : trade, and there's no maintenance requirement. : : It gives you 100 free trades per year (NTF is not counted in the 100 free : trade), and provides many good institutional class funds for a reasonable : minimum in retirement account. If your taxable and tax-deferred account : combined have 25K, both accounts get 100 free trades.
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S**C 发帖数: 2964 | 26 If you trade often, then yes, since UI can impact on how fast your order can
be executed.
【在 s**********d 的大作中提到】 : : UI能换钱吗?
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n******n 发帖数: 12088 | 27 what is tf?
etf's have lower fee than mf's on average.
【在 S**C 的大作中提到】 : I do not trade much, not interested in ETFs. Wellstrade appeals to me : because of 1) low minimum for some institutional class funds such as IVWIX : in retirement account and 2) free trade for some good TFs.
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S**C 发帖数: 2964 | 28 Transaction-Fee Fund.
Fee is an important factor, but not the sole factor. I am not an indexer,
but I use semi-index and index funds with active funds. They both play a
role in my total portfolio.
【在 n******n 的大作中提到】 : what is tf? : etf's have lower fee than mf's on average.
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b*****g 发帖数: 2322 | 29 buy subprime mortgage loan |
v*****l 发帖数: 227 | |
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k**o 发帖数: 15334 | 31 fidelity just 25 ishare etf free, I'd take the 100 free trade.
【在 n******n 的大作中提到】 : wellstrade ui sucks. : amtd/fidelity both provide free etf. much better than wellstrade 100 free : trade, and there's no maintenance requirement. : : It gives you 100 free trades per year (NTF is not counted in the 100 free : trade), and provides many good institutional class funds for a reasonable : minimum in retirement account. If your taxable and tax-deferred account : combined have 25K, both accounts get 100 free trades.
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s********u 发帖数: 1054 | 32 谢谢大牛的信息, 我最近还在想用什么来替代我一部分 债券基金里面的钱, 你的建
议对我到真有用。
【在 f*****g 的大作中提到】 : High Yield Reward Checking Accounts : http://www.depositaccounts.com/checking/reward-checking-accounts.html : 放哪也不要放BOA这样的垃圾大银行,savings rate利息才0.x吧? : 懒人就找上面的某个小银行(都是FDIC insured,不用担心),唯一麻烦点的就是一个月 : 往往要刷10次小额debit交易,和一次direct deposit,但是没有任何风险。
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z*******8 发帖数: 382 | 33 我对这个感兴趣,看了看,好像只能有一万美元左右能有4%APR,再多的存款就是1%APR
了,我理解的对么?
【在 f*****g 的大作中提到】 : High Yield Reward Checking Accounts : http://www.depositaccounts.com/checking/reward-checking-accounts.html : 放哪也不要放BOA这样的垃圾大银行,savings rate利息才0.x吧? : 懒人就找上面的某个小银行(都是FDIC insured,不用担心),唯一麻烦点的就是一个月 : 往往要刷10次小额debit交易,和一次direct deposit,但是没有任何风险。
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