f****b
发帖数: 486 | 1 除了公司股票外，有以下选项，大家给参谋参谋吧，目标超过或持平S&P 500，谢了
Artisan Mid Cap Account
Fidelity Contrafund - Class K
Fidelity Growth Company Fund - Class K
Fidelity Institutional Money Market - Money Market Portfolio - Institutional
Class
LifePath? Index 2020 Fund Class J
LifePath? Index 2030 Fund Class J
LifePath? Index 2040 Fund Class J
LifePath? Index 2050 Fund Class J
LifePath? Index Retirement Fund Class J
Oakmark Equity and Income Account
PIMCO Total Return Account
Russell International Growth Account
Russell International Value Account
Russell Small/Mid Cap Value Account
Vanguard Growth Index Fund Institutional Shares
Vanguard Institutional Index Fund Institutional Plus Shares
Vanguard Short-Term Bond Index Fund Institutional Plus Shares
Vanguard Small-Cap Growth Index Fund Institutional Shares
Vanguard Value Index Fund Institutional Shares
PIMCO Total Return Account
Russell International Growth Account
Russell International Value Account
Russell Small/Mid Cap Value Account
Vanguard Growth Index Fund Institutional Shares
Vanguard Institutional Index Fund Institutional Plus Shares
Vanguard Short-Term Bond Index Fund Institutional Plus Shares
Vanguard Small-Cap Growth Index Fund Institutional Shares
Vanguard Value Index Fund Institutional Shares |
t*m
发帖数: 4414 | 2 把expense ratio列出来，要别没法挑。 |
f****b
发帖数: 486 | 3 OK, 把expense ratio加进去重新列一下
Artisan Mid Cap Account 0.54%
Fidelity Contrafund - Class K 0.79%
Fidelity Growth Company Fund - Class K 0.72%
Fidelity Institutional Money Market - Money Market Portfolio - Institutional
Class 0.18%
LifePath? Index 2020 Fund Class J 0.17%
LifePath? Index 2030 Fund Class J 0.17%
LifePath? Index 2040 Fund Class J 0.17%
LifePath? Index 2050 Fund Class J 0.17%
LifePath? Index Retirement Fund Class J 0.17%
Oakmark Equity and Income Account 0.61%
PIMCO Total Return Account 0.27%
Russell International Growth Account 0.58%
Russell International Value Account 0.61%
Russell Small/Mid Cap Value Account 0.68%
Vanguard Growth Index Fund Institutional Shares 0.08%
Vanguard Institutional Index Fund Institutional Plus Shares 0.02%
Vanguard Short-Term Bond Index Fund Institutional Plus Shares 0.05%
Vanguard Small-Cap Growth Index Fund Institutional Shares 0.08%
Vanguard Value Index Fund Institutional Shares 0.08%
【在 t*m 的大作中提到】
: 把expense ratio列出来，要别没法挑。
|
s********y
发帖数: 3811 | 4 vanguard 优势明显呵.
Institutional
【在 f****b 的大作中提到】
: OK, 把expense ratio加进去重新列一下
: Artisan Mid Cap Account 0.54%
: Fidelity Contrafund - Class K 0.79%
: Fidelity Growth Company Fund - Class K 0.72%
: Fidelity Institutional Money Market - Money Market Portfolio - Institutional
: Class 0.18%
: LifePath? Index 2020 Fund Class J 0.17%
: LifePath? Index 2030 Fund Class J 0.17%
: LifePath? Index 2040 Fund Class J 0.17%
: LifePath? Index 2050 Fund Class J 0.17%
|
t*m
发帖数: 4414 | 5 投资最重要的是allocation.
我的建议是。
1. 55％ US large cap (SP500).
2. 15% US small cap
3. 15% International stock
4. 15% whole bonds.
第二重要的是，尽量选收费低的index funds
您的计划里面，1. large cap, 2. small cap 都还行。
4. 差强人意，可以买 Pimco total return
3. 没有好的international funds 可选。
解决办法之一是去vanguard开一个IRA.在里面买VGTSX，钱攒多了就换成他们的admiral
share class. 在IRA里面还可以买点 BND. 如果喜欢 emerging market, 买点儿VWO.
总之。退休帐户一年可以放 22,000 USD （401K ＋ IRA ). 四个 asset class 的比
率大致保持 55:15:15:15. |
