f****y
发帖数: 426 | 1 投资收益率 8%~10%
负债利息 4% 左右
emergency fund 目前只有一个月的
大家认为什么比例比较合适？我目前是 0/0/100，太不均衡了……
另外，如果 emergency fund 攒齐了 Tier 1 的三个月，后边是不是可以把比例调小一
点？ |
s********z
发帖数: 5411 | 2 get at least 6 month emergency fund before thinking about others.
where do you get 投资收益率 8%~10%?
【在 f****y 的大作中提到】
: 投资收益率 8%~10%
: 负债利息 4% 左右
: emergency fund 目前只有一个月的
: 大家认为什么比例比较合适？我目前是 0/0/100，太不均衡了……
: 另外，如果 emergency fund 攒齐了 Tier 1 的三个月，后边是不是可以把比例调小一
: 点？
|
f****y
发帖数: 426 | 3
sounds reasonable. what about others?
Lots of close-ended funds, lots of blue chip companies if you think in terms
of ROE & EPS growth, Prosper etc...
【在 s********z 的大作中提到】
: get at least 6 month emergency fund before thinking about others.
: where do you get 投资收益率 8%~10%?
|
S**C
发帖数: 2964 | 4 Maddoff?
【在 s********z 的大作中提到】
: get at least 6 month emergency fund before thinking about others.
: where do you get 投资收益率 8%~10%?
|
s********z
发帖数: 5411 | 5 yes, I can't think of anybody else that can guarantee 8-10%.
【在 S**C 的大作中提到】
: Maddoff?
|
f****y
发帖数: 426 | 6 Not a guarantee, but isn't fair for a long term expectation?
【在 s********z 的大作中提到】
: yes, I can't think of anybody else that can guarantee 8-10%.
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s********z
发帖数: 5411 | 7 I would expect probably 6-7%, but again, nobody has a crystal ball.
I think for you, emergency-->max out tax sheltered account-->get rid of debt
-->taxable.
probably 70/30 asset allocation.
【在 f****y 的大作中提到】
: Not a guarantee, but isn't fair for a long term expectation?
|
f****y
发帖数: 426 | 8 Good, thanks!
debt
【在 s********z 的大作中提到】
: I would expect probably 6-7%, but again, nobody has a crystal ball.
: I think for you, emergency-->max out tax sheltered account-->get rid of debt
: -->taxable.
: probably 70/30 asset allocation.
|
B********e
发帖数: 1199 | 9 Debt is only 4% (<6-7% long term), why should he get rid of debt first?
debt
【在 s********z 的大作中提到】
: I would expect probably 6-7%, but again, nobody has a crystal ball.
: I think for you, emergency-->max out tax sheltered account-->get rid of debt
: -->taxable.
: probably 70/30 asset allocation.
|
s********z
发帖数: 5411 | 10 because 4% is guaranteed, 6-7% is a guess, it could be -50%.
Plus, by paying the debt all off, the relief and peace of mind are priceless
for many people.
【在 B********e 的大作中提到】
: Debt is only 4% (<6-7% long term), why should he get rid of debt first?
:
: debt
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