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】![](/moin_static193/solenoid/img/up.png) : 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?
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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】![](/moin_static193/solenoid/img/up.png) : get at least 6 month emergency fund before thinking about others. : where do you get 投资收益率 8%~10%?
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S**C 发帖数: 2964 | 4 Maddoff?
【在 s********z 的大作中提到】![](/moin_static193/solenoid/img/up.png) : get at least 6 month emergency fund before thinking about others. : where do you get 投资收益率 8%~10%?
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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】![](/moin_static193/solenoid/img/up.png) : Maddoff?
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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】![](/moin_static193/solenoid/img/up.png) : 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】![](/moin_static193/solenoid/img/up.png) : Not a guarantee, but isn't fair for a long term expectation?
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f****y 发帖数: 426 | 8 Good, thanks!
debt
【在 s********z 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 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.
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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】![](/moin_static193/solenoid/img/up.png) : 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.
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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】![](/moin_static193/solenoid/img/up.png) : Debt is only 4% (<6-7% long term), why should he get rid of debt first? : : debt
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