s********d
发帖数: 29 | 1 一家三口在中西部，一个工作，一个还在念phd，一个两岁的小孩上daycare。买房一年
有余，税前年收入大约120k多些，各种开销之后（包括max 401k公司match的部分），
感觉一年还能存下15k左右。所以想知道应该怎么投资者剩下的钱比较合理。我想我们
的情况应该对很多小家庭而言比较典型。
在版上读了些帖子之后，感觉一个选择是roth IRA。对于roth IRA，如果59岁前取出
earning的话，需要交10%的tax penalty,是指正常的tax之后另交10%吗？如果是的话，
是tax的10%还是earning的10%?另外，取钱的时候怎么确定你取的是principal还是
earning呢？如果放roth IRA,我们想买一些比较保守的index之类的，有什么可以推荐
吗？
除了roth IRA，如果想买ETF或者mutual fund，一般通过哪些broker买？ETF和mutual
fund两者主要区别在哪里？
多谢指教！ | r****m
发帖数: 1204 | 2 You can go to Vanguard and buy a few index ETFs (in order to diversify),
rebalance once a year, you will be very happy at your retirement time,
because you will be getting market return, year after year (remember, most
mutual funds can't even beat the market)!
10% penalty is not on tax, but given your situation, don't worry about it,
you won't need it before 59.5. Even if you need money, you can just take out
principal without any penalty. | s********d
发帖数: 29 | 3 Thanks much for your reply!
One more question: why ETF over mutual fund? or it doesn't make much
difference either way?
Thanks again.
out
【在 r****m 的大作中提到】
: You can go to Vanguard and buy a few index ETFs (in order to diversify),
: rebalance once a year, you will be very happy at your retirement time,
: because you will be getting market return, year after year (remember, most
: mutual funds can't even beat the market)!
: 10% penalty is not on tax, but given your situation, don't worry about it,
: you won't need it before 59.5. Even if you need money, you can just take out
: principal without any penalty.
| s********y
发帖数: 3811 | 4 google.
【在 s********d 的大作中提到】
: Thanks much for your reply!
: One more question: why ETF over mutual fund? or it doesn't make much
: difference either way?
: Thanks again.
:
: out
| r****m
发帖数: 1204 | 5 ETF tends to have lower expense ratio over mutual funds.
It's a small number (such as 0.5% per year), most people don't think it's a
big deal, but at the time when you retire, you will notice the big
difference.
So start on the right path from the beginning. | b*********e
发帖数: 2642 | 6 如果都是index，expense ratio没那么高吧
既然是想积到退休，我估计你应该会不停添加投资，那恐怕MF比ETF更好。ETF每次
买卖都要手续费，积少成多就很可观。
a
【在 r****m 的大作中提到】
: ETF tends to have lower expense ratio over mutual funds.
: It's a small number (such as 0.5% per year), most people don't think it's a
: big deal, but at the time when you retire, you will notice the big
: difference.
: So start on the right path from the beginning.
|
|
