p******e
发帖数: 677 | 1 我以前以为长期持有就是字面上的意思，比如说退休账户里买个基金，10年都不用看的
。后来发现似乎不是这么简单？比如说光看绝对价值的增长，10年很有可能就是持平的
。那这个长期持有到底是个什么意思呢？退休账户的基金到底应该怎么操作，什么时候
买卖比较合适？ | D*****t
发帖数: 558 | 2 Just a few thoughts from a buy-and-hold believer:
1. Is 10 yr considered long term? Maybe to stock traders or people who want
to make a quick buck. To retirement investors, we are talking about 20-40
years. If you aim for 5-10 years, you should keep stock exposure minimum to
none. Just look at Japan or US 2000-2010.
2. Don't invest in just one fund/etf/index. Spread your money among
different asset classes and across all geological markets.
3. Total return is what you get eventually. A SP500 or Dow chart doesn't
give you the full picture. Dividend, dividend. dividend.
4. Dollar cost averaging and rebalancing may or may not add to your return,
but will certanly reduce overall risk.
5. The more decisions you make, the more likely you will make a mistake. if
you sell something, you will have to buy later. That's one decision too more
. Just a philosophical thought.
【在 p******e 的大作中提到】
: 我以前以为长期持有就是字面上的意思，比如说退休账户里买个基金，10年都不用看的
: 。后来发现似乎不是这么简单？比如说光看绝对价值的增长，10年很有可能就是持平的
: 。那这个长期持有到底是个什么意思呢？退休账户的基金到底应该怎么操作，什么时候
: 买卖比较合适？
| p******e
发帖数: 677 | 3 谢谢您这么详尽的回复，每一点都很make sense。尤其是以前我没有考虑过dividend的
问题。
那些基金好像都有3000,5000这样的最低要求，怎么dollar cost averaging呢？
want
to
,
【在 D*****t 的大作中提到】
: Just a few thoughts from a buy-and-hold believer:
: 1. Is 10 yr considered long term? Maybe to stock traders or people who want
: to make a quick buck. To retirement investors, we are talking about 20-40
: years. If you aim for 5-10 years, you should keep stock exposure minimum to
: none. Just look at Japan or US 2000-2010.
: 2. Don't invest in just one fund/etf/index. Spread your money among
: different asset classes and across all geological markets.
: 3. Total return is what you get eventually. A SP500 or Dow chart doesn't
: give you the full picture. Dividend, dividend. dividend.
: 4. Dollar cost averaging and rebalancing may or may not add to your return,
| D*****t
发帖数: 558 | 4 You can buy Vanguard's target retirement series and its Star fund with 1K.
Since they are all asset allocation funds, with one fund you get a well
diversified stock/bond portfolio.
【在 p******e 的大作中提到】
: 谢谢您这么详尽的回复，每一点都很make sense。尤其是以前我没有考虑过dividend的
: 问题。
: 那些基金好像都有3000,5000这样的最低要求，怎么dollar cost averaging呢？
:
: want
: to
: ,
|
|
