D*****5
发帖数: 148 | 1 一直想学习一下投资，但是一直没有开始。
一年前根据总的Asset，Star， Expense Ratio等随便选了几个，发现我选的 PIMCO
Real Return Fund 是所有中最差的，今年的Return是 -6.6%以上（负）。
现在想调整一下了。希望有经验的朋友指点一下，以下Funds选什么比较合适，我是属
于半年一年不会调整的那一种。
谢谢 ！
|
D*****t
发帖数: 558 | 2 when choosing a fund to invest, don't look at the stars, past performance,
or expense ratio. You should instead understand why you need it in your
overallportfolio. I have a feeling that you chose PIMVO REal Return solely
based on its performance during the past years. PRTNX is mostly invested in
TIPS with the purpose of inflation hedge. If you intended to use it as your
inflation hedge in the first place and allocated certain amount of money to
it, then you should keep it. It's a solid fund.
However, if you simply chose it because of its past performance ( and TIPS
had been doing quite well until this year), by all means sell it as you wish
. I would highly recommend one of those Vanguard target retirement funds (
Vanguard Target (your expected retiremnt year) fund). Simply one fund and
forget about it. |
y****e
发帖数: 23939 | 3 Vanguard Target 2050 Fund |
D*****5
发帖数: 148 | 4 谢谢答疑。
当时选它的时候就看了它过去的Performance和Star，当然，我还选了其他Funds，但这
个Fund占的比例大一点。。
我觉得目前可能就保留它，不转到其他Funds，因为其他Funds Performance很好，可能
价相对比较高。但我在新的Contribution中就不包括这个Fund了。
我还选了以下Funds （比例都不大），其中所有Vanguard Funds 是一年前才刚加入公
司的。
Dodge & Cox Income Fund
Vanguard Target Retirement Income Fund
T. Rowe Price Mid-Cap Value Fund （以前留下的金额，目前没有Contribution）
Vanguard Mid Cap Index Fund
American Funds EuroPacific Growth Fund
谢谢再指点一下。我不是那种会根据股市随时转换的人。 |
S**C
发帖数: 2964 | 5 For novice investors, Vanguard Target 20xx may be an excellent option, you
can do much worse than B&H this one.
【在 D*****5 的大作中提到】
: 一直想学习一下投资，但是一直没有开始。
: 一年前根据总的Asset，Star， Expense Ratio等随便选了几个，发现我选的 PIMCO
: Real Return Fund 是所有中最差的，今年的Return是 -6.6%以上（负）。
: 现在想调整一下了。希望有经验的朋友指点一下，以下Funds选什么比较合适，我是属
: 于半年一年不会调整的那一种。
: 谢谢 ！
:
|
D*****t
发帖数: 558 | 6 assuming you are still young, you certainly don't want to allocate more than
40% to bonds. (you have bond component in PRTNX, Dodge Cox income and Vang
target retirement income.) all your funds are solid. but there seem to be
overlaps. |
D*****5
发帖数: 148 | 7 谢谢SOFC和DasHoot两位。
than
Vang
be
【在 D*****t 的大作中提到】
: assuming you are still young, you certainly don't want to allocate more than
: 40% to bonds. (you have bond component in PRTNX, Dodge Cox income and Vang
: target retirement income.) all your funds are solid. but there seem to be
: overlaps.
|
