l**d
发帖数: 746 | 1 手上大概10万的cash，不想放银行。也考虑买房子，所以随时可能取出来。请问有什么
比较安全的投资，而且可以随时取出来啊？帐号在fidelity。有什么mutual fund或者
bond可以推荐么？ |
h****g
发帖数: 259 | |
l**d
发帖数: 746 | 3 主要是我可能随时要用啊，今年打算跳槽，所以可能视工作地点决定要不要再买一套房
子。现在放saving account实在太不甘心了。
【在 h****g 的大作中提到】
: 要是我就存CD了
: 五年期3%
|
y****i
发帖数: 778 | 4 For short term like <2 years, BSJF GUGGENHEIM BULLETSHARES 2015 HIGH YIELD
CORPORATE BOND.
【在 l**d 的大作中提到】
: 手上大概10万的cash，不想放银行。也考虑买房子，所以随时可能取出来。请问有什么
: 比较安全的投资，而且可以随时取出来啊？帐号在fidelity。有什么mutual fund或者
: bond可以推荐么？
|
D******e
发帖数: 1222 | 5 How is this compared with HYG?
【在 y****i 的大作中提到】
: For short term like <2 years, BSJF GUGGENHEIM BULLETSHARES 2015 HIGH YIELD
: CORPORATE BOND.
|
y****i
发帖数: 778 | 6 Portfolio Construction is different.
BSJF BulletShares High Yield Corporate Bond 2015 Index is designed to
represent the performance of a held-to-maturity portfolio of U.S.-dollar-
denominated high-yield corporate bonds with effective maturities in 2015.
The fund will terminate on Dec. 31, 2015, and will make a cash distribution
to current shareholders of its net assets. As bonds mature in the final six
months of operation, the fund's portfolio will transition maturing
securities to cash.
HYG iShares iBoxx $ High Yield Corporate Bond owns corporate bonds with a
maturity between three and 15 years. When the maturity of a bond in the fund
falls below three years, it is sold and the proceeds are reinvested in
another bond within the target range. This constant selling of bonds creates
additional expenses that reduce overall returns. The total cost of this
selling is very hard to calculate, but estimates range between 0.20% and 0.
60% per year depending on the liquidity of the underlying bonds. Target-
maturity bond ETFs will not have this cost drag because they hold their
bonds to maturity.
http://beta4.ictgllc.com/ridgewayfixedincome/Tools/Morningstar_
【在 D******e 的大作中提到】
: How is this compared with HYG?
|
D*****t
发帖数: 558 | 7 If you need access to your money at any time as you said, you need absolute
liquidity and no risk at all. That means cash in money market or saving
account. Even CD won't serve your purpose. To recommend high yield bond is
absurd, even if the fund is short term and will switch holding to cash 6
months before ending operation. With this kind of product, there is no
guarantee that every penny of your principal is safe.
【在 l**d 的大作中提到】
: 手上大概10万的cash，不想放银行。也考虑买房子，所以随时可能取出来。请问有什么
: 比较安全的投资，而且可以随时取出来啊？帐号在fidelity。有什么mutual fund或者
: bond可以推荐么？
|
r****m
发帖数: 1204 | 8 Agreed, money market is the best fit for LZ's described situation.
If you don't need the liquidity before end of 2015, but might need shortly
after 2015, BSJF GUGGENHEIM BULLETSHARES 2015 HIGH YIELD
CORPORATE BOND is a great choice. |
S**C
发帖数: 2964 | 9 The first Treasury Floating Rate Notes will be held on the last day of this
month, it will be interesting to watch.
【在 l**d 的大作中提到】
: 手上大概10万的cash，不想放银行。也考虑买房子，所以随时可能取出来。请问有什么
: 比较安全的投资，而且可以随时取出来啊？帐号在fidelity。有什么mutual fund或者
: bond可以推荐么？
|
s********5
发帖数: 317 | 10 支付宝的余额宝呀，人民币的，目前都是6～7%利率吧，随取随存，和活期差不多。唯
一的问题是，一天好像只能提现5万人民币
this
【在 S**C 的大作中提到】
: The first Treasury Floating Rate Notes will be held on the last day of this
: month, it will be interesting to watch.
|
|
|
s*********a
发帖数: 370 | 11 能跟美国的银行账户互相转账？不行的话就还是很麻烦
【在 s********5 的大作中提到】
: 支付宝的余额宝呀，人民币的，目前都是6～7%利率吧，随取随存，和活期差不多。唯
: 一的问题是，一天好像只能提现5万人民币
:
: this
|
S**C
发帖数: 2964 | 12 What I do not understand is BSJF turnover ratio is 61% according to
morningstar. I would imagine a held-to-maturity portfolio turnover ratio be
very low.
Another issue I have is if something bad hit in the middle of 2015, BSJF
still need to sell its portfolio MtM, rather than holding onto the defaulted
bonds waiting for recovery.
distribution
six
fund
【在 y****i 的大作中提到】
: Portfolio Construction is different.
: BSJF BulletShares High Yield Corporate Bond 2015 Index is designed to
: represent the performance of a held-to-maturity portfolio of U.S.-dollar-
: denominated high-yield corporate bonds with effective maturities in 2015.
: The fund will terminate on Dec. 31, 2015, and will make a cash distribution
: to current shareholders of its net assets. As bonds mature in the final six
: months of operation, the fund's portfolio will transition maturing
: securities to cash.
: HYG iShares iBoxx $ High Yield Corporate Bond owns corporate bonds with a
: maturity between three and 15 years. When the maturity of a bond in the fund
|
l**d
发帖数: 746 | 13 手上大概10万的cash，不想放银行。也考虑买房子，所以随时可能取出来。请问有什么
比较安全的投资，而且可以随时取出来啊？帐号在fidelity。有什么mutual fund或者
bond可以推荐么？ |
h****g
发帖数: 259 | |
l**d
发帖数: 746 | 15 主要是我可能随时要用啊，今年打算跳槽，所以可能视工作地点决定要不要再买一套房
子。现在放saving account实在太不甘心了。
【在 h****g 的大作中提到】
: 要是我就存CD了
: 五年期3%
|
y****i
发帖数: 778 | 16 For short term like <2 years, BSJF GUGGENHEIM BULLETSHARES 2015 HIGH YIELD
CORPORATE BOND.
【在 l**d 的大作中提到】
: 手上大概10万的cash，不想放银行。也考虑买房子，所以随时可能取出来。请问有什么
: 比较安全的投资，而且可以随时取出来啊？帐号在fidelity。有什么mutual fund或者
: bond可以推荐么？
|
D******e
发帖数: 1222 | 17 How is this compared with HYG?
【在 y****i 的大作中提到】
: For short term like <2 years, BSJF GUGGENHEIM BULLETSHARES 2015 HIGH YIELD
: CORPORATE BOND.
|
y****i
发帖数: 778 | 18 Portfolio Construction is different.
BSJF BulletShares High Yield Corporate Bond 2015 Index is designed to
represent the performance of a held-to-maturity portfolio of U.S.-dollar-
denominated high-yield corporate bonds with effective maturities in 2015.
The fund will terminate on Dec. 31, 2015, and will make a cash distribution
to current shareholders of its net assets. As bonds mature in the final six
months of operation, the fund's portfolio will transition maturing
securities to cash.
HYG iShares iBoxx $ High Yield Corporate Bond owns corporate bonds with a
maturity between three and 15 years. When the maturity of a bond in the fund
falls below three years, it is sold and the proceeds are reinvested in
another bond within the target range. This constant selling of bonds creates
additional expenses that reduce overall returns. The total cost of this
selling is very hard to calculate, but estimates range between 0.20% and 0.
60% per year depending on the liquidity of the underlying bonds. Target-
maturity bond ETFs will not have this cost drag because they hold their
bonds to maturity.
http://beta4.ictgllc.com/ridgewayfixedincome/Tools/Morningstar_
【在 D******e 的大作中提到】
: How is this compared with HYG?
|
D*****t
发帖数: 558 | 19 If you need access to your money at any time as you said, you need absolute
liquidity and no risk at all. That means cash in money market or saving
account. Even CD won't serve your purpose. To recommend high yield bond is
absurd, even if the fund is short term and will switch holding to cash 6
months before ending operation. With this kind of product, there is no
guarantee that every penny of your principal is safe.
【在 l**d 的大作中提到】
: 手上大概10万的cash，不想放银行。也考虑买房子，所以随时可能取出来。请问有什么
: 比较安全的投资，而且可以随时取出来啊？帐号在fidelity。有什么mutual fund或者
: bond可以推荐么？
|
r****m
发帖数: 1204 | 20 Agreed, money market is the best fit for LZ's described situation.
If you don't need the liquidity before end of 2015, but might need shortly
after 2015, BSJF GUGGENHEIM BULLETSHARES 2015 HIGH YIELD
CORPORATE BOND is a great choice. |
|
|
S**C
发帖数: 2964 | 21 The first Treasury Floating Rate Notes will be held on the last day of this
month, it will be interesting to watch.
【在 l**d 的大作中提到】
: 手上大概10万的cash，不想放银行。也考虑买房子，所以随时可能取出来。请问有什么
: 比较安全的投资，而且可以随时取出来啊？帐号在fidelity。有什么mutual fund或者
: bond可以推荐么？
|
s********5
发帖数: 317 | 22 支付宝的余额宝呀，人民币的，目前都是6～7%利率吧，随取随存，和活期差不多。唯
一的问题是，一天好像只能提现5万人民币
this
【在 S**C 的大作中提到】
: The first Treasury Floating Rate Notes will be held on the last day of this
: month, it will be interesting to watch.
|
s*********a
发帖数: 370 | 23 能跟美国的银行账户互相转账？不行的话就还是很麻烦
【在 s********5 的大作中提到】
: 支付宝的余额宝呀，人民币的，目前都是6～7%利率吧，随取随存，和活期差不多。唯
: 一的问题是，一天好像只能提现5万人民币
:
: this
|
S**C
发帖数: 2964 | 24 What I do not understand is BSJF turnover ratio is 61% according to
morningstar. I would imagine a held-to-maturity portfolio turnover ratio be
very low.
Another issue I have is if something bad hit in the middle of 2015, BSJF
still need to sell its portfolio MtM, rather than holding onto the defaulted
bonds waiting for recovery.
distribution
six
fund
【在 y****i 的大作中提到】
: Portfolio Construction is different.
: BSJF BulletShares High Yield Corporate Bond 2015 Index is designed to
: represent the performance of a held-to-maturity portfolio of U.S.-dollar-
: denominated high-yield corporate bonds with effective maturities in 2015.
: The fund will terminate on Dec. 31, 2015, and will make a cash distribution
: to current shareholders of its net assets. As bonds mature in the final six
: months of operation, the fund's portfolio will transition maturing
: securities to cash.
: HYG iShares iBoxx $ High Yield Corporate Bond owns corporate bonds with a
: maturity between three and 15 years. When the maturity of a bond in the fund
|
d******n
发帖数: 1768 | 25 哪个银行有5年3%的
【在 h****g 的大作中提到】
: 要是我就存CD了
: 五年期3%
|
s**********d
发帖数: 36899 | 26 不是限制最多2000块了吗？
★ 发自iPhone App: ChineseWeb 8.7
【在 s********5 的大作中提到】
: 支付宝的余额宝呀，人民币的，目前都是6～7%利率吧，随取随存，和活期差不多。唯
: 一的问题是，一天好像只能提现5万人民币
:
: this
|
