d****s
发帖数: 174 | 1 抱歉不是第一次问了，因为还是不太懂。
现在有个fund涨了大概50%左右，想卖掉买点其他的，就算卖了什么不买平均到此后5年
是不是也有年回报7-10%。否则过过段时间跌下来不是白涨了？
求解,多谢！ | d****s
发帖数: 174 | 2 另外我现在收入很低，不会因为涨的钱影响税率。
也有可能2-3年内用钱，打算把stock fund为主改为bond fund 为主。不知是否可行
【在 d****s 的大作中提到】
: 抱歉不是第一次问了，因为还是不太懂。
: 现在有个fund涨了大概50%左右，想卖掉买点其他的，就算卖了什么不买平均到此后5年
: 是不是也有年回报7-10%。否则过过段时间跌下来不是白涨了？
: 求解,多谢！
| S**C
发帖数: 2964 | 3 consider your portfolio as a whole, if one fund significantly outperformance
makes your portfolio deviate your AA range, you may want to bring it back
by selling the outperformer and buy underperformer, but do not do it too
frequently. Or you can buy underperformer.
I personally have another rule, no single actively managed fund can exceed
10% of our total asset, and combined actively managed funds from same fund
company should not be more than 20%.
【在 d****s 的大作中提到】
: 抱歉不是第一次问了，因为还是不太懂。
: 现在有个fund涨了大概50%左右，想卖掉买点其他的，就算卖了什么不买平均到此后5年
: 是不是也有年回报7-10%。否则过过段时间跌下来不是白涨了？
: 求解,多谢！
| d****s
发帖数: 174 | 4 Thank you for the advice.I may put myself on a risk of no strict portforlio
in the taxable account, which I don't know exactly when I will take the
money out.
For the personal rule you mentioned, do you apply it to both tax-deferred
and taxable account? Is the purpose of these limits to reduce the risk?
Thanks!
outperformance
【在 S**C 的大作中提到】
: consider your portfolio as a whole, if one fund significantly outperformance
: makes your portfolio deviate your AA range, you may want to bring it back
: by selling the outperformer and buy underperformer, but do not do it too
: frequently. Or you can buy underperformer.
: I personally have another rule, no single actively managed fund can exceed
: 10% of our total asset, and combined actively managed funds from same fund
: company should not be more than 20%.
| S**C
发帖数: 2964 | 5 You should consider your taxable, 401(k), 529, IRA etc. as a whole. You may
decide which account to hold what, given tax, risk and time horizon
consideration.
FWIW, our taxable are mostly individual stocks, with some ETFs and MFs. I am
in the process to reallocate my actively managed funds to tax advantaged
accounts.
portforlio
【在 d****s 的大作中提到】
: Thank you for the advice.I may put myself on a risk of no strict portforlio
: in the taxable account, which I don't know exactly when I will take the
: money out.
: For the personal rule you mentioned, do you apply it to both tax-deferred
: and taxable account? Is the purpose of these limits to reduce the risk?
: Thanks!
:
: outperformance
| d****s
发帖数: 174 | 6 Good point, I'll recheck everything. Thanks!
may
am
【在 S**C 的大作中提到】
: You should consider your taxable, 401(k), 529, IRA etc. as a whole. You may
: decide which account to hold what, given tax, risk and time horizon
: consideration.
: FWIW, our taxable are mostly individual stocks, with some ETFs and MFs. I am
: in the process to reallocate my actively managed funds to tax advantaged
: accounts.
:
: portforlio
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