b****w
发帖数: 692 | 1 YY贴，但觉得是个很好的though process。想到的有以下几个：
1.买个投资房。
2.找个Asset Manager托管起来。
3.按照一定的asset allocation比例和一个time frame（半年至一年）逐步投入
passive fund。
4.认真研习，自己选若干支基本面好的股票，将股票部分集中于这些。
假设是投资目标是纯长期的（>20年），没有短期需求。税率按30%算。假设知识和能力
不是问题，但时间是不得不考虑的成本，而且可能会由于缺少时间拖慢进度。1、4是比
较费时费力的选择，也许1的风险会低些，4的upside会高些，2、3省力，但2贵而且我
不太信任，3觉得现在市场高得有点眼晕。
大家会怎么做，还有什么其他的点子？ |
F***A
发帖数: 69 | |
D********2
发帖数: 2153 | 3 要看这1M的资金占你资产比例了,80%和10%投资方式会完全不一样了
【在 b****w 的大作中提到】
: YY贴，但觉得是个很好的though process。想到的有以下几个：
: 1.买个投资房。
: 2.找个Asset Manager托管起来。
: 3.按照一定的asset allocation比例和一个time frame（半年至一年）逐步投入
: passive fund。
: 4.认真研习，自己选若干支基本面好的股票，将股票部分集中于这些。
: 假设是投资目标是纯长期的（>20年），没有短期需求。税率按30%算。假设知识和能力
: 不是问题，但时间是不得不考虑的成本，而且可能会由于缺少时间拖慢进度。1、4是比
: 较费时费力的选择，也许1的风险会低些，4的upside会高些，2、3省力，但2贵而且我
: 不太信任，3觉得现在市场高得有点眼晕。
|
b****w
发帖数: 692 | 4 这倒是。那就假设５０％吧，假设这是全部金融资产，不考虑自住房房贷问题。
【在 D********2 的大作中提到】
: 要看这1M的资金占你资产比例了,80%和10%投资方式会完全不一样了
|
u***e
发帖数: 611 | 5 如果是20年以后才需要这笔钱就买index fund , bond至少要20%吧。我也会考虑房产，
如果你愿意操心的话，学区一定要好。 |
t***u
发帖数: 2057 | 6 方向太多，背景信息太少。你自己的能力，对风险的承受力，期许的回报，对流动性的
要求，自己能投入的时间和精力，是否考虑海外投资，等等都是未知。
这些钱不少了，找几个理财的谈谈好了，慢慢会有感觉的。 |
p****4
发帖数: 517 | 7 For little to no involvement - throw your money in a tax exempt fund
For some involvement - allocate money following Target retirement 2035 fund
(adjust every 2 to 5 years)
For more involvement - allocate and move your money among growth, high yield
and tax exempt funds based on market trend and economy. (adjust every three
to six months)
Think of something else if you really want to beat the market and consider
yourself a high risk taker.
Good luck. |
M********r
发帖数: 278 | 8 what do you mean by tax exempt fund? Is it muni? if so, I don't see why muni
is a worry free investment, or more so than target retirement funds.
fund
yield
three
【在 p****4 的大作中提到】
: For little to no involvement - throw your money in a tax exempt fund
: For some involvement - allocate money following Target retirement 2035 fund
: (adjust every 2 to 5 years)
: For more involvement - allocate and move your money among growth, high yield
: and tax exempt funds based on market trend and economy. (adjust every three
: to six months)
: Think of something else if you really want to beat the market and consider
: yourself a high risk taker.
: Good luck.
|
|
p****4
发帖数: 517 | 9 Ms. Harker,
There is no such investment that is worry-free or risk-free. Someone could
have bought 1M dollar CD and later realized the bank happened to be WaMu.
Someone might hide 1M dollar cash under the mattress in their million-dollar
house on the tip of the hill at San Marcos and get evacuated by uniform
sheriff and fire fighters when the flame was in sight during the previous
week. However, we can not base our investment strategy on the low
probability events, right? Neither shall we predict the return of a certain
investment based on short term performance.
Based on lz's description, they have good W2 income which put them at higher
tax bracket (30%+). Half of their house-hold value is in cash (total 1M
dollar), which they do not need in the next 20+ years (I doubt it, unless no
children going to college, alike). The tax exempt funds, which invest
mostly in national or state municipal bonds, are having lower risk
potentials than target retirement 2035, which has 85%+ in domestic and
international stocks. For long term, the tax exempt funds are likely to
produce 5 - 7 % yield annually. I give 2035 fund additional 2% (pre-tax)
annual return (lz may have to pay tax on dividend distribution annually). I
figured if lz does not want to spend a lot of time on investment and all her
assumptions are true, tax exempt funds are one of the good options, to say
the least.
Just my two cents.
muni
【在 M********r 的大作中提到】
: what do you mean by tax exempt fund? Is it muni? if so, I don't see why muni
: is a worry free investment, or more so than target retirement funds.
:
: fund
: yield
: three
|
M********r
发帖数: 278 | 10 I see. If I had 1m outside tax advantage accounts, I would certaily consider
muni too. But I probably won't leave all eggs in the same basket such as
munis, especially high yield munis. |
p****4
发帖数: 517 | 11 Agreed. I would not invest specifically in high yield municipal bonds either
. Those have.. like 10% default rate....
consider
【在 M********r 的大作中提到】
: I see. If I had 1m outside tax advantage accounts, I would certaily consider
: muni too. But I probably won't leave all eggs in the same basket such as
: munis, especially high yield munis.
|
b******y
发帖数: 1684 | 12 贷款买个1.5-2.5m的商业地产
【在 b****w 的大作中提到】
: YY贴，但觉得是个很好的though process。想到的有以下几个：
: 1.买个投资房。
: 2.找个Asset Manager托管起来。
: 3.按照一定的asset allocation比例和一个time frame（半年至一年）逐步投入
: passive fund。
: 4.认真研习，自己选若干支基本面好的股票，将股票部分集中于这些。
: 假设是投资目标是纯长期的（>20年），没有短期需求。税率按30%算。假设知识和能力
: 不是问题，但时间是不得不考虑的成本，而且可能会由于缺少时间拖慢进度。1、4是比
: 较费时费力的选择，也许1的风险会低些，4的upside会高些，2、3省力，但2贵而且我
: 不太信任，3觉得现在市场高得有点眼晕。
|
