y********e
发帖数: 63 | 1 新手上路，打算先买小额度的index funds来逐渐学习摸索。
注册了wealthfront，在risk tolerance 6.5/10的情况下它给出了下面的组合，麻烦大
牛们评价一下。多谢了！
Asset Class Investment Target
US Stocks Vanguard VTI ETF 35%
Foreign Stocks Vanguard VEA ETF 18%
Emerging Markets Vanguard VWO ETF 15%
Dividend Stocks Vanguard VIG ETF 6%
Natural Resources iPath DJP ETF 5%
Municipal Bonds iShares MUB ETF 21%
PS: 用wealthfront起步的主要原因是它对 <2.5w 免费，后面熟悉了再试验其它公司。 |
r****m
发帖数: 1204 | 2 长期持有的话这个组合不错， well diversified (US vs overseas, Stocks vs bonds
, growth vs yields), all low cost, appropriate to the risk tolerance level,
but short term still could be subject to high fluctuation, just be patient. |
S**C
发帖数: 2964 | 3 I don't see much wrong with the portfolio, although I have no idea what risk
tolerance 6.5/10 means.
I am curious how many these 6.5/10 investors will hold onto the portfolio
when it lose 40-50% in less than a year, or it actually takes a 9/10
investor to do so. |
y********e
发帖数: 63 | 4 thanks a lot!
是打算长期持有的。暂时不打算短期投资或者股票，毕竟刚开始试验。
bonds
,
★ 发自iPhone App: ChineseWeb 8.6
【在 r****m 的大作中提到】
: 长期持有的话这个组合不错， well diversified (US vs overseas, Stocks vs bonds
: , growth vs yields), all low cost, appropriate to the risk tolerance level,
: but short term still could be subject to high fluctuation, just be patient.
|
y********e
发帖数: 63 | 5 ealthfront设计了一个问卷，答完后它对应到这个6.5的risk tolerance。其实问卷很
简单，有点装B但不实用的嫌疑。
40%？！index funds不是相对稳定吗？我不太了解，但是感觉20%以内的loss还能继续
持有，超过了应该就撤出来。
risk
★ 发自iPhone App: ChineseWeb 8.6
【在 S**C 的大作中提到】
: I don't see much wrong with the portfolio, although I have no idea what risk
: tolerance 6.5/10 means.
: I am curious how many these 6.5/10 investors will hold onto the portfolio
: when it lose 40-50% in less than a year, or it actually takes a 9/10
: investor to do so.
|
S**C
发帖数: 2964 | 6 For most people, what he think he will/should do under hypothetic pressure,
and what he will do under real pressure, could be totally different; and,
most likely, tend to be (far) less risk tolerant than what he thinks he is
when push comes to shove.
For people whose investment history include 2008, check what you did and
gauge your risk tolerance accordingly; for people invested after big
drawdown, it may not be a bad idea to tune down your risk tolerance because
chances are, you are not as risk tolerant as you think you are. |
y********e
发帖数: 63 | 7 多谢分享~
,
because
【在 S**C 的大作中提到】
: For most people, what he think he will/should do under hypothetic pressure,
: and what he will do under real pressure, could be totally different; and,
: most likely, tend to be (far) less risk tolerant than what he thinks he is
: when push comes to shove.
: For people whose investment history include 2008, check what you did and
: gauge your risk tolerance accordingly; for people invested after big
: drawdown, it may not be a bad idea to tune down your risk tolerance because
: chances are, you are not as risk tolerant as you think you are.
|
h***n
发帖数: 1600 | 8 有个大问题，你这些是在taxable account还是tax-advantage account，如果是前者
Dividend Stocks 不tax efficient，如果是后者买Municipal Bonds 很stupid.
一般情况,除非你是处于退休期老人，想拿dividend stocks 的dividends用于日常开销
，不用买dividend stocks. |
D******r
发帖数: 647 | 9 他这里的VIG其实是Dividend Growth，yield并不比SPY高很多。真是为了dividend就该
买VYM了。
【在 h***n 的大作中提到】
: 有个大问题，你这些是在taxable account还是tax-advantage account，如果是前者
: Dividend Stocks 不tax efficient，如果是后者买Municipal Bonds 很stupid.
: 一般情况,除非你是处于退休期老人，想拿dividend stocks 的dividends用于日常开销
: ，不用买dividend stocks.
|
S**C
发帖数: 2964 | 10 Most high quality companies pay dividend. By high quality I mean low debt,
stable earning, and high ROE. I think avoid these companies is not a good
idea in taxable account.
【在 h***n 的大作中提到】
: 有个大问题，你这些是在taxable account还是tax-advantage account，如果是前者
: Dividend Stocks 不tax efficient，如果是后者买Municipal Bonds 很stupid.
: 一般情况,除非你是处于退休期老人，想拿dividend stocks 的dividends用于日常开销
: ，不用买dividend stocks.
|
|
|
y********e
发帖数: 63 | 11 Taxable account。。
我其实没太follow你的意思，新手，还在摸索中
★ 发自iPhone App: ChineseWeb 8.6
【在 D******r 的大作中提到】
: 他这里的VIG其实是Dividend Growth，yield并不比SPY高很多。真是为了dividend就该
: 买VYM了。
|
m*****o
发帖数: 110 | 12 不需要这么麻烦。在Vanguard开户，买mutual fund即可。以后资金都在一个公司，方
便管理。
可参考 http://www.bogleheads.org/wiki/Three-fund_portfolio |
y********e
发帖数: 63 | 13 新手上路，打算先买小额度的index funds来逐渐学习摸索。
注册了wealthfront，在risk tolerance 6.5/10的情况下它给出了下面的组合，麻烦大
牛们评价一下。多谢了！
Asset Class Investment Target
US Stocks Vanguard VTI ETF 35%
Foreign Stocks Vanguard VEA ETF 18%
Emerging Markets Vanguard VWO ETF 15%
Dividend Stocks Vanguard VIG ETF 6%
Natural Resources iPath DJP ETF 5%
Municipal Bonds iShares MUB ETF 21%
PS: 用wealthfront起步的主要原因是它对 <2.5w 免费，后面熟悉了再试验其它公司。 |
r****m
发帖数: 1204 | 14 长期持有的话这个组合不错， well diversified (US vs overseas, Stocks vs bonds
, growth vs yields), all low cost, appropriate to the risk tolerance level,
but short term still could be subject to high fluctuation, just be patient. |
S**C
发帖数: 2964 | 15 I don't see much wrong with the portfolio, although I have no idea what risk
tolerance 6.5/10 means.
I am curious how many these 6.5/10 investors will hold onto the portfolio
when it lose 40-50% in less than a year, or it actually takes a 9/10
investor to do so. |
y********e
发帖数: 63 | 16 thanks a lot!
是打算长期持有的。暂时不打算短期投资或者股票，毕竟刚开始试验。
bonds
,
★ 发自iPhone App: ChineseWeb 8.6
【在 r****m 的大作中提到】
: 长期持有的话这个组合不错， well diversified (US vs overseas, Stocks vs bonds
: , growth vs yields), all low cost, appropriate to the risk tolerance level,
: but short term still could be subject to high fluctuation, just be patient.
|
y********e
发帖数: 63 | 17 ealthfront设计了一个问卷，答完后它对应到这个6.5的risk tolerance。其实问卷很
简单，有点装B但不实用的嫌疑。
40%？！index funds不是相对稳定吗？我不太了解，但是感觉20%以内的loss还能继续
持有，超过了应该就撤出来。
risk
★ 发自iPhone App: ChineseWeb 8.6
【在 S**C 的大作中提到】
: I don't see much wrong with the portfolio, although I have no idea what risk
: tolerance 6.5/10 means.
: I am curious how many these 6.5/10 investors will hold onto the portfolio
: when it lose 40-50% in less than a year, or it actually takes a 9/10
: investor to do so.
|
S**C
发帖数: 2964 | 18 For most people, what he think he will/should do under hypothetic pressure,
and what he will do under real pressure, could be totally different; and,
most likely, tend to be (far) less risk tolerant than what he thinks he is
when push comes to shove.
For people whose investment history include 2008, check what you did and
gauge your risk tolerance accordingly; for people invested after big
drawdown, it may not be a bad idea to tune down your risk tolerance because
chances are, you are not as risk tolerant as you think you are. |
y********e
发帖数: 63 | 19 多谢分享~
,
because
【在 S**C 的大作中提到】
: For most people, what he think he will/should do under hypothetic pressure,
: and what he will do under real pressure, could be totally different; and,
: most likely, tend to be (far) less risk tolerant than what he thinks he is
: when push comes to shove.
: For people whose investment history include 2008, check what you did and
: gauge your risk tolerance accordingly; for people invested after big
: drawdown, it may not be a bad idea to tune down your risk tolerance because
: chances are, you are not as risk tolerant as you think you are.
|
h***n
发帖数: 1600 | 20 有个大问题，你这些是在taxable account还是tax-advantage account，如果是前者
Dividend Stocks 不tax efficient，如果是后者买Municipal Bonds 很stupid.
一般情况,除非你是处于退休期老人，想拿dividend stocks 的dividends用于日常开销
，不用买dividend stocks. |
|
|
D******r
发帖数: 647 | 21 他这里的VIG其实是Dividend Growth，yield并不比SPY高很多。真是为了dividend就该
买VYM了。
【在 h***n 的大作中提到】
: 有个大问题，你这些是在taxable account还是tax-advantage account，如果是前者
: Dividend Stocks 不tax efficient，如果是后者买Municipal Bonds 很stupid.
: 一般情况,除非你是处于退休期老人，想拿dividend stocks 的dividends用于日常开销
: ，不用买dividend stocks.
|
S**C
发帖数: 2964 | 22 Most high quality companies pay dividend. By high quality I mean low debt,
stable earning, and high ROE. I think avoid these companies is not a good
idea in taxable account.
【在 h***n 的大作中提到】
: 有个大问题，你这些是在taxable account还是tax-advantage account，如果是前者
: Dividend Stocks 不tax efficient，如果是后者买Municipal Bonds 很stupid.
: 一般情况,除非你是处于退休期老人，想拿dividend stocks 的dividends用于日常开销
: ，不用买dividend stocks.
|
y********e
发帖数: 63 | 23 Taxable account。。
我其实没太follow你的意思，新手，还在摸索中
★ 发自iPhone App: ChineseWeb 8.6
【在 D******r 的大作中提到】
: 他这里的VIG其实是Dividend Growth，yield并不比SPY高很多。真是为了dividend就该
: 买VYM了。
|
m*****o
发帖数: 110 | 24 不需要这么麻烦。在Vanguard开户，买mutual fund即可。以后资金都在一个公司，方
便管理。
可参考 http://www.bogleheads.org/wiki/Three-fund_portfolio |
s*y
发帖数: 472 | 25 Wealthfront可以帮你做rebalancing 和 tax loss harvesting， 而且不收手续费。比
你自己投资省心很多，而且还省钱。
不收手续费的一个很大好处是你可以定期存钱进去投资，降低你的dollar cost
average.
这些你自己做都是不太实际的。
【在 m*****o 的大作中提到】
: 不需要这么麻烦。在Vanguard开户，买mutual fund即可。以后资金都在一个公司，方
: 便管理。
: 可参考 http://www.bogleheads.org/wiki/Three-fund_portfolio
|
r****m
发帖数: 1204 | 26 这种low or no-cost Robo-advisor 公司正像雨后春笋般地冒出来.
大公司也开始offer了， Vanguard, Charles Schwab already offer it, Fidelity
offers a white-label version of Betterment, TD Ameritrade will offer it soon.
It's great for consumers! |
