z****e
发帖数: 2361 | 1 是不是apply一个，然后把401K的钱转过去，以后的401K的钱也contribute到这个帐号
，就可以自己买卖股票/ETF了？是不是比401K的基金更灵活？ |
M********r
发帖数: 278 | 2 这种Self-Directed Brokerage Account是把双刃剑。对绝大部分人来说，用个股作为
自己退休储蓄，不是好主意。IMHO, low cost mutual fund 还是最好的选择， 甚至好
过etf. |
z****e
发帖数: 2361 | 3 IMHO是什么？公司的基金里面没有太多low cost的好基金。能推荐一些吗？
【在 M********r 的大作中提到】
: 这种Self-Directed Brokerage Account是把双刃剑。对绝大部分人来说，用个股作为
: 自己退休储蓄，不是好主意。IMHO, low cost mutual fund 还是最好的选择， 甚至好
: 过etf.
|
M********r
发帖数: 278 | |
z****l
发帖数: 5282 | 5 In my humble opinion,
作为
至好
【在 z****e 的大作中提到】
: IMHO是什么？公司的基金里面没有太多low cost的好基金。能推荐一些吗？
|
z****e
发帖数: 2361 | |
h****g
发帖数: 259 | 7 What funds are in your 401k plan? List the fund names, ticker and expense
ratio so we can help you come up with a plan
【在 z****e 的大作中提到】
: 不巧，不在
|
z****e
发帖数: 2361 | 8 Wells Fargo Stable Value Fund Q CUSIP, ER 0.47%
Vanguard Prime Money Market Instl VMRXX, ER 0.10%
Vanguard Total Bond Market Index Fund Institutional Plus Shares VBMPX, ER 0.
05%
Loomis Sayles Core Plus Bond Fund Class Y NERYX, ER 0.54%
Neuberger Berman High Income Bond Fund Class R6 NRHIX, ER 0.62%
Vanguard Windsor™ II Fund Admiral™ Shares VWNAX, ER 0.28%
Vanguard Employee Benefit Index Fund (ER not sure, should be below 0.1%)
Fidelity® Contrafund® Fund FCNTX, ER 0.67%
Nuveen NWQ Small-Cap Value Fund Class I NSCRX, ER 1.11%
Vanguard Extended Market Index Fund Institutional Plus Shares VEMPX, ER 0.06%
Wells Fargo Advantage Discovery Fund Institutional Class WFDSX, ER 0.85%
Vanguard Total International Stock Index Fund Institutional Plus Shares
VTPSX, ER 0.10%
Dodge & Cox International Stock Fund DODFX, ER 0.64%
Voya Clarion Global Real Estate Securities Trust Fund — Class 2, ER 0.78%
【在 h****g 的大作中提到】
: What funds are in your 401k plan? List the fund names, ticker and expense
: ratio so we can help you come up with a plan
|
M********r
发帖数: 278 | 9 I would use these funds in a retirement account
Vanguard employee benefit index fund + vanguard extended market index fund +
vanguard total international stock index fund + vanguard total bond market
index fund |
z****e
发帖数: 2361 | 10 多谢。能建议一下比例吗？我觉得美股现在已经很高了，想保守一点。
+
market
【在 M********r 的大作中提到】
: I would use these funds in a retirement account
: Vanguard employee benefit index fund + vanguard extended market index fund +
: vanguard total international stock index fund + vanguard total bond market
: index fund
|
