p********8
发帖数: 81 | 1 大家给评价一下，我自己选的ROTH IRA组合。
Total market index funds
Total Bond Market Index Admiral Shares 0.08%, 4.77%
Stock funds
500 Index Admiral Shares 0.05%, 8.05%
Mid-Cap Index Admiral Shares 0.09%, 9.9%
Balanced funds
Balanced Index Admiral Shares 0.09%, 7.34%
Money Market Funds
Prime Money Market 0.16%, 1.65%
前面的是expense ratio, 后面的是10 yrs return
这5个，按照vanguard risk的等级是每级一个，expense ratio相对较低，10 yrs
return还可以的
预计长期投资，起码10年后才会准备取出来用
帮我review一下，谢谢 |
g****o
发帖数: 547 | 2 Money Market Funds为啥要投？
roth ira的钱又不会短期内拿出来 |
C**d
发帖数: 678 | 3 10 years? what's your age
【在 p********8 的大作中提到】
: 大家给评价一下，我自己选的ROTH IRA组合。
: Total market index funds
: Total Bond Market Index Admiral Shares 0.08%, 4.77%
: Stock funds
: 500 Index Admiral Shares 0.05%, 8.05%
: Mid-Cap Index Admiral Shares 0.09%, 9.9%
: Balanced funds
: Balanced Index Admiral Shares 0.09%, 7.34%
: Money Market Funds
: Prime Money Market 0.16%, 1.65%
|
p********8
发帖数: 81 | 4 大家给评价一下，我自己选的ROTH IRA组合。
Total market index funds
Total Bond Market Index Admiral Shares 0.08%, 4.77%
Stock funds
500 Index Admiral Shares 0.05%, 8.05%
Mid-Cap Index Admiral Shares 0.09%, 9.9%
Balanced funds
Balanced Index Admiral Shares 0.09%, 7.34%
Money Market Funds
Prime Money Market 0.16%, 1.65%
前面的是expense ratio, 后面的是10 yrs return
这5个，按照vanguard risk的等级是每级一个，expense ratio相对较低，10 yrs
return还可以的
预计长期投资，起码10年后才会准备取出来用
帮我review一下，谢谢 |
g****o
发帖数: 547 | 5 Money Market Funds为啥要投？
roth ira的钱又不会短期内拿出来 |
C**d
发帖数: 678 | 6 10 years? what's your age
【在 p********8 的大作中提到】
: 大家给评价一下，我自己选的ROTH IRA组合。
: Total market index funds
: Total Bond Market Index Admiral Shares 0.08%, 4.77%
: Stock funds
: 500 Index Admiral Shares 0.05%, 8.05%
: Mid-Cap Index Admiral Shares 0.09%, 9.9%
: Balanced funds
: Balanced Index Admiral Shares 0.09%, 7.34%
: Money Market Funds
: Prime Money Market 0.16%, 1.65%
|
p********8
发帖数: 81 | 7 我想的是平衡一下风险，所以你的意见是？
【在 g****o 的大作中提到】
: Money Market Funds为啥要投？
: roth ira的钱又不会短期内拿出来
|
p********8
发帖数: 81 | 8 不到30
我是想用这个作为长期投资回报的参考
不知道你有什么建议？
【在 C**d 的大作中提到】
: 10 years? what's your age
|
v******u
发帖数: 451 | 9 admiral share的最低购买金额较高，注意看看。年纪轻就不要这么保守了，你这么选
不如直接买target fund算了。
【在 p********8 的大作中提到】
: 大家给评价一下，我自己选的ROTH IRA组合。
: Total market index funds
: Total Bond Market Index Admiral Shares 0.08%, 4.77%
: Stock funds
: 500 Index Admiral Shares 0.05%, 8.05%
: Mid-Cap Index Admiral Shares 0.09%, 9.9%
: Balanced funds
: Balanced Index Admiral Shares 0.09%, 7.34%
: Money Market Funds
: Prime Money Market 0.16%, 1.65%
|
m*********y
发帖数: 1890 | 10 not necessary. if you put money in every year, it's just like DCA. That's
why money market is redundant.
【在 p********8 的大作中提到】
: 我想的是平衡一下风险，所以你的意见是？
|
m*********y
发帖数: 1890 | 11 probably i will just use 3. 20bond-30mid cap-50 sp500
Total market index funds
20% Total Bond Market Index Admiral Shares 0.08%, 4.77%
Stock funds
50% 500 Index Admiral Shares 0.05%, 8.05%
30% Mid-Cap Index Admiral Shares 0.09%, 9.9%
【在 p********8 的大作中提到】
: 大家给评价一下，我自己选的ROTH IRA组合。
: Total market index funds
: Total Bond Market Index Admiral Shares 0.08%, 4.77%
: Stock funds
: 500 Index Admiral Shares 0.05%, 8.05%
: Mid-Cap Index Admiral Shares 0.09%, 9.9%
: Balanced funds
: Balanced Index Admiral Shares 0.09%, 7.34%
: Money Market Funds
: Prime Money Market 0.16%, 1.65%
|
k***e
发帖数: 7933 | 12 没错，省得折腾。
【在 v******u 的大作中提到】
: admiral share的最低购买金额较高，注意看看。年纪轻就不要这么保守了，你这么选
: 不如直接买target fund算了。
|
p********8
发帖数: 81 | 13 谢谢
【在 m*********y 的大作中提到】
: probably i will just use 3. 20bond-30mid cap-50 sp500
: Total market index funds
: 20% Total Bond Market Index Admiral Shares 0.08%, 4.77%
: Stock funds
: 50% 500 Index Admiral Shares 0.05%, 8.05%
: 30% Mid-Cap Index Admiral Shares 0.09%, 9.9%
|
