k*******9
发帖数: 3 | 1 以前就放在 vanguard target 2040, 发现那里的股票竟然占了80%， 然后在网上查了
好多， 单位提供的基金如下，依次代表的是基金名称，class, category,和ER
American Funds EuroPacific Growth Fund® Class R-6 RERGX, stock,
foreign, 0.5%
Cohen & Steers Institutional Realty Shares
CSRIX , stock, specialty
, 0.76
DFA Emerging Markets Value Portfolio Institutional Class
DFEVX,stock
, diversifd emerging mkts, 0.66 or 0.56
DFA U.S. Targeted Value Portfolio Institutional Class
DFFVX, stock,
small cap value, 0.37
Harbor Capital Appreciation Fund Institutional Class HACAX, stock , large
cap growth, 0.7or 0.65
Lord Abbett Developing Growth Fund Class I
LADYX, stock, small cap
growth, 0.73
PIMCO Foreign Bond (Unhedged) Fund Institutional Class
PFUIX, bond,
world, 0.52 or 0.5
PIMCO Real Return Fund Institutional Class PRRIX, bond, intermed government
, 0.58 or 0.45
PIMCO Total Return Fund Institutional Class
PTTRX, bond,
intermediate-term,0.47
Principal Fixed Account , bond , stable value
T. Rowe Price Institutional Large Cap Value Fund TILCX, stock, large cap
value, 0.57
Vanguard Emerging Markets Stock Index Fund Institutional Shares
VEMIX
, stock, diversfd emerging mkts, 0.12
Vanguard Developed Markets Index Fund Institutional Shares VTMNX, stock
foreign, 0.07
Vanguard FTSE Social Index Fund Institutional Shares
VFTNX, stock,
large cap blend, 0.15
Vanguard Institutional Index Fund Institutional Plus Shares
VIIIX,
stock, large cap blend, 0.02
Vanguard Mid-Cap Index Fund Institutional Shares
VMCIX, stock, mid-
cap blend, 0.07
Vanguard Small-Cap Index Fund Institutional Shares VSCIX, stock, small cap
blend, 0.07
Vanguard Short-Term Bond Index Fund Institutional Shares VBITX, bond, short
-term, 0.06
Vanguard Total Bond Market Index Fund Institutional Shares VBTIX, bond,
intermediate-term, 0.05
Vanguard Federal Money Market Fund Investor Shares VMFXX, short-term, N/A,
0.11
自己选了下面三个及比例，大家帮忙看看可以不？
Vanguard Institutional Index Fund Institutional Plus Shares
VIIIX
(40%)
Vanguard Total Bond Market Index Fund Institutional Shares VBTIX (40%)
Vanguard Developed Markets Index Fund Institutional Shares VTMNX, (20%)
谢谢！
| M********r
发帖数: 278 | 2 Your three picks are great and make an excellent long term portfolio. In my
opinion a 60/40 allocation works for most people regardless of their ages.
However you have to realize the consequence of such a "conservative"
portfolio for young people. That is, when stock market is booming, your
portfolio will very likely underperform stock indices and you have to live
with it. The worst you can do is try to time the market and chase the
outperforming asset class | k*******9
发帖数: 3 | 3 "However you have to realize the consequence of such a "conservative"
portfolio for young people. That is, when stock market is booming, your
portfolio will very likely underperform stock indices and you have to live
with it. The worst you can do is try to time the market and chase the
outperforming asset class"
这句话什么意思哪，我选的比例是stock/bond是60/40，股票所占比例少吗？
谢谢！
: Your three picks are great and make an excellent long term portfolio.
In my
: opinion a 60/40 allocation works for most people regardless of their
ages.
: However you have to realize the consequence of such a "conservative"
: portfolio for young people. That is, when stock market is booming,
your
: portfolio will very likely underperform stock indices and you have to
live
: with it. The worst you can do is try to time the market and chase the
: outperforming asset class
【在 M********r 的大作中提到】
: Your three picks are great and make an excellent long term portfolio. In my
: opinion a 60/40 allocation works for most people regardless of their ages.
: However you have to realize the consequence of such a "conservative"
: portfolio for young people. That is, when stock market is booming, your
: portfolio will very likely underperform stock indices and you have to live
: with it. The worst you can do is try to time the market and chase the
: outperforming asset class
| M********r
发帖数: 278 | 4 资产分布没有绝对的正确 保守不保守 完全取决于你自己对风险的承受能力。我最主要
的人意思是 既然你选了60/40 你就要意识到 假如某一年 sp500 涨 20% 你周围的人都
在brag他的投资有20 30%的收益 你的投资只涨12% 你会不会眼红 会不会因此放弃最初
的60/40 | k*******9
发帖数: 3 | 5
恩，这是一个问题， 我再想想。
非常感谢！
【在 M********r 的大作中提到】
: 资产分布没有绝对的正确 保守不保守 完全取决于你自己对风险的承受能力。我最主要
: 的人意思是 既然你选了60/40 你就要意识到 假如某一年 sp500 涨 20% 你周围的人都
: 在brag他的投资有20 30%的收益 你的投资只涨12% 你会不会眼红 会不会因此放弃最初
: 的60/40
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