i******r
发帖数: 1415 | 1 工作一年多，401k怎么组合连想都没想过，一直就用retirement 2050，最近稍微看了
一下，觉得收益好低啊。
公司401k用的是T.Rowe Price，麻烦帮我推荐个组合，多谢！
[stock]
ARTISAN INTERNATIONAL INSTL 0.95%
BLUE CHIP GROWTH FUND 0.71%
COLUMBIA SEL SMALLERCAP VAL R5 0.95%
FIDELITY INTERNATIONAL IND INV 0.19%
GROWTH STOCK FUND 0.67%
INVESCO DIVERSIFIED DIVIDND R6 0.45%
IVY SCIENCE & TECHNOLOGY N 0.83%
JP MORGAN MID CAP VALUE L 0.95%
MFS INTL NEW DISCOVERY R6 0.96%
MID-CAP GROWTH FUND 0.77%
REAL ESTATE FUND 0.76%
VANGUARD INST INDEX 0.04%
VANGUARD SMALL CAP INDEX, ADM 0.08%
[bond]
NEW INCOME FUND 0.55%
PIMCO HIGH YIELD, INSTL. 0.56%
SPECTRUM INCOME FUND 0.69%
VANGUARD TOTAL BOND INDEX ADM 0.06%
[money market]
TRP STABLE VALUE FUND 0.20%
[retirement]
RETIREMENT 2005 FUND 0.60%
RETIREMENT 2010 FUND 0.59%
RETIREMENT 2015 FUND 0.62%
RETIREMENT 2020 FUND 0.66%
RETIREMENT 2025 FUND 0.69%
RETIREMENT 2030 FUND 0.72%
RETIREMENT 2035 FUND 0.74%
RETIREMENT 2040 FUND 0.76%
RETIREMENT 2045 FUND 0.76%
RETIREMENT 2050 FUND 0.76%
RETIREMENT 2055 FUND 0.76%
RETIREMENT 2060 FUND 0.76%
T ROWE PRICE RETIRE BAL INV 0.57% |
S******Y
发帖数: 388 | |
M********r
发帖数: 278 | 3 I suggest you read a few books about retirement investing and get a clear
and realistic expectation of investment returns. What if I tell you that
some of the best investment portfolios generate 5% annually and average
investors get returns of 3month t bill. Yes there are people ( hedge fund,
pension funds, endowments etc) who churn out 10% 15% 20%. But they are
different animals with completely different risk tolerance and investment
mandate. Stick with 2050 if you don't know much about investing. |
s*********y
发帖数: 689 | 4 ER低的一般不会烂。这里头Vanguard Institutional Index应该是配置主力，加上
Vanguard Total Bond Admiral就是很不错的组合。具体的allocation比例取决你的
risk tolerance和投资的horizon。图省事当然也可以用target fund，它替你动态的调
整allocation和rebalance。
我总是建议读一点入门的投资方面的书或网站，为退休投资是重大的事情，需要有正确
的知识和方法。 |
i******r
发帖数: 1415 | 5 多谢楼上两位的建议，我回去看看书。
50% VANGUARD INST INDEX 0.04%
30% VANGUARD SMALL CAP INDEX, ADM 0.08%
20% VANGUARD TOTAL BOND INDEX ADM 0.06%
这样的组合如何？ |
s*********y
发帖数: 689 | |
m*********y
发帖数: 1890 | 7 Very good.
【在 i******r 的大作中提到】
: 多谢楼上两位的建议，我回去看看书。
: 50% VANGUARD INST INDEX 0.04%
: 30% VANGUARD SMALL CAP INDEX, ADM 0.08%
: 20% VANGUARD TOTAL BOND INDEX ADM 0.06%
: 这样的组合如何？
|
w***n
发帖数: 1519 | 8 I would swap the SC fund with "FIDELITY INTERNATIONAL IND INV" to gain
geographical diversification.
If you have to slice & dice, focus on small cap value rather than small cap
blend/growth (where there are a bunch of lottery-type stocks).
【在 i******r 的大作中提到】
: 多谢楼上两位的建议，我回去看看书。
: 50% VANGUARD INST INDEX 0.04%
: 30% VANGUARD SMALL CAP INDEX, ADM 0.08%
: 20% VANGUARD TOTAL BOND INDEX ADM 0.06%
: 这样的组合如何？
|
