T****i
发帖数: 15191 | 1 去年逐渐把里面的股票类投资转为Money Market和房地产REITS。现在大约25%是房地产
，10%是股票，很少Bond，剩下都是Money Market。最近接到信，说几个月后，Money
Market要收管理费了。我估计很多人去年减少了401K/403B里面的股票，BBS上几个炒股
大牛就有把401K的钱都改成Money Market的，所以投资管理公司赚不到管理费，急了。
现在股市已经在高位，显然再放在股市很危险，还有什么投资比较好呢？ |
c******g
发帖数: 2323 | 2 这就是预测大盘的结果，好多大牛去年就money market 结果股市又涨了20%，现在大牛
都盾了。 |
T****i
发帖数: 15191 | 3 但金融危机来临时也跌的非常厉害。很多人在01年和09年那两次一跌就是50%的大跌后
损失惨重，只好推迟退休。
【在 c******g 的大作中提到】
: 这就是预测大盘的结果，好多大牛去年就money market 结果股市又涨了20%，现在大牛
: 都盾了。
|
M******d
发帖数: 486 | 4 Sell some utility ETF puts.
1) Utility pays good dividends;
2) They don't drop as much as the big market in a crash, because everyone
still has to take shower and consumer electricity;
3) The put premium will offset some of your losses when they do drop.
Please note:
1) Pick your entry point carefully.
2) When the market keeps rallying, you won't enjoy the same level of returns
as the market.
3) There's no perfect strategy in the market place. But this strategy will
provide better return than money market products with high probability.
4) You'll likely have to move to a new brokerage firm where put selling is
allowed in retirement accounts.
【在 T****i 的大作中提到】
: 但金融危机来临时也跌的非常厉害。很多人在01年和09年那两次一跌就是50%的大跌后
: 损失惨重，只好推迟退休。
|
T****i
发帖数: 15191 | 5 谢谢。这个思路不错。可惜我现在还没法把403B转成IRA。
Sell some utility ETF puts.
returns
【在 M******d 的大作中提到】
: Sell some utility ETF puts.
: 1) Utility pays good dividends;
: 2) They don't drop as much as the big market in a crash, because everyone
: still has to take shower and consumer electricity;
: 3) The put premium will offset some of your losses when they do drop.
: Please note:
: 1) Pick your entry point carefully.
: 2) When the market keeps rallying, you won't enjoy the same level of returns
: as the market.
: 3) There's no perfect strategy in the market place. But this strategy will
|
