x**********6
发帖数: 1240 | 1 我们的401k选择很少！打算35年以后退休,所以想100%投股票，不想投bond。股票大概
分如下6类，每类下面有2-3个fund可以选。(没有mid-cap 的选择。)。 我能承受风险
，短期跌，无所谓，长线赚钱就OK。
大牛们帮我看看我的配置合理么？
large growth 18%
Large value 17%
Small 20%
SP500 20%
International 20%
Reits 5% |
r***r
发帖数: 414 | 2 how old are you? when do you expect to retire and use the 401k money? Can
you sleep tight at night when 401k is underwater? |
h********d
发帖数: 109 | 3 If you believe in momentum.
You can rank all your fund with recent 3 month performance.
Keep concentrate position in top recent performer.
If it drop below top3, rotate to next one in top1.
In bull market you will ride on faster mover.
In bear market, you will be forced to monetary funds anyway.
If you do not believe in momentum in hart, it will be very difficult to
execute this plan.
有2
【在 x**********6 的大作中提到】
: 我们的401k选择很少！打算35年以后退休,所以想100%投股票，不想投bond。股票大概
: 分如下6类，每类下面有2-3个fund可以选。(没有mid-cap 的选择。)。 我能承受风险
: ，短期跌，无所谓，长线赚钱就OK。
: 大牛们帮我看看我的配置合理么？
: large growth 18%
: Large value 17%
: Small 20%
: SP500 20%
: International 20%
: Reits 5%
|
x**********6
发帖数: 1240 | 4 我相信momentum，但是我们的401k performance没有3个月的return，只有YTD, 1year,
3 year, 5 year.
怎么办啊？
【在 h********d 的大作中提到】
: If you believe in momentum.
: You can rank all your fund with recent 3 month performance.
: Keep concentrate position in top recent performer.
: If it drop below top3, rotate to next one in top1.
: In bull market you will ride on faster mover.
: In bear market, you will be forced to monetary funds anyway.
: If you do not believe in momentum in hart, it will be very difficult to
: execute this plan.
:
: 有2
|
x*******1
发帖数: 28835 | |
x**********6
发帖数: 1240 | 6 呵呵，忍住了啊。。不忍也没办法啦。但是大牛们有什么好的办法避免今后的腰斩？
【在 x*******1 的大作中提到】
: 碰到08年一次的腰斩，看你还能忍住。
|
M****e
发帖数: 3715 | 7 同问 是不是只能放bond fund里保险点 有跟存银行一样保本的fund可以选吗
★ 发自iPhone App: ChineseWeb 8.6
【在 x**********6 的大作中提到】
: 呵呵，忍住了啊。。不忍也没办法啦。但是大牛们有什么好的办法避免今后的腰斩？
|
x**********6
发帖数: 1240 | 8 我们保本的fund才3%，现在这个market一定看不上，但是08年的话，简直是heaven了啊
。但是谁知道呢？
【在 M****e 的大作中提到】
: 同问 是不是只能放bond fund里保险点 有跟存银行一样保本的fund可以选吗
:
: ★ 发自iPhone App: ChineseWeb 8.6
|
k******1
发帖数: 1746 | |
h********d
发帖数: 109 | 10 You can use google finace, it has daily data for recent one year.
Then excel to do some calculation, spend 10min every week if you get the
habit.
You can use target date fund, buying index fund or diversify if you do not
have this time.
I like to hold only one or two funds with best momentum.
1year,
【在 x**********6 的大作中提到】
: 我相信momentum，但是我们的401k performance没有3个月的return，只有YTD, 1year,
: 3 year, 5 year.
: 怎么办啊？
|
p****p
发帖数: 540 | 11 挺有道理，谢谢。每周都看过去3月的数据，然后需要的话就调整？
【在 h********d 的大作中提到】
: You can use google finace, it has daily data for recent one year.
: Then excel to do some calculation, spend 10min every week if you get the
: habit.
: You can use target date fund, buying index fund or diversify if you do not
: have this time.
: I like to hold only one or two funds with best momentum.
:
: 1year,
|
g*********n
发帖数: 282 | 12 这个学习了
【在 h********d 的大作中提到】
: If you believe in momentum.
: You can rank all your fund with recent 3 month performance.
: Keep concentrate position in top recent performer.
: If it drop below top3, rotate to next one in top1.
: In bull market you will ride on faster mover.
: In bear market, you will be forced to monetary funds anyway.
: If you do not believe in momentum in hart, it will be very difficult to
: execute this plan.
:
: 有2
|
h********d
发帖数: 109 | 13 You do weekly work to keep your mind re-fresh.
But most funds request holding>30 days. And most of chance, best fund is
keep in top rank for very long time in bull market. Re-balance very
infrequently unless market get into whipsaw period.
Good strategy that makes money is actually simple, easy and boring.
But you need to keep doing it over and over again.
【在 p****p 的大作中提到】
: 挺有道理，谢谢。每周都看过去3月的数据，然后需要的话就调整？
|
w********8
发帖数: 665 | 14 不好，重复了。
35年长期投资，费用低是关键。 建议前15年以Sp500为主， 兼顾midCaP 再上点reit和
international.
For example sp500 50%, madcap 15% reit 20% international 15%. Rebalance
every 6 month. |
