l**f 发帖数: 336 | 1 大家好,帮忙看看下面哪个公司好一点,多谢
AIG VALIC
AXA
Great American Life Insurance Company
Lincoln National Life Insurance Company
Metropolitan Life Insurance Company
Nationwide Life Insurance Company
TIAA-CREF |
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H****g 发帖数: 2273 | 3 俺刚刚H1B,5年后回国的可能性较大,准备把单位提供的403加到最大并加满Roth IRA.
这样的计划有什么漏洞和不周么?
还有,关于403b,单位提供TIAA-CREF和FIDELITY,选哪一个呢?
谢谢大家啦~~
bow!!! |
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A******d 发帖数: 571 | 4 omg!
当初是因为financial advisor服务态度好就加入他家的了。
那有么有什么可供推荐的?一下是我们学校批准的服务商,有哪个比较可靠的吗?我真
是完全不懂啊
AIG/VALIC
Great American
ING Financial Services
Lincoln National
Met Life/ Security First
Nationwide
The Hartford
TIAA-CREF |
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o*********y 发帖数: 171 | 5 在学校工作,supplemental retirement plan,可以选择401(k),403(b),457(b),三个公
司,Fidelity, TIAA Cref,和Maryland Supplemental Retirement Plans.有了解的吗?
选那家公司比较好?403还是457?看的我头都大了
多谢!! |
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s**********d 发帖数: 36899 | 7 你得看什么funds available。一般来说TIAA的会好一些。 |
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w******8 发帖数: 59 | 8 how to compare available funds?
To diversify my risk, I am thinking about putting the university's
contribution with one vendor and my own money to a supplementary retirement
plan with the other vendor.
How does that sound? |
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l**********t 发帖数: 5754 | 9 diversification among managers is secondary to diversification among asset
classes. If you are only interested in passive/index funds, there is little
need for manager diversification, so just pick the one with the least
expense ratio.
retirement |
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c*****x 发帖数: 429 | 10 Fidelity Spartan Index Funds:
FTSMX, FSIIX, FBIDX |
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f*****y 发帖数: 214 | 11 无知,不懂投资就知道乱说,所有fund不是expense ratio越少越好,照你这么说,都
去买vanguard fund,他们是最便宜得了,但过去15年total return扣掉费用来说,
vanguard不是很好,相反,fidelity 跟american fund不错。这也是中国人投资最大得
误区,穷人总关心别人要收我多少钱,真正有钱人想得是让别人先赚钱,这样才有人替
你来服务,服务得也更好,所以回报也越高。银行没有任何费用,为什么你不把钱放银
行。
little |
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s********n 发帖数: 1962 | 12 LOL, 还不知道谁到底无知。本来就应该都去买 vanguard.
还有,少动不动就套什么中国人怎么怎么着。 |
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f*****y 发帖数: 214 | 13 你这版主丢人丢到家了,如果都去买vanguard,你怎么不把这个板块叫做vanguard,那
美国剩下大大小小6000多家投资公司都该关门了 |
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K****D 发帖数: 30533 | 14 Did you even read littleshirt's post?
"If you are only interested in passive/index funds, ... just pick
the one with the least expense ratio."
Please tell me what is exactly wrong with that? |
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D******e 发帖数: 1222 | 15 现在Fidelity出了这些IVV之类的free commision的ETF, 根vanguard的fund比起来, 哪
一个好点呢?
Vanguard貌似也开了free commision的ETF, 但是貌似要求minimum balance... |
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s********n 发帖数: 1540 | 16 LOL, you made my day...
of course, no load fund is much better than others... |
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c*****x 发帖数: 429 | 17 I would go with Vanguard. |
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n******n 发帖数: 12088 | 18 but how about dividend? will the index fund also mimic real index's dividend
return? |
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t*m 发帖数: 4414 | 20 yes. if you hold the stock, they pay your dividend
(no matter you hold the stock thru index funds or active funds)
anybody correct me?
dividend |
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t*m 发帖数: 4414 | 21 我觉得没有啥问题,都是index funds,return差不了多少,
,那 |
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L**********y 发帖数: 499 | 22 My company gives me these two choices. This is my first time to know DWS, a
financial branch of Deutsche Bank Corp. Does anyone have some experiences to
share which is better?
Thanks a lot. |
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h*********a 发帖数: 828 | 23 403(b)是不是选Maximum annual contribution of $16,500比较好啊?
学校有以下几个选择,哪个比较好啊?
1.TIAA-CREF
2.The Vanguard Group
3.The Calvert Group
还有这个403(b)是不是和IRA什么的是独立的啊?可以再投资$5000到IRA,对吗?多谢! |
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x****m 发帖数: 134 | 25 刚参加工作,不知如何选择provider, 比如有Jefferson National Life Insurance Co.
,MetLife Resources,TIAA-CREF,ING, VALIC?
学校给10%,因为近两年要买房买车,所以就自己就不往403b里投钱了.我不知道403b能不
能在退休前提前取出来,或者像401k那样有数额限制. 我不知道这个理解对不对? |
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M****a 发帖数: 484 | 27 有两个公司,TIAA-CREF,Fidelity,这三个公司又有不同的fund,例如 fixed rate
fund, bond fund, balanced funds, us equity funds,等等,我又怎么选呢?还是都
差不多?怎么组合这些funds比较好,还是随便选一个填100%?
谢谢! |
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o******8 发帖数: 620 | 28 确实懒就买index fund, 如果让买ETF就买ETF的index, 比如SPY |
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c*v 发帖数: 93 | 29 显然有啊:
As of 12/07/2010 : 30-day SEC Yield 2 : 2.24%
右边还有一个Distributions的link来着. |
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z****7 发帖数: 880 | 30 No distribution information about the fund I mentioned |
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e*r 发帖数: 1121 | 31 请问大家都在什么地方开roth IRA账号?银行么?
我附近有chase, wells fargo,那家银行开roth IRA?
另外单位终于给我401k,有三家funds可选
Fidelity employer services Co LLC
TIAA-CREF
The vanguard Group, INC
不知道有知道的大虾指点一二。 谢谢。 |
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s****7 发帖数: 180 | 32 我家LD 2008年一月份买了VUL,前一两年亏得厉害。到现在总共投了 $22,000. 现在一
查,$23,000多一点. 算是出水了。当时股市低的时候,有一段时间投得多一点, 算是
拉回来了.
同时我查了一下各种投资去年的收益率:
我LD 401K: 17.36%
我 403B (TIAA-CREF): 11.7%
这个 VUL:10.57%
我玩中概股:收益惨不忍睹 |
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h*******e 发帖数: 68 | 33 TIAA-CREF's is even worse |
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r***e 发帖数: 2539 | 34 对bond fund关注的不多,最近才学习的。
我在TIAA-CREF IRA里有些bond market和inflation-link bond,只看到价格有变化,没
注意到有dividend,不知道在哪里看。
另外在研究FGMNX,不知道这个怎么样,有dividend吗?
另外一个问题,在fidelity买的fund哪里设置红利再投资(没找到,国内的基金都有选
择的)
谢谢! |
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s****p 发帖数: 1087 | 35 (1)
Barclays Capital U.S. Treasury Inflation Protected Securities (TIPS) Index怎
么计算出来的?
这里有个收益率,10年的rate of return是7.02%.要知道过去10年的stock的rate of
return是2%左右。
http://enroll.tiaa-cref.org/resources/ffs/194408506.pdf
提到 Barclays Capital U.S. TIPS Index (Series-L):
1 年: 6.31%
5 年: 5.33%
10 年: 7.02%
但是这个数字怎么计算出来的呢?
是不是计算TreasuryDirect市场上各种TIPS bond的waited price,就可以了。
(2)
Bodie说提倡自己买TIPS,这样省手续费。我似乎不大赞成这个观点。
自己买TIPS的话,比如现在30岁,买30 years TIPS,利率是4%+inflation rate,不错。
但是当55岁的时候,预计65岁退休,买10 years T... 阅读全帖 |
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J******s 发帖数: 913 | 36 It is better than most mutual funds.
My portfolio performance is a little better, as follows:
12/31/2010 value: 100%
YTD New contribution: 3.96%
YTD market appreciation: 13.09%
Current holding is as follows (I have both TIAA-CREF and Vanguard):
VCVLX: 25%
VUVLX: 11%
TRLCX: 40%
Cash: 24%
During the past 4 months, I did several adjustments among stocks/bonds/cash. |
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a**u 发帖数: 762 | 37 谢谢,我以前没有任何IRA.
about 403b, we have following provider:
Fidelity Investments
ING
Lincoln Financial Group
MetLife Resources
TIAA-CREF
VALIC
Which one is better? My IRA was with Fidelity. |
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y***e 发帖数: 6082 | 39 为啥TIAA-CREF从不分红啊。。。。
过去十年,DCA买SP500, 年回报4%左右(包括分红) |
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j****y 发帖数: 1714 | 40 Vanguard is special since Vanguard is owned by its own mutual funds.
So they have the same incentive to keep the funds float. In some sense,
vanguard is owned by purchasers of mutual funds.
Others mostly are owned privately or publicly traded , they extract expenses
out of funds for profit. They have conflict of interests.
There is only another comparable company, TIAA-CREF, which has similar
incentive to provide mutual funds which benefit clients.
Incentive is the KEY. |
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f*******n 发帖数: 12623 | 45 问问你的tiaa-cref他们的403b是否offer loans,或者看看你的网上帐户里面有没有
loan的地方。他们会告诉你利息是多少。一般可以借一半的钱,但不可以超过50,000。
一般要五年内要还,但是买屋就可以更长。403b里借了的那笔钱就不投资了,但是会挣
你还回去的利息。 |
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s**********d 发帖数: 36899 | 47 都不错,随便挑一个好了。fidelity会方便一些,如果你有多个帐号都是一个log in。 |
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a*w 发帖数: 4495 | 49 要说single sign on,TIAA比Fidelity还强点,但是后者的投资产品
数量多很多。 |
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