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Investment版 - 今天 (转载)
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相关话题的讨论汇总
话题: munis话题: bond话题: mm话题: money话题: better
进入Investment版参与讨论
1 (共1页)
t****u
发帖数: 8614
1
【 以下文字转载自 SanFrancisco 讨论区 】
发信人: tonyxu (无斋主人), 信区: SanFrancisco
标 题: 今天
发信站: BBS 未名空间站 (Fri Feb 20 19:20:43 2009)
与一个Financial Advisor聊天,他老人家建议到下一个轮次,到高点8500点以上,把
股票全部出掉换成Municipal bond。版上的各位大师们有何评论?
K****D
发帖数: 30533
2
What if it reaches 8500 3 years later (up from a low of 4200)?

【在 t****u 的大作中提到】
: 【 以下文字转载自 SanFrancisco 讨论区 】
: 发信人: tonyxu (无斋主人), 信区: SanFrancisco
: 标 题: 今天
: 发信站: BBS 未名空间站 (Fri Feb 20 19:20:43 2009)
: 与一个Financial Advisor聊天,他老人家建议到下一个轮次,到高点8500点以上,把
: 股票全部出掉换成Municipal bond。版上的各位大师们有何评论?

m******t
发帖数: 2416
3

By my book, any recommendation to put *everything* in one thing
automatically starts with a -2 score.
That said, Munis are good for cash parking. I have a sizable
portion in Viginia Munis now.

【在 t****u 的大作中提到】
: 【 以下文字转载自 SanFrancisco 讨论区 】
: 发信人: tonyxu (无斋主人), 信区: SanFrancisco
: 标 题: 今天
: 发信站: BBS 未名空间站 (Fri Feb 20 19:20:43 2009)
: 与一个Financial Advisor聊天,他老人家建议到下一个轮次,到高点8500点以上,把
: 股票全部出掉换成Municipal bond。版上的各位大师们有何评论?

c****o
发帖数: 32446
4
咋买virginia munis?
g****g
发帖数: 310
5
o
h*9
发帖数: 38
6
The 1970 recession is as severe as 1929 recession if adjusted for inflation.
But the drop in equity price is much different, one is close to 90% and
other is only 50%. One had a bear mkt for 20 years, another has it only for
3 years. IMHO, the key question is how gov will respond to this crisis, i.e.
how much $ they will print out from thin air.
1929, with gold standard, the world got into a deflation spiral, the winner
of next 20 years is of course bond.
If one buy bond in 1970 and hold it thro

【在 t****u 的大作中提到】
: 【 以下文字转载自 SanFrancisco 讨论区 】
: 发信人: tonyxu (无斋主人), 信区: SanFrancisco
: 标 题: 今天
: 发信站: BBS 未名空间站 (Fri Feb 20 19:20:43 2009)
: 与一个Financial Advisor聊天,他老人家建议到下一个轮次,到高点8500点以上,把
: 股票全部出掉换成Municipal bond。版上的各位大师们有何评论?

s********n
发帖数: 1962
7
Financial Advisor 的水平当真可高可低。我就见过 Fanancial Advisor 就认识
三个 Funds,其他一窍不通的。

【在 t****u 的大作中提到】
: 【 以下文字转载自 SanFrancisco 讨论区 】
: 发信人: tonyxu (无斋主人), 信区: SanFrancisco
: 标 题: 今天
: 发信站: BBS 未名空间站 (Fri Feb 20 19:20:43 2009)
: 与一个Financial Advisor聊天,他老人家建议到下一个轮次,到高点8500点以上,把
: 股票全部出掉换成Municipal bond。版上的各位大师们有何评论?

f****t
发帖数: 1063
8
bond vs Money market, which one is better? and the reasons?
is that true:
1) for taxable account, munis are better
2) for non-taxable account (401k), MM is better?

【在 m******t 的大作中提到】
:
: By my book, any recommendation to put *everything* in one thing
: automatically starts with a -2 score.
: That said, Munis are good for cash parking. I have a sizable
: portion in Viginia Munis now.

m******t
发帖数: 2416
9

I live in Virginia. So the dividends are tax free for me.
(Besides, I figured even if they would let California fail,
surely they would bail out the "Mother of Presidents".
...
They would, right?)

【在 c****o 的大作中提到】
: 咋买virginia munis?
m******t
发帖数: 2416
10

Define "better", I guess. 8-)
I have generally been enjoying higher returns from the viginia munis
than MM. But bonds and bond funds fluctuate a lot compared to MM, which
doesn't fluctuate (at least not supposed to), so naturally you wouldn't
want to keep your cash cushion in bonds...
Oh I guess there is also the commission issue - MM doesn't cost any,
while bonds or bond funds do.

【在 f****t 的大作中提到】
: bond vs Money market, which one is better? and the reasons?
: is that true:
: 1) for taxable account, munis are better
: 2) for non-taxable account (401k), MM is better?

相关主题
200K 现金求投资建议why bond is so fluctuated?
最近municipal fund为什么大跌了?muni bond 问题
California Bonds, good investments?bond funds
进入Investment版参与讨论
g********t
发帖数: 168
11
MM doesn't cost any??

【在 m******t 的大作中提到】
:
: Define "better", I guess. 8-)
: I have generally been enjoying higher returns from the viginia munis
: than MM. But bonds and bond funds fluctuate a lot compared to MM, which
: doesn't fluctuate (at least not supposed to), so naturally you wouldn't
: want to keep your cash cushion in bonds...
: Oh I guess there is also the commission issue - MM doesn't cost any,
: while bonds or bond funds do.

c*****s
发帖数: 16
12
Will there be default risk if buying municipal bond at this time? 大侠们给说
说?

【在 t****u 的大作中提到】
: 【 以下文字转载自 SanFrancisco 讨论区 】
: 发信人: tonyxu (无斋主人), 信区: SanFrancisco
: 标 题: 今天
: 发信站: BBS 未名空间站 (Fri Feb 20 19:20:43 2009)
: 与一个Financial Advisor聊天,他老人家建议到下一个轮次,到高点8500点以上,把
: 股票全部出掉换成Municipal bond。版上的各位大师们有何评论?

s**********d
发帖数: 36899
13
这些FA能说对的话就不会干这种几万块的job了。
m******t
发帖数: 2416
14

I was thinking the default money market fund that comes with
almost every brokerage account.

【在 g********t 的大作中提到】
: MM doesn't cost any??
g********t
发帖数: 168
15
there is still fee for the default money market fund if you read the
prospectus. sometimes, it is really higher than index fund.

【在 m******t 的大作中提到】
:
: I was thinking the default money market fund that comes with
: almost every brokerage account.

m******t
发帖数: 2416
16

Very true.
I did say "commission" not "expenses"... didn't I...
//flip through posts and double check
Yep, sure did. :)

【在 g********t 的大作中提到】
: there is still fee for the default money market fund if you read the
: prospectus. sometimes, it is really higher than index fund.

1 (共1页)
进入Investment版参与讨论
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1/23/09 YTDCalifornia Bonds, good investments?
新手弱问买Bond一事why bond is so fluctuated?
F1NR买tax-free municipal bond MF能享受税收优惠吗?muni bond 问题
没人买municipal bond吗? 做了点reser,好像对于,buobond funds
roth ira 买municipal bond是不是亏了?散户去哪里买小额的tax-exempt Muni Bond
相关话题的讨论汇总
话题: munis话题: bond话题: mm话题: money话题: better