w******8
发帖数: 59 | 1 Our university has two vendors Fidelity and TIAA-CREF for optional
retirement plan. Which one has a better reputation in general?
Thanks for your inputs! |
a**e
发帖数: 5794 | 2 fidelity
【在 w******8 的大作中提到】
: Our university has two vendors Fidelity and TIAA-CREF for optional
: retirement plan. Which one has a better reputation in general?
: Thanks for your inputs!
|
s**********d
发帖数: 36899 | 3 你得看什么funds available。一般来说TIAA的会好一些。 |
w******8
发帖数: 59 | 4 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? |
l**********t
发帖数: 5754 | 5 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
【在 w******8 的大作中提到】
: 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?
|
c*****x
发帖数: 429 | 6 Fidelity Spartan Index Funds:
FTSMX, FSIIX, FBIDX |
f*****y
发帖数: 214 | 7 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
【在 l**********t 的大作中提到】
: 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
|
s********n
发帖数: 1962 | 8 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。
【在 f*****y 的大作中提到】
: 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
|
f*****y
发帖数: 214 | 9 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
【在 s********n 的大作中提到】
: 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。
|
K****D
发帖数: 30533 | 10 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?
【在 f*****y 的大作中提到】
: 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
|
|
|
D******e
发帖数: 1222 | 11 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...
【在 s********n 的大作中提到】
: 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。
|
s********n
发帖数: 1540 | 12 LOL, you made my day...
of course, no load fund is much better than others...
【在 f*****y 的大作中提到】
: 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
|
c*****x
发帖数: 429 | 13 I would go with Vanguard.
【在 D******e 的大作中提到】
: 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...
|
n******n
发帖数: 12088 | 14 but how about dividend? will the index fund also mimic real index's dividend
return?
【在 K****D 的大作中提到】
: 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?
|
n******n
发帖数: 12088 | 15 why?
【在 s********n 的大作中提到】
: LOL, you made my day...
: of course, no load fund is much better than others...
|
t*m
发帖数: 4414 | 16 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
【在 n******n 的大作中提到】
: but how about dividend? will the index fund also mimic real index's dividend
: return?
|
t*m
发帖数: 4414 | 17 我觉得没有啥问题，都是index funds，return差不了多少，
，那
【在 K****D 的大作中提到】
: 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?
|
