g****o
发帖数: 1284 | 1 去年年底在Vanguard给自己和LD一人开了一个Roth IRA，各投了5000。当时算是超级新
手，什么也不懂，本着不把鸡蛋放在一个篮子里的原则（当然从现在来看还是不够
diversify），我给自己买了VBMFX，给LD买了VFINX。几个月过去了，我的Bond Fund跌
到了4850，LD的VFINX则涨到了5620。考了下古，看来大家的一致意见是Bond Fund的黄
金岁月是一去不复返了。我是不是该早点抽身，改投别的fund，毕竟现在的损失还不算
多？如果现在exchange，大家有什么好的推荐么？ |
t*m
发帖数: 4414 | 2 target fund 2040.
【在 g****o 的大作中提到】
: 去年年底在Vanguard给自己和LD一人开了一个Roth IRA，各投了5000。当时算是超级新
: 手，什么也不懂，本着不把鸡蛋放在一个篮子里的原则（当然从现在来看还是不够
: diversify），我给自己买了VBMFX，给LD买了VFINX。几个月过去了，我的Bond Fund跌
: 到了4850，LD的VFINX则涨到了5620。考了下古，看来大家的一致意见是Bond Fund的黄
: 金岁月是一去不复返了。我是不是该早点抽身，改投别的fund，毕竟现在的损失还不算
: 多？如果现在exchange，大家有什么好的推荐么？
|
g****o
发帖数: 1284 | 3 hehe，跟我想的一样啊。多谢多谢！
【在 t*m 的大作中提到】
: target fund 2040.
|
D*****t
发帖数: 558 | 4 keep it as is. you should look at the 2 funds as a portfolio, not 2
individual funds. you have gained 4.7% in just a few months. that ain't bad.
when you have a balanced and diversified portfolio, it is always a good
sign to have something that is loosing money. when you have more money to
invest, add a international stock fund. right now, a 50-50 split in domestic
equity and bond sounds reasonable. |
g****o
发帖数: 1284 | 5 多谢大牛指教！
bad.
domestic
【在 D*****t 的大作中提到】
: keep it as is. you should look at the 2 funds as a portfolio, not 2
: individual funds. you have gained 4.7% in just a few months. that ain't bad.
: when you have a balanced and diversified portfolio, it is always a good
: sign to have something that is loosing money. when you have more money to
: invest, add a international stock fund. right now, a 50-50 split in domestic
: equity and bond sounds reasonable.
|
m**********r
发帖数: 887 | 6 4850+5620 = 10470, not bad!
【在 g****o 的大作中提到】
: 去年年底在Vanguard给自己和LD一人开了一个Roth IRA，各投了5000。当时算是超级新
: 手，什么也不懂，本着不把鸡蛋放在一个篮子里的原则（当然从现在来看还是不够
: diversify），我给自己买了VBMFX，给LD买了VFINX。几个月过去了，我的Bond Fund跌
: 到了4850，LD的VFINX则涨到了5620。考了下古，看来大家的一致意见是Bond Fund的黄
: 金岁月是一去不复返了。我是不是该早点抽身，改投别的fund，毕竟现在的损失还不算
: 多？如果现在exchange，大家有什么好的推荐么？
|
k***n
发帖数: 3158 | 7 stay away from Bond, it's toxic
at least invest some in commodities
【在 g****o 的大作中提到】
: 去年年底在Vanguard给自己和LD一人开了一个Roth IRA，各投了5000。当时算是超级新
: 手，什么也不懂，本着不把鸡蛋放在一个篮子里的原则（当然从现在来看还是不够
: diversify），我给自己买了VBMFX，给LD买了VFINX。几个月过去了，我的Bond Fund跌
: 到了4850，LD的VFINX则涨到了5620。考了下古，看来大家的一致意见是Bond Fund的黄
: 金岁月是一去不复返了。我是不是该早点抽身，改投别的fund，毕竟现在的损失还不算
: 多？如果现在exchange，大家有什么好的推荐么？
|
S**C
发帖数: 2964 | 8 Never pick target-retirement fund based on when you expect to retire, rather
, it should based on your equity-bond ratio you feel comfortable.
Vanguard 2035+ funds have less than 10% bond, they are basically VTSMX lite,
10% bond and a little foreign exposure won't save you if the great
recession II hits.
【在 g****o 的大作中提到】
: hehe，跟我想的一样啊。多谢多谢！
|
t*m
发帖数: 4414 | 9 (1) is now a good time to hold heavy fond portfolio?
(2) lz is talking about ira, the money they need in 30 years. why so worry
about recession II? In the next 30 years stock is more likely to outperform
bond
rather
lite,
【在 S**C 的大作中提到】
: Never pick target-retirement fund based on when you expect to retire, rather
: , it should based on your equity-bond ratio you feel comfortable.
: Vanguard 2035+ funds have less than 10% bond, they are basically VTSMX lite,
: 10% bond and a little foreign exposure won't save you if the great
: recession II hits.
|
S**C
发帖数: 2964 | 10 I do not know how "heavy" is heavy, I also do not know if it is good time to
hold US equity, or Europe, or Asia etc. or just hold cash.
It does not matter which account the money is in, how many investors have
the fortitude to stick to their investment plan through thick and thin? Just
look at M* investor return and fund return.
outperform
【在 t*m 的大作中提到】
: (1) is now a good time to hold heavy fond portfolio?
: (2) lz is talking about ira, the money they need in 30 years. why so worry
: about recession II? In the next 30 years stock is more likely to outperform
: bond
:
: rather
: lite,
|
