s********a 发帖数: 2796 | 1 对这个东西不是很懂,去年乱放,结果亏了12%,今年不敢乱来了,能请各位执导一下该
怎么选择我的401k么?谢谢
Name Expense ratio
Company STOCK FUND Company stock(Stock) 0.01%
HARTFORD CAP APP IA Large Cap Blend(Stock) 0.67%
NT S&P 500 INDEX Large Cap Blend(Stock) 0.01%
NT RUSSELL 2000 INDX Small Cap Blend(Stock) 0.03%
TRP INST SM CAP STK Small Cap Blend(Stock) 0.73%
HARRIS OAKMRK GLOBAL World(Stock) 0.80%
NT ACWI EX-US IDX DC Foreign(Stock) 0.06%
OPPHMR DEV MKTS Y Diversfd Emerging Mkts 1.00%
JANUS BALANCED I Asset Allocation(Blended Fund) 0.65%
SPTN INT TR IDX INV Intermed Government(Bond) 0.20%
NT AGGREG BOND INDEX Intermediate-Term(Bond) 0.03%
PIM TOTAL RT INST Intermediate-Term(Bond) 0.46%
FIXED INCOME FUND Stable Value(Bond) 0.30%
FIMM MONEY MKT INST Short-Term(Bond) 0.18% |
s********y 发帖数: 3811 | 2 1. index funds or low expense ratio funds only.
2. stock funds 80% & bond funds 20% if you are around 30 yo.
【在 s********a 的大作中提到】 : 对这个东西不是很懂,去年乱放,结果亏了12%,今年不敢乱来了,能请各位执导一下该 : 怎么选择我的401k么?谢谢 : Name Expense ratio : Company STOCK FUND Company stock(Stock) 0.01% : HARTFORD CAP APP IA Large Cap Blend(Stock) 0.67% : NT S&P 500 INDEX Large Cap Blend(Stock) 0.01% : NT RUSSELL 2000 INDX Small Cap Blend(Stock) 0.03% : TRP INST SM CAP STK Small Cap Blend(Stock) 0.73% : HARRIS OAKMRK GLOBAL World(Stock) 0.80% : NT ACWI EX-US IDX DC Foreign(Stock) 0.06%
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t*m 发帖数: 4414 | 3 把钱按如下比率,放在4个基金上
55% NT S&P 500 INDEX Large Cap Blend(Stock)
15% NT RUSSELL 2000 INDX Small Cap Blend(Stock)
15% NT ACWI EX-US IDX DC Foreign(Stock)
15% NT AGGREG BOND INDEX Intermediate-Term(Bond) |
c*****e 发帖数: 1106 | 4 Nice selection of ultra low expense index fund, but is the allocation to int
'l fund too small at 15%?
If LZ lost 12% last year, he probably had a large portion of his investment
in int'l and small cap funds, he probably made back most of the losses in
Jan. :) So, one never knows.
【在 t*m 的大作中提到】 : 把钱按如下比率,放在4个基金上 : 55% NT S&P 500 INDEX Large Cap Blend(Stock) : 15% NT RUSSELL 2000 INDX Small Cap Blend(Stock) : 15% NT ACWI EX-US IDX DC Foreign(Stock) : 15% NT AGGREG BOND INDEX Intermediate-Term(Bond)
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s********z 发帖数: 5411 | 5 我靠,这是什么公司啊?
401k这么好? 这么低的expense可能吗?公司补贴?
【在 s********a 的大作中提到】 : 对这个东西不是很懂,去年乱放,结果亏了12%,今年不敢乱来了,能请各位执导一下该 : 怎么选择我的401k么?谢谢 : Name Expense ratio : Company STOCK FUND Company stock(Stock) 0.01% : HARTFORD CAP APP IA Large Cap Blend(Stock) 0.67% : NT S&P 500 INDEX Large Cap Blend(Stock) 0.01% : NT RUSSELL 2000 INDX Small Cap Blend(Stock) 0.03% : TRP INST SM CAP STK Small Cap Blend(Stock) 0.73% : HARRIS OAKMRK GLOBAL World(Stock) 0.80% : NT ACWI EX-US IDX DC Foreign(Stock) 0.06%
|
n****u 发帖数: 229 | 6 401k normally offers institutional mutual funds which always have very low
ER.
【在 s********z 的大作中提到】 : 我靠,这是什么公司啊? : 401k这么好? 这么低的expense可能吗?公司补贴?
|
s********z 发帖数: 5411 | 7 yeah, but 0.01% expense ratio is really really low
【在 n****u 的大作中提到】 : 401k normally offers institutional mutual funds which always have very low : ER.
|
l******9 发帖数: 28 | 8 到morningstar上查评级,首选五星,至少也要四星,二星就不要考虑了。 |
s********a 发帖数: 2796 | 9 对这个东西不是很懂,去年乱放,结果亏了12%,今年不敢乱来了,能请各位执导一下该
怎么选择我的401k么?谢谢
Name Expense ratio
Company STOCK FUND Company stock(Stock) 0.01%
HARTFORD CAP APP IA Large Cap Blend(Stock) 0.67%
NT S&P 500 INDEX Large Cap Blend(Stock) 0.01%
NT RUSSELL 2000 INDX Small Cap Blend(Stock) 0.03%
TRP INST SM CAP STK Small Cap Blend(Stock) 0.73%
HARRIS OAKMRK GLOBAL World(Stock) 0.80%
NT ACWI EX-US IDX DC Foreign(Stock) 0.06%
OPPHMR DEV MKTS Y Diversfd Emerging Mkts 1.00%
JANUS BALANCED I Asset Allocation(Blended Fund) 0.65%
SPTN INT TR IDX INV Intermed Government(Bond) 0.20%
NT AGGREG BOND INDEX Intermediate-Term(Bond) 0.03%
PIM TOTAL RT INST Intermediate-Term(Bond) 0.46%
FIXED INCOME FUND Stable Value(Bond) 0.30%
FIMM MONEY MKT INST Short-Term(Bond) 0.18% |
s********y 发帖数: 3811 | 10 1. index funds or low expense ratio funds only.
2. stock funds 80% & bond funds 20% if you are around 30 yo.
【在 s********a 的大作中提到】 : 对这个东西不是很懂,去年乱放,结果亏了12%,今年不敢乱来了,能请各位执导一下该 : 怎么选择我的401k么?谢谢 : Name Expense ratio : Company STOCK FUND Company stock(Stock) 0.01% : HARTFORD CAP APP IA Large Cap Blend(Stock) 0.67% : NT S&P 500 INDEX Large Cap Blend(Stock) 0.01% : NT RUSSELL 2000 INDX Small Cap Blend(Stock) 0.03% : TRP INST SM CAP STK Small Cap Blend(Stock) 0.73% : HARRIS OAKMRK GLOBAL World(Stock) 0.80% : NT ACWI EX-US IDX DC Foreign(Stock) 0.06%
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t*m 发帖数: 4414 | 11 把钱按如下比率,放在4个基金上
55% NT S&P 500 INDEX Large Cap Blend(Stock)
15% NT RUSSELL 2000 INDX Small Cap Blend(Stock)
15% NT ACWI EX-US IDX DC Foreign(Stock)
15% NT AGGREG BOND INDEX Intermediate-Term(Bond) |
c*****e 发帖数: 1106 | 12 Nice selection of ultra low expense index fund, but is the allocation to int
'l fund too small at 15%?
If LZ lost 12% last year, he probably had a large portion of his investment
in int'l and small cap funds, he probably made back most of the losses in
Jan. :) So, one never knows.
【在 t*m 的大作中提到】 : 把钱按如下比率,放在4个基金上 : 55% NT S&P 500 INDEX Large Cap Blend(Stock) : 15% NT RUSSELL 2000 INDX Small Cap Blend(Stock) : 15% NT ACWI EX-US IDX DC Foreign(Stock) : 15% NT AGGREG BOND INDEX Intermediate-Term(Bond)
|
s********z 发帖数: 5411 | 13 我靠,这是什么公司啊?
401k这么好? 这么低的expense可能吗?公司补贴?
【在 s********a 的大作中提到】 : 对这个东西不是很懂,去年乱放,结果亏了12%,今年不敢乱来了,能请各位执导一下该 : 怎么选择我的401k么?谢谢 : Name Expense ratio : Company STOCK FUND Company stock(Stock) 0.01% : HARTFORD CAP APP IA Large Cap Blend(Stock) 0.67% : NT S&P 500 INDEX Large Cap Blend(Stock) 0.01% : NT RUSSELL 2000 INDX Small Cap Blend(Stock) 0.03% : TRP INST SM CAP STK Small Cap Blend(Stock) 0.73% : HARRIS OAKMRK GLOBAL World(Stock) 0.80% : NT ACWI EX-US IDX DC Foreign(Stock) 0.06%
|
n****u 发帖数: 229 | 14 401k normally offers institutional mutual funds which always have very low
ER.
【在 s********z 的大作中提到】 : 我靠,这是什么公司啊? : 401k这么好? 这么低的expense可能吗?公司补贴?
|
s********z 发帖数: 5411 | 15 yeah, but 0.01% expense ratio is really really low
【在 n****u 的大作中提到】 : 401k normally offers institutional mutual funds which always have very low : ER.
|
l******9 发帖数: 28 | 16 到morningstar上查评级,首选五星,至少也要四星,二星就不要考虑了。 |
y******r 发帖数: 1500 | 17 mark
【在 s********a 的大作中提到】 : 对这个东西不是很懂,去年乱放,结果亏了12%,今年不敢乱来了,能请各位执导一下该 : 怎么选择我的401k么?谢谢 : Name Expense ratio : Company STOCK FUND Company stock(Stock) 0.01% : HARTFORD CAP APP IA Large Cap Blend(Stock) 0.67% : NT S&P 500 INDEX Large Cap Blend(Stock) 0.01% : NT RUSSELL 2000 INDX Small Cap Blend(Stock) 0.03% : TRP INST SM CAP STK Small Cap Blend(Stock) 0.73% : HARRIS OAKMRK GLOBAL World(Stock) 0.80% : NT ACWI EX-US IDX DC Foreign(Stock) 0.06%
|
b****n 发帖数: 993 | 18 这个建议还是别听为好。
【在 l******9 的大作中提到】 : 到morningstar上查评级,首选五星,至少也要四星,二星就不要考虑了。
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j***4 发帖数: 3119 | 19 Good allocation. But i would put 25% in OPPHMR DEV MKTS Y
Diversfd Emerging Mkts instead of international. And trim bond index to 10%
and small cap to 10%.
【在 t*m 的大作中提到】 : 把钱按如下比率,放在4个基金上 : 55% NT S&P 500 INDEX Large Cap Blend(Stock) : 15% NT RUSSELL 2000 INDX Small Cap Blend(Stock) : 15% NT ACWI EX-US IDX DC Foreign(Stock) : 15% NT AGGREG BOND INDEX Intermediate-Term(Bond)
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s******y 发帖数: 200 | 20 能不能也帮我看看?不是很懂每个选了一两个,去年收益-10%, 今年10%左右,正想重
新rebalance,怎么选择呢?
Name Expense ratio
Blended Fund Investments:
VANGUARD TARGET 2055 0.083%
VANGUARD TARGET 2050 0.083%
VANGUARD TARGET 2045 0.083%
VANGUARD TARGET 2040 0.083%
VANGUARD TARGET 2035 0.083%
VANGUARD TARGET 2030 0.083%
VANGUARD TARGET 2025 0.083%
VANGUARD TARGET 2020 0.083%
VANGUARD TARGET 2015 0.083%
VANGUARD TARGET 2010 0.083%
VANGUARD TARGET INC 0.083%
Index Fund Stock Investments:
VANG EXT MKT IDX INS 0.12%
VANG INST INDEX PLUS 0.02%
VANG TOT INTL STK IS 0.13%
Index Bond Investments:
VANG TOT BD MK IS PL 0.05%
Core Options Stock Investments :
FID LOW PRICED STK K 0.83%
DODGE & COX STOCK 0.52%
FID GROWTH CO K 0.70%
FID CONTRAFUND K 0.69%
FID WORLDWIDE 1.05%
ORACLE COMMON STK FD 0.001%
DODGE & COX INTL STK 0.65%
ARTISAN INTL 1.22%
ARTISAN SM CAP VALUE 1.20%
LZRD EMRG MKTS EQ IS 1.14%
PERKINS MID CP VAL I 0.85%
TCM SM MID CAP GRTH 0.92%
Blended Fund Investments:
FID BALANCED K 0.48%
Bond Investments :
PIM TOTAL RT INST 0.46%
GALLIARD STABLE VAL 0.31% |
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s**********d 发帖数: 36899 | 21
是啊,老婆前公司有0.02%我觉得已经不得了了,结果还有0.01%的。。。
有点不可思议啊。
【在 s********z 的大作中提到】 : yeah, but 0.01% expense ratio is really really low
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s******8 发帖数: 4192 | 22 实际上0.01%都太多。大mutual fund可以把股票借出去赚利息,特别是这种稳定的401k
funds。很多指数ETF,实际expense都已经是负的了。 |
Y***o 发帖数: 4135 | 23 mark.
【在 s********a 的大作中提到】 : 对这个东西不是很懂,去年乱放,结果亏了12%,今年不敢乱来了,能请各位执导一下该 : 怎么选择我的401k么?谢谢 : Name Expense ratio : Company STOCK FUND Company stock(Stock) 0.01% : HARTFORD CAP APP IA Large Cap Blend(Stock) 0.67% : NT S&P 500 INDEX Large Cap Blend(Stock) 0.01% : NT RUSSELL 2000 INDX Small Cap Blend(Stock) 0.03% : TRP INST SM CAP STK Small Cap Blend(Stock) 0.73% : HARRIS OAKMRK GLOBAL World(Stock) 0.80% : NT ACWI EX-US IDX DC Foreign(Stock) 0.06%
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