s*******0
发帖数: 31 | 1 今年26岁，securian的401K，expense ratio 比别家高好多啊，不知道怎么选，求助
ing
LifeStrategy I Total expense
Vanguard LifeStrategy Growth Fund 0.95
LifeStrategy II
Vanguard LifeStrategy Moderate Growth Fund 0.94
LifeStrategy III
Vanguard LifeStrategy Conservative Growth Fund 0.93
Aggregate Bond II
PIMCO Total Return Fund, Institutional Class 1.24
Intermediate-Term Bond IndexIA
Vanguard Intermediate-Term Bond Index Fund, Signal Shares 0.88
Multisector Bond I
Loomis Sayles Bond Fund, Institutional Class 1.21
Managed IV
Invesco Equity and Income Fund, R5 1.02
Large Value Equity XII
DFA US Large Cap Value Portfolio 1.05
Large Value Equity XIII
AllianzGI NFJ Large-Cap Value Fund, Institutional Shares 1.44
Large Equity Index
Advantus S&P 500® Index 0.83
Large Equity II
Pyramis® Large Cap Core 1.20
Large Growth Equity VIII
T. Rowe Price Large Cap Growth 1.22
Large Growth Equity Xi
Winslow Capital Large Cap Growth 1.33
Small/Mid Equity Index IA
Vanguard Extended Market Index Fund, Signal Shares 0.92
Mid-Cap Growth Equity I
Disciplined Growth Investors Mid Cap Growth 1.39
Small Value Equity X
Aston/River Road Small Cap Value Fund, Class I 1.84
Small Growth Equity V
Turner Small Cap Growth Fund 1.68
International Core I 1.11
GMO International Core Equity Fund, Class III
Health Care Equity III
T. Rowe Price Health Sciences Fund 1.42
General Account
Minnesota Life General Assets 0.78 |
s********y
发帖数: 3811 | 2 wow, it is robbery.
【在 s*******0 的大作中提到】
: 今年26岁，securian的401K，expense ratio 比别家高好多啊，不知道怎么选，求助
: ing
: LifeStrategy I Total expense
: Vanguard LifeStrategy Growth Fund 0.95
: LifeStrategy II
: Vanguard LifeStrategy Moderate Growth Fund 0.94
: LifeStrategy III
: Vanguard LifeStrategy Conservative Growth Fund 0.93
: Aggregate Bond II
: PIMCO Total Return Fund, Institutional Class 1.24
|
y****i
发帖数: 778 | 3 Loomis Sayles is my favorite bond fund. My 401k is 100% cash now, but will
start to buy 5-10% each time when it's going down another 2-5%. Last time it
dropped 8% from 8/1/2011 to 10/4/2011, before that the worst was 30% at the
end of 2008.
【在 s*******0 的大作中提到】
: 今年26岁，securian的401K，expense ratio 比别家高好多啊，不知道怎么选，求助
: ing
: LifeStrategy I Total expense
: Vanguard LifeStrategy Growth Fund 0.95
: LifeStrategy II
: Vanguard LifeStrategy Moderate Growth Fund 0.94
: LifeStrategy III
: Vanguard LifeStrategy Conservative Growth Fund 0.93
: Aggregate Bond II
: PIMCO Total Return Fund, Institutional Class 1.24
|
z*****3
发帖数: 94 | 4 The expense ratio is tooo high! For PIMCO, mine is 0.46%(?), sth. like this.
If I didn't remember wrong, even if you buy from fidelity using a common
non 401k/IRA account, the expense will be lower than this. |
z*****3
发帖数: 94 | 5 Thanks! how about PIMCO? it's been stable in the past 26 years, but doesn't
perform well this year. Bill gross himself has already sold these kinds of
bond fund.
my 401K doesn't give the cash option, the only similar one is to put money
in money market fund while paying fees to them:(
it
the
【在 y****i 的大作中提到】
: Loomis Sayles is my favorite bond fund. My 401k is 100% cash now, but will
: start to buy 5-10% each time when it's going down another 2-5%. Last time it
: dropped 8% from 8/1/2011 to 10/4/2011, before that the worst was 30% at the
: end of 2008.
|
y****i
发帖数: 778 | 6 PTTRX put too much weight on Treasury, the yield is still low. LSBRX yield
is much higher and more upside potential.
t
【在 z*****3 的大作中提到】
: Thanks! how about PIMCO? it's been stable in the past 26 years, but doesn't
: perform well this year. Bill gross himself has already sold these kinds of
: bond fund.
: my 401K doesn't give the cash option, the only similar one is to put money
: in money market fund while paying fees to them:(
:
: it
: the
|
S**C
发帖数: 2964 | 7 You probably should ask your HR department why ER of the funds in your 401(k
) plan is 0.6-0.9% higher than the equivalent funds.
And at the same time, only contribute to get the match, look for your next
job.
【在 s*******0 的大作中提到】
: 今年26岁，securian的401K，expense ratio 比别家高好多啊，不知道怎么选，求助
: ing
: LifeStrategy I Total expense
: Vanguard LifeStrategy Growth Fund 0.95
: LifeStrategy II
: Vanguard LifeStrategy Moderate Growth Fund 0.94
: LifeStrategy III
: Vanguard LifeStrategy Conservative Growth Fund 0.93
: Aggregate Bond II
: PIMCO Total Return Fund, Institutional Class 1.24
|
r****m
发帖数: 1204 | 8 Agree with everyone said here, this is outrageously high!
Can't imagine a company's HR could treat its employees in this way, you
should get more colleagues together to complain about it, if no change in
sight, you should seriously start looking for next job, because from this
policy, we can imagine how abusive the company could be towards its
employees. |
c*******e
发帖数: 8624 | 9 expense都这么高
【在 s*******0 的大作中提到】
: 今年26岁，securian的401K，expense ratio 比别家高好多啊，不知道怎么选，求助
: ing
: LifeStrategy I Total expense
: Vanguard LifeStrategy Growth Fund 0.95
: LifeStrategy II
: Vanguard LifeStrategy Moderate Growth Fund 0.94
: LifeStrategy III
: Vanguard LifeStrategy Conservative Growth Fund 0.93
: Aggregate Bond II
: PIMCO Total Return Fund, Institutional Class 1.24
|
i**********o
发帖数: 5993 | 10 no, vanguard most funds around 0.2%
【在 c*******e 的大作中提到】
: expense都这么高
|
z*****3
发帖数: 94 | 11 Thanks yangqi! get your point. gonna buy some LSBRX when it drops using
fidelity account. my 401k can't buy this. sigh, what limited kinds of
choices.
Btw, would you please explain a little bit the crash of the bond market in
2008? is it because of the credit?
How bearish do u think the current bond market could be?
Is it good to do swing trade for these bond fund since now on, instead of
holding them tightly?Thanks.
【在 y****i 的大作中提到】
: PTTRX put too much weight on Treasury, the yield is still low. LSBRX yield
: is much higher and more upside potential.
:
: t
|
y****i
发帖数: 778 | 12 Yes, 2008 crash is mainly credit plus lack of liquidity of junk bonds at the
peak of the crisis. Like I said before, treasury bond bubble is the biggest
for current bond market, following by agency bonds and high rating
corporate and muni bonds. The yield is too low to offset the risk of
interest going up. Some low rating investment grade muni bonds with
insurance are good bargain now even considering 10 year treasury bond yield
going up to 3.5-4%. Some sovereign bonds and junk bonds hold by LSBRX are
also with good yield and reasonable credit, average BB+ for the high yield.
LSBRX has 8% cash and 6% stock or preferred stock make it more diversify
than normal bond funds that usually put too much in treasury bonds and
agency bonds.
【在 z*****3 的大作中提到】
: Thanks yangqi! get your point. gonna buy some LSBRX when it drops using
: fidelity account. my 401k can't buy this. sigh, what limited kinds of
: choices.
: Btw, would you please explain a little bit the crash of the bond market in
: 2008? is it because of the credit?
: How bearish do u think the current bond market could be?
: Is it good to do swing trade for these bond fund since now on, instead of
: holding them tightly?Thanks.
|
z*****3
发帖数: 94 | 13 Thank you so much! You are really a guru!
the
biggest
yield
.
【在 y****i 的大作中提到】
: Yes, 2008 crash is mainly credit plus lack of liquidity of junk bonds at the
: peak of the crisis. Like I said before, treasury bond bubble is the biggest
: for current bond market, following by agency bonds and high rating
: corporate and muni bonds. The yield is too low to offset the risk of
: interest going up. Some low rating investment grade muni bonds with
: insurance are good bargain now even considering 10 year treasury bond yield
: going up to 3.5-4%. Some sovereign bonds and junk bonds hold by LSBRX are
: also with good yield and reasonable credit, average BB+ for the high yield.
: LSBRX has 8% cash and 6% stock or preferred stock make it more diversify
: than normal bond funds that usually put too much in treasury bonds and
|
