w******1
发帖数: 154 | 1 我的退休账户是fidelity 的，Spartan 500 Index Fund 的expense ratio是0.07%，
freedom 2045的expense ratio 是0.78%。看了一个纪录片，说30年后fees会相差非常
多。比如我算了一下，30年后这两个fees会差10倍。所以想换成Spartan 500 Index
Fund，或者放到vangard 里。想问一下，fidelity能换吗，或者转出来吗？怎么做？我
要全部都换成index吗？我是要长期投资的。
看了很多帖子，精华也看了，太晕了！ |
p***r
发帖数: 1098 | 2 viiix的expense ratio只有0.02%
sorry，我才发现 VIIIX is the Institutional class
VFINX is the investor class. VIIIX is the Institutional class.The
Institutional class will have a much higher initial investment requirement.
A quick internet search indicates that VFINX has an inital purchase minimum
of $3,000, while VIIIX has an initial of $200,000,000. Otherwise they are
very similar. |
u***e
发帖数: 611 | 3 Fidelity的target fund很烂 换index 再加一些international 和bond fund 比例看你
有多aggressive
【在 w******1 的大作中提到】
: 我的退休账户是fidelity 的，Spartan 500 Index Fund 的expense ratio是0.07%，
: freedom 2045的expense ratio 是0.78%。看了一个纪录片，说30年后fees会相差非常
: 多。比如我算了一下，30年后这两个fees会差10倍。所以想换成Spartan 500 Index
: Fund，或者放到vangard 里。想问一下，fidelity能换吗，或者转出来吗？怎么做？我
: 要全部都换成index吗？我是要长期投资的。
: 看了很多帖子，精华也看了，太晕了！
|
w******1
发帖数: 154 | 4 谢谢。这个index fund怎么样？Exp Ratio 0.24%
Fidelity Four-in-One Index Fund" (FFNOX)
https://fundresearch.fidelity.com/mutual-funds/composition/31634R109
The composition is:
Domestic Equity Funds 59.77%
Spartan 500 Index Fund - Investor Class 48.10%
Spartan Extended Market Index Fund - Investor Class 11.67%
International Equity Funds 25.18%
Spartan International Index Fund - Investor Class 25.18%
Investment Grade Bond Funds 15.03%
Spartan U.S. Bond Index Fund - Investor Class 15.03%
Cash & Net Other Assets 0.02%
【在 u***e 的大作中提到】
: Fidelity的target fund很烂 换index 再加一些international 和bond fund 比例看你
: 有多aggressive
|
r****m
发帖数: 1204 | 5 You can easily buy all these components on your own and incur less than 0.24
% fee. |
l*******r
发帖数: 655 | 6 I feel FFNOX is a good index fund to buy. Just as upstairs body said, you
can buy the components individually by yourself with less fees.
【在 w******1 的大作中提到】
: 谢谢。这个index fund怎么样？Exp Ratio 0.24%
: Fidelity Four-in-One Index Fund" (FFNOX)
: https://fundresearch.fidelity.com/mutual-funds/composition/31634R109
: The composition is:
:
: Domestic Equity Funds 59.77%
: Spartan 500 Index Fund - Investor Class 48.10%
: Spartan Extended Market Index Fund - Investor Class 11.67%
: International Equity Funds 25.18%
: Spartan International Index Fund - Investor Class 25.18%
|
w******1
发帖数: 154 | 7 我看到了这个bogleheads principle:
http://www.bogleheads.org/wiki/Fidelity
这个里面有下面的 stocks:
US Stocks
Fidelity Spartan Total Market Index Fund (FSTVX)
Fidelity Spartan 500 Index Fund (FUSVX)
Fidelity Spartan Extended Market Index Fund (FSEVX)
Fidelity Spartan Mid Cap Index Fund (FSCKX)
Fidelity Spartan Small Cap Index Fund (FSSVX)
Fidelity Spartan Real Estate Index Fund (FSRVX)
International Stocks
Fidelity Spartan Global ex U.S. Index Fund (FSGDX)
Fidelity Spartan International Index Fund (FSIIX/FSIVX)
Fidelity Spartan Emerging Markets Index Fund (FPMAX)
除了Fidelity Spartan 500 Index Fund (FUSVX)，Fidelity Spartan International
Index Fund (FSIIX/FSIVX) 选哪几个比较好呢？一知半解。
要看什么呢？哪些criteria? 除了expense ratio,minimum.
非常感谢。这两天学到了好多东西。
【在 l*******r 的大作中提到】
: I feel FFNOX is a good index fund to buy. Just as upstairs body said, you
: can buy the components individually by yourself with less fees.
|
M********r
发帖数: 278 | 8 1. build a portfolio to cover most asset classes
2. determine stock/bond ratio, this will very likely determine your future
return
3. determine US/International ratio
4. Dollar cost averaging is your best friend. Don't time the market. Don't
trade.
FSTVX + FSIVX + a bond index (FSITX) would be a good start for most people
【在 w******1 的大作中提到】
: 我看到了这个bogleheads principle:
: http://www.bogleheads.org/wiki/Fidelity
: 这个里面有下面的 stocks:
: US Stocks
: Fidelity Spartan Total Market Index Fund (FSTVX)
: Fidelity Spartan 500 Index Fund (FUSVX)
: Fidelity Spartan Extended Market Index Fund (FSEVX)
: Fidelity Spartan Mid Cap Index Fund (FSCKX)
: Fidelity Spartan Small Cap Index Fund (FSSVX)
: Fidelity Spartan Real Estate Index Fund (FSRVX)
|
