q****4
发帖数: 226 | 1 请大家帮忙看看我的退休计划如何。打算5-6年一次调整。
州里的退休计划在fidelity，可选的基金很少（23只），除开target date Freedom
Fund（有11只），剩下的就只有：
1. FID DIVERSIFD INTL (FDIVX)
2. FID DIVIDEND GR (FDGFX)
3. FID LOW PRICED STK (FLPSX)
4. FID REAL ESTATE INVS (FRESX)
5. FID WORLDWIDE (FWWFX)
6. SPTN EXT MKT IDX ADV (FSEVX)
7. FID FREEDOM INCOME (FFFAX)
8. FID HIGH INCOME (SPHIX)
9. FID INFLAT PROT BOND (FINPX)
10. SPTN US BOND IDX ADV (FSITX)
11. FID RET GOVT MM (FGMXX)
12. MIP CL 1
我计划以下百分比（然后每5-6年看情况调整）：
6 - 50%
4 - 15%
8 - 20%
target Freedom - 15%
请大拿们看看如何？或者有别的推荐？ | M********r
发帖数: 278 | 2 Including target freedom fund in the portfolio does not quite make sense to
me. If I were you, I would either use a target date fund as my sole
investment and put my portfolio on auto-pilot, or build a equity/bond
portfolio myself. For equity portion, I would choose FDGFX + FSEVX + FDIVX.
For bond, I like FSITX (maybe FINPX too) | q****4
发帖数: 226 | 3 不瞒您说，我一开始的搭配和你选的一模一样 FDGFX + FSEVX + FDIVX，再加Freedom
fund。我是看FDGFX morningstar rate不高（其实回报率还好），FDIVX的费用有些高0
.92%（当然morningstar rate还比较高），所以想替换掉。
看来freedom fund肯定是不要了，换成SPHIX high income fund (bond)。
to
.
【在 M********r 的大作中提到】
: Including target freedom fund in the portfolio does not quite make sense to
: me. If I were you, I would either use a target date fund as my sole
: investment and put my portfolio on auto-pilot, or build a equity/bond
: portfolio myself. For equity portion, I would choose FDGFX + FSEVX + FDIVX.
: For bond, I like FSITX (maybe FINPX too)
| M********r
发帖数: 278 | 4 SPHIX is a junk bond fund, which may also invest in convertibles and
preferred stocks. historically these all have higher correlation with
equities compared with high quality bonds. If I were you, I would rather
have a broad bond index ( and higher quality ones) in my portfolio.the
purpose of having bonds in a long term portfolio is NOT to generate income,
but to hedge equity risk. |
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