p*j
2 楼
研究了半天学校退休账户里面的funds，最后觉得似乎以下几个不错。但是要是都买的
话好像太多了，因为每年在这账户里投的钱也不多，所以想这五个funds种选个2，3个
就好了。
大家能不能帮我看看如何取舍。我有点举棋不定~
FBIDX
FRESX
FFNOX
FCNTX
FSEMX
多谢多谢！
话好像太多了，因为每年在这账户里投的钱也不多，所以想这五个funds种选个2，3个
就好了。
大家能不能帮我看看如何取舍。我有点举棋不定~
FBIDX
FRESX
FFNOX
FCNTX
FSEMX
多谢多谢！
e*b
3 楼
根据１０４０表的instruction, Scholarship and fellowship grants not reported
on Form W-2. Also, enter “SCH”
and the amount on the dotted line next to line 7.
那我在填line２２的时候还加不加1042S这部分钱啊。我看版上都是把１０４２S上的钱
加到line７里，再在line２１减去。
到底是follow１０４０form的instruction还是象大家这样添啊？糊涂了。
on Form W-2. Also, enter “SCH”
and the amount on the dotted line next to line 7.
那我在填line２２的时候还加不加1042S这部分钱啊。我看版上都是把１０４２S上的钱
加到line７里，再在line２１减去。
到底是follow１０４０form的instruction还是象大家这样添啊？糊涂了。
S*V
4 楼
S*n
5 楼
老板不让用origin了，说跟伊的Mac不兼容。。。
大家有啥作图软件推荐么？多谢了：）
大家有啥作图软件推荐么？多谢了：）
g*s
6 楼
被吓到了，赶紧把昨天进的跑了。。白跑一趟，给券商打工了
【在 g*********s 的大作中提到】
: 哈
【在 g*********s 的大作中提到】
: 哈
s*y
7 楼
20% FBIDX
40% FCNTX
40% FSEMX
【在 p***j 的大作中提到】
: 研究了半天学校退休账户里面的funds，最后觉得似乎以下几个不错。但是要是都买的
: 话好像太多了，因为每年在这账户里投的钱也不多，所以想这五个funds种选个2，3个
: 就好了。
: 大家能不能帮我看看如何取舍。我有点举棋不定~
: FBIDX
: FRESX
: FFNOX
: FCNTX
: FSEMX
: 多谢多谢！
40% FCNTX
40% FSEMX
【在 p***j 的大作中提到】
: 研究了半天学校退休账户里面的funds，最后觉得似乎以下几个不错。但是要是都买的
: 话好像太多了，因为每年在这账户里投的钱也不多，所以想这五个funds种选个2，3个
: 就好了。
: 大家能不能帮我看看如何取舍。我有点举棋不定~
: FBIDX
: FRESX
: FFNOX
: FCNTX
: FSEMX
: 多谢多谢！
x*h
8 楼
excel,hehe
【在 S*****n 的大作中提到】
: 老板不让用origin了，说跟伊的Mac不兼容。。。
: 大家有啥作图软件推荐么？多谢了：）
【在 S*****n 的大作中提到】
: 老板不让用origin了，说跟伊的Mac不兼容。。。
: 大家有啥作图软件推荐么？多谢了：）
g*s
9 楼
跑啥啊，那么牛气
【在 g*****s 的大作中提到】
: 被吓到了，赶紧把昨天进的跑了。。白跑一趟，给券商打工了
【在 g*****s 的大作中提到】
: 被吓到了，赶紧把昨天进的跑了。。白跑一趟，给券商打工了
p*j
10 楼
能指点一下为什么这么选么？
【在 s********y 的大作中提到】
: 20% FBIDX
: 40% FCNTX
: 40% FSEMX
【在 s********y 的大作中提到】
: 20% FBIDX
: 40% FCNTX
: 40% FSEMX
v*s
11 楼
mac上好像大家都用Igor。
【在 S*****n 的大作中提到】
: 老板不让用origin了，说跟伊的Mac不兼容。。。
: 大家有啥作图软件推荐么？多谢了：）
【在 S*****n 的大作中提到】
: 老板不让用origin了，说跟伊的Mac不兼容。。。
: 大家有啥作图软件推荐么？多谢了：）
y*f
12 楼
你亏了
【在 g*****s 的大作中提到】
: 被吓到了，赶紧把昨天进的跑了。。白跑一趟，给券商打工了
【在 g*****s 的大作中提到】
: 被吓到了，赶紧把昨天进的跑了。。白跑一趟，给券商打工了
s*y
13 楼
20% FBIDX (bond)
40% FCNTX (good fund)
40% FSEMX (index fund, low fee)
【在 p***j 的大作中提到】
: 能指点一下为什么这么选么？
40% FCNTX (good fund)
40% FSEMX (index fund, low fee)
【在 p***j 的大作中提到】
: 能指点一下为什么这么选么？
h*t
14 楼
Sigma Plot, PRISM, DeltaGraph
【在 S*****n 的大作中提到】
: 老板不让用origin了，说跟伊的Mac不兼容。。。
: 大家有啥作图软件推荐么？多谢了：）
【在 S*****n 的大作中提到】
: 老板不让用origin了，说跟伊的Mac不兼容。。。
: 大家有啥作图软件推荐么？多谢了：）
s*z
15 楼
put everything in FFNOX and forget about it.
【在 p***j 的大作中提到】
: 研究了半天学校退休账户里面的funds，最后觉得似乎以下几个不错。但是要是都买的
: 话好像太多了，因为每年在这账户里投的钱也不多，所以想这五个funds种选个2，3个
: 就好了。
: 大家能不能帮我看看如何取舍。我有点举棋不定~
: FBIDX
: FRESX
: FFNOX
: FCNTX
: FSEMX
: 多谢多谢！
【在 p***j 的大作中提到】
: 研究了半天学校退休账户里面的funds，最后觉得似乎以下几个不错。但是要是都买的
: 话好像太多了，因为每年在这账户里投的钱也不多，所以想这五个funds种选个2，3个
: 就好了。
: 大家能不能帮我看看如何取舍。我有点举棋不定~
: FBIDX
: FRESX
: FFNOX
: FCNTX
: FSEMX
: 多谢多谢！
l*l
16 楼
可以试试Grace 是免费的
http://plasma-gate.weizmann.ac.il/Grace/
【在 S*****n 的大作中提到】
: 老板不让用origin了，说跟伊的Mac不兼容。。。
: 大家有啥作图软件推荐么？多谢了：）
http://plasma-gate.weizmann.ac.il/Grace/
【在 S*****n 的大作中提到】
: 老板不让用origin了，说跟伊的Mac不兼容。。。
: 大家有啥作图软件推荐么？多谢了：）
p*j
17 楼
嗯~ 多谢指点。我也蛮喜欢这三个的。
我觉得这五个中，我最不倾向于选FFNOX。比较犹豫的是我是不是该买一点FRESX。
【在 s********y 的大作中提到】
: 20% FBIDX (bond)
: 40% FCNTX (good fund)
: 40% FSEMX (index fund, low fee)
我觉得这五个中，我最不倾向于选FFNOX。比较犹豫的是我是不是该买一点FRESX。
【在 s********y 的大作中提到】
: 20% FBIDX (bond)
: 40% FCNTX (good fund)
: 40% FSEMX (index fund, low fee)
O*R
18 楼
matlab
【在 S*****n 的大作中提到】
: 老板不让用origin了，说跟伊的Mac不兼容。。。
: 大家有啥作图软件推荐么？多谢了：）
【在 S*****n 的大作中提到】
: 老板不让用origin了，说跟伊的Mac不兼容。。。
: 大家有啥作图软件推荐么？多谢了：）
p*j
19 楼
啊？ 这样啊。。。 是因为FFNOX啥都有是么？
【在 s********z 的大作中提到】
: put everything in FFNOX and forget about it.
【在 s********z 的大作中提到】
: put everything in FFNOX and forget about it.
s*x
20 楼
iGOR
s*z
21 楼
it is one of the best fund out there. it is a fund of funds. 85/15 stock/
bond.
very balanced, relatively low cost, low maintenance;
you never need to worry about rebalancing.
but again, it depends on your investing object and horizon. if you are 45
years old, it might not be a good fund but if your retirement is more than
25 years away, it is a great choice.
【在 p***j 的大作中提到】
: 啊？ 这样啊。。。 是因为FFNOX啥都有是么？
bond.
very balanced, relatively low cost, low maintenance;
you never need to worry about rebalancing.
but again, it depends on your investing object and horizon. if you are 45
years old, it might not be a good fund but if your retirement is more than
25 years away, it is a great choice.
【在 p***j 的大作中提到】
: 啊？ 这样啊。。。 是因为FFNOX啥都有是么？
y*i
22 楼
igor吧，功能超强。
p*j
23 楼
oh~ I see. I have more than 25 years to retire.
Maybe I should do
60% FFNOX
30% FCNTX
10% FBIDX
because looks like FCNTX is a good fund too.
【在 s********z 的大作中提到】
: it is one of the best fund out there. it is a fund of funds. 85/15 stock/
: bond.
: very balanced, relatively low cost, low maintenance;
: you never need to worry about rebalancing.
: but again, it depends on your investing object and horizon. if you are 45
: years old, it might not be a good fund but if your retirement is more than
: 25 years away, it is a great choice.
:
Maybe I should do
60% FFNOX
30% FCNTX
10% FBIDX
because looks like FCNTX is a good fund too.
【在 s********z 的大作中提到】
: it is one of the best fund out there. it is a fund of funds. 85/15 stock/
: bond.
: very balanced, relatively low cost, low maintenance;
: you never need to worry about rebalancing.
: but again, it depends on your investing object and horizon. if you are 45
: years old, it might not be a good fund but if your retirement is more than
: 25 years away, it is a great choice.
:
a*e
24 楼
Igor
【在 S*****n 的大作中提到】
: 老板不让用origin了，说跟伊的Mac不兼容。。。
: 大家有啥作图软件推荐么？多谢了：）
【在 S*****n 的大作中提到】
: 老板不让用origin了，说跟伊的Mac不兼容。。。
: 大家有啥作图软件推荐么？多谢了：）
p*j
25 楼
or
60% FFNOX
30% FCNTX
5% FBIDX
5% FSEMX
? 这样是不是太分散了？
【在 p***j 的大作中提到】
: oh~ I see. I have more than 25 years to retire.
: Maybe I should do
: 60% FFNOX
: 30% FCNTX
: 10% FBIDX
: because looks like FCNTX is a good fund too.
60% FFNOX
30% FCNTX
5% FBIDX
5% FSEMX
? 这样是不是太分散了？
【在 p***j 的大作中提到】
: oh~ I see. I have more than 25 years to retire.
: Maybe I should do
: 60% FFNOX
: 30% FCNTX
: 10% FBIDX
: because looks like FCNTX is a good fund too.
l*t
26 楼
Luwent View Studio. 在www.luwent.com下载。
s*z
27 楼
DO NOT buy FCNTX!
it is an active fund and is too expensive.
if you are very very Conservative, you can get some FBIDX. But this fund
has too much very long term bond, which I think is very bad. the interests
is 0 and the only way is up. think about it.
【在 p***j 的大作中提到】
: oh~ I see. I have more than 25 years to retire.
: Maybe I should do
: 60% FFNOX
: 30% FCNTX
: 10% FBIDX
: because looks like FCNTX is a good fund too.
it is an active fund and is too expensive.
if you are very very Conservative, you can get some FBIDX. But this fund
has too much very long term bond, which I think is very bad. the interests
is 0 and the only way is up. think about it.
【在 p***j 的大作中提到】
: oh~ I see. I have more than 25 years to retire.
: Maybe I should do
: 60% FFNOX
: 30% FCNTX
: 10% FBIDX
: because looks like FCNTX is a good fund too.
d*s
28 楼
igor
s*z
29 楼
last post,
if I were you, I would do FFNOX 100% and then max out Roth and have
exposure to short/mid term bond, emerging stock and reit.
Or you can do
FRESX 20%
FFNOX 80%
FRESX is very expensive,but it only make sense to hold reit in tax sheltered.
Good luck.
FRESX is expensive
【在 p***j 的大作中提到】
: 研究了半天学校退休账户里面的funds，最后觉得似乎以下几个不错。但是要是都买的
: 话好像太多了，因为每年在这账户里投的钱也不多，所以想这五个funds种选个2，3个
: 就好了。
: 大家能不能帮我看看如何取舍。我有点举棋不定~
: FBIDX
: FRESX
: FFNOX
: FCNTX
: FSEMX
: 多谢多谢！
if I were you, I would do FFNOX 100% and then max out Roth and have
exposure to short/mid term bond, emerging stock and reit.
Or you can do
FRESX 20%
FFNOX 80%
FRESX is very expensive,but it only make sense to hold reit in tax sheltered.
Good luck.
FRESX is expensive
【在 p***j 的大作中提到】
: 研究了半天学校退休账户里面的funds，最后觉得似乎以下几个不错。但是要是都买的
: 话好像太多了，因为每年在这账户里投的钱也不多，所以想这五个funds种选个2，3个
: 就好了。
: 大家能不能帮我看看如何取舍。我有点举棋不定~
: FBIDX
: FRESX
: FFNOX
: FCNTX
: FSEMX
: 多谢多谢！
h*r
30 楼
SciDaVis, a Origin clone.
s*y
31 楼
it is debatable if adding reit helps with diversification. i don't think it
helps a lot though.
【在 p***j 的大作中提到】
: 嗯~ 多谢指点。我也蛮喜欢这三个的。
: 我觉得这五个中，我最不倾向于选FFNOX。比较犹豫的是我是不是该买一点FRESX。
helps a lot though.
【在 p***j 的大作中提到】
: 嗯~ 多谢指点。我也蛮喜欢这三个的。
: 我觉得这五个中，我最不倾向于选FFNOX。比较犹豫的是我是不是该买一点FRESX。
z*y
32 楼
KGraph，也可以
s*y
33 楼
i am curious about your claim "it is one of the best fund out there". its
morning star rating is 3 stars.
if you have 100% of a fund. how do you rebalance your portfolio?
【在 s********z 的大作中提到】
: it is one of the best fund out there. it is a fund of funds. 85/15 stock/
: bond.
: very balanced, relatively low cost, low maintenance;
: you never need to worry about rebalancing.
: but again, it depends on your investing object and horizon. if you are 45
: years old, it might not be a good fund but if your retirement is more than
: 25 years away, it is a great choice.
:
morning star rating is 3 stars.
if you have 100% of a fund. how do you rebalance your portfolio?
【在 s********z 的大作中提到】
: it is one of the best fund out there. it is a fund of funds. 85/15 stock/
: bond.
: very balanced, relatively low cost, low maintenance;
: you never need to worry about rebalancing.
: but again, it depends on your investing object and horizon. if you are 45
: years old, it might not be a good fund but if your retirement is more than
: 25 years away, it is a great choice.
:
s*z
34 楼
morningstar rating is a reflection of the return in the recent past and
doesn't account for risks. your investment horizon is typically a lot longer
than morningstar rating system. so, it is like listing all the recent
lottery winners and say here are the great lottery pickers!
ffnox is a fund of funds! please educate yourself before asking silly
questions.
【在 s********y 的大作中提到】
: i am curious about your claim "it is one of the best fund out there". its
: morning star rating is 3 stars.
: if you have 100% of a fund. how do you rebalance your portfolio?
doesn't account for risks. your investment horizon is typically a lot longer
than morningstar rating system. so, it is like listing all the recent
lottery winners and say here are the great lottery pickers!
ffnox is a fund of funds! please educate yourself before asking silly
questions.
【在 s********y 的大作中提到】
: i am curious about your claim "it is one of the best fund out there". its
: morning star rating is 3 stars.
: if you have 100% of a fund. how do you rebalance your portfolio?
s*y
35 楼
fund of funds is not necessarily ideal. do you know you will be double
charged for expense. why not do some mixing yourself?
could you watch your mouth before calling other silly? that really doesn't
speak well for your intelligence.
longer
【在 s********z 的大作中提到】
: morningstar rating is a reflection of the return in the recent past and
: doesn't account for risks. your investment horizon is typically a lot longer
: than morningstar rating system. so, it is like listing all the recent
: lottery winners and say here are the great lottery pickers!
: ffnox is a fund of funds! please educate yourself before asking silly
: questions.
charged for expense. why not do some mixing yourself?
could you watch your mouth before calling other silly? that really doesn't
speak well for your intelligence.
longer
【在 s********z 的大作中提到】
: morningstar rating is a reflection of the return in the recent past and
: doesn't account for risks. your investment horizon is typically a lot longer
: than morningstar rating system. so, it is like listing all the recent
: lottery winners and say here are the great lottery pickers!
: ffnox is a fund of funds! please educate yourself before asking silly
: questions.
s*z
36 楼
sorry, i take the silly back, did not mean to belittle anyone.
yes, it is better to slice and dice on your own and find cheapest funds in
each asset class, probably etf or admiral funds from vanguard. However the
reason I recommend FFNOX is that with 401k and 403b, as in this case, you
may not have access to all the essential elements as in the case of taxable
or IRA where you decide where to open accounts. Secondly, not everyone is
as disciplined as necessary to rebalance regularly and FFNOX does it for
you.
Yeah, you are right that some fund of funds charge on top of underlying
funds, which is not the case here.
【在 s********y 的大作中提到】
: fund of funds is not necessarily ideal. do you know you will be double
: charged for expense. why not do some mixing yourself?
: could you watch your mouth before calling other silly? that really doesn't
: speak well for your intelligence.
:
: longer
yes, it is better to slice and dice on your own and find cheapest funds in
each asset class, probably etf or admiral funds from vanguard. However the
reason I recommend FFNOX is that with 401k and 403b, as in this case, you
may not have access to all the essential elements as in the case of taxable
or IRA where you decide where to open accounts. Secondly, not everyone is
as disciplined as necessary to rebalance regularly and FFNOX does it for
you.
Yeah, you are right that some fund of funds charge on top of underlying
funds, which is not the case here.
【在 s********y 的大作中提到】
: fund of funds is not necessarily ideal. do you know you will be double
: charged for expense. why not do some mixing yourself?
: could you watch your mouth before calling other silly? that really doesn't
: speak well for your intelligence.
:
: longer
p*j
37 楼
Thank you both for your valuable information!
I will take your suggestions and do some more research before I make the
final decision.
There are also some TIAA-CREF funds on the list provided by my employer. I
am not familiar with TIAA-CREF at all but I guess I should do some research
on those funds as well.
Anyway, thank you again!
I will take your suggestions and do some more research before I make the
final decision.
There are also some TIAA-CREF funds on the list provided by my employer. I
am not familiar with TIAA-CREF at all but I guess I should do some research
on those funds as well.
Anyway, thank you again!
s*y
38 楼
according to yahoo finance, ffnox Prospectus Gross Expense Ratio: 0.23%
【在 s********z 的大作中提到】
: sorry, i take the silly back, did not mean to belittle anyone.
: yes, it is better to slice and dice on your own and find cheapest funds in
: each asset class, probably etf or admiral funds from vanguard. However the
: reason I recommend FFNOX is that with 401k and 403b, as in this case, you
: may not have access to all the essential elements as in the case of taxable
: or IRA where you decide where to open accounts. Secondly, not everyone is
: as disciplined as necessary to rebalance regularly and FFNOX does it for
: you.
: Yeah, you are right that some fund of funds charge on top of underlying
: funds, which is not the case here.
【在 s********z 的大作中提到】
: sorry, i take the silly back, did not mean to belittle anyone.
: yes, it is better to slice and dice on your own and find cheapest funds in
: each asset class, probably etf or admiral funds from vanguard. However the
: reason I recommend FFNOX is that with 401k and 403b, as in this case, you
: may not have access to all the essential elements as in the case of taxable
: or IRA where you decide where to open accounts. Secondly, not everyone is
: as disciplined as necessary to rebalance regularly and FFNOX does it for
: you.
: Yeah, you are right that some fund of funds charge on top of underlying
: funds, which is not the case here.
p*j
39 楼
I just checked that FFNOX holds these four funds: FBIDX, FSEMX, FUSEX and
FSIIX. All these four funds are on our list as well.
So another option I can do is to buy these four instead of FFNOX, which may
result in lower expense ratio than buying FFNOX. However, then I will have
to do re-balancing myself. Am I right?
FSIIX. All these four funds are on our list as well.
So another option I can do is to buy these four instead of FFNOX, which may
result in lower expense ratio than buying FFNOX. However, then I will have
to do re-balancing myself. Am I right?
p*j
40 楼
I just checked that FFNOX holds these four funds: FBIDX, FSEMX, FUSEX and
FSIIX. All these four funds are on our list as well.
So another option I can do is to buy these four instead of FFNOX, which may
result in lower expense ratio than buying FFNOX. However, then I will have
to do re-balancing myself. Am I right?
FSIIX. All these four funds are on our list as well.
So another option I can do is to buy these four instead of FFNOX, which may
result in lower expense ratio than buying FFNOX. However, then I will have
to do re-balancing myself. Am I right?
s*d
41 楼
the irony is that FFNOX has four parts, each with an expense ratio that is
less than 0.23%!
48.73% FUSEX 0.1%
12.53% FSEMX 0.1%
20.99% FSIIX 0.2%
13.72% FBIDX 0.22%
That means that you can construct your own FFNOX, and it has expense ratio
of only
.4873*.1+.1253*.1+.2099*.2+.1372*0.22 = 0.1334%, 40% less than what FFNOX
charges you!
In other words, fidelity, by lumping these four funds together (something
you can do completely by yourself), secretely adds 72% more fee in expense
ration (0.23 - 0.1334) / 0.1334 = 0.724%.
This is why, fidelity, or any of these fee-based profit-driven investement
companies, even at their supposedly best behavior, tries best to hide its
intentions, which is generate more money from you.
【在 s********y 的大作中提到】
: according to yahoo finance, ffnox Prospectus Gross Expense Ratio: 0.23%
less than 0.23%!
48.73% FUSEX 0.1%
12.53% FSEMX 0.1%
20.99% FSIIX 0.2%
13.72% FBIDX 0.22%
That means that you can construct your own FFNOX, and it has expense ratio
of only
.4873*.1+.1253*.1+.2099*.2+.1372*0.22 = 0.1334%, 40% less than what FFNOX
charges you!
In other words, fidelity, by lumping these four funds together (something
you can do completely by yourself), secretely adds 72% more fee in expense
ration (0.23 - 0.1334) / 0.1334 = 0.724%.
This is why, fidelity, or any of these fee-based profit-driven investement
companies, even at their supposedly best behavior, tries best to hide its
intentions, which is generate more money from you.
【在 s********y 的大作中提到】
: according to yahoo finance, ffnox Prospectus Gross Expense Ratio: 0.23%
c*0
42 楼
Morningstar rating is based on risk-adjusted return.
【在 s********z 的大作中提到】
: morningstar rating is a reflection of the return in the recent past and
: doesn't account for risks. your investment horizon is typically a lot longer
: than morningstar rating system. so, it is like listing all the recent
: lottery winners and say here are the great lottery pickers!
: ffnox is a fund of funds! please educate yourself before asking silly
: questions.
【在 s********z 的大作中提到】
: morningstar rating is a reflection of the return in the recent past and
: doesn't account for risks. your investment horizon is typically a lot longer
: than morningstar rating system. so, it is like listing all the recent
: lottery winners and say here are the great lottery pickers!
: ffnox is a fund of funds! please educate yourself before asking silly
: questions.
s*z
43 楼
yeah, but still, it has no predictive power of the fund's future return.
【在 c**********0 的大作中提到】
: Morningstar rating is based on risk-adjusted return.
【在 c**********0 的大作中提到】
: Morningstar rating is based on risk-adjusted return.
s*z
44 楼
Yes, very good calculations!
However, in reality, these other funds all have $10k minimal, that means
that you will have to have at least $83k to actually be able to mimic the
portfolio. With FFNOX, for IRA, the minimal is $2.5k.
You are right, if these funds are available through 403b or 401k, where
there is no minimal requirement, then it is doable.
【在 s*******d 的大作中提到】
: the irony is that FFNOX has four parts, each with an expense ratio that is
: less than 0.23%!
: 48.73% FUSEX 0.1%
: 12.53% FSEMX 0.1%
: 20.99% FSIIX 0.2%
: 13.72% FBIDX 0.22%
: That means that you can construct your own FFNOX, and it has expense ratio
: of only
: .4873*.1+.1253*.1+.2099*.2+.1372*0.22 = 0.1334%, 40% less than what FFNOX
: charges you!
However, in reality, these other funds all have $10k minimal, that means
that you will have to have at least $83k to actually be able to mimic the
portfolio. With FFNOX, for IRA, the minimal is $2.5k.
You are right, if these funds are available through 403b or 401k, where
there is no minimal requirement, then it is doable.
【在 s*******d 的大作中提到】
: the irony is that FFNOX has four parts, each with an expense ratio that is
: less than 0.23%!
: 48.73% FUSEX 0.1%
: 12.53% FSEMX 0.1%
: 20.99% FSIIX 0.2%
: 13.72% FBIDX 0.22%
: That means that you can construct your own FFNOX, and it has expense ratio
: of only
: .4873*.1+.1253*.1+.2099*.2+.1372*0.22 = 0.1334%, 40% less than what FFNOX
: charges you!
p*j
45 楼
That is great! Your post solved my other concern. I was not sure if there is
a minimal requirement for each fund in 403b. If there is not, I'd better
but those funds individually.
【在 s********z 的大作中提到】
: Yes, very good calculations!
: However, in reality, these other funds all have $10k minimal, that means
: that you will have to have at least $83k to actually be able to mimic the
: portfolio. With FFNOX, for IRA, the minimal is $2.5k.
: You are right, if these funds are available through 403b or 401k, where
: there is no minimal requirement, then it is doable.
a minimal requirement for each fund in 403b. If there is not, I'd better
but those funds individually.
【在 s********z 的大作中提到】
: Yes, very good calculations!
: However, in reality, these other funds all have $10k minimal, that means
: that you will have to have at least $83k to actually be able to mimic the
: portfolio. With FFNOX, for IRA, the minimal is $2.5k.
: You are right, if these funds are available through 403b or 401k, where
: there is no minimal requirement, then it is doable.
c*l
46 楼
Stay away from US index, overweight US high quality large cap. HQ here means
high ROE, strong balance sheet, strong cash flow etc. On the international
side, they are fairly valued or attractively valued, but we are facing a
major risk which could rock the whole world, so underweight Europe.
★ 发自iPhone App: ChineseWeb - 中文网站浏览器
【在 p***j 的大作中提到】
: 研究了半天学校退休账户里面的funds，最后觉得似乎以下几个不错。但是要是都买的
: 话好像太多了，因为每年在这账户里投的钱也不多，所以想这五个funds种选个2，3个
: 就好了。
: 大家能不能帮我看看如何取舍。我有点举棋不定~
: FBIDX
: FRESX
: FFNOX
: FCNTX
: FSEMX
: 多谢多谢！
high ROE, strong balance sheet, strong cash flow etc. On the international
side, they are fairly valued or attractively valued, but we are facing a
major risk which could rock the whole world, so underweight Europe.
★ 发自iPhone App: ChineseWeb - 中文网站浏览器
【在 p***j 的大作中提到】
: 研究了半天学校退休账户里面的funds，最后觉得似乎以下几个不错。但是要是都买的
: 话好像太多了，因为每年在这账户里投的钱也不多，所以想这五个funds种选个2，3个
: 就好了。
: 大家能不能帮我看看如何取舍。我有点举棋不定~
: FBIDX
: FRESX
: FFNOX
: FCNTX
: FSEMX
: 多谢多谢！
n*u
47 楼
50% bond
50% total
is
【在 p***j 的大作中提到】
: That is great! Your post solved my other concern. I was not sure if there is
: a minimal requirement for each fund in 403b. If there is not, I'd better
: but those funds individually.
50% total
is
【在 p***j 的大作中提到】
: That is great! Your post solved my other concern. I was not sure if there is
: a minimal requirement for each fund in 403b. If there is not, I'd better
: but those funds individually.
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