来美国已经超过5年了.马上就要用学生实习身份工作一年.请问我还有资格免SSN 或者 medical tax么?还是必须象美国人一样交税.谢谢! 另外关于W-4 total number of allowances you are claiming,我们家三口人,我,宝爸 还有宝宝,应该填2还是3呢?非常迷惑.谢谢指教!
【在 h*****3 的大作中提到】 : 来美国已经超过5年了.马上就要用学生实习身份工作一年.请问我还有资格免SSN 或者 : medical tax么?还是必须象美国人一样交税.谢谢! : 另外关于W-4 total number of allowances you are claiming,我们家三口人,我,宝爸 : 还有宝宝,应该填2还是3呢?非常迷惑.谢谢指教!
index funds/etf ! how can it get out early in downturn and beat its own benchmark?
【在 g*****g 的大作中提到】 : To beat the benchmark, it's not about beat it in up trend, : but participate in up trend, and get out early in down trend.
f*d
25 楼
这个问题问得好,LOL.
【在 t*m 的大作中提到】 : index funds/etf ! : how can it get out early in downturn and beat its own benchmark?
g*g
26 楼
Technical analysis works in that area. But most people on this board don't believe that. They trust MF managers though at least 80% of them can't beat the market, never mind the fee. You choose what you believe and live with the result. There's no holy grail in investment.
【在 t*m 的大作中提到】 : index funds/etf ! : how can it get out early in downturn and beat its own benchmark?
t*g
27 楼
hehe,good point. 最近做了个简单的hypothetical model,假设每年投资10K到SPY。 如果每年Jan 1st,买入,buy and hold,从2002 Jan 1到2010 Dec 31,10年年平均回 报大约是2%。如果每年运气急差,都在当年的最高点买入,大约是1.2%,如果每年运气 极好,都在当年的最低点买入,大约是4%不到。 但是,如果如果02年和08年两次大跌,如果能在大盘drop 20%的时候止损,大盘从低点 上升20%以后重新买入,年平均回报是11%。 当然了,巴菲特也有名言曰: 所有的参加舞会的人都想在午夜12的钟声之前离开,但是 发现大厅里根本没有钟。 呵呵。
【在 g*****g 的大作中提到】 : Technical analysis works in that area. But most people on this board : don't believe that. They trust MF managers though at least 80% of them : can't beat the market, never mind the fee. : You choose what you believe and live with the result. There's no : holy grail in investment.
g*g
28 楼
The biggest advantage for a retailer investor over a fund is flexibility. You can buy and sell any time with the entire portofolio without causing significant move in the market. If you are a buy&holder, you give up that edge.
【在 g*****g 的大作中提到】 : The biggest advantage for a retailer investor over a fund is flexibility. : You can buy and sell any time with the entire portofolio without causing : significant move in the market. : If you are a buy&holder, you give up that edge.
t*g
30 楼
你这么说搞得好像MF manager做交易不用花钱一样。 you pay commission or you pay fund turn over expense, same thing.
【在 a*****n 的大作中提到】 : : but u don't hv to pay fee to them