l*z
2 楼
现在有几家公司可选: LINCOLN,fidelity,ING,AXA,每家公司都是厚厚一叠资料...对投资不是很懂,想选个风险性小点，长
期表现好的FUND,不知道大家有没有推荐?这么多公司,看都看晕了,看大家对FIDELITY说得多，是不是这家公司比较好点?
期表现好的FUND,不知道大家有没有推荐?这么多公司,看都看晕了,看大家对FIDELITY说得多，是不是这家公司比较好点?
w*o
3 楼
亲爱的,
请遵守我们的约定,
一同走过崎岖泥泞,
从此与你相知相伴,
两颗心便如影随行.
亲爱的,
我的心一如从前,
我的爱丝毫未减,
我的情深藏心间,
说不尽对你的思念.
亲爱的,
想到要与你相见,
我竟然彻夜未眠,
让我们拥有彼此,
一遍遍在我心中默念,
亲爱的,
我心中有如一头小鹿，
害怕初次见面的唐突，
是握手还是拥抱？
还是默默地跟随你的脚步？
请遵守我们的约定,
一同走过崎岖泥泞,
从此与你相知相伴,
两颗心便如影随行.
亲爱的,
我的心一如从前,
我的爱丝毫未减,
我的情深藏心间,
说不尽对你的思念.
亲爱的,
想到要与你相见,
我竟然彻夜未眠,
让我们拥有彼此,
一遍遍在我心中默念,
亲爱的,
我心中有如一头小鹿，
害怕初次见面的唐突，
是握手还是拥抱？
还是默默地跟随你的脚步？
l*r
4 楼
补一个
【在 s***g 的大作中提到】
: rt
【在 s***g 的大作中提到】
: rt
m*u
5 楼
When I was new to mutual fund/stock market, I looked at the funds which had
good performances (the 1 year,
5 years, 10 years etc.)
But as I learn more about mutual fund and investing, I think index fund is
the way to go for passive investors.
Because it's very hard to beat the market (benchmark) in long term.
Legendary fund managers like Bill Miller
beat S&P for 13 years, and then he did badly in 2007 and 2008.
Since most funds can not beat market, I think expense ratio is one factor
you can loo
【在 l****z 的大作中提到】
: 现在有几家公司可选: LINCOLN,fidelity,ING,AXA,每家公司都是厚厚一叠资料...对投资不是很懂,想选个风险性小点，长
: 期表现好的FUND,不知道大家有没有推荐?这么多公司,看都看晕了,看大家对FIDELITY说得多，是不是这家公司比较好点?
good performances (the 1 year,
5 years, 10 years etc.)
But as I learn more about mutual fund and investing, I think index fund is
the way to go for passive investors.
Because it's very hard to beat the market (benchmark) in long term.
Legendary fund managers like Bill Miller
beat S&P for 13 years, and then he did badly in 2007 and 2008.
Since most funds can not beat market, I think expense ratio is one factor
you can loo
【在 l****z 的大作中提到】
: 现在有几家公司可选: LINCOLN,fidelity,ING,AXA,每家公司都是厚厚一叠资料...对投资不是很懂,想选个风险性小点，长
: 期表现好的FUND,不知道大家有没有推荐?这么多公司,看都看晕了,看大家对FIDELITY说得多，是不是这家公司比较好点?
L*o
6 楼
赞，可作情歌歌词。
【在 w**********o 的大作中提到】
: 亲爱的,
: 请遵守我们的约定,
: 一同走过崎岖泥泞,
: 从此与你相知相伴,
: 两颗心便如影随行.
: 亲爱的,
: 我的心一如从前,
: 我的爱丝毫未减,
: 我的情深藏心间,
: 说不尽对你的思念.
【在 w**********o 的大作中提到】
: 亲爱的,
: 请遵守我们的约定,
: 一同走过崎岖泥泞,
: 从此与你相知相伴,
: 两颗心便如影随行.
: 亲爱的,
: 我的心一如从前,
: 我的爱丝毫未减,
: 我的情深藏心间,
: 说不尽对你的思念.
s*g
7 楼
具体怎么操作的，有经验吗？
【在 l*******r 的大作中提到】
: 补一个
【在 l*******r 的大作中提到】
: 补一个
l*z
8 楼
谢谢,不知为什么我今天才能看到你的回复.你的意思是指数基金更好,我知道中国股市有
ETF,比如50ETF,据说是选取相对比较好的50只股票组成样本股.那么美
股相应也应该有这样的基金吧,比如?
had
【在 m*****u 的大作中提到】
: When I was new to mutual fund/stock market, I looked at the funds which had
: good performances (the 1 year,
: 5 years, 10 years etc.)
: But as I learn more about mutual fund and investing, I think index fund is
: the way to go for passive investors.
: Because it's very hard to beat the market (benchmark) in long term.
: Legendary fund managers like Bill Miller
: beat S&P for 13 years, and then he did badly in 2007 and 2008.
: Since most funds can not beat market, I think expense ratio is one factor
: you can loo
ETF,比如50ETF,据说是选取相对比较好的50只股票组成样本股.那么美
股相应也应该有这样的基金吧,比如?
had
【在 m*****u 的大作中提到】
: When I was new to mutual fund/stock market, I looked at the funds which had
: good performances (the 1 year,
: 5 years, 10 years etc.)
: But as I learn more about mutual fund and investing, I think index fund is
: the way to go for passive investors.
: Because it's very hard to beat the market (benchmark) in long term.
: Legendary fund managers like Bill Miller
: beat S&P for 13 years, and then he did badly in 2007 and 2008.
: Since most funds can not beat market, I think expense ratio is one factor
: you can loo
s*t
9 楼
赞，情意绵绵，加一个积分
【在 w**********o 的大作中提到】
: 亲爱的,
: 请遵守我们的约定,
: 一同走过崎岖泥泞,
: 从此与你相知相伴,
: 两颗心便如影随行.
: 亲爱的,
: 我的心一如从前,
: 我的爱丝毫未减,
: 我的情深藏心间,
: 说不尽对你的思念.
【在 w**********o 的大作中提到】
: 亲爱的,
: 请遵守我们的约定,
: 一同走过崎岖泥泞,
: 从此与你相知相伴,
: 两颗心便如影随行.
: 亲爱的,
: 我的心一如从前,
: 我的爱丝毫未减,
: 我的情深藏心间,
: 说不尽对你的思念.
l*r
10 楼
去派出所，签一份身份证丢失的声明，就能补办新的了。
【在 s***g 的大作中提到】
: 具体怎么操作的，有经验吗？
【在 s***g 的大作中提到】
: 具体怎么操作的，有经验吗？
m*u
11 楼
ETF is different from mutual fund. I believe ETF has higher expense (usually
at investor's cost).
There are a lot of index funds, the most common one is S&P 500, most big
mutual fund companies (Fidelity, Vanguard etc.) should have such a fund.
市有
【在 l****z 的大作中提到】
: 谢谢,不知为什么我今天才能看到你的回复.你的意思是指数基金更好,我知道中国股市有
: ETF,比如50ETF,据说是选取相对比较好的50只股票组成样本股.那么美
: 股相应也应该有这样的基金吧,比如?
:
: had
at investor's cost).
There are a lot of index funds, the most common one is S&P 500, most big
mutual fund companies (Fidelity, Vanguard etc.) should have such a fund.
市有
【在 l****z 的大作中提到】
: 谢谢,不知为什么我今天才能看到你的回复.你的意思是指数基金更好,我知道中国股市有
: ETF,比如50ETF,据说是选取相对比较好的50只股票组成样本股.那么美
: 股相应也应该有这样的基金吧,比如?
:
: had
i*s
12 楼
赞！
s*g
13 楼
多谢
【在 l*******r 的大作中提到】
: 去派出所，签一份身份证丢失的声明，就能补办新的了。
【在 l*******r 的大作中提到】
: 去派出所，签一份身份证丢失的声明，就能补办新的了。
s*n
14 楼
I think ETFs usually have lower exp. ratio.
usually
【在 m*****u 的大作中提到】
: ETF is different from mutual fund. I believe ETF has higher expense (usually
: at investor's cost).
: There are a lot of index funds, the most common one is S&P 500, most big
: mutual fund companies (Fidelity, Vanguard etc.) should have such a fund.
:
: 市有
usually
【在 m*****u 的大作中提到】
: ETF is different from mutual fund. I believe ETF has higher expense (usually
: at investor's cost).
: There are a lot of index funds, the most common one is S&P 500, most big
: mutual fund companies (Fidelity, Vanguard etc.) should have such a fund.
:
: 市有
c*x
15 楼
Choose fidelity and avoid others at all cost.
In fidelity, look at funds starting with "Spartan", FSTMX, FSIIX, FIBIX, ...
, and make sure you have enough bond funds in your allocation so that you
won't panic and sell if the stock funds lose money (be prepared for losing
half of it)
投资不是很懂,想选个风险性小点，长
说得多，是不是这家公司比较好点?
【在 l****z 的大作中提到】
: 现在有几家公司可选: LINCOLN,fidelity,ING,AXA,每家公司都是厚厚一叠资料...对投资不是很懂,想选个风险性小点，长
: 期表现好的FUND,不知道大家有没有推荐?这么多公司,看都看晕了,看大家对FIDELITY说得多，是不是这家公司比较好点?
In fidelity, look at funds starting with "Spartan", FSTMX, FSIIX, FIBIX, ...
, and make sure you have enough bond funds in your allocation so that you
won't panic and sell if the stock funds lose money (be prepared for losing
half of it)
投资不是很懂,想选个风险性小点，长
说得多，是不是这家公司比较好点?
【在 l****z 的大作中提到】
: 现在有几家公司可选: LINCOLN,fidelity,ING,AXA,每家公司都是厚厚一叠资料...对投资不是很懂,想选个风险性小点，长
: 期表现好的FUND,不知道大家有没有推荐?这么多公司,看都看晕了,看大家对FIDELITY说得多，是不是这家公司比较好点?
l*z
16 楼
Thank you.
..
【在 c*****x 的大作中提到】
: Choose fidelity and avoid others at all cost.
: In fidelity, look at funds starting with "Spartan", FSTMX, FSIIX, FIBIX, ...
: , and make sure you have enough bond funds in your allocation so that you
: won't panic and sell if the stock funds lose money (be prepared for losing
: half of it)
:
: 投资不是很懂,想选个风险性小点，长
: 说得多，是不是这家公司比较好点?
..
【在 c*****x 的大作中提到】
: Choose fidelity and avoid others at all cost.
: In fidelity, look at funds starting with "Spartan", FSTMX, FSIIX, FIBIX, ...
: , and make sure you have enough bond funds in your allocation so that you
: won't panic and sell if the stock funds lose money (be prepared for losing
: half of it)
:
: 投资不是很懂,想选个风险性小点，长
: 说得多，是不是这家公司比较好点?
J*S
17 楼
能解释一下，funds starting with "Spartan", FTSMX, FSIIX, FIBIX, ...有什么优
势吗？为什么推荐选这类？
..
【在 c*****x 的大作中提到】
: Choose fidelity and avoid others at all cost.
: In fidelity, look at funds starting with "Spartan", FSTMX, FSIIX, FIBIX, ...
: , and make sure you have enough bond funds in your allocation so that you
: won't panic and sell if the stock funds lose money (be prepared for losing
: half of it)
:
: 投资不是很懂,想选个风险性小点，长
: 说得多，是不是这家公司比较好点?
势吗？为什么推荐选这类？
..
【在 c*****x 的大作中提到】
: Choose fidelity and avoid others at all cost.
: In fidelity, look at funds starting with "Spartan", FSTMX, FSIIX, FIBIX, ...
: , and make sure you have enough bond funds in your allocation so that you
: won't panic and sell if the stock funds lose money (be prepared for losing
: half of it)
:
: 投资不是很懂,想选个风险性小点，长
: 说得多，是不是这家公司比较好点?
J*S
18 楼
我看了，有的最少balance要求10W，最少的也要求1W.
如果基金缩水，少于最少要求的BALANCE怎么办？
是不是自动卖掉了，有没有费用？
谢谢/
..
【在 c*****x 的大作中提到】
: Choose fidelity and avoid others at all cost.
: In fidelity, look at funds starting with "Spartan", FSTMX, FSIIX, FIBIX, ...
: , and make sure you have enough bond funds in your allocation so that you
: won't panic and sell if the stock funds lose money (be prepared for losing
: half of it)
:
: 投资不是很懂,想选个风险性小点，长
: 说得多，是不是这家公司比较好点?
如果基金缩水，少于最少要求的BALANCE怎么办？
是不是自动卖掉了，有没有费用？
谢谢/
..
【在 c*****x 的大作中提到】
: Choose fidelity and avoid others at all cost.
: In fidelity, look at funds starting with "Spartan", FSTMX, FSIIX, FIBIX, ...
: , and make sure you have enough bond funds in your allocation so that you
: won't panic and sell if the stock funds lose money (be prepared for losing
: half of it)
:
: 投资不是很懂,想选个风险性小点，长
: 说得多，是不是这家公司比较好点?
c*x
19 楼
Should be FSTMX, not FTSMX
Because they are low cost index funds.
【在 J**S 的大作中提到】
: 能解释一下，funds starting with "Spartan", FTSMX, FSIIX, FIBIX, ...有什么优
: 势吗？为什么推荐选这类？
:
: ..
Because they are low cost index funds.
【在 J**S 的大作中提到】
: 能解释一下，funds starting with "Spartan", FTSMX, FSIIX, FIBIX, ...有什么优
: 势吗？为什么推荐选这类？
:
: ..
c*x
20 楼
In 401k, both minimum balance and initial purchase minimum requirements are
waived if your employer is large enough (>50 employees) or has more than $1,
000,000 in plan assets.
【在 J**S 的大作中提到】
: 我看了，有的最少balance要求10W，最少的也要求1W.
: 如果基金缩水，少于最少要求的BALANCE怎么办？
: 是不是自动卖掉了，有没有费用？
: 谢谢/
:
: ..
waived if your employer is large enough (>50 employees) or has more than $1,
000,000 in plan assets.
【在 J**S 的大作中提到】
: 我看了，有的最少balance要求10W，最少的也要求1W.
: 如果基金缩水，少于最少要求的BALANCE怎么办？
: 是不是自动卖掉了，有没有费用？
: 谢谢/
:
: ..
J*S
21 楼
谢谢，我明白不少。 可我的是ROTH IRA。
如果是这样的话，基金缩水，低于最低线，会怎么样呢？
are
1,
【在 c*****x 的大作中提到】
: In 401k, both minimum balance and initial purchase minimum requirements are
: waived if your employer is large enough (>50 employees) or has more than $1,
: 000,000 in plan assets.
如果是这样的话，基金缩水，低于最低线，会怎么样呢？
are
1,
【在 c*****x 的大作中提到】
: In 401k, both minimum balance and initial purchase minimum requirements are
: waived if your employer is large enough (>50 employees) or has more than $1,
: 000,000 in plan assets.
c*x
22 楼
In that case, the fund charges an annual index fund fee of $10.00 per fund
position if your fund balance falls below $10,000 at the time of the
December distribution.
Why not transfer the ROTH IRA to Vanguard? You pay 50$ transfer out fee, but
will have more choices of index funds and much lower minimum requirements.
【在 J**S 的大作中提到】
: 谢谢，我明白不少。 可我的是ROTH IRA。
: 如果是这样的话，基金缩水，低于最低线，会怎么样呢？
:
: are
: 1,
position if your fund balance falls below $10,000 at the time of the
December distribution.
Why not transfer the ROTH IRA to Vanguard? You pay 50$ transfer out fee, but
will have more choices of index funds and much lower minimum requirements.
【在 J**S 的大作中提到】
: 谢谢，我明白不少。 可我的是ROTH IRA。
: 如果是这样的话，基金缩水，低于最低线，会怎么样呢？
:
: are
: 1,
s*v
23 楼
fidelity有些很tricky的， small balance 要收费， 当然如果你钱多怎么都掉不下来
也没所谓了，
如果你只够买开户的（一般2500）， 表现不好的随便掉一下就500没了， 那你还会被
charge 额外的费用。 只要你看清楚就行，否则总是觉得不爽
..
【在 c*****x 的大作中提到】
: Choose fidelity and avoid others at all cost.
: In fidelity, look at funds starting with "Spartan", FSTMX, FSIIX, FIBIX, ...
: , and make sure you have enough bond funds in your allocation so that you
: won't panic and sell if the stock funds lose money (be prepared for losing
: half of it)
:
: 投资不是很懂,想选个风险性小点，长
: 说得多，是不是这家公司比较好点?
也没所谓了，
如果你只够买开户的（一般2500）， 表现不好的随便掉一下就500没了， 那你还会被
charge 额外的费用。 只要你看清楚就行，否则总是觉得不爽
..
【在 c*****x 的大作中提到】
: Choose fidelity and avoid others at all cost.
: In fidelity, look at funds starting with "Spartan", FSTMX, FSIIX, FIBIX, ...
: , and make sure you have enough bond funds in your allocation so that you
: won't panic and sell if the stock funds lose money (be prepared for losing
: half of it)
:
: 投资不是很懂,想选个风险性小点，长
: 说得多，是不是这家公司比较好点?
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