s*m
2 楼
vanguard
M*u
3 楼
谢谢！
vanguard有交易限制吗？好像退休账户只能买基金啥的？不能买单只的公司的股票？做
reallocation的时候没有地方可以选公司股票啊？
像下面的这种买入卖出限制：
Message:
Hello MR. ZHANG:
You are very welcome!
Thank you for your follow-up email inquiry and for clarifying your inquiry.
I regret that I did not provide this information in my previous response.
Yes, you are correct, there are limitations on transfers within all of your
retirement plans. The CREF Board of Trustees has adopted policies and
procedures to discourage market timing activity. Under these policies and
procedures, if, within a 60-calendar day period, a participant redeems or
exchanges any monies out of an Account, subsequently purchases or exchanges
any monies back into that same Account and then redeems or exchanges any
monies out of that same Account, the participant will not be permitted to
make electronic transfers (i.e., transfers over the Internet, by telephone
or by fax) back into that same Account through a purchase or exchange for 90
calendar days.
The Accounts’ market timing policies and procedures will not be applied to
the Money Market Account or to certain types of transactions like systematic
withdrawals, systematic purchases, automatic rebalancing.
Transfers from the TIAA Real Estate Account to an Account are limited to
once every calendar quarter.
To help illustrate our policy on the restrictions on transfers in the CREF
Accounts (excluding the CREF Money Market Account), I have provided an
example below:
Buy/Sell/Buy Triggering Event for Trade Restrictions
Example: Our client makes the following trades:
o 11/15 Transfer from CREF Equity Index into CREF Global Equities
o 11/19 Transfer from CREF Global to CREF Equity Index
o 11/30 Transfer from CREF Equity Index to CREF Global
The 11/30 transfer is a second transfer OUT for CREF Equity Index. The trade
would be affected, but the client would be restricted from trading into
CREF Equity Index electronically across all contracts for 90 days from the
date that TIAA CREF receives notification from the fund company of the
restriction.
Intermediary Frequent Trading Policy
The TIAA-CREF Mutual funds within our retirement plans have an Intermediate
Frequent Trading policy that recently went into effect. The Intermediate
Frequent Trading Policy states that if you transfer out of a mutual fund(s)
within your retirement accounts within 30 days, you will not be able to move
back to that same fund(s) within 30 calendar days.
The Market Timing/Excessive Trading Policy can be viewed in its entirety by
logging into our website at www.tiaa-cref.org and scrolling to the bottom of
the page and selecting Prospectuses. Then select CREF Accounts –
Prospectus, then scroll to page 72 of the Prospectus.
【在 s***m 的大作中提到】
: vanguard
vanguard有交易限制吗？好像退休账户只能买基金啥的？不能买单只的公司的股票？做
reallocation的时候没有地方可以选公司股票啊？
像下面的这种买入卖出限制：
Message:
Hello MR. ZHANG:
You are very welcome!
Thank you for your follow-up email inquiry and for clarifying your inquiry.
I regret that I did not provide this information in my previous response.
Yes, you are correct, there are limitations on transfers within all of your
retirement plans. The CREF Board of Trustees has adopted policies and
procedures to discourage market timing activity. Under these policies and
procedures, if, within a 60-calendar day period, a participant redeems or
exchanges any monies out of an Account, subsequently purchases or exchanges
any monies back into that same Account and then redeems or exchanges any
monies out of that same Account, the participant will not be permitted to
make electronic transfers (i.e., transfers over the Internet, by telephone
or by fax) back into that same Account through a purchase or exchange for 90
calendar days.
The Accounts’ market timing policies and procedures will not be applied to
the Money Market Account or to certain types of transactions like systematic
withdrawals, systematic purchases, automatic rebalancing.
Transfers from the TIAA Real Estate Account to an Account are limited to
once every calendar quarter.
To help illustrate our policy on the restrictions on transfers in the CREF
Accounts (excluding the CREF Money Market Account), I have provided an
example below:
Buy/Sell/Buy Triggering Event for Trade Restrictions
Example: Our client makes the following trades:
o 11/15 Transfer from CREF Equity Index into CREF Global Equities
o 11/19 Transfer from CREF Global to CREF Equity Index
o 11/30 Transfer from CREF Equity Index to CREF Global
The 11/30 transfer is a second transfer OUT for CREF Equity Index. The trade
would be affected, but the client would be restricted from trading into
CREF Equity Index electronically across all contracts for 90 days from the
date that TIAA CREF receives notification from the fund company of the
restriction.
Intermediary Frequent Trading Policy
The TIAA-CREF Mutual funds within our retirement plans have an Intermediate
Frequent Trading policy that recently went into effect. The Intermediate
Frequent Trading Policy states that if you transfer out of a mutual fund(s)
within your retirement accounts within 30 days, you will not be able to move
back to that same fund(s) within 30 calendar days.
The Market Timing/Excessive Trading Policy can be viewed in its entirety by
logging into our website at www.tiaa-cref.org and scrolling to the bottom of
the page and selecting Prospectuses. Then select CREF Accounts –
Prospectus, then scroll to page 72 of the Prospectus.
【在 s***m 的大作中提到】
: vanguard
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