想请教用ING RETIREMENT(VOYA)退休计划的朋友，不知该怎么样选择？ - 未名空间MITBBS历史存档

想请教用ING RETIREMENT(VOYA)退休计划的朋友，不知该怎么样选择？# Stock

d*82015-03-16 07:03

1 楼

现在计划里的退休金41%是固定放到Voya Fixed Plus Account II，另外放到了Voya
Global Bond Portfolio - Initial Class, Voya Intermediate Bond Portfolio -
Class I, 刚才一检查从年初损失不少。不知道大家有什么建议？不想冒风险，希望能
稳定获利，比存银行利息高就满意.

o*k2015-03-16 07:03

2 楼

最简单的办法，就是买sp指数的基金
一直买下去，吃红利，不动
你可以假设是2000年9月1号买入，或者2007年10月买入，接下来两年股市就砸到了低
点。
spy还会回来的。
sp的回报应该比银行什么的都高。现在有一些fund，有固定每年3%的回报，这个也比
不上sp

d*82015-03-16 07:03

3 楼

非常感谢onceaweek的回答，但我还是不知道怎么选？不知道那个与指数最密切，附上
VOYA可选
的投资：
006 Voya Long-Term Guaranteed Accumulation Account
003 Voya Money Market Portfolio - Class I
005 Guaranteed Accumulation Account (GAA)
Bonds
1001 American Century Investments® Inflation-Adjusted Bond Fund -
Investor Class
1003 American Funds The Bond Fund of AmericaSM - Class R-4
7576 Metropolitan West Total Return Bond Fund - Class M Shares
6571 Nuveen U.S. Infrastructure Income Fund - Class I
833 PIMCO VIT Real Return Portfolio - Administrative Class
834 Pioneer High Yield VCT Portfolio - Class I Shares
178 Templeton Global Bond Fund - Class A
439 Voya Aggregate Bond Portfolio - Service Class
422 Voya Global Bond Portfolio - Initial Class
787 Voya High Yield Portfolio - Service Class
004 Voya Intermediate Bond Portfolio - Class I
1554 Voya U.S. Bond Index Portfolio - Class I
1220 VY® Pioneer High Yield Portfolio - Initial Class
Asset Allocation
747 Voya Solution 2015 Portfolio - Service Class
759 Voya Solution 2025 Portfolio - Service Class
762 Voya Solution 2035 Portfolio - Service Class
765 Voya Solution 2045 Portfolio - Service Class
1167 Voya Solution 2055 Portfolio - Service Class
1602 Voya Solution Balanced Portfolio - Service Class
768 Voya Solution Income Portfolio - Service Class
1601 Voya Solution Moderately Conservative Portfolio - Service Class
033 Voya Strategic Allocation Conservative Portfolio - Class I
031 Voya Strategic Allocation Growth Portfolio - Class I
032 Voya Strategic Allocation Moderate Portfolio - Class I
Balanced
101 Calvert VP SRI Balanced Portfolio
193 Pax World Balanced Fund - Individual Investor Class
008 Voya Balanced Portfolio - Class I
452 VY® Invesco Equity and Income Portfolio - Initial Class
788 VY® T. Rowe Price Capital Appreciation Portfolio - Service
Class
Large Cap Value
1595 Amana Income Fund - Investor Class
1208 American Funds Fundamental InvestorsSM - Class R-4
819 American Funds Washington Mutual Investors FundSM - Class R-4
1377 Columbia Diversified Equity Income Fund - Class K
108 Fidelity® VIP Equity-Income Portfolio - Initial Class
79 Invesco V.I. Core Equity Fund - Series I Shares
Voya Growth and Income Portfolio - Class I
035 Voya Index Plus LargeCap Portfolio - Class I
1213 Voya Large Cap Value Portfolio - Institutional Class
772 Voya Multi-Manager Large Cap Core Port - Institutional Class
1557 Voya RussellTM Large Cap Index Portfolio - Class I
2711 Voya Russell? Large Cap Value Index Portfolio - Class S
264 VY® Columbia Contrarian Core Portfolio - Service Class
437 VY® Invesco Comstock Portfolio - Service Class
789 VY® Invesco Growth and Income Portfolio - Service Class
617 VY® T. Rowe Price Equity Income Portfolio - Service Class

Large Cap Growth
1584 Alger Green Fund - Class A
1612 Amana Growth Fund - Investor Class
572 American Funds The Growth Fund of America® - Class R-4
133 Fidelity® VIP Contrafund® Portfolio - Initial Class
109 Fidelity VIP Growth Portfolio - Initial Class
3384 Invesco V.I. American Franchise Fund - Series I Shares
1120 Neuberger Berman Socially Responsive Fund - Trust Class
742 Voya Large Cap Growth Portfolio - Institutional Class
2713 Voya Russell? Large Cap Growth Index Portfolio - Class I
111 VY® T. Rowe Price Growth Equity Portfolio - Initial Class
Small/Mid/Specialty
187 Ariel Fund - Investor Class
7007 ASTON/Fairpointe Mid Cap Fund - Class N
7280 BlackRock Mid Cap Value Opportunities Fund - Investor A Shares
1172 Cohen & Steers Realty Shares
1008 Columbia Mid Cap Value Fund - Class A Shares
2495 Delaware Small Cap Value Fund - Class A
073 Franklin Small Cap Value VIP Fund - Class 2
290 Invesco Mid Cap Core Equity Fund - Class A
1315 Lazard U.S. Mid Cap Equity Portfolio - Open Shares
1117 Loomis Sayles Small Cap Value Fund - Retail Class
075 Lord Abbett Series Fund - Mid Cap Stock Portfolio - Class VC
832 Oppenheimer Main Street Small Cap Fund/VA®
2656 USAA Precious Metals and Minerals Fund - Adviser Shares
053 Voya Index Plus MidCap Portfolio - Class I
052 Voya Index Plus SmallCap Portfolio - Class I
081 Voya MidCap Opportunities Portfolio - Class I
2718 Voya Russell? Mid Cap Growth Index Portfolio - Class S
1560 Voya RussellTM Mid Cap Index Portfolio - Class I
1563 Voya RussellTM Small Cap Index Portfolio - Class I
042 Voya Small Company Portfolio - Class I
080 Voya SmallCap Opportunities Portfolio - Class I
440 VY® American Century Small-Mid Cap Value Portfolio - Service
Class
436 VY® Baron Growth Portfolio - Service Class
1613 VY® Clarion Global Real Estate Portfolio - Institutional Class

1019 VY® Clarion Real Estate Portfolio - Service Class
1218 VY® Columbia Small Cap Value II Portfolio - Service Class

778 VY® FMR Diversified Mid Cap Portfolio - Service Class
435 VY® JPMorgan Mid Cap Value Portfolio - Service Class
752 VY® JPMorgan Small Cap Core Equity Portfolio - Service Class
449 VY® T. Rowe Price Diversified Mid Cap Growth Portfolio -
Initial Class
820 Wanger Select
821 Wanger USA
191 Wells Fargo Advantage Special Small Cap Value Fund - Class A
Global / International
573 American Funds EuroPacific Growth Fund® - Class R-4
818 American Funds New Perspective Fund® - Class R-4
1445 American Funds SMALLCAP World Fund® - Class R-4
1252 Artisan International Fund - Investor Shares
107 Fidelity® VIP Overseas Portfolio - Initial Class
190 Oppenheimer Developing Markets Fund - Class A
1331 Pioneer Emerging Markets VCT Portfolio - Class I
3911 Voya Global Perspectives Portfolio - Class I
3056 Voya Global Value Advantage Portfolio - Class I
1551 Voya International Index Portfolio - Class I
779 VY® JPMorgan Emerging Markets Equity Portfolio - Service Class

432 VY® Oppenheimer Global Portfolio - Initial Class
770 VY® T. Rowe Price International Stock Portfolio - Service Class

1586 VY® Templeton Foreign Equity Portfolio - Initial Class
1232 VY® Templeton Global Growth Portfolio - Service Class
1348 Wanger International

【在 o*******k 的大作中提到】

: 最简单的办法，就是买sp指数的基金
: 一直买下去，吃红利，不动
: 你可以假设是2000年9月1号买入，或者2007年10月买入，接下来两年股市就砸到了低
: 点。
: spy还会回来的。
: sp的回报应该比银行什么的都高。现在有一些fund，有固定每年3%的回报，这个也比
: 不上sp