1m的401K,能不能15年内达到2m? 中等风险组合

来源: 花$$$ 于 2017-04-27 07:42:28 [] [旧帖] [给我悄悄话] 本文已被阅读： 次 (83 bytes)
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感觉应该可以、如果避开像是2001、 2008那样的大股灾。

所有跟帖： 

• 保证至少5%的年回报、15年刚好达到。 -花$$$- ♀ 给 花$$$ 发送悄悄话 (0 bytes) () 04/27/2017 postreply 07:50:26

• 避不避开都可以。 -猛牛- ♀ 给 猛牛 发送悄悄话 (107 bytes) () 04/27/2017 postreply 08:09:43

• Yes. Depends on how you invest. -hhtt- ♂ 给 hhtt 发送悄悄话 hhtt 的博客首页 (669 bytes) () 04/27/2017 postreply 08:46:23

• 15年才加倍是非常低风险的报酬，银行定期利息，如果是5%， 15年后连本带利就已经2百万了，根本不许投资股票基金，股票通常 -trimtip- ♂ 给 trimtip 发送悄悄话 (626 bytes) () 04/27/2017 postreply 10:17:03

• What I am doing is ~20% bond fund, 45% big cap fund, 35% mid cap -花$$$- ♀ 给 花$$$ 发送悄悄话 (207 bytes) () 04/27/2017 postreply 10:33:16

• I am waiting for another 2008, but I don't think that I will get -hhtt- ♂ 给 hhtt 发送悄悄话 hhtt 的博客首页 (1216 bytes) () 04/27/2017 postreply 11:57:31

• 请问total stock index fund with 1,000 to 2,000+ stocks in the fund -阿莲- ♀ 给 阿莲 发送悄悄话 阿莲 的博客首页 (42 bytes) () 04/27/2017 postreply 12:03:04

• VTSMX , FSTMX -花$$$- ♀ 给 花$$$ 发送悄悄话 (0 bytes) () 04/27/2017 postreply 12:06:13

• Yes. -hhtt- ♂ 给 hhtt 发送悄悄话 hhtt 的博客首页 (0 bytes) () 04/27/2017 postreply 12:07:21

• 谢谢 -阿莲- ♀ 给 阿莲 发送悄悄话 阿莲 的博客首页 (0 bytes) () 04/27/2017 postreply 12:09:36

• SWTSX -花$$$- ♀ 给 花$$$ 发送悄悄话 (0 bytes) () 04/27/2017 postreply 12:12:48

• Symbol 'VTI' with 3,601 stocks. -hhtt- ♂ 给 hhtt 发送悄悄话 hhtt 的博客首页 (0 bytes) () 04/27/2017 postreply 12:06:58

• 谢谢 -阿莲- ♀ 给 阿莲 发送悄悄话 阿莲 的博客首页 (0 bytes) () 04/27/2017 postreply 12:09:52

• 没有leverage的产品？ -阿莲- ♀ 给 阿莲 发送悄悄话 阿莲 的博客首页 (0 bytes) () 04/27/2017 postreply 12:17:45

• Leverage? 3x S&P500 funds? -hhtt- ♂ 给 hhtt 发送悄悄话 hhtt 的博客首页 (0 bytes) () 04/27/2017 postreply 12:25:57

• What about small cap? -hhtt- ♂ 给 hhtt 发送悄悄话 hhtt 的博客首页 (0 bytes) () 04/27/2017 postreply 12:50:18

• No small cap fund now, used to have 7% -花$$$- ♀ 给 花$$$ 发送悄悄话 (0 bytes) () 04/27/2017 postreply 13:23:55

• I would allocate 15% to small and leave 20% to mid. -hhtt- ♂ 给 hhtt 发送悄悄话 hhtt 的博客首页 (0 bytes) () 04/27/2017 postreply 13:30:08

• Please check your 20% bond fund's duration! -hhtt- ♂ 给 hhtt 发送悄悄话 hhtt 的博客首页 (365 bytes) () 04/27/2017 postreply 13:35:02

• It says 5.49 years duration. FTBFX -花$$$- ♀ 给 花$$$ 发送悄悄话 (0 bytes) () 04/27/2017 postreply 13:56:55

• That is what I thought. Most bond funds in 401(k) are 5 to 6yr d -hhtt- ♂ 给 hhtt 发送悄悄话 hhtt 的博客首页 (247 bytes) () 04/27/2017 postreply 13:59:18

• 你这个应该算低风险。中等风险能有三米，偏高风险可到4米。投资组合是大有用的学问。我不投指数，投增长高于指数的大基金，一抓一大把 -偶行偶素- ♀ 给 偶行偶素 发送悄悄话 偶行偶素 的博客首页 (0 bytes) () 04/27/2017 postreply 21:09:09

• If you don't mind, suggest a couple of them. -hhtt- ♂ 给 hhtt 发送悄悄话 hhtt 的博客首页 (0 bytes) () 04/27/2017 postreply 21:23:36

• 予人鱼，不如授人渔。今天就提供几个链接。我是怎样筛选基金的： -偶行偶素- ♀ 给 偶行偶素 发送悄悄话 偶行偶素 的博客首页 (1632 bytes) () 04/27/2017 postreply 21:38:08

• Thank you. Investment is a very personal thing. -hhtt- ♂ 给 hhtt 发送悄悄话 hhtt 的博客首页 (1280 bytes) () 04/28/2017 postreply 09:29:54

• You are probably right in general sense. Index funds are for -偶行偶素- ♀ 给 偶行偶素 发送悄悄话 偶行偶素 的博客首页 (931 bytes) () 04/28/2017 postreply 11:18:48

• Usually the company 401K does not provide individual sector fund -花$$$- ♀ 给 花$$$ 发送悄悄话 (96 bytes) () 04/28/2017 postreply 11:48:54

• In our retirement plan, we have three tiered options to choose: -偶行偶素- ♀ 给 偶行偶素 发送悄悄话 偶行偶素 的博客首页 (464 bytes) () 04/28/2017 postreply 12:23:53

• We have first two, no third option. Only can choose the better p -花$$$- ♀ 给 花$$$ 发送悄悄话 (0 bytes) () 04/28/2017 postreply 12:42:19

• FID and BARON growth are my major holdings except BOND fund -花$$$- ♀ 给 花$$$ 发送悄悄话 (0 bytes) () 04/28/2017 postreply 12:46:24

• YTD is 9.97% for my whole account -花$$$- ♀ 给 花$$$ 发送悄悄话 (117 bytes) () 04/28/2017 postreply 12:50:13

• You should thank Trump for this 9.97 performance. -hhtt- ♂ 给 hhtt 发送悄悄话 hhtt 的博客首页 (0 bytes) () 04/28/2017 postreply 13:03:07

• You will curse him when he can not deliver his promises -hhtt- ♂ 给 hhtt 发送悄悄话 hhtt 的博客首页 (0 bytes) () 04/28/2017 postreply 13:04:11

• and the market tanks in later half of 2017, -hhtt- ♂ 给 hhtt 发送悄悄话 hhtt 的博客首页 (0 bytes) () 04/28/2017 postreply 13:04:49

• That means you also think the correction is coming soon, right? -花$$$- ♀ 给 花$$$ 发送悄悄话 (371 bytes) () 04/28/2017 postreply 13:12:21

• I don't know. If I do, I will be drinking wine with Trump. -hhtt- ♂ 给 hhtt 发送悄悄话 hhtt 的博客首页 (0 bytes) () 04/28/2017 postreply 13:50:03

• That's pretty good. -偶行偶素- ♀ 给 偶行偶素 发送悄悄话 偶行偶素 的博客首页 (113 bytes) () 04/28/2017 postreply 16:10:53

• If you have ever changed your job previously, you can open -偶行偶素- ♀ 给 偶行偶素 发送悄悄话 偶行偶素 的博客首页 (325 bytes) () 04/28/2017 postreply 16:05:58

• Totally agree. Specially about the last comment. -hhtt- ♂ 给 hhtt 发送悄悄话 hhtt 的博客首页 (0 bytes) () 04/28/2017 postreply 12:13:48

• High five! -偶行偶素- ♀ 给 偶行偶素 发送悄悄话 偶行偶素 的博客首页 (0 bytes) () 04/28/2017 postreply 12:32:19

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