为什么不要把你的大部分投资投在一个股票上?

来源: 2017-11-05 12:29:48 [] [博客] [旧帖] [给我悄悄话] 本文已被阅读: 次 (1904 bytes)
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401(k), 403(b), 457(b) etc have become a very widely used saving and investment vehicles for most of Americans with its tax-qualified and company matching features.  In these plans, there are wide selection of mutual funds, ETFs, and company stocks for us to choose.  

I would suggest to people to choose index mutual funds since the risk is lower than the sector specific mutual funds and a lot lower then the individual stock.  If you want to own some of your company's stock, the rule of thumb is not to exceed the 4% of your total investment in your 401(k).  

There are a lot of downside of owning a large chunk of your own company's stock in your 401(k).  It is one direction investment which is all depened on how your company is doing.  If your company is doing well, your employment is more secure, your compensation is going up, you get more bonus and your company stock is up.  The opposite of this is that everything is going south.  To managing your risk, you should never own more than 4% of your company stock!

There was a story about a 60 plus year old custodian who worked for Enron Co. for many years.  Enron at one point was the 7th largest company in US during the 90's.  This gentleman had a 401(k) worth north of $2M which was all in Enron stock, of which he was not allowed to sell them.  Enron went bankrupt in October 2001 which also caused the dissolution of Arthur Andersen, one of five largest accounting firms.  The Enron bankruptcy wiped out this genleman's portfolio.  For a 60-year-old person, it is very, very hard for him to recover from that kind of loss. 

Since then, most companies' 401(k) plans allow the selling of the company stocks which were prohibited during the 90's in most of companies' 401(k).

所有跟帖: 

-gege123- 给 gege123 发送悄悄话 gege123 的个人群组 (0 bytes) () 11/05/2017 postreply 13:22:11

格格吉祥! -hhtt- 给 hhtt 发送悄悄话 hhtt 的博客首页 hhtt 的个人群组 (0 bytes) () 11/06/2017 postreply 09:14:20

也没人敢啊? -老朽- 给 老朽 发送悄悄话 老朽 的博客首页 老朽 的个人群组 (0 bytes) () 11/05/2017 postreply 17:56:45

You will be surprised that there are plenty of people doing that -hhtt- 给 hhtt 发送悄悄话 hhtt 的博客首页 hhtt 的个人群组 (0 bytes) () 11/05/2017 postreply 18:11:49

俺的401K都只能从package里面选,不能单挑股票、etf、mutual fund啊。。。 -蔡家38号- 给 蔡家38号 发送悄悄话 蔡家38号 的个人群组 (0 bytes) () 11/05/2017 postreply 20:19:58

真正赚大钱的都是concentrated position -股市老鼠- 给 股市老鼠 发送悄悄话 股市老鼠 的个人群组 (56 bytes) () 11/05/2017 postreply 22:14:26

真正赚大钱的总是少数,绝大多数人对投资的理解必然是相对平庸的。大多数人理解不了集中投资的概念,原理和意义。 -股市小书生- 给 股市小书生 发送悄悄话 股市小书生 的博客首页 股市小书生 的个人群组 (0 bytes) () 11/05/2017 postreply 23:47:21

在股市上,你是在储蓄还是在投资的区别就在这里,99%的人不适合投资股市。 -Sunflower28- 给 Sunflower28 发送悄悄话 Sunflower28 的博客首页 Sunflower28 的个人群组 (235 bytes) () 11/06/2017 postreply 05:29:41

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