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

10年的每年的年平均是7-8%，遇到股灾，跌20-50%， 但开始反弹是，也可以达到30-60%，比如，2009-2012年，很多基金年平均都是30%以上，所以10年年平均7-8%，还是靠谱的，也就是，如果买指数，不timing market, 这十五年里，你只管睡觉，别看股市，15年后，你的100万，会变成300万左右，但是，你若天天看股市，天天学习股市高手的“经验或吹牛”，你的100万，15年后90%的可能性会变成零， 当然也有1-5%的可能性，你的100万变成1000万， 这个，就 看你愿意如何炒作了。

所有跟帖： 

• What I am doing is ~20% bond fund, 45% big cap fund, 35% mid cap -花$$$- ♀ (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- ♂ (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- ♀ (42 bytes) () 04/27/2017 postreply 12:03:04

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

• Yes. -hhtt- ♂ (0 bytes) () 04/27/2017 postreply 12:07:21

• 谢谢 -阿莲- ♀ (0 bytes) () 04/27/2017 postreply 12:09:36

• SWTSX -花$$$- ♀ (0 bytes) () 04/27/2017 postreply 12:12:48

• Symbol 'VTI' with 3,601 stocks. -hhtt- ♂ (0 bytes) () 04/27/2017 postreply 12:06:58

• 谢谢 -阿莲- ♀ (0 bytes) () 04/27/2017 postreply 12:09:52

• 没有leverage的产品？ -阿莲- ♀ (0 bytes) () 04/27/2017 postreply 12:17:45

• Leverage? 3x S&P500 funds? -hhtt- ♂ (0 bytes) () 04/27/2017 postreply 12:25:57

• What about small cap? -hhtt- ♂ (0 bytes) () 04/27/2017 postreply 12:50:18

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

• I would allocate 15% to small and leave 20% to mid. -hhtt- ♂ (0 bytes) () 04/27/2017 postreply 13:30:08

• Please check your 20% bond fund's duration! -hhtt- ♂ (365 bytes) () 04/27/2017 postreply 13:35:02

• It says 5.49 years duration. FTBFX -花$$$- ♀ (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- ♂ (247 bytes) () 04/27/2017 postreply 13:59:18