You are probably right in general sense. Index funds are for

来源: 偶行偶素 于 2017-04-28 11:18:48 [] [博客] [旧帖] [给我悄悄话] 阅读数 : (931 bytes)
本帖于 2017-04-28 11:27:01 时间, 由普通用户 偶行偶素 编辑
回答: Thank you. Investment is a very personal thing. 由 hhtt 于 2017-04-28 09:29:54

people who has very basic investment knowledge and experience. I believe most people can pass this infancy stage if they are willing to spend some time doing some home work and research. I have 20+ years of investment experience. I have tried invest in individual stocks as well, but the stress and time commitment was too much for me. I can play with stocks with a small amount of my family's asset for fun. But for the most part, I'm more comfortable with mutual funds. Selecting individual sector funds and international funds etc. does take some effort and risk tolerance, but the overall risk and reward ratio is very favorable for people who are willing to learn. It's not hard at all. Just need some determination and believe in yourself that you can do it.  And you can do it better than a lot of fee charging financial advisers. 

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• 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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