怎样分配IRA

加入TIAA-CREF IRA, 我的 allocation 是:

30.00% TIAA Traditional
30.00% CREF Stock
10.00% CREF Equity Index
15.00% CREF Global Equities
10.00% TIAA Real Estate
5.00% CREF Social Choice

请高人帮分析一下我这样分合适吗？怎样才更好？谢谢。

所有跟帖： 

• Never invested in mutual funds. -U6D3- ♂ (39 bytes) () 05/16/2007 postreply 12:16:15

• 我没买mutual fund吧？不明白的问. -thatFall- ♀ (0 bytes) () 05/16/2007 postreply 12:19:36

• I never bought funds before. -U6D3- ♂ (0 bytes) () 05/16/2007 postreply 12:20:25

• 我的分配好在哪呢？还是不明白。 -thatFall- ♀ (0 bytes) () 05/16/2007 postreply 12:20:46

• 回复：我的分配好在哪呢？还是不明白。 -U6D3- ♂ (279 bytes) () 05/16/2007 postreply 12:28:22

• 对于这种评论要加上论据论证过程 -*天马行空独来独往*- ♀ (37 bytes) () 05/16/2007 postreply 12:25:05

• 回复：对于这种评论要加上论据论证过程 -U6D3- ♂ (72 bytes) () 05/16/2007 postreply 12:29:45

• 回复：怎样分配IRA -凌空长老- ♂ (356 bytes) () 05/16/2007 postreply 12:24:33

• mine is very similar~~ -*天马行空独来独往*- ♀ (27 bytes) () 05/16/2007 postreply 12:26:21

• 这叫英雄所见略同 -凌空长老- ♂ (272 bytes) () 05/16/2007 postreply 12:35:24

• 嗯， 嗯。 我记住了。 -*天马行空独来独往*- ♀ (106 bytes) () 05/16/2007 postreply 12:39:37

• 谢谢，回家查查我的分配比例 -芦苇葱葱- ♀ (46 bytes) () 05/16/2007 postreply 12:34:26

• 回复：谢谢，回家查查我的分配比例 -凌空长老- ♂ (573 bytes) () 05/16/2007 postreply 12:49:21

• 是, 很有道理。我的都是交给financial adviser去做的 -芦苇葱葱- ♀ (266 bytes) () 05/16/2007 postreply 13:06:05

• 回复：是, 很有道理。我的都是交给 -凌空长老- ♂ (197 bytes) () 05/16/2007 postreply 13:16:31

• 谢了 -芦苇葱葱- ♀ (90 bytes) () 05/16/2007 postreply 13:34:45

• 我没有international吧, is that same as CREF Global Equities? -thatFall- ♀ (7 bytes) () 05/16/2007 postreply 12:38:24

• 回复：我没有international吧, is that same as CREF Global Equiti -凌空长老- ♂ (138 bytes) () 05/16/2007 postreply 12:59:07

• Thanks, is international one of the mutual fund? -thatFall- ♀ (0 bytes) () 05/16/2007 postreply 13:04:37

• more international -比花花还花- ♂ (379 bytes) () 05/19/2007 postreply 19:06:13

• 买一股BRKA得了。让老巴去分配。留1-2万炒OPTION投机。 -pediatrician- ♂ (0 bytes) () 05/16/2007 postreply 12:26:10

• 回复：买一股BRKA得了。让老巴去分配。 -凌空长老- ♂ (327 bytes) () 05/16/2007 postreply 13:21:36

• Not fair to compare 5-yr chart. -U6D3- ♂ (118 bytes) () 05/16/2007 postreply 13:57:15

• Your are right that -凌空长老- ♂ (488 bytes) () 05/16/2007 postreply 14:40:44

• Time span and goals. -U6D3- ♂ (793 bytes) () 05/16/2007 postreply 14:58:31

• and timing is hard -:) -JR98- ♂ (0 bytes) () 05/16/2007 postreply 15:26:43

• exactly. -U6D3- ♂ (105 bytes) () 05/16/2007 postreply 15:34:24

• I like simplicity and ok return for retirement account. -pediatrician- ♂ (423 bytes) () 05/16/2007 postreply 15:52:43

• 70-80% mutual funds underperform SPY each yr. -U6D3- ♂ (0 bytes) () 05/16/2007 postreply 15:55:40

• 分散风险是重要，FUND MANAGER还常提到要RE-BALANCING -太有才了2000- ♀ (0 bytes) () 05/16/2007 postreply 13:03:31

• 嗯，是的，我的好像是每半年调整一次 -芦苇葱葱- ♀ (0 bytes) () 05/16/2007 postreply 13:16:03

• 不熟悉TIAA 和CREF的组合。 -A-mao- ♂ (243 bytes) () 05/16/2007 postreply 14:42:15

• 回复：怎样分配IRA -zzmum- ♀ (153 bytes) () 05/16/2007 postreply 19:01:36

• 请教：如何选择好的financial adviser 去管理自己的投资 -bayagent- ♀ (0 bytes) () 05/16/2007 postreply 22:59:51

• 偶比较了解ＴＩＡＡ－ＣＲＥＦ，偶是这样分配的，仅供参考： -偶行偶素- ♀ (376 bytes) () 05/17/2007 postreply 19:56:32

• 回复：偶比较了解ＴＩＡＡ－ＣＲＥＦ，偶是这样分配的，仅供参考： -ntren- ♀ (156 bytes) () 05/19/2007 postreply 12:44:28

• Can you tell what's different between tiaa and Fidelity? Thanks! -ntren- ♀ (0 bytes) () 05/19/2007 postreply 13:19:28

• I like Fidelity, because it has more diversified -偶行偶素- ♀ (268 bytes) () 05/20/2007 postreply 11:43:16

• My strategy -breakouts- ♀ (552 bytes) () 05/19/2007 postreply 16:38:50