不是大拿，这点肯定。

这要看你什么时候用这些钱，和你的风险承受力。每个人不一样的。

上次有人来这里问我Fidelity Freedom funds,你可以研究一下。它的原理很简单的，你可以自己作。但不想麻烦，也可以让fund给你作，多点fee而已。

什么时候买进去，这个问题没有人能回答你。那涉及timing Market。这里这方面的大拿有，但也没有人敢说他timing的成功率在70%以上。我自己今年timing几次，到现在还在平手，不亏不赚呢。当然我是timing新手，纯粹是好玩。

所有跟帖： 

• 谢谢阿毛 -野百合- ♀ (161 bytes) () 05/04/2011 postreply 10:01:44

• "组合好好平衡一下"-- do you have a ratio in your mind? -Morning3evening4- ♂ (0 bytes) () 05/04/2011 postreply 10:08:15

• 就是稳中求长，具体没有想法。 -野百合- ♀ (0 bytes) () 05/04/2011 postreply 10:10:31

• You can look this fund, see whether it fits your goal. -Morning3evening4- ♂ (174 bytes) () 05/04/2011 postreply 10:17:49

• 再谢！ -野百合- ♀ (0 bytes) () 05/04/2011 postreply 10:21:04

• Keep in mind this is an aggressive fund: -Morning3evening4- ♂ (8786 bytes) () 05/04/2011 postreply 10:25:46

• 回复：Keep in mind this is an aggressive fund: do you mean that the -instein- ♀ (0 bytes) () 05/04/2011 postreply 12:10:12

• 谢谢阿毛耐心仔细的给解答,上次是我问的. -pinklemontea- ♀ (0 bytes) () 05/04/2011 postreply 12:09:07

• 还有很多问题. -pinklemontea- ♀ (0 bytes) () 05/04/2011 postreply 12:10:14

• FFTHX. 1% 费是年费吗? 还是每一次我买或卖就收? 还有其他费吗? 还有我在网上下午买, 他们帮 -pinklemontea- ♀ (175 bytes) () 05/04/2011 postreply 12:37:01

• Do you mean the short-term redemption fee? -Morning3evening4- ♂ (622 bytes) () 05/04/2011 postreply 13:04:16

• Expense Ratio 0.81% ：Do you mean the short-term redemption fee? -pinklemontea- ♀ (1416 bytes) () 05/04/2011 postreply 13:51:06

• Expense Ratio 0.81% is the managing fee. -Morning3evening4- ♂ (319 bytes) () 05/04/2011 postreply 18:53:17

• Got it. Thank you for your double check.currently I didn't know -pinklemontea- ♀ (175 bytes) () 05/04/2011 postreply 21:53:46

• You may want to read this article since you are considering targ -Morning3evening4- ♂ (84 bytes) () 05/04/2011 postreply 19:30:37

• Thank you a lot. You are the person to guide me to enter the doo -pinklemontea- ♀ (0 bytes) () 05/04/2011 postreply 21:51:34