you are right for the most retirement account

来源: planotx 于 2011-08-21 11:15:51 [] [旧帖] [给我悄悄话] 阅读数 : (513 bytes)
回答: Not trying to show my return. 由 Morning3evening4 于 2011-08-21 10:57:42

In most cases, we started little or nothing in a retirement account.  DAC is very powerful in this case.  In a lot of cases, it can beat S&P.

However, when your account grows to certain level (10+ x of your annual contribution), your contribution can only buy small amount (less percentage) comparing your holdings.  Then the market up/down have huge impact on your return.  Then we need to pay attention to the market and avoid the big dip when the risk is high (like now).

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• Make great sense. -Morning3evening4- ♂ 给 Morning3evening4 发送悄悄话 Morning3evening4 的博客首页 (319 bytes) () 08/21/2011 postreply 11:29:35

• 完全同意。哪怕前10年DCA漂亮的不得了，最后2年－30%，－20%，前功尽弃。 -windlight- ♀ 给 windlight 发送悄悄话 windlight 的博客首页 (167 bytes) () 08/21/2011 postreply 13:25:02

• This is exit strategy. -Morning3evening4- ♂ 给 Morning3evening4 发送悄悄话 Morning3evening4 的博客首页 (343 bytes) () 08/21/2011 postreply 16:56:43

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