liloskoala
[推荐]买 IRA 了
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2006-03-14 20:33:00
New: today I got the confirmation from MetLife: APY = 4.95%, automatically increased from 4.80% when I called them !
A kind reminder to all mm on this board, esp. (1) your money is not big (<10k); (2) a novice to investing.
If you invest in Mutual Fund, think about the fee very carefully.
I read the replies to my original post, sorry to say some of them do not get what I mean:
for short term, small money investment
(1) IRA CD is really good choice;
(2) MF fees can easily eat up all your gain.
Of course, I will play a different strategy of investment for 100k with 5yr+ horizon.
orignal post:
在恶毒的攻击了山姆大叔的税收制度后，还是买了点 traditional IRA
向各位不想冒险的同志推荐一个：MetLife Bank. IRA CD 1yr: minimum=$1000, rate=4.80%因为只想投一点钱， 所以1）更好的 CD rate 拿不到。 如果存一万，可以到 5.00%2）如果投 mutual fund， 几千文钱的回报还不够交 fee。[此贴子已经被作者于2006-3-31 14:57:19编辑过]
同意部分，我也开了一个metlife的 tradtional IRA
不过为什麽你不放五年呢??
我是放五年，锁定利率5.05%，我也没有超过一万元
不过为什麽你不放五年呢??
利率显然还要涨 0.25 - 0.50%. 存五年显然亏了。
且不说资金多了后， 我不会放 CD 。
IRA这种退休账户放CD实在不make sense。
长期投资应该选risk 和return 都比较高一点的。
IRA这种退休账户放CD实在不make sense。
长期投资应该选risk 和return 都比较高一点的。
for example? any good suggestion?
It is all about the fee.
如果投 mutual fund， 几千文钱的回报还不够交 fee。义务帮brokage firm 作 fund manager 的活，我是不干的。
所以我建议大家把小额 IRA 放到 CD.
不过 FED 暗示还要涨1到2 次利息（今年），所以现在lock in 5yr 5.05% 不划算， lock in 5.25-5.35% is more reasonable。
Roth IRA (not "ross", nor "rose"):
You put your after-tax dollar.
But if your couple earn $150k/yr, you cannot contribute. (hoho!)
Traditional IRA: you put your pretax dollar.
Search for my other posts to know more. Or visit finance.yahoo.com
到底了
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