草莓多多
[求助]关于IRA
1047
5
2006-12-03 15:10:00
Investments: • Not FDIC Insured • No Bank Guarantee • May Lose Value
这个意思是不是说我有可能血本无归？
我知道的IRA Roth上限是4000，省税是因为如果这4000的投资有收益是不需要交税的（我们存银行的利息还要缴税呢）
但这属于投资，所以不保证本金。理论上说可以血本无归。但是如果做一些保守的mutul fund的投资，长期来说应该是赚钱的。
保守的投资或者diversified的投资都会make yourself protected to the minimum risk level.
谢谢斑斑
具体说说，是不是percentage wise, mutual fund或是Cash之类的多放一些，stock少放一些？
[此贴子已经被作者于2006-12-3 23:44:32编辑过]
The most commonly recommended funds allocation is 80% stock and 20% bonds. It also depends on your risk tolerance level. When you are young and far away from retirement, you maybe put more funds towards stock (large/mid/small cap or international funds).
The most commonly recommended funds allocation is 80% stock and 20% bonds. It also depends on your risk tolerance level. When you are young and far away from retirement, you maybe put more funds towards stock (large/mid/small cap or international funds).
80% stock 风险岂不是太大？虽然我是far far far away，可是如果stock大亏，我岂不是要吐血
到底了
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