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Huaren
等级列兵
威望--
贴子40
魅力164
注册时间2007-07-24

liz2004ny

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401K

2215

12

2007-07-30 13:06:00

Now the stock market is too high. which fund is good?
Huaren
等级中士
威望1
贴子954
魅力1488
注册时间2005-11-07

amazonlily0

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2007-07-30 16:59:00

你们公司401k都offer什么funds呢?
Huaren
等级大校
威望6
贴子5151
魅力6976
注册时间2007-02-07

lilkiki777

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2007-08-15 16:10:00

bond fund, mm fund, less volital, if you don't want to invest in the stock fund and subject to decrease in value. 
Huaren
等级上校
威望4
贴子4049
魅力9246
注册时间2005-07-30

sstsys

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2007-10-14 11:56:00

here is my portfolio:

10% own company stock

30% large cap

30% international

30% global equity

Huaren
等级大校
威望16
贴子13024
魅力15251
注册时间2007-06-25

yyja

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2007-10-14 15:17:00

以下是引用sstsys在2007-10-14 11:56:00的发言:

here is my portfolio:

10% own company stock

30% large cap

30% international

30% global equity

What's the difference between global stock - value and global stock - growth? and large cap- value and large cap growth? thanks!!!

Huaren
等级大校
威望26
贴子21220
魅力26015
注册时间2007-01-17

Emichan

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2007-10-14 15:33:00

以下是引用yyja在2007-10-14 15:17:00的发言:

What's the difference between global stock - value and global stock - growth? and large cap- value and large cap growth? thanks!!!

这些都是不同种类的mutual fund。

Global stock - 应该是主要投资美国境外的公司的股票。

Value fund - 主要投资于大型保值公司的股票,也许还有一些证券。

Growth fund - Value fund相反,投资于预期增长会超过平均股市增长率的公司的股票。

Large Cap - Large Market Capitalization 是指发行股票的总数量乘以每股的价钱超过$10billion的公司。

当然,每家投资公司对他们的Value fund, growth fund,等等的定义也不完全一样。要了解,一定要看看mutual fund的prospectus,不能光看名字的。

Huaren
等级大校
威望16
贴子13024
魅力15251
注册时间2007-06-25

yyja

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2007-10-14 15:38:00

以下是引用Emichan在2007-10-14 15:33:00的发言:

这些都是不同种类的mutual fund。

Global stock - 应该是主要投资美国境外的公司的股票。

Value fund - 主要投资于大型保值公司的股票,也许还有一些证券。

Growth fund - Value fund相反,投资于预期增长会超过平均股市增长率的公司的股票。

Large Cap - Large Market Capitalization 是指发行股票的总数量乘以每股的价钱超过$10billion的公司。

当然,每家投资公司对他们的Value fund, growth fund,等等的定义也不完全一样。要了解,一定要看看mutual fund的prospectus,不能光看名字的。

thanks a lot!!

I use prudential and have no idea which one to choose.  I used to just use their granteed income fund, and the return is so low... even less than some saving account interest.

Huaren
等级大校
威望26
贴子21220
魅力26015
注册时间2007-01-17

Emichan

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2007-10-14 15:50:00

以下是引用yyja在2007-10-14 15:38:00的发言:

thanks a lot!!

I use prudential and have no idea which one to choose.  I used to just use their granteed income fund, and the return is so low... even less than some saving account interest.

I would suggest that you use Vanguard's target retirement funds as a template to build your own asset mix. 

https://personal.vanguard.com/VGApp/hnw/content/Funds/FundsVanguardFundsTargetOverviewJSP.jsp

The website list out the different funds with the targeted age now and the estimated retirement age.  Pick the fund that matches your own situation the closest, click on its name, it will list out all the funds that the target funds invest in.  Click on "Holdings", and it will tell you the percentages allocated to each fund. 

You can mirror your own investments, then just rebalance once a year. 

Huaren
等级上校
威望4
贴子4049
魅力9246
注册时间2005-07-30

sstsys

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2007-10-14 22:32:00

以下是引用yyja在2007-10-14 15:17:00的发言:

What's the difference between global stock - value and global stock - growth? and large cap- value and large cap growth? thanks!!!

Emichan MM答的对, 每个投资公司不同的, 我的公司用Fidelity, 你们用Prudential

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Huaren
等级大校
威望16
贴子13024
魅力15251
注册时间2007-06-25

yyja

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2007-10-14 22:34:00

以下是引用sstsys在2007-10-14 22:32:00的发言:

Emichan MM答的对, 每个投资公司不同的, 我的公司用Fidelity, 你们用Prudential

en, they use prudential for a few years already.  I just found that my last quarter return was really low.  Maybe I didn't choose my allocation very well.

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