谢谢大家的回复。看样子ROTH IRA如果买FUND的话，是没有FDIC的。但是traditional IRA如果买FUND的话，却有FDIC的。本来以为ROTH的收益是免税的，比较适合我。没想到竟然找不到principal insured 的fund. 各位考虑买traditional 或是roth的时候，仅仅是从免税角度出发的吗？ principal的风险一点都不在考虑之内？
下面就是我去年买的traditional ira的资料：
Stock Market IRA - A well deliberated risk
- The interest generated is based on the changes in the Standard and Poor's 500 Index (S&P 500)
- Minimum initial deposit: $500.
- Available term: 5 years
- The principal is insured by the FDIC up to $250,000
这句话的意思不就是S&P 500降了，你的钱也跟着降么？
i think the traditional IRA from your bank is some sort of MMK fund, usually MMK from bank has FDIC insured.
and honestly i think the FDIC insurance is only against bankrupcy of the bank. I do not think FDIC will protect you from losing money due to trading risks.
谢谢大家的回复。看样子ROTH IRA如果买FUND的话，是没有FDIC的。但是traditional IRA如果买FUND的话，却有FDIC的。本来以为ROTH的收益是免税的，比较适合我。没想到竟然找不到principal insured 的fund. 各位考虑买traditional 或是roth的时候，仅仅是从免税角度出发的吗？ principal的风险一点都不在考虑之内？
下面就是我去年买的traditional ira的资料：
Stock Market IRA - A well deliberated risk
- The interest generated is based on the changes in the Standard and Poor's 500 Index (S&P 500)
- Minimum initial deposit: $500.
- Available term: 5 years
- The principal is insured by the FDIC up to $250,000
这句话的意思不就是S&P 500降了，你的钱也跟着降么？
i think the traditional IRA from your bank is some sort of MMK fund, usually MMK from bank has FDIC insured.
and honestly i think the FDIC insurance is only against bankrupcy of the bank. I do not think FDIC will protect you from losing money due to trading risks.
我买的是STOCK MARKET IRA，跟踪的是S&P 500,自然算是SECURITIES，而不应该是储蓄之类的。那个银行说的很清楚啊，本金是一定不会损失的。
顺便说一下，限额是5000，这也是我一直不理解的事情。
[此贴子已经被作者于2006-5-9 23:13:58编辑过]
这就是我要买Vanguard® Target Retirement Funds 的原因，随着年纪的增长，FUND会帮我配置比较合理的portfolio，不需要我伤脑筋。只是如果不保护本金，心理有点不塌实。
这就是我要买Vanguard® Target Retirement Funds 的原因，随着年纪的增长，FUND会帮我配置比较合理的portfolio，不需要我伤脑筋。只是如果不保护本金，心理有点不塌实。
i think the traditional IRA from your bank is some sort of MMK fund, usually MMK from bank has FDIC insured.
and honestly i think the FDIC insurance is only against bankrupcy of the bank. I do not think FDIC will protect you from losing money due to trading risks.
我买的是STOCK MARKET IRA，跟踪的是S&P 500,自然算是SECURITIES，而不应该是储蓄之类的。那个银行说的很清楚啊，本金是一定不会损失的。
顺便说一下，限额是5000，这也是我一直不理解的事情。
that limit of $5,000 is FDIC insured. so anything above that limit will not be protected, as what i am thinking. you should, however, double check w/ the bank. i searched online and found the PNCBank offers FDIC insured investment, including IRA Certificates of Deposit and IRA Money Market accounts. i think this type of investment is relatively low risk.
这就是我要买Vanguard® Target Retirement Funds 的原因，随着年纪的增长，FUND会帮我配置比较合理的portfolio，不需要我伤脑筋。只是如果不保护本金，心理有点不塌实。
i think the traditional IRA from your bank is some sort of MMK fund, usually MMK from bank has FDIC insured.
and honestly i think the FDIC insurance is only against bankrupcy of the bank. I do not think FDIC will protect you from losing money due to trading risks.
我买的是STOCK MARKET IRA，跟踪的是S&P 500,自然算是SECURITIES，而不应该是储蓄之类的。那个银行说的很清楚啊，本金是一定不会损失的。
顺便说一下，限额是5000，这也是我一直不理解的事情。
that limit of $5,000 is FDIC insured. so anything above that limit will not be protected, as what i am thinking. you should, however, double check w/ the bank. i searched online and found the PNCBank offers FDIC insured investment, including IRA Certificates of Deposit and IRA Money Market accounts. i think this type of investment is relatively low risk.
不不不.... that limit of $5,000 是IRA的限额。我知道2004，2005都只能买$4000。所以才奇怪不知道为啥我可以买5000。
（FDIC每个帐户可以担保25万。在顶楼的资料里已经说的很清楚了）。
如果你在4/17前买可以买2年的（如果你去年没买的话）。所以可以up to 8000块。
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