以下是引用icyscorpio在2006-9-29 21:01:00的发言：

如果不想本金有损失的话，可以把６０％左右的钱放在银行，存CD,或者买债券，当然，如果想要更高的收益的话，这个比重可以调整，还是看你对风险的承受能力

如果没有太多时间盯盘的话，可以买一些MF,ETF

如果可以有条件做长期投资的话，就考虑多买些股票，放长线钓大鱼

个人想法，仅供参考

thanks a lot, I will probably follow your advice and use 40%-50% for CD and bonds and 40--50% for other...  am trying to figure out what MF and ETF are....

now at least I have SOME idea for my financial future..... I do envy my parents' generation, do not need to worry about anything. you put your money in bank, you buy your house and that is it.......

以下是引用heavysnow在2006-9-29 20:36:00的发言：

以下是引用1976在2006-9-29 19:33:00的发言：

130K cash. wow. 赞一个先. 有空约你出去吃饭.

谁请客？

是美女我请客.

Seriously, another way is to buy mutual funds. To buy those "target year 20xx retirement" funds. These funds will automatically allocate and reallocate the areas and risk factor from year to year. So you need to do nothing about it.

I personally suggest you only to buy from 3 fund compaines:

https://www.fidelity.com/

http://www.vanguard.com

http://www.troweprice.com

以下是引用1976在2006-9-29 21:29:00的发言：

以下是引用heavysnow在2006-9-29 20:36:00的发言：

以下是引用1976在2006-9-29 19:33:00的发言：

130K cash. wow. 赞一个先. 有空约你出去吃饭.

谁请客？

是美女我请客.

 

Seriously, another way is to buy mutual funds. To buy those "target year 20xx retirement" funds. These funds will automatically allocate and reallocate the areas and risk factor from year to year. So you need to do nothing about it.

I personally suggest you only to buy from 3 fund compaines:

https://www.fidelity.com/

http://www.vanguard.com

http://www.troweprice.com

 

somehow I have vanguard, I mean, they send me "statement" and stuff.  I think my 401K uses it?

OK, first thing is to go back to my file drawer (I keep everything which is a good sign) and figure out what is happening NOW......

another question : any one of you try to combine your two 401K after changing job? someone told me not to worry because I will not use it until I am 65, but I also heard people "rollover" their old 401K ..... any suggestion? thanks a lot

以下是引用lisasurf在2006-9-29 21:58:00的发言：

以下是引用1976在2006-9-29 21:29:00的发言：

以下是引用heavysnow在2006-9-29 20:36:00的发言：

以下是引用1976在2006-9-29 19:33:00的发言：

130K cash. wow. 赞一个先. 有空约你出去吃饭.

谁请客？

是美女我请客.

 

Seriously, another way is to buy mutual funds. To buy those "target year 20xx retirement" funds. These funds will automatically allocate and reallocate the areas and risk factor from year to year. So you need to do nothing about it.

I personally suggest you only to buy from 3 fund compaines:

https://www.fidelity.com/

http://www.vanguard.com

http://www.troweprice.com

 

somehow I have vanguard, I mean, they send me "statement" and stuff.  I think my 401K uses it?

OK, first thing is to go back to my file drawer (I keep everything which is a good sign) and figure out what is happening NOW......

another question : any one of you try to combine your two 401K after changing job? someone told me not to worry because I will not use it until I am 65, but I also heard people "rollover" their old 401K ..... any suggestion? thanks a lot

You dont have to worry about the rollover if you work with the same employer till you reach the retirement age.  If you change your job, you need to consider rolling over your 401K.  When rolling over your funds to another, there is no penalty or tax implication.

以下是引用heavysnow在2006-9-29 22:25:00的发言：

以下是引用lisasurf在2006-9-29 21:58:00的发言：

以下是引用1976在2006-9-29 21:29:00的发言：

以下是引用heavysnow在2006-9-29 20:36:00的发言：

以下是引用1976在2006-9-29 19:33:00的发言：

130K cash. wow. 赞一个先. 有空约你出去吃饭.

谁请客？

是美女我请客.

 

Seriously, another way is to buy mutual funds. To buy those "target year 20xx retirement" funds. These funds will automatically allocate and reallocate the areas and risk factor from year to year. So you need to do nothing about it.

I personally suggest you only to buy from 3 fund compaines:

https://www.fidelity.com/

http://www.vanguard.com

http://www.troweprice.com

 

somehow I have vanguard, I mean, they send me "statement" and stuff.  I think my 401K uses it?

OK, first thing is to go back to my file drawer (I keep everything which is a good sign) and figure out what is happening NOW......

another question : any one of you try to combine your two 401K after changing job? someone told me not to worry because I will not use it until I am 65, but I also heard people "rollover" their old 401K ..... any suggestion? thanks a lot

You dont have to worry about the rollover if you work with the same employer till you reach the retirement age.  If you change your job, you need to consider rolling over your 401K.  When rolling over your funds to another, there is no penalty or tax implication.

 

thank you so much heavysnow, now all my questions are answered, I need to roll my sleeves and make a plan......