我的感觉倒不是太保守的问题,而是回报率有点低.而且你不仅要看YTD return,还要看这几年来的长期performance如何. 不过具体选择也取决于每个人对风险的忍受度.

个人觉得不错的几个基金:

mid-large cap: WWNPX, FAIRX.

international: DODFX

for short-term (1-2 yr):

ENERGY & natural resource: PSPFX

Precious metal: UNWPX

你可以在 finance.yahoo.com 或 morningstar 上做research.

[此贴子已经被作者于2006-4-12 21:49:59编辑过]

The percentage of total fund assets that is used to cover expenses associated with the operation of a mutual fund. This amount is taken out of the fund's assets and lowers the return that fund holders achieve. These expenses include management fees and operating expenses. The management fee is the fee that is charged to the fund by the portfolio manager, and it is often a fixed percentage. The operating expenses are the expenses that the fund incurs through operation and this can include brokerage fees, taxes, investor services and interest expenses.

Got it. Thanks. :-)

Thank you for the recommendation. We do need to do some research. Hope to get more comments from you.