heavysnow
有关ROTH IRA帐户的风险问题。
4001
20
2006-05-09 13:45:00
any investment can lose money. even buy bonds from US government.
i have not heard any roth will guranteen your principle.
that is so true. look at the recent i-bond yield rate.
any investment can lose money. even buy bonds from US government.
i have not heard any roth will guranteen your principle.
that is so true. look at the recent i-bond yield rate.
yeah, i stopped my automatic purchasing plan. but I may start again next time they announce the rate tho.
exempt from state tax is a selling point. and flexibility is very important to me.
did u get into any ADM, PEXI?
年纪越来越大了，最近动起了为退休存钱的念头。去年开了个tradition IRA. 当时银行告诉我本金是有联邦保险的，唯一的风险就是收益或多或少，最坏的情况就是收益为零，但是本金不会亏掉。
目前我想再开个ROTH IRA，在网上看了看，觉的Vanguard® Target Retirement Fund 不错。可是就是找不到有关本金有联邦保险这一条。在这里看到有的朋友说在年景不好的时候，ROTH IRA帐户里的钱缩水一半，不由的吓我一身冷汗。
难道IRA会因为买不同的基金而把本金也亏掉？ 这是退休的钱啊，如果会把本金亏掉，那与正常股票帐户没太大区别了。
高手们能帮我解答一下吗？谢谢~~
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.
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.
到底了
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