你的目标是什么,想要多少的回报?能承担多大的风险?

比如保持本金不动,只想拿一些收入什么的,还是想拿更好的回报?

Put the money in the bank is probably the simplest and easiest way.  However, you will have to pay taxes on those interests earned.  Your tax rate is probably (most likely) higher than the interest rate you got from those CDs. 

In the long run, invest in the stock market.  If you dont have much time monitoring, buying and selling stocks, just get some 'stable' stocks.  In addition, max out your retirement contribution. 

How to invest?  I found this link might be helpful for you.  Not only does it provide helpful information on how to invest, but on stocks, ETFs, Mutual funds, Bonds, and even Commodities.

http://biz.yahoo.com/special/invest092506.html

Just another thought, you could also get a house and rent it out.  Another cash flow cow for you.

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

You're welcome. 

Townhouse is not a bad idea.  Less things to worry about outside the house since they are taken cared of by associations.

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.