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Huaren
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fmx89591277

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请高手指点:vanguard Roth IRA 买哪个funds 比较合适?

11078

5

2014-12-25 12:48:52

请高手指点:vanguard Roth IRA 买哪个funds 比较合适?

PS:新手,对股票知识是白痴 (也 不准备买)。准备30年后退休,可以承担low-moderate risk。 可供选择的below: thanks

Mutual funds


General attributes

[table=98%]
[td=1,2,2%]

[td=1,2,21%]

Name (Minimum)[url=https://personal.vanguard.com/] [/url]

[td=1,2,10%]

Ticker[url=https://personal.vanguard.com/] [/url]

[td=1,2,10%]

Asset
Class
[url=https://personal.vanguard.com/] [/url]

[td=1,2,7%]

Fund No.

[td=1,2,8%]

Expense ratio






Admiral Treasury Money Market

VUSXX

Money Market

0011

0.09%



Federal Money Market

VMFXX

Money Market

0033

0.11%



Prime Money Market ($3,000 minimum)

VMMXX

Money Market

0030

0.16%



Short-Term Bond Index ($3,000 minimum)

VBISX

Bond - Short-term Investment

0132

0.20%



Short-Term Federal ($3,000 minimum)

VSGBX

Bond - Short-term Government

0049

0.20%



Short-Term Inflation-Protected Securities Index ($3,000 minimum)

VTIPX

Bond - Short-term Government

1967

0.20%



Short-Term Treasury ($3,000 minimum)

VFISX

Bond - Short-term Government

0032

0.20%



Short-Term Investment-Grade ($3,000 minimum)

VFSTX

Bond - Short-term Investment

0039

0.20%



Emerging Markets Government Bond Index ($3,000 minimum)
Purchase Fee: 0.75%

VGOVX

International

1120

0.49%



GNMA ($3,000 minimum)

VFIIX

Bond - Inter-term Government

0036

0.21%



Inflation-Protected Securities ($3,000 minimum)

VIPSX

Bond - Inter-term Government

0119

0.20%



Intermediate-Term Bond Index ($3,000 minimum)

VBIIX

Bond - Inter-term Investment

0314

0.20%



Intermediate-Term Treasury ($3,000 minimum)

VFITX

Bond - Inter-term Government

0035

0.20%



Total Bond Market Index ($3,000 minimum)

VBMFX

Bond - Inter-term Investment

0084

0.20%



Intermediate-Term Investment-Grade ($3,000 minimum)

VFICX

Bond - Inter-term Investment

0071

0.20%



Total International Bond Index ($3,000 minimum)

VTIBX

International

1231

0.23%



High-Yield Corporate ($3,000 minimum)

VWEHX

Bond - Inter-term Low Quality

0029

0.23%



Long-Term Bond Index ($3,000 minimum)

VBLTX

Bond - Long-term Investment

0522

0.20%



Long-Term Treasury ($3,000 minimum)

VUSTX

Bond - Long-term Government

0083

0.20%



Long-Term Investment-Grade ($3,000 minimum)

VWESX

Bond - Long-term Investment

0028

0.22%



Balanced Index ($3,000 minimum)

VBINX

Balanced

0002

0.24%



Convertible Securities ($3,000 minimum)

VCVSX

Balanced

0082

0.63%



STAR ($1,000 minimum)

VGSTX

Balanced

0056

0.34%



Wellesley Income ($3,000 minimum)

VWINX

Balanced

0027

0.25%



Wellington ($3,000 minimum)

VWELX

Balanced

0021

0.26%



LifeStrategy Conservative Growth ($3,000 minimum)

VSCGX

Balanced

0724

0.15%



LifeStrategy Growth ($3,000 minimum)

VASGX

Balanced

0122

0.17%



LifeStrategy Income ($3,000 minimum)

VASIX

Balanced

0723

0.14%



LifeStrategy Moderate Growth ($3,000 minimum)

VSMGX

Balanced

0914

0.16%



Target Retirement Income ($1,000 minimum)

VTINX

Balanced

0308

0.16%



Target Retirement 2010 ($1,000 minimum)

VTENX

Balanced

0681

0.16%



Target Retirement 2015 ($1,000 minimum)

VTXVX

Balanced

0303

0.16%



Target Retirement 2020 ($1,000 minimum)

VTWNX

Balanced

0682

0.16%



Target Retirement 2025 ($1,000 minimum)

VTTVX

Balanced

0304

0.17%



Target Retirement 2030 ($1,000 minimum)

VTHRX

Balanced

0695

0.17%



Target Retirement 2035 ($1,000 minimum)

VTTHX

Balanced

0305

0.18%



Target Retirement 2040 ($1,000 minimum)

VFORX

Balanced

0696

0.18%



Target Retirement 2045 ($1,000 minimum)

VTIVX

Balanced

0306

0.18%



Target Retirement 2050 ($1,000 minimum)

VFIFX

Balanced

0699

0.18%



Target Retirement 2055 ($1,000 minimum)

VFFVX

Balanced

1487

0.18%



Target Retirement 2060 ($1,000 minimum)

VTTSX

Balanced

1691

0.18%



Managed Payout ($25,000 minimum)

VPGDX

Balanced

1498

0.34%



Market Neutral ($250,000 minimum)

VMNFX

Stock - Long-Short

0634

1.60%



Equity Income ($3,000 minimum)

VEIPX

Stock - Large-Cap Value

0065

0.30%



High Dividend Yield Index ($3,000 minimum)

VHDYX

Stock - Large-Cap Value

0623

0.19%



U.S. Value ($3,000 minimum)

VUVLX

Stock - Large-Cap Value

0124

0.30%



Value Index ($3,000 minimum)

VIVAX

Stock - Large-Cap Value

0006

0.24%



Windsor ($3,000 minimum)

VWNDX

Stock - Large-Cap Value

0022

0.37%



Windsor II ($3,000 minimum)

VWNFX

Stock - Large-Cap Value

0073

0.36%



500 Index ($3,000 minimum)

VFINX

Stock - Large-Cap Blend

0040

0.17%



Diversified Equity ($3,000 minimum)

VDEQX

Stock - Large-Cap Blend

0608

0.40%



Dividend Appreciation Index ($3,000 minimum)

VDAIX

Stock - Large-Cap Blend

0602

0.20%



Dividend Growth ($3,000 minimum)

VDIGX

Stock - Large-Cap Blend

0057

0.31%



Growth and Income ($3,000 minimum)

VQNPX

Stock - Large-Cap Blend

0093

0.36%



Large-Cap Index ($3,000 minimum)

VLACX

Stock - Large-Cap Blend

0307

0.24%



PRIMECAP Core ($3,000 minimum)

VPCCX

Stock - Large-Cap Blend

1220

0.50%



Total Stock Market Index ($3,000 minimum)

VTSMX

Stock - Large-Cap Blend

0085

0.17%



FTSE Social Index ($3,000 minimum)

VFTSX

Stock - Large-Cap Growth

0213

0.27%



Growth Index ($3,000 minimum)

VIGRX

Stock - Large-Cap Growth

0009

0.24%



Morgan Growth ($3,000 minimum)

VMRGX

Stock - Large-Cap Growth

0026

0.39%



PRIMECAP ($3,000 minimum)

VPMCX

Stock - Large-Cap Growth

0059

0.45%



U.S. Growth ($3,000 minimum)

VWUSX

Stock - Large-Cap Growth

0023

0.44%



Capital Value ($3,000 minimum)

VCVLX

Stock - Mid-Cap Value

0328

0.41%



Mid-Cap Value Index ($3,000 minimum)

VMVIX

Stock - Mid-Cap Value

0835

0.24%



Selected Value ($3,000 minimum)

VASVX

Stock - Mid-Cap Value

0934

0.44%



Extended Market Index ($3,000 minimum)

VEXMX

Stock - Mid-Cap Blend

0098

0.24%



Mid-Cap Index ($3,000 minimum)

VIMSX

Stock - Mid-Cap Blend

0859

0.24%



Strategic Equity ($3,000 minimum)

VSEQX

Stock - Mid-Cap Blend

0114

0.29%



Capital Opportunity ($3,000 minimum)

VHCOX

Stock - Mid-Cap Growth

0111

0.48%



Mid-Cap Growth ($3,000 minimum)

VMGRX

Stock - Mid-Cap Growth

0301

0.51%



Mid-Cap Growth Index ($3,000 minimum)

VMGIX

Stock - Mid-Cap Growth

0832

0.24%



Explorer Value ($3,000 minimum)

VEVFX

Stock - Small-Cap Value

1690

0.66%



Small-Cap Value Index ($3,000 minimum)

VISVX

Stock - Small-Cap Value

0860

0.24%



Small-Cap Index ($3,000 minimum)

NAESX

Stock - Small-Cap Blend

0048

0.24%



Strategic Small-Cap Equity ($3,000 minimum)

VSTCX

Stock - Small-Cap Blend

0615

0.41%



Explorer ($3,000 minimum)

VEXPX

Stock - Small-Cap Growth

0024

0.52%



Small-Cap Growth Index ($3,000 minimum)

VISGX

Stock - Small-Cap Growth

0861

0.24%



Energy ($3,000 minimum)

VGENX

Stock - Sector

0051

0.38%



Health Care ($3,000 minimum)

VGHCX

Stock - Sector

0052

0.35%



REIT Index ($3,000 minimum)

VGSIX

Stock - Sector

0123

0.24%



Developed Markets Index ($3,000 minimum)

VDVIX

International

1397

0.20%



Emerging Markets Select Stock ($3,000 minimum)

VMMSX

International

0752

0.94%



Emerging Markets Stock Index ($3,000 minimum)

VEIEX

International

0533

0.33%



European Stock Index ($3,000 minimum)

VEURX

International

0079

0.26%



FTSE All-World ex-US Index ($3,000 minimum)

VFWIX

International

0770

0.30%



FTSE All-World ex-US Small-Cap Index ($3,000 minimum)

VFSVX

International

1684

0.40%



Global Equity ($3,000 minimum)

VHGEX

International

0129

0.61%



Global ex-U.S. Real Estate Index ($3,000 minimum)
Purchase Fee: 0.25%
Redemption Fee:0.25%

VGXRX

International

0738

0.40%



Global Minimum Volatility ($3,000 minimum)

VMVFX

International

1194

0.30%



International Explorer ($3,000 minimum)

VINEX

International

0126

0.36%



International Growth ($3,000 minimum)

VWIGX

International

0081

0.47%



International Value ($3,000 minimum)

VTRIX

International

0046

0.43%



Pacific Stock Index ($3,000 minimum)

VPACX

International

0072

0.26%



Precious Metals and Mining ($3,000 minimum)

VGPMX

Stock - Sector

0053

0.25%



Total International Stock Index ($3,000 minimum)

VGTSX

International

0113

0.22%



Total World Stock Index ($3,000 minimum)

VTWSX

International

0628

0.30%


Huaren
等级一等兵
威望--
贴子355
魅力362
注册时间2014-06-21

hellok38

只看他

2014-12-27 23:46:46

回复 [url=http://forums.huaren.us/showtopic.aspx?topicid=1753512&postid=65772077#65772077]1楼fmx89591277的帖子[/url] 新手,在这三个里面任选一个吧,风险程度按顺序递增。 LifeStrategy Moderate Growth LifeStrategy Growth Target Retirement 2045 话说回来准备30年后退休,仅仅盯着这一年存的5500刀可以承担多大风险是没有多大意义的,后面还要存很多年。钱多了以后再慢慢纠结吧。
Huaren
等级一等兵
威望--
贴子406
魅力778
注册时间2014-09-19

fmx89591277

只看楼主

2014-12-29 15:54:01

thank you very much!
Huaren
等级二等兵
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贴子206
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注册时间2011-04-24

dwyllwyd

只看他

2015-01-17 01:05:15

同学习,谢谢
Huaren
等级一等兵
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注册时间2014-12-31

czgu

只看他

2015-01-17 18:42:27

我不了解 Vanguard Fund。 但是有一个建议。如果你还要等30年才能退休,那么你应该选风险最大,而收益最高的基金。而不是风险比较低的基金。30年的岁月可以承担高的风险,从而获得高的回报。

另外,列出的基金中,好多是International的。投资这类基金要慎重。仍然要以美国为(最)主要的。
Huaren
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注册时间2005-05-29

sharry

只看他

2015-01-18 14:29:00

我不了解 Vanguard Fund。 但是有一个建议。如果你还要等30年才能退休,那么你应该选风险最大,而收益最高的基金。而不是风险比较低的基金。30年的岁月可以承担高的风险,从而获得高的回报。

另外,列出的基金中,好多是International的。投资这类基金要慎重。仍然要以美国为(最)主要的。

czgu 发表于 1/17/2015 6:42:27 PM [url=http://forums.huaren.us/showtopic.aspx?topicid=1753512&postid=66044957#66044957]

[/url]

International这几年都很差。
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