重雪GG, 千万不要不耐烦啊, 偶的问题多了点...

今天去fidelity 问了一下, 有个新问题:

1. 他家的core acct也是money market acct, 目前有4.52%的return, 这个看起来就已经比其他银行高了, 风险是一样的吗? 这部分是联邦银行保险cover的吗?

No, there is no risk, but it is not FDIC insured.  Look at footnote 1 from this link: http://personal.fidelity.com/accounts/services/content/account.html

2. 选mutual fund和bond的时候, 选择太多, 有没有几个推荐的或是从哪里开始入手?

Click the link here, http://personal.fidelity.com/products/funds/

There you can pick up funds easily, such as large-cap, mid-cap, small-cap, international, etc.  They also have funds performance reviews.  What funds to invest depends on your age, your goal and your risk tolerance.  The higher the return, the higher the risk.  However, at young age, it doesn’t look bad if the funds have more stocks, since there could be large potential gains.  As you are more towards the retiring age, pick up less-risky funds.  Diversification is the key.

A friend of mine also suggested “Kiplinger quarterly review of mutual funds and bonds,” which can be purchased at https://www.kiplinger.com/store/annuals/mutualfunds.html or at the bookstore.

3. Mutual fund和bond是不是都算比较liquid, 短时间内可以换现呢?

Yes.

谢谢了

不过好像MF不鼓励短期trade, 很多fund apply penalty in short trade (either 3 or 6 months), 如果 care短期liquid的话，不如买ETF啦，跟 index fund差不多.

版版说的不对敬请更正

不过好像MF不鼓励短期trade, 很多fund apply penalty in short trade (either 3 or 6 months), 如果 care短期liquid的话，不如买ETF啦，跟 index fund差不多.

版版说的不对敬请更正

今天那个 investment planner给推荐的这个fund,  说是已经比较diversified 了,而且因为每个fund要求最少2500刀，所以如果钱不多的话，可以都买这个，你们看怎么样？(我的钱不急用，顶多是几年以后买房子的话可能会用到)：fedility的 quoke:ffffx