3月底passed的一个bill,允许在符合条件的情况下,提前把401K无罚款取出来。看下面: The stimulus bill, officially known as the Coronavirus Aid, Relief and Economic Security Act (CARES), passed in late March. It provides billions in direct aid to people and businesses affected by the COVID-19 pandemic. But it also relaxes rules for tapping retirement accounts during the pandemic. First, the CARES Act allows new, penalty-free hardship distributions to anyone who meets any one of the following requirements: -Is diagnosed with COVID-19, the illness caused by the novel coronavirus -Has a spouse or dependents diagnosed with the illness -Suffers a financial impact due to quarantine, furlough, layoff reduced work hours or is unable to work or get child care due to issues related to the illness. -Experiences other COVID-19 factors as determined by the Secretary of the Treasury.
如果不知道的话,就买target date fund, 最省心。不用动,fund会自己rebalance。 如果401k里没有target date fund的话,可以自己做。选几支index fund,US stock, international stock, and bond,按照比例买。比例根据自己的风险承受能力,但要每年调整。一般,假设希望65岁退休时bond至少一半就是bond 50%,那么现在40岁就按bond 25%,stock fund 75% (US/international 可以八二开)以后每年rebalance, bond 涨1%,stock fund降 1%,一定要有dicipline,不管股市情况,按照比例调整。 可以参考这个 https://www.bogleheads.org/wiki/Three-fund_portfolio
比如在市场下跌时想止损有哪些操作方法,是调整股票债券比例吗?就是在自己账户里重新划分比例就行了?
可以卖出cash out吗?怎么卖?有没有什么惩罚性费用?Cash可以一直放在账户里不投入股票或债券吗?
想买入的时候,需要自己选股票或债券吗?还是增加股票比例就是了?
还有什么方式去经营401K呢?