关于复利的问题，index mutual fund 的分红可以跟定投一样设置成自动投资。 dannyjer 发表于 2021-01-13 20:36
看到这个突然想问下 我在vanguard的roth ira 是自己手动设置成dividend reinvestment 但公司的401k plan （fidelity）我定投了mutual funds之后就从来没碰过，是不是401k就默认复利自动投资了？我没有找到dividend是cash还是reinvest的选项
Best S&P 500 ETFs Best Overall: iShares Core S&P 500 ETF (IVV) ... Best for Low Expenses: Vanguard S&P 500 ETF (VOO) ... Best for Liquidity and Volume: SPDR S&P 500 ETF Trust (SPY) ... SPDR Portfolio S&P 500 ETF (SPLG) ... Best for Large-Caps: Schwab U.S. Large Cap ETF (SCHX) ... Best for Maximizing Gains: iShares S&P 500 Growth ETF (IVW)
投资大白能不能请教一下弱智的问题。。 也想定投voo，穷人比如打算每个月定投1k刀这样然后长期持有十年以上吧，平时也不打算看这种投资方式，选择voo是因为费率比spy低，可能功课做的不好，搜了一下似乎应该在vanguard上购买， 然后vanguard好像要求要一万刀起步，那一下子就是10个月的预算，有点不太敢买了。 再然后voo这种怎么才能按照金额定投呢。。300刀的时候买3份？500刀的时候买2份？就觉得脑子里充满了这种傻问题不知道怎么办才好了。。 而且vanguard的收费，是不是每个月定投1k也算是交易也是要付7刀或者20刀的？还是说卖出才算交易呢。如果购买就算觉得fee是不是有点贵，毕竟金额小。。 The company charges $7 per trade for the first 25 trades, and then the cost goes up to $20 per trade. 另外还有就是复利是怎么操作的，是把分红下一年和当月定投一起买进吗？ 麻烦路过的大牛小牛也不吝赐教。先谢谢啦。 feifeiblue 发表于 2021-01-13 12:17
追 ARK 之类的感觉可能是要悲催的，今天这个 ARK 的“女神”又放消息要开个空间探索的 ETF，搞得 SPCE 等股鸡犬升天。 原因，贴个访谈里的对话。 简单地说，除非是那种不预测的纯 trading 型表现好的 fund（当然这类长期表现好的 fund 凤毛麟角，真牛的你想投钱人家还懒得理你）， buy&hold 选股型预测型的无论何品种，追明星fund或ETF是个 bad strategy，结果可能是高位站岗； 反倒是前1年或几年表现差的 fund 仔细筛选，可能有金子
" Why even the best managers don’t beat the market long-term So why not just buy those few fund managers that beat the market? The big mistake everyone makes is they assume the future will look like the past. It doesn’t. Past performance of active managers does not indicate future performance. It has no predictive value. Why is that? It’s likely because of mean reversion. In the long run — and I am talking over decades — everything tends to smooth out. Institutional investors will typically fire a fund manager who outperforms after three years and hire someone who has been outperforming. Studies indicate this is a bad strategy — you’re essentially buying a fund manager who has expensive holdings because he or she has been outperforming, and firing the manager who has cheaper holdings. So you’re buying high and selling low. The opposite of what you’re supposed to do. Right. And the few managers that outperform — it’s all because of luck? I don’t doubt that some managers have stock-picking skills, but yes, for those who outperform it’s mostly a matter of luck. And the ones who are successful see increased cash flows that creates the seeds of destruction for future outperformance. "
" Why even the best managers don’t beat the market long-term So why not just buy those few fund managers that beat the market? The big mistake everyone makes is they assume the future will look like the past. It doesn’t. Past performance of active managers does not indicate future performance. It has no predictive value. Why is that? It’s likely because of mean reversion. In the long run — and I am talking over decades — everything tends to smooth out. Institutional investors will typically fire a fund manager who outperforms after three years and hire someone who has been outperforming. Studies indicate this is a bad strategy — you’re essentially buying a fund manager who has expensive holdings because he or she has been outperforming, and firing the manager who has cheaper holdings. So you’re buying high and selling low. The opposite of what you’re supposed to do. Right. And the few managers that outperform — it’s all because of luck? I don’t doubt that some managers have stock-picking skills, but yes, for those who outperform it’s mostly a matter of luck. And the ones who are successful see increased cash flows that creates the seeds of destruction for future outperformance. " huaren2018 发表于 2021-01-14 18:36
Best S&P 500 ETFs Best Overall: iShares Core S&P 500 ETF (IVV) ... Best for Low Expenses: Vanguard S&P 500 ETF (VOO) ... Best for Liquidity and Volume: SPDR S&P 500 ETF Trust (SPY) ... SPDR Portfolio S&P 500 ETF (SPLG) ... Best for Large-Caps: Schwab U.S. Large Cap ETF (SCHX) ... Best for Maximizing Gains: iShares S&P 500 Growth ETF (IVW)
每月买入大概一定钱数的，不管多少价钱。股价高时少买几股，低时多买几股。为什么不是dollar fixed? 主要问题是不能买入半股之类的，但是也大概齐吧. 如果非要exaclty same dollar amount, 就买index fund 好了。长期投资，一个月买900，另一个月买1100 没大差别
看到这个突然想问下 我在vanguard的roth ira 是自己手动设置成dividend reinvestment 但公司的401k plan （fidelity）我定投了mutual funds之后就从来没碰过，是不是401k就默认复利自动投资了？我没有找到dividend是cash还是reinvest的选项
大家说的定投 是需要交易公司帮我们弄，还是我们需要自己可以选择的呀？自己选的话 怎么弄呢？
我记得有一种是自己选择风险系数 然后交易公司帮你匹配，% 股票，% 基金之类的。
Mark mark
然后第一步，算一下自己资产，然后每个类别有多少吧。 自己设置个大概的asset allocation, 多少放房地产，多少跟股市相关（股票，ETF， mutual fund都是股市相关），多少alternative investment, 留多少emergency cash.
然后股票的那一部分，就像楼里提的，完全不关注那就定投大盘。稍微关注一下的就大盘下调的时候多买点。再有点时间要买个股的话，可以稍微付费跟个‘抄作业’的。这样可以保证至少有大盘的收益或稍微跑赢大盘， 10%左右。再多那就要花很多时间了，研究个股，各种option trading 啊等等。
房地产的，包括买投资房，买REIT，买房地产的各种fund产品。 资产够的话alternative investment （PE， VC fund) 一般收益比较高但是好几年不能动。我知道的就这些了。
等下加一下
无声mm！想问问dis什么时候还能算dip？之前120买过，然后再也下不了手了…一去不回头
ARK是什么？
vanguard Mutual Fund 3000起步
亏了就是崩啊，赚了还好
谢谢！
另外又想到一个问题，比如我想买voo是打算持有十年以上的，那到底还需要设置一个止损点吗？ 还是就根本十年不用看的呢。。哪种比较好一点呢。。
看大家都推荐ARK， 你就往里放就行了，反正大盘不蹦肯定蹭蹭的挣钱， ARK是女神基金，股票软件里都可以买卖。
恩，我觉得也是，风险低，回报也不错。
追 ARK 之类的感觉可能是要悲催的，今天这个 ARK 的“女神”又放消息要开个空间探索的 ETF，搞得 SPCE 等股鸡犬升天。 原因，贴个访谈里的对话。 简单地说，除非是那种不预测的纯 trading 型表现好的 fund（当然这类长期表现好的 fund 凤毛麟角，真牛的你想投钱人家还懒得理你）， buy&hold 选股型预测型的无论何品种，追明星fund或ETF是个 bad strategy，结果可能是高位站岗； 反倒是前1年或几年表现差的 fund 仔细筛选，可能有金子
" Why even the best managers don’t beat the market long-term
So why not just buy those few fund managers that beat the market?
The big mistake everyone makes is they assume the future will look like the past. It doesn’t. Past performance of active managers does not indicate future performance. It has no predictive value.
Why is that? It’s likely because of mean reversion. In the long run — and I am talking over decades — everything tends to smooth out. Institutional investors will typically fire a fund manager who outperforms after three years and hire someone who has been outperforming. Studies indicate this is a bad strategy — you’re essentially buying a fund manager who has expensive holdings because he or she has been outperforming, and firing the manager who has cheaper holdings.
So you’re buying high and selling low. The opposite of what you’re supposed to do. Right.
And the few managers that outperform — it’s all because of luck?
I don’t doubt that some managers have stock-picking skills, but yes, for those who outperform it’s mostly a matter of luck. And the ones who are successful see increased cash flows that creates the seeds of destruction for future outperformance. "
我的看法正好相反。未来就是比特币，特斯拉还有空间技术。这几个方向确实会Exponential 增长。女神要的不是巴菲特那种投资，这个女人眼光还有野心都很大。总之真的不会投资的话，就跟她就好了啊。即使她的基金大亏，我都会一直等着，这是人类的信仰，她跌我也会一直Hold。个人喜好😀
另外投资股市本来就是闲钱啊，这个道理大家都应该懂吧，投资和生活要分开的。
INDEX 定投嘛，反正是被动型随大盘起伏，超长线确实是稳赢战略。
追明星 FUND 还得要思量一下，如果有时间精力，不如拿一部分钱自己炒。 当然没研究 ARK 持什么股只是泛泛说一下
不要设置止损点，你买的如果是单只股票，有可能清零，公司倒闭之类的，需要止损。voo是500个大公司的股票集合，基本没有清零的可能性。跌了还会回来的。你卖了不及时在涨时买回来就会造成低卖高买的情况。你需要在你计划用这些钱的前几年看一下，逐步换成低风险的资产就行了。 而且这500个公司也不是固定不变的，最近特斯拉就进了，踢出了一个表现不好的公司。
mark 大盘
今天看到一个视频刚好讲etf，那个博主的习惯是都有止损点，是10%，就想起来这个问题了。 好的，谢谢。还是长期不管不看就行了
mark, thanks for sharing
女神得也是ETF？这个没法定投吧。对应的mutual fund有吗？
可以设每月/每周自动从银行转入股票账户，然后手动买入etf
但是这种不是dollar fix的呀
每月买入大概一定钱数的，不管多少价钱。股价高时少买几股，低时多买几股。为什么不是dollar fixed? 主要问题是不能买入半股之类的，但是也大概齐吧. 如果非要exaclty same dollar amount, 就买index fund 好了。长期投资，一个月买900，另一个月买1100 没大差别
买了QQQ就跌了怎么办？
mark
mark
请教大拿买股票用哪家开账户比较好？买大盘的话哪家又比较好？
投资小白学习学习！
Fidelity or E*TRADE. 就 买VOO, ARK.或者来一些特斯拉，台积，按摩店。之后走势应该不错。
台积电按摩店已经很高了。还值得上车？
不知道历史会以什么方式重演，这次疯狂的股市会怎么收场。保守的我已经开始慢慢入手股票以外的其他投资了……
抱抱MM
按麽店是哪个？？
AMD吧
买大盘指数，SPY
从Roth拿出来不是一个好的方法，因为放不回去了。
每年存5万，五年翻五倍？
怎么做到一年存5万
真的假的 roth的收益不到退休就取出来是要交税和罚金的
59.5 岁就可以取
台积电是女神重仓的。
但是现在很高了呀，我当时90几忘了买了，汗，现在要不要上车
今年特斯拉有望冲1000，NIO有希望100。 芯片对于智能领域需求是肯定的。
学习了！所有的人都告诉我要开始投资，要定投，可是没人说过ETF不能定投，我这个小白 完全不懂，一直在试图弄明白到底要怎么定投,谢谢mm的解释，正好有fidelity account，准备定投FXAIX了。