我的假设
2022年1月1日投入10000刀，然后每月DCA1000刀，这样总注入资金为34000刀
分成三个portfolios, 分别买入SPY，DIA 和QQQ，其分红全dividend reinvest
2023年末
SPY $40109 / $34000 = 1.17967647059
DIA $40281 / $34000 = 1.18473529
QQQ $43097 / $34000 = 1.26755882
注意了，这是在大盘从高点下落在回到高点的performance！
绝对不是绝大多数人以为的没变！无脑定投还是挺不错的
下面的衔接是你们自己去玩吧，这样会对DCA和dividend reinvestment的power有了解
https://www.portfoliovisualizer.com/backtest-portfolio
对已经退休的人群来说，财富持续增长当然很要紧，但在市场不怎么增长的阶段里，portfolio随着distribution的变化更重要。假如把 ”每月定投1000“ 换成 ”每月定取出100“，你会发现BRK.B比那三个指数结实得多。
也有一天炒不动的时候， 不也要靠留在股市里的钱过日子。
and if you do not have 1M liquid wealth to invest yet, focus on your w2 and don't worry about investing.
career = investing in yourself.
just max out your retirement acct and go 100% SP500 until you reach 1M.
if market is trending UP, you want to go all in at the very beginning.
if market is tredning down, you want to wait until the every end to catch knife.
the problem is you only know which way market is trending ex post.
SPY tends to mean revert and good candidate for DCA.
QQQ tends to trend more, but it can trend in both directions. It is not a good candidate for DCA.
我的假设
2022年1月1日投入10000刀，然后每月DCA1000刀，这样总注入资金为34000刀
分成三个portfolios, 分别买入SPY，DIA 和QQQ，其分红全dividend reinvest
2023年末
SPY $40109 / $34000 = 1.17967647059
DIA $40281 / $34000 = 1.18473529
QQQ $43097 / $34000 = 1.26755882
注意了，这是在大盘从高点下落在回到高点的performance！
绝对不是绝大多数人以为的没变！无脑定投还是挺不错的
下面的衔接是你们自己去玩吧，这样会对DCA和dividend reinvestment的power有了解
https://www.portfoliovisualizer.com/backtest-portfolio
对已经退休的人群来说，财富持续增长当然很要紧，但在市场不怎么增长的阶段里，portfolio随着distribution的变化更重要。假如把 ”每月定投1000“ 换成 ”每月定取出100“，你会发现BRK.B比那三个指数结实得多。
也有一天炒不动的时候， 不也要靠留在股市里的钱过日子。
and if you do not have 1M liquid wealth to invest yet, focus on your w2 and don't worry about investing.
career = investing in yourself.
just max out your retirement acct and go 100% SP500 until you reach 1M.
if market is trending UP, you want to go all in at the very beginning.
if market is tredning down, you want to wait until the every end to catch knife.
the problem is you only know which way market is trending ex post.
SPY tends to mean revert and good candidate for DCA.
QQQ tends to trend more, but it can trend in both directions. It is not a good candidate for DCA.