第一类是被动基金 （基本没人管理，费用收很少） 选择对很关键。如果你还要工作至少5年以上，被动基金最好有一项是大盘指数基金， 如FSKAX （Fidelity Total Market Index Fund）, YTD今年有15.61%，$106.36, expense ratio 0.015%，费用可以不计了。
3 COVID-Proof Retailer Stocks You Can Buy Now These winners during the pandemic will continue to win once we return to normal. Jamal Carnette, CFA (TMFJcar) Dec 19, 2020 at 5:45AM Author Bio
Binary narratives are powerful, mostly due to their simplicity. Ultimately, there's something authoritative in believing one solution is clearly right and the other is definitively wrong. Unfortunately, this simplicity obscures the fact that binary narratives are often wrong, mostly owing to the fact that things are more nuanced than they initially appear.
In today's stock market, the biggest such narrative is the "stay-at-home trade" versus the "reopening trade." In the retail sector, this narrative is certainly not true. In fact, the winners during the COVID-19 pandemic will be the ones that will continue to win when we return to normal.
Therefore, COVID-proof companies that invested in the e-commerce channel, like Walmart (NYSE:WMT), Target (NYSE:TGT), and Amazon (NASDAQ:AMZN), will continue to win share.
Target saw a worried public stocking up on food and essentials like medicine and cleaning supplies during the lockdown period. The retailer also saw a boost in products related to in-home activities, such as home office and entertainment needs.
Mutual Fund基金有两类，我买了就放在那就行。YMYD。
第一类是被动基金 （基本没人管理，费用收很少）
选择对很关键。如果你还要工作至少5年以上，被动基金最好有一项是大盘指数基金， 如FSKAX （Fidelity Total Market Index Fund）, YTD今年有15.61%，$106.36, expense ratio 0.015%，费用可以不计了。
第二类是主动基金 （基金经理和团对管理，和ETFs 类似，回报大，收一定的费用）。有机会还是要看看回报高的主动基金的。下面是我这段时间研究了至少60-70个基金后买入的，我有意避开了价位已经很高的一些基金。
1. FSPTX (Fidelity Select Technology Portfolio), YTD 53.16%， $26.56, expense ratio 0.7%。都是大科技公司，回报很好。
2. FBIOX (Fidelity Select Biotechnology portfolio), YTD 31.39%, $26.03, expense 0.7%。和ARKG类似，刚分红我现在从低位开始建仓刚好。
3. FSRPX (Fidelity Select Retailing Portfolio)，，在2020 疫情之下还有YTD 38.77%， $22.62， expense ratio 0.7%.
Mutual fund 除了expense ratio 之外要看 front-end load 和 back-end load.
这是 fidelity 列出来的 Macgx 的 load:
Front End Load 5.25% Front-End Load Schedule $0.00 - $24,999.00 5.25% $25,000.00 - $49,999.00 4.75% $50,000.00 - $99,999.00 4.00% $100,000.00 - $249,999.00 3.00% $250,000.00 - $499,999.00 2.50% $500,000.00 - $999,999.00 2.00% $1,000,000.00 - $3,999,999.00 0.00% $4,000,000.00 - $999,999,999.99 0.00%Top 10 Holdings 7
AS OF 9/30/2020
66.85% of Total Portfolio
你列的其他fund 我没查。
影响，现在好像都又红火了。
https://www.fool.com/investing/2020/12/19/3-covid-proof-retailer-stocks-you-can-buy-now/?source=eptyholnk0000202&utm_source=yahoo-host&utm_medium=feed&utm_campaign=article
3 COVID-Proof Retailer Stocks You Can Buy Now These winners during the pandemic will continue to win once we return to normal.Binary narratives are powerful, mostly due to their simplicity. Ultimately, there's something authoritative in believing one solution is clearly right and the other is definitively wrong. Unfortunately, this simplicity obscures the fact that binary narratives are often wrong, mostly owing to the fact that things are more nuanced than they initially appear.
In today's stock market, the biggest such narrative is the "stay-at-home trade" versus the "reopening trade." In the retail sector, this narrative is certainly not true. In fact, the winners during the COVID-19 pandemic will be the ones that will continue to win when we return to normal.
Therefore, COVID-proof companies that invested in the e-commerce channel, like Walmart (NYSE:WMT), Target (NYSE:TGT), and Amazon (NASDAQ:AMZN), will continue to win share.
不完全是网购， Macy的网店不差的。
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So how has Coronavirus impacted the stock?
Target saw a worried public stocking up on food and essentials like medicine and cleaning supplies during the lockdown period. The retailer also saw a boost in products related to in-home activities, such as home office and entertainment needs.
https://www.forbes.com/sites/greatspeculations/2020/07/10/whats-next-for-targets-stock-after-a-30-rally/?sh=2f549fc16393