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 Post subject: 401K discussion
PostPosted: 3/16/08 16:14 
Offline 模拟帐户

Joined: 10/20/06 20:09
Posts: 965

开个帖子,给上班族提供个讨论的场所。希望尽量不要把我们的血汗钱扔到一帮笨蛋fund manager手里打水漂。

注意事项:
1) 每个公司的401K提供的funds都有区别,讨论后大家各取所需 (例如我的公司就不提供short funds);
2) 注意很多funds有short term trading fee,如没有注明,一定要打电话问清楚;
3) 不要频繁操作,否则你的账户可能会被lock一年 :) (这个很不好搞,我用fidelity,any in&out within 30 days will be counted as aggressive trading.  If you have 3 aggressive tradings within a year, your account will be locked and you will only be allowed for 1 transaction for the next year.);
4) 大家讨论,想到后添上。



Last edited by dogfish on 3/17/08 15:45, edited 2 times in total

 
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 Post subject: Re: 401K discussion
PostPosted: 3/16/08 16:19 
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Joined: 10/20/06 20:09
Posts: 965
我现在40% cash, 40% bond, 剩下的在gold和公司的股票上。公司的股票是sucker, 要不然今年的ruturn还能是正的。Evil or Very Mad


 
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 Post subject: Re: 401K discussion
PostPosted: 3/16/08 18:43 
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Joined: 9/5/06 22:05
Posts: 9277
我是100% PTTRX.


 
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 Post subject: Re: 401K discussion
PostPosted: 3/16/08 18:45 
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Joined: 12/19/06 21:57
Posts: 1571
I am still 100% in stock fund, and its YTD performance is comparable to S&P :-(

Personally I don't like to time the market in 401k, I did once in year 2004, and it cost me quite a bit in hindsight. My time horizon for 401k is more than 20 years, so I am not worried as long as I feel comfortable with mutual funds...

I will only try to time the market in my regular brokage acct, which I have not been successful so far :-( 

dogfish wrote:
我现在40% cash, 40% bond, 剩下的在gold和公司的股票上。公司的股票是sucker, 要不然今年的ruturn还能是正的。Evil or Very Mad


 
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 Post subject: Re: 401K discussion
PostPosted: 3/16/08 19:50 
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Joined: 10/20/06 20:09
Posts: 965



希望会长常来指导。当market sentiment change的时候来update.

5MM经常会喊一嗓子,但是我觉得总不是系统的讨论。我开这个帖子就是希望诸位老大经常来指点。

james60007 wrote:
我是100% PTTRX.


 
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 Post subject: Re: 401K discussion
PostPosted: 3/16/08 20:44 
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Joined: 10/20/06 20:09
Posts: 965
Yes my time horizon is also more than 20 years.  It's just because of that that I wanted to play more aggrasively.  I happen to get a little time to watch market everyday; I might get lower return than just sitting with my positions.  But at least finally I can say I have tried. Smile  

Well having said that, I do not mean that I will move funds around everyday.  Most of the discussion will be at the market turning points if possible. 



omaha wrote:
I am still 100% in stock fund, and its YTD performance is comparable to S&P :-(

Personally I don't like to time the market in 401k, I did once in year 2004, and it cost me quite a bit in hindsight. My time horizon for 401k is more than 20 years, so I am not worried as long as I feel comfortable with mutual funds...

I will only try to time the market in my regular brokage acct, which I have not been successful so far :-( 

dogfish wrote:
我现在40% cash, 40% bond, 剩下的在gold和公司的股票上。公司的股票是sucker, 要不然今年的ruturn还能是正的。Evil or Very Mad


 
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 Post subject: Re: 401K discussion
PostPosted: 3/16/08 23:43 
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Joined: 8/24/06 00:16
Posts: 5061
什么打1/31 了bank fund 一直在 cash 上周想 move 进index fund, 但 miss 了 4% up 那天一直

进去买 index fund
dogfish wrote:



希望会长常来指导。当market sentiment change的时候来update.

5MM经常会喊一嗓子,但是我觉得总不是系统的讨论。我开这个帖子就是希望诸位老大经常来指点。

james60007 wrote:
我是100% PTTRX.


 
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 Post subject: Re: 401K discussion
PostPosted: 3/17/08 00:40 
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Joined: 10/20/06 20:09
Posts: 965
希望5MM带领我们的401K double. Smile

Learning wrote:
什么打1/31 了bank fund 一直在 cash 上周想 move 进index fund, 但 miss 了 4% up 那天一直

进去买 index fund


 
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 Post subject: Re: 401K discussion
PostPosted: 3/17/08 14:53 
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Joined: 10/20/06 20:09
Posts: 965
今天准备move 20%  into index fund to test water.

dogfish wrote:
我现在40% cash, 40% bond, 剩下的在gold和公司的股票上。公司的股票是sucker, 要不然今年的ruturn还能是正的。Evil or Very Mad


 
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 Post subject: Re: 401K discussion
PostPosted: 3/17/08 14:55 
Offline 模拟帐户

Joined: 10/20/06 20:09
Posts: 965
今天准备move 20%  into index fund to test water.

dogfish wrote:
我现在40% cash, 40% bond, 剩下的在gold和公司的股票上。公司的股票是sucker, 要不然今年的ruturn还能是正的。Evil or Very Mad


 
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 Post subject: Re: 401K discussion
PostPosted: 3/17/08 19:28 
Offline 模拟帐户

Joined: 8/28/06 15:09
Posts: 280
我们的401用fidelity, 里面的fund, hold 小于30天要收short term trading fee,还会警告你excessive trading,会suspend trading 6个月。
一月份的时候,我18号捞底select financial service, 到2月一号就飚了15%,怕罚没卖,好不容易熬到2/20,只剩5%,赶快卖了。
现在又比我卖的跌了11%了,不过还不能买,要等到3月20号才能从现在的bond fund里出来,不然又excessive trading了!

明天可千万不要就一飞冲天了,再等两天吧。。。

Learning wrote:
什么打1/31 了bank fund 一直在 cash 上周想 move 进index fund, 但 miss 了 4% up 那天一直

进去买 index fund
dogfish wrote:



希望会长常来指导。当market sentiment change的时候来update.

5MM经常会喊一嗓子,但是我觉得总不是系统的讨论。我开这个帖子就是希望诸位老大经常来指点。

james60007 wrote:
我是100% PTTRX.


 
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 Post subject: Re: 401K discussion
PostPosted: 3/17/08 20:12 
Offline 模拟帐户

Joined: 10/20/06 20:09
Posts: 965
You should call and make it clear.  My Fidelity rep told me that I will get warning in mails for the first 2 times of excessive trading.  My account will be locked if I have the third one within a year. So there are still 2 times you can cross the line. Smile
Also some funds have short term trading fee (usually 1% or 2%), but some don't.

hoegaarden wrote:
我们的401用fidelity, 里面的fund, hold 小于30天要收short term trading fee,还会警告你excessive trading,会suspend trading 6个月。
一月份的时候,我18号捞底select financial service, 到2月一号就飚了15%,怕罚没卖,好不容易熬到2/20,只剩5%,赶快卖了。
现在又比我卖的跌了11%了,不过还不能买,要等到3月20号才能从现在的bond fund里出来,不然又excessive trading了!

明天可千万不要就一飞冲天了,再等两天吧。。。



 
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 Post subject: Re: 401K discussion
PostPosted: 3/18/08 17:44 
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Joined: 10/20/06 20:09
Posts: 965

Yesterday's move provided some buffer for future pull-backs.  I am not sure if this is the bottom yet; but Fed has shown the gesture and determination – only terrible terrible news could sink the market to new low in mid-term.  I would recommend adding positions when you see healthy pull backs.  YMYD.  :)

 


dogfish wrote:
今天准备move 20%  into index fund to test water.



 
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 Post subject: Re: 401K discussion
PostPosted: 4/22/08 12:42 
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Joined: 10/20/06 20:09
Posts: 965
Shifted money from index fund to money market before yesterday's close.  11% gain on this portion. Smile

dogfish wrote:

Yesterday's move provided some buffer for future pull-backs.  I am not sure if this is the bottom yet; but Fed has shown the gesture and determination – only terrible terrible news could sink the market to new low in mid-term.  I would recommend adding positions when you see healthy pull backs.  YMYD.  :)

 


dogfish wrote:
今天准备move 20%  into index fund to test water.



 
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 Post subject: Re: 401K discussion
PostPosted: 5/8/08 20:48 
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Joined: 1/15/07 20:07
Posts: 1010
我的401K也在Fidelity。选择还是有一些的。但就是没有自然资源的。给公司负责的提了这个要求也没有结果。

去年DOW跌倒13500时我吓得出了一半。那50%直到现在还是cash状态。剩下的在domestic和international里平均。后来DOW再上14000时候郁闷了一阵。但因为我觉得经济的fundamental不好,所以一直没有再上。

因为实在感觉大趋势是bearish的,今天我出了5%。以后大盘rally一回我就出一些。还没想好如果大盘跌下来要不要斩仓。


 
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