Y***o
发帖数: 4135 | 1 My Fidelity 401k YTD is -6.5%. Given this bad market, I want to keep my 401k
contribution similar to cash saved in bank. I was trying to find the right
one to for my future contribution, but still confused. In my Fidelity 401k,
there is an investment option called "PIMCO TOTAL RETURN R"; it is
classified as: Bond Investment, Subclass=Income. Is this kind of like cash account?
or this one, "FIDELITY PRIME FUND"?
If not the above two, which one is the "cash"-like one in the following list??
Thanks | c*****x
发帖数: 429 | 2 Short-Term Investments - FIDELITY PRIME FUND | Y***o
发帖数: 4135 | 3 Thanks for confirming on this!
If you do not mind to share --Which one would you preferred to put 401k $
into at this time? By the way, what % do you put to this cash-like account
in this market?
The Pimco Total Return R had 4.9% YTD return so far though, the best in the
list.
【在 c*****x 的大作中提到】
: Short-Term Investments - FIDELITY PRIME FUND
| s********n
发帖数: 1962 | 4 When we talk about investment, it's always important to keep in mind
that we are seeking long-term future return, but not short-term past
return. Blindly chasing performance is one of the biggest mistakes you
can make.
When you see something good, you need to ask why it was doing good,
and whether it will do the same good in the future, instead of just
saying "hey, let's jump into it."
When you see something bad, you need to ask why it was doing bad,
and whether it will do the same bad in the fu
【在 Y***o 的大作中提到】
: Thanks for confirming on this!
: If you do not mind to share --Which one would you preferred to put 401k $
: into at this time? By the way, what % do you put to this cash-like account
: in this market?
: The Pimco Total Return R had 4.9% YTD return so far though, the best in the
: list.
| Y***o
发帖数: 4135 | 5 老大说的是！ 谢谢。
【在 s********n 的大作中提到】
: When we talk about investment, it's always important to keep in mind
: that we are seeking long-term future return, but not short-term past
: return. Blindly chasing performance is one of the biggest mistakes you
: can make.
: When you see something good, you need to ask why it was doing good,
: and whether it will do the same good in the future, instead of just
: saying "hey, let's jump into it."
: When you see something bad, you need to ask why it was doing bad,
: and whether it will do the same bad in the fu
| r****1
发帖数: 2299 | 6 20% large cap, 20% mid cap, 15% small cap, 15% international, 15% bond, 15%
cash. 每个月定期这么存下去，每年REBALANCE，把超过百分比的卖掉一些（赚钱的）
，把低于百分比的买回一些，就这么下去，LONG TERM来讲没问题的。
当然，这种投资法在熊市比较吃亏，因为大部分还是以股票为主，但是理论上讲股票一
直跌，你也每个月一直AVERAGE DOWN，所以没什么大问题的，除非美国整体经济崩溃。 | g*****g
发帖数: 34805 | 7 How long is long? The last 10 years, SPX was at loss.
Between 1964-1984, stock market has no gain.
%
【在 r****1 的大作中提到】
: 20% large cap, 20% mid cap, 15% small cap, 15% international, 15% bond, 15%
: cash. 每个月定期这么存下去，每年REBALANCE，把超过百分比的卖掉一些（赚钱的）
: ，把低于百分比的买回一些，就这么下去，LONG TERM来讲没问题的。
: 当然，这种投资法在熊市比较吃亏，因为大部分还是以股票为主，但是理论上讲股票一
: 直跌，你也每个月一直AVERAGE DOWN，所以没什么大问题的，除非美国整体经济崩溃。
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