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最近想拿出闲钱的一部分来买

 发信人: baoniao (胡礼), 信区: Investment
标  题: Re: 500伪币求指导：最近想拿出闲钱的一部分来买Vanguard ETFs～～
发信站: BBS 未名空间站 (Fri Aug  9 03:14:07 2013, 美东)

既然是买vanguard，那不妨就用最正统的diversification：

Vanguard Large Cap ETF (VV)
Vanguard Small Cap ETF (VB)
Vanguard Small Cap Value ETF (VBR)
Vanguard Europe Pacific ETF (VEA)
Vanguard Emerging Markets ETF (VWO)
Vanguard Total Bond Market ETF (BND)

bond远比stock要复杂，而且现在bond市场又不好，与其花精力研究，不如就选个total
bond。

相互的比例就看你对risk的态度（主要就是最后一个bond的比例）。然后每隔一年
rebalance一次。

REIT和VYM不要买，这类基于divident的ETF只对tax-efficient帐户有意义。

最后，既然你是买ETF而不是mutual fund，那就完全没有必要限制于Vanguard。




长期投资我最近一直在研究
1.以你父母名义凭护照在好几个broker开投资账户可以不在美国缴税，收益在中国交不
交税很难讲，自己打听吧。
2. 如果不care收益，从财富diversity角度可以找投资公司，不过一般都不如自己管理
，最大的风险是几年一个周期，比如说熊市，赚的赔进不说，本钱都不保险。
3.稳妥的方式是买几种互补的etf，定期rebalance，你可以google一下，很多

 

 

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