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手上多余的现金应该怎么投到股市里? (2019/8/26 更新)

(2018-03-29 09:08:02) 下一个

First of all, we are not talking about your regular scheduled contributions to your 401(k), 402(b), 457(b) or IRAs.  For those contributions either by every paycheck period or on your own schedule, you allocate the money to buy funds.  You should continue to contribute to your retirement accounts without fail.  You should never time the market with your retirement savings!

http://blog.wenxuecity.com/myblog/72332/201801/19668.html?

This is not what we are talking about here!  We are talking about the extra cash from selling a property, receiving a cash gift from your parents, etc.  When and how do you put the cash into the market?

You need to wait for an entry point to get into the market.  The entry point would be either a recession or a correction.  A recession is by definition two consecutive quarters of negative GDP and a correction is the broad equity market down 10% from its high.  When we say the broad equity market, we usually refer to S&P 500 Index. 

At this point, we don't see a recession on the horizon.  S&P500 Index has reached an all-time high of 3,027 on July 26th!  10% pullback will be around 2,725 level.  While you are waiting for an entry point, I would suggest you to leave your cash in 3month CD for now.  You can also put them in US treasury, check the following link.

https://www.treasurydirect.gov/.

When the entry point level has reached, you should put the money into the market with a dollar cost average method which will help spread your risk around. 

http://blog.wenxuecity.com/myblog/72332/201810/34880.html

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hhtt 回复 悄悄话 回复 'polebear' 的评论 : 谢谢来访!
polebear 回复 悄悄话 很有用的信息,谢谢分享
hhtt 回复 悄悄话 回复 'jlx_2010' 的评论 : S&P 500 Growth Index 和 S&P 500 Value Index 的区别是,有的年份,Growth好过Value,有的年份,Value好过Growth。长期投资应该买Index,可以买S&P500 Index Fund (500 stocks) 或者 Total Stock Market Index Fund (3000 stocks).
jlx_2010 回复 悄悄话 S&P 500 Growth Index 和S&P 500 Value Index 有啥区别?长期投资应该买哪种?
若雨 回复 悄悄话 学习了,谢谢!
hhtt 回复 悄悄话 回复 'hz82000' 的评论 : 谢谢hz姐姐来访。
hz82000 回复 悄悄话 谢谢
hhtt 回复 悄悄话 回复 'Jix2377' 的评论 : 谢谢来访。401K 百分之百放在 equity funds 没有什么错!但你要根据你的年龄做资产分配。


Jix2377 回复 悄悄话 大佬这么不看好美国股市吗?我可能太激进了,401k 里全是equity funds。看来要撤出来些了。真希望更早些看到投资房产的信息,至少现在意识到了。谢谢你们这些热心鼓动投资房产的热心人!
hhtt 回复 悄悄话 回复 'feifei001' 的评论 :

We are talking about the broad stock market and the index I am using here is S&P 500. On April 23rd, it closed at 2,670 and last Friday June 1st, it closed at 2,734. It went up about 2%. Not a lot!
feifei001 回复 悄悄话 从4/22 到现在股市涨了好多了
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