博文
(2017-03-10 10:06:03)
Q:大家能说说找一个好的FinancialAdvisor重要吗? A:Youdon'tneedaFAtoopenaRothIRA.YoucanopenoneyourselfinVanguardorFidelityorCharlesSchwab.Asforwhattoinvest,atthispointwiththeequitymarketatalltimehigh,youcangetintothemarketbyusingthedollar-costaveragingmethod.Meanwhile,pleaseread'CommonSenseonMutualFunds'byJohnBogle.Youshouldlearnsomethingaboutinvesting.Goodluck. [阅读全文]
阅读 ()评论 (0)
Yourfriendretirementbudgetis$20Kayear.Toproducethat$20K,he/sheneedsretirementassetof$500Kwith4%withdrawalrate.The4%ruleisaverycommonpraticeinretirementfinancialplanning.The$500Kassetisnotbeingtouchedanditwillgrowsincetheinvestmentreturnwillbemorethan4%. Yourcalculationisbasedonage.Firstofall,yourplanisbasedonaperson'sretirementbudgetandagetofigureouthowmuchhe/sheneeds,whichisimpossibletocal...[阅读全文]
阅读 ()评论 (0)
(2017-03-01 19:46:49)
Ibetyouthatbothofthemhavenotdonetheannualcheckupforawhile.Otherwise,highbloodpressureshouldbedetectedduringthecheckupanditcanbecontrolledbymedicationorchangingeatinghabit. Theotherthingisthatmostpeoplethinkdoingregularexerciseisenoughwhichisnotcorrect.Theyhavetowatchwhattheyeataswell.Thatiswhyyouseealotoffatpeopleingym.Ihopethattheyareondietaswell. [阅读全文]
阅读 ()评论 (0)
(2017-02-26 11:20:16)
Saying1to5%DTtradersmakemoneyistoogenerous.Actually,onlylessthan1%DTtradersmakemoney.Therestofthemusuallydisappearinabout2to3yearssincetheyarenotmakingmoneyinalongperiod.DTcanproduceprofitinashortperiodoftimewhenthemarketisuplikenow.Remember1999?everyonewasatraderandeverythingyoubuyismakingmoney.Then,whathappened?Nooneistalkingaboutanymore.Remember2005,everyonewasalandlordoramortgatebroker,thenthe...[阅读全文]
阅读 ()评论 (0)
Thisisreallyastrangleorstraddledependingonthestrikeprices.Shortingastrangleorastraddleinthismarketissuiside.Goodluck. [阅读全文]
阅读 ()评论 (0)
(2017-02-25 15:08:29)
99%DTtraderswilldisappearin3yearssinceitisveryhardtomakemoneyconsistentlyforalongperiodoftime.PleasereadBenjaminGraham's'TheIntelligentInvestor'and'TheWarrenBuffettWay'.Thesebookswillhelpyouunderstandhowtoinvest.Beaninvestor,nottrader.Goodluck. [阅读全文]
阅读 ()评论 (0)
(2017-02-25 15:08:12)
Youareright.Youhavelimitedprofitandlimitedlosswithironcondor.Butitdoesnotmeanthatyouwillmakemoney.Justyouhavelimitedrisk. [阅读全文]
阅读 ()评论 (0)
(2017-02-25 15:07:49)
Stockmarketiszerosumgame.Theregotbesomeonewhoismakingmoneyifyouarelosing.ItisagambleandnotagamblelikeVegasbecausetheoddsare50/50.Futureearningplaysabigroleontheprice,investorfavorplaysarolewhichtraslatessupplyanddemandofthestock,etc. [阅读全文]
阅读 ()评论 (0)
401Kisalongterminvestmentforyourretirement.Thequestiontotransfermoneytobondshouldbelookedthisway.Itshouldbeanassetallocationquestionbasedonyourage.Asyouareclosertoyourretirementage,youshouldhavemovemoreassetstobonds.TheallocationthatIwilluseis70equity/30bondwhenyouareinyour40's,60/40whenyouare50's,and50/50at60's.Buttheseallocationisjustaguideline,youcanholdmore%ofequitythanbondifyouhav...[阅读全文]
阅读 ()评论 (0)