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难得糊涂。望能帮助大家解答投资理财的问题。使大家在投资理财的过程中, 不马马虎虎以及不糊糊涂涂被人忽悠, 尽快实现财务自由。
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TherealS&P500startedonFebruary27th,1957.Thedatabeforethatcannotbeusedforreturncalculationpurposessincetheindexwasnot500stocks.Ithasverysmallnumbersofstockscalled'CompositeIndex'.Startingin1957,wehave60yearsdatatouseforcalculatingthereturnswhichisaround10%averageannually. [阅读全文]
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(2017-07-04 10:55:26)
Myunderstandof'炒股'isdaytradingandquickturnoverofstocks.Saying1%to5%daytradersmakingmoneyistoogenerous.Actually,onlylessthan1%daytradersmakemoney.Therestofthemusuallydisappearinabout2to3yearssinceitisveryhardtomakemoneyconsistentlyforalongperiod.Daytradingcanproduceprofitinashortperiodoftimewhenthemarketisuplikerightnow. Remember1999?Everyonewasatraderandeverythingyouboughtwasgoingup.T...[阅读全文]
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Wheneveryouswitchajoborretirefromacompany,youshouldalwaysrolloveryour401(k)or403(b)fromyourpreviouscompanytoanIRAaccountcalledRolloverIRAwithFidelity,CharlesSchwaboranyotherbrokeragecompanies.TherearenoanytaxconsequencieswhenmovingyourmoneyovertoaRolloverIRAaccount.Youshouldnotleaveitwiththeirpreviouscompanyorrollovertoyourcurrentcompany's401(k)or403(b)plan. Somecompaniesevenwillletyoutorol...[阅读全文]
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Ihavebeenreadingthepostsin投资理财and大千股坛.Therearealotofpoststhatareveryinterestinginbothforums,butIlikethepostsin投资理财better. Myimpressionaboutthepostsin大千股坛isthatmostpostsaretalkingaboutveryshort-terminvestments,quiteofthemaredaytradingorshorttermtrading,whichgenerallyIwouldlabeltheactivityas炒股.Ithasbeenproventhat99%day-traderslosemoneyandwilllastabout2to3years.Sothereisnoassetal...[阅读全文]
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Mostofushaveverygoodjobs.OverallAsianisthehighestincomegroupamongWhite,BlackandHispanic.AmongtheAsians,wearethesecondhighestgroupwhichmeansthatwearethesecondhighestincomegroupinthenation.Thus,weshouldlivelikethesecondhighestincomegroup,butwedon't.Weliveveryfrugalandbehavelikepoorpeople.Idon'tmeanallChinese,butquitefewofus. Welikefood.Wherethereisfood,thereareChinese.Ourclothessmellbecau...[阅读全文]
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Goldisnotsuitableforourretirementinvestmentgoal.Goldisapartofanassetclasscalled'PreciousMetal',butitisnotanincomegeneratingasset.Investingingoldisaspeculativeplaytowaitforitsappreciation,notlikeinvestmentinrealestate,bondordividendpayingstockwhichwillproduceincomeforyourretirementneeds. Ifyouareahighnetworthinvestor,Iwouldthinkthatyouwillneedtoinvestingold,justasanassetclassinyourwholep...[阅读全文]
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(2017-07-04 10:26:52)
ThisismypostinaTrumptaxcutdiscussion. TherearealotcountrieswhichhavehighDebt/GDPratio,ChinaandJapanforexample.ButChinaGDPisgrowingat6to7%pacewhichisalothigherthanUS.USGDPhasbeengrowingatrateof1.5to2%forthepast9years.AslongasyouhaveadecentGDP,youshouldbeabletoserviceyournationaldebt.That'swhyChinacanhandleahigherdebtratiothanUS.Wecanhandleourratioof100%,thatisnoquestionaboutit.Butwecannothan...[阅读全文]
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2008wasaveryuniquerecessionandseverityinrecentmemory.Ihavemadeastatementinoneofmyposts,Ihavesaidthatwewillnotseeanother2008inourlifetime,orIshouldsaythatthechanceofanother2008typeofrecessionisalmostzero.Theonlyrecessionmoreseverethan2008was1929calledGreatDepression. WhyIamsayingthatwewillnotseeanother2008recessioninourlifetime?2008isaperfectstorm,everybadthingshappenedatthesametime.Putitsimply,...[阅读全文]
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Isitthetimetoinvestinarentalproperty?Beforeansweringthequestion,youneedtoaskyourselftwoquestions. 1.Willtherentalpropertyhaveapositivecashfloworbreakeven? 2.Doesyournewrentalpropertyinanareahaveanappreciationpotential? IfyouhaveYESforbothquestions,itisabuy!Butactually,theanswerisnotthatsimple.Youneedtolookatyourareaofpopulationgrowth,jobmarket,school,etc.Iwouldconsiderthefirstbuyingquesti...[阅读全文]
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Investmentisaverypersonalthingandhasmuchtodowithyourknowledge,experienceandrisktolerance. Formostofinvestors,astockmarketindexfundlikeSPY,VOOoratotalstockmarketindexfundlikeVTIissuitableforthemsinceitishighlydiversifiedwithlowrisk.Thatiswhyyouwillfindtheminmostof401(k)plans. ThesectorfundsinvestinaparticularbusinesslikeXLF,XLU,etc.andtheyarenotasdiversifiedasindexfundsandtheriskprofileishigh...[阅读全文]
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