２００７股票投资总结

到１２／２8为止，俺和太太的退休账户的投资回报为８。７％。除了今年的８０００块IRA还在现金账户，所有钱都在如下四个fidelity mutual fund里：Contra (~33%),Divident Growth(~31%), Export and Multination (~8%), and Value (~28%)。

四个基金，Contra 和Export and Multination 表现不错。Divident Growth 和Value表现比SP500差。而去年，正是Contra和Export and Multinantion表现不如Sp500。今年表现好的股票是big-cap growth, 所以，俺去年年中根据一些专家的分析（Growth stocks would out-perform value stocks since value had been out-performed grwoth for many years.)作的一些调整还是正确的。所以，看专家的分析，一定要从大方向着手，而不是短期预测。

今年通过退休账户在股市的投资不错。估计俺在pension里的钱的利息也在８。５％。所以，整体回报在８。６％左右。这个回报比SP500要高。

新年的调整方向还没有想好。刚刚把Divident Growth Fund卖掉，换成Fidelity的Select Financial Service 和Select Brokeage and Investment Management Portfolio。Divident Growth Fund 是去年Money杂志选出来的７０个基金，可惜近年一直表现不如人意。换成finacial service的基金，就是看到今年这个方面的股票下跌比较惨。反正我是长线投资，所以，这些大银行的股价早晚会回来的。这是我第一次选择sector fund，连女儿都说这是一大进步。 

２００８年得减少往退休账户里放钱了－－女儿要上大学，得把钱转到她的学费上去。明年的目标是往退休账户上放１８K。刚刚把２００８年的IRA寄出去，加上２００７的八千块还在现金里，估计２００８上半年就是观察股市，找一个好的时机进去。至于投资回报，就是听天由命了。

（１２／２９／２００７）

[A-mao]

Thanks for your suggestion. I am a little reluctant at this moment since the internation markets have been out-performed U.S. market for quite a while. I will wait until the U.S. out-perform the international stock markets for a couple of years, then jump in.

Thanks again!

[henry_top1]

A-mao,

If you can, put some of you 401K to international fund. International funds had better return in the last 3 years.