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退休账户里的投资组合 (2022/3/4 更新)

(2017-12-14 21:38:01) 下一个

General guideline of asset allocation based on ages.  This is a very general guideline, you can adjust the percentage based on your risk appetite.

·                 Age 50s: 60% equity / 40% bond

·                 Age 60s: 50% equity / 50% bond

or you can use an age-based calculation:

·                 120 – (your age) = equity %

For the equity part, I would allocate 85% to total stock market index fund (VTI) or S&P 500 index fund (SPY) and 15% to international equity index fund (VXUS).  If you don't have the choice of a total stock market index fund or S&P 500 index fund, you can use 70% large cap / 20% mid cap / 10% small cap funds allocation to make up for that.

People will ask that there is no allocation of Nasdaq companies in my allocation.  Actually, 25% of S&P 500 index are high technology companies.  As of Junuary 1st, 2022, high technology companies had a weighting of 37% in S&P 500 Index.

For the bond part, I have another post to explain why you need to diversify your investment with bond, especially, near or at or after your retirement.

http://blog.wenxuecity.com/myblog/72332/201707/3070.html

If you don't want to manage these allocations yourself, you can use target-date funds if you have this choice in your retirement account or your company's 401(k) plan.

http://blog.wenxuecity.com/myblog/72332/201707/3125.html

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伯克希尔哈萨维 回复 悄悄话 谢谢您的分享!
hhtt 回复 悄悄话 回复 '南山依然' 的评论 : 谢谢来访,希望对你有帮助!
南山依然 回复 悄悄话 多谢,我就按照文章上的比例去依葫芦画瓢了!
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