|
|
本帖最后由 ctcld 于 2011-6-16 18:57 编辑
正常情况下，401K是长线投资，因为这是你满59.5岁后才能享用的财富。也许有人不喜欢投资这个词儿， 说投资操作比较落伍，没有投机操作爽快。但银幕里投资家多数是脑满肚肥的，而投机家多数是尖嘴猴腮的。这大概就是长线投资和短线投机的差别吧。
以下给出点401K 投资的TIP 仅供参考
1，Explore your 401k web site (almost all offer one now) and learn the funds that are available to you. Find the ticker symbol that represents each option, if one is available. If there is no ticker symbol, then read the information to find out what index the fund may compare itself to.
2，Visit an established web site that offers stock charts, like startcharts, and enter your fund symbols. startcharts and other sites allow you to enter more than one symbol to compare them. Enter a fund, and then enter the major indexes, $RUT (Russell 2000 small cap), $MID (mid cap), $SPX(SP500), $COMPQ (Nasdaq), and use symbol EFA to compare with foreign funds
3，Once you have discovered which index your fund tends to follow (it will be obvious on the charts) then pick one or two funds that follow the $RUT, one or two that follow the $MID, one or two that follow the EFA (foreign funds are usually easy to spot by their names), and finally one or two that follow the Nasdaq. Choose 3 - 6 funds, and at least one from each type.
4，Get in the habit of checking the indexes on a daily basis, or at least a couple of times a week, at about lunch time. While you will generally not move money around too often, when it is time you need to know, so you have to be aware of the indexes on a regular basis.
5，Know your options. In every 401k, there is an option for a Money Market fund, a 'Stable Value' fund, that does not invest in stocks, and generally never goes down. These funds return small amounts, but the advantage is that they don't go down! Within your 401k, you can take advantage of this by moving all of your investment into the stable money option when the market in general is in a down turn. Actually, you can lose money if it's all in a money market. All plans have fees, even if only TPA fees, and if participants share these costs, money market accounts paying .06% can't cover them.
6，Explore your 401k site to learn how to move your money from fund to fund. Some are very straight forward, other sites are a little difficult. Once you know how, you'll have no problem.
7，Watch whether the market is going up, or going down, or worse... sideways. The most basic, simple indicators around is the simple moving average that almost every web charting site can do. For funds and longer term investments, you should choose to use either the 63 day moving average (1 quarter) or the 250 day moving average (1 year). Using 63 days will mean a few more trades, but over 20 years can earn much more over the 250 day average
8，Watch the indexes, and watch your funds if they have symbols. While the price is over the average you choose to use, be in the Funds in your 401k. When the price is below the average you use, be in the Money Market, or stable value option that does not lose money! Move your investments to the stable option as soon as the indexes and funds move below the average you use.
9，Be aware of other helpful indicators. With long-term investments like retirement accounts, use the 63 days and 250 days for all three very effective indicators, the moving average (use both Simple and Exponential at the same time for better effect); the MACD or Moving Average Convergence/Divergence; and the Stochastic. startcharts is one site that lets you put in the 250 and 63 day times for the Stochastic indicator.
10，Don't worry about other indicators that haven't been mentioned here; learn what you can about the Simple and Exponential Moving Averages, MACD, and Stochastic. When all three of these indicators agree about a change in direction, you can bet heavily that the change is really happening. Information about these three indicators are everywhere, but the one piece left out or never mentioned is the best time frame to use. For 401k and longer term, use 63 and 250 days.
11，Do it. Do it. Do it. Many people lost 70-80% of their retirement between the Tech market dive in 2000 and the difficulties with 9/11. Anyone watching the 63 day (quarterly) average, MACD, and Stochastic would have saved almost all of their investments by getting out when all three indicators agreed |
评分
-
6
查看全部评分
-
|
狗仔卡
发表于 2011-6-14 10:44 PM
提升卡
置顶卡
沉默卡
喧嚣卡
变色卡
