|
楼主 |
发表于 2011-8-4 12:28 PM
|
显示全部楼层
plankton 发表于 2011-8-4 11:47 
how can you sell your funds so quickly? mine all requires 3 month holding period.
I have parked my 401K money in the money market fund. There are totally around 20-30 funds available. Most of them have a constraint on the the round trips you can make within certain period of time, 60 or 90 days and prevent you reusing them if you trades reach the limits. I just got my money into 2 funds without that kind of limit and the funds basically follow SPX. So I can get out in case something is wrong without penalty. In case I have to use any funds with constraints, I will use them once within the permitted time ans switch to the other if I have to trade more.
The bottom line is, do not use "diversification" for your money in your retirement plan. Most funds have been diversified already and generally follow SPX. It is overkill to use the diversification again, and your money will be trapped into those funds with time requirements. |
|