미국서 retirement plan있는 잡은 작년에 처음 시작해서, 이제 1년좀 안되었는데, 첨에 멋모르고 retirement 2040 fund로 선택해서 맥스로 붓고 있습니다. 현재 2만불 조금 넘게 들어있네요. 이제 정신좀 차리고 제대로 계좌 관리좀 하려 들여다 보고 있는데, 조언 좀 부탁드립니다.
수수료 최대한 낮을걸로 고르라는 글을 보고, 수수료 낮은 순으로 정렬을 해보았는데 젤 낮은 Equity index 500 fund에 50%넣고 US bond enhanced index에 나머지 50%정도 놓으면 될까요?? 회사 구좌는 Trowe price입니다. 수수료 젤싼거도 0.22%나 되네요. 지금 붓고 있는펀드는 무료 0.72%....
이제 40대 중반이고 희망사항은 20년쯤 일하다 은퇴할 계획인데...... 이것저것 삽질많이 하다 늦게 정착을 해서 집도 없고 돈도 전혀 모아둔게 없어 뭐 70까지도 일해야할것 같기도 하구요 ㅠ
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EQUITY INDEX 500 FUND PREIX + 3 Redemption fee: 0.50% - 90 days or less |
-13.56% | -4.58% | -4.58% | 9.01% | 8.24% | 12.85% | 9.18% 03/30/1990 |
0.22% | 0.21% | Contractual Expires 04/30/2020 |
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TOTAL EQUITY MARKET INDEX POMIX + 10 3 Redemption fee: 0.50% - 90 days or less |
-14.29% | -5.59% | -5.59% | 8.72% | 7.68% | 13.04% | 6.69% 01/30/1998 |
0.30% | 0.30% | N/A |
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US BOND ENHANCED INDEX PBDIX + 3 Redemption fee: 0.50% - 90 days or less |
1.66% | -0.01% | -0.01% | 2.16% | 2.56% | 3.51% | 4.46% 11/30/2000 |
0.30% | 0.30% | N/A |
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EXTENDED EQUITY MARKET INDEX PEXMX + 10 3 Redemption fee: 0.50% - 90 days or less |
-18.11% | -9.66% | -9.66% | 7.31% | 5.16% | 13.52% | 7.57% 01/30/1998 |
0.35% | 0.35% | N/A |
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T ROWE PRICE GOVERNMENT MONEY PRRXX 1 2 3 4 |
0.48% | 1.48% | 1.48% | 0.67% | 0.40% | 0.23% | 4.74% 01/26/1976 |
0.44% | 0.40% | Contractual Expires 09/30/2019 |
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INTERNATIONAL EQUITY INDEX PIEQX + 11 3 Redemption fee: 2.00% - 90 days or less |
-12.70% | -14.27% | -14.27% | 3.21% | 0.53% | 6.18% | 3.55% 11/30/2000 |
0.45% | 0.45% | N/A |
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SHORT-TERM BOND FUND PRWBX + 3 |
0.64% | 1.38% | 1.38% | 1.43% | 1.10% | 2.20% | 4.87% 03/02/1984 |
0.47% | 0.47% | N/A |
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U.S. TREASURY LONG-TERM FUND PRULX + 3 |
4.20% | -1.87% | -1.87% | 2.26% | 5.33% | 3.76% | 6.84% 09/29/1989 |
0.48% | 0.34% | Contractual Expires 09/30/2019 |
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U.S. TREASURY INTERMEDIATE FD PRTIX + 3 |
2.89% | 1.01% | 1.01% | 1.01% | 1.69% | 2.24% | 5.27% 09/29/1989 |
0.52% | 0.35% | Contractual Expires 09/30/2019 |
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T ROWE PRICE RETIRE BAL INV TRRIX + 3 |
-5.08% | -3.30% | -3.30% | 4.35% | 3.22% | 6.74% | 5.82% 09/30/2002 |
0.52% | 0.52% | N/A |
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RETIREMENT 2005 FUND TRRFX + 3 |
-4.59% | -3.26% | -3.26% | 4.54% | 3.50% | 7.41% | 5.26% 02/27/2004 |
0.54% | 0.54% | N/A |
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RETIREMENT 2010 FUND TRRAX + 3 |
-5.27% | -3.61% | -3.61% | 4.85% | 3.73% | 8.16% | 6.99% 09/30/2002 |
0.54% | 0.54% | N/A |
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NEW INCOME FUND PRCIX + 3 5 |
1.03% | -0.63% | -0.63% | 1.99% | 2.36% | 4.05% | 6.86% 08/31/1973 |
0.56% | 0.53% | Contractual Expires 09/30/2020 |
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RETIREMENT 2015 FUND TRRGX + 3 |
-6.17% | -4.17% | -4.17% | 5.24% | 4.08% | 9.08% | 5.91% 02/27/2004 |
0.57% | 0.57% | N/A |
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INFLATION PROTECTED BOND FUND PRIPX + 3 |
-0.48% | -1.33% | -1.33% | 1.62% | 1.34% | 3.15% | 3.75% 10/31/2002 |
0.58% | 0.41% | Contractual Expires 09/30/2019 |
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GNMA FUND PRGMX + 3 |
1.40% | 0.57% | 0.57% | 1.16% | 1.94% | 2.91% | 5.61% 11/26/1985 |
0.60% | 0.60% | N/A |
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CORPORATE INCOME FUND PRPIX + 3 |
0.13% | -3.06% | -3.06% | 2.77% | 3.14% | 6.31% | 5.47% 10/31/1995 |
0.61% | 0.61% | N/A |
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RETIREMENT 2020 FUND TRRBX + 3 |
-7.36% | -4.94% | -4.94% | 5.72% | 4.47% | 9.90% | 7.95% 09/30/2002 |
0.61% | 0.61% | N/A |
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BALANCED FUND RPBAX + 3 5 |
-8.06% | -4.92% | -4.92% | 5.92% | 4.85% | 9.63% | 9.40% 12/31/1939 |
0.64% | 0.61% | Contractual Expires 04/30/2019 |
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DIVIDEND GROWTH FUND PRDGX + 3 |
-9.18% | -1.06% | -1.06% | 9.63% | 8.67% | 12.87% | 9.38% 12/30/1992 |
0.64% | 0.64% | N/A |
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RETIREMENT 2025 FUND TRRHX + 3 |
-8.38% | -5.62% | -5.62% | 6.10% | 4.77% | 10.54% | 6.50% 02/27/2004 |
0.64% | 0.64% | N/A |
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EQUITY INCOME FUND PRFDX + 3 |
-12.35% | -9.30% | -9.30% | 7.92% | 4.75% | 10.66% | 10.30% 10/31/1985 |
0.65% | 0.65% | N/A |
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SPECTRUM INCOME FUND RPSIX + 3 5 |
-1.50% | -2.62% | -2.62% | 4.08% | 2.79% | 5.99% | 6.72% 06/29/1990 |
0.65% | 0.65% | N/A |
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GROWTH AND INCOME FUND PRGIX + 3 |
-11.14% | -3.23% | -3.23% | 7.90% | 8.10% | 12.84% | 9.66% 12/21/1982 |
0.66% | 0.66% | N/A |
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GROWTH STOCK FUND PRGFX + 3 |
-14.14% | -1.03% | -1.03% | 10.28% | 10.10% | 16.08% | 10.81% 04/11/1950 |
0.67% | 0.67% | N/A |
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INTERNATIONAL BOND FUND RPIBX + 3 Redemption fee: 2.00% - 90 days or less |
0.92% | -2.94% | -2.94% | 3.31% | 0.01% | 1.79% | 5.39% 09/10/1986 |
0.67% | 0.67% | N/A |
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RETIREMENT 2030 FUND TRRCX + 3 |
-9.39% | -6.28% | -6.28% | 6.43% | 5.03% | 11.09% | 8.61% 09/30/2002 |
0.67% | 0.67% | N/A |
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NEW ERA FUND PRNEX + 3 |
-19.05% | -16.21% | -16.21% | 5.02% | -2.81% | 4.82% | 8.86% 01/20/1969 |
0.69% | 0.69% | N/A |
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BLUE CHIP GROWTH FUND TRBCX + 3 |
-14.22% | 2.01% | 2.01% | 12.05% | 11.31% | 17.04% | 10.60% 06/30/1993 |
0.70% | 0.70% | N/A |
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RETIREMENT 2035 FUND TRRJX + 3 |
-10.19% | -6.87% | -6.87% | 6.61% | 5.18% | 11.43% | 6.84% 02/27/2004 |
0.70% | 0.70% | N/A |
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CAPITAL APPRECIATION FUND PRWCX + 3 |
-6.31% | 0.62% | 0.62% | 7.90% | 8.25% | 12.58% | 11.03% 06/30/1986 |
0.71% | 0.71% | N/A |
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CAPITAL OPPORTUNITY FUND PRCOX + 3 |
-13.80% | -4.63% | -4.63% | 9.16% | 8.47% | 13.12% | 8.43% 11/30/1994 |
0.71% | 0.69% | N/A Expires 04/30/2019 |
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TRP GLOBAL MULTI-SECTOR BOND PRSNX + 12 3 5 7 |
1.19% | 0.44% | 0.44% | 4.54% | 3.56% | 5.98% | 6.29% 12/15/2008 |
0.72% | 0.64% | Contractual Expires 09/30/2019 |
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RETIREMENT 2040 FUND TRRDX + 3 |
-10.85% | -7.32% | -7.32% | 6.77% | 5.30% | 11.60% | 8.82% 09/30/2002 |
0.72% | 0.72% | N/A |
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RETIREMENT 2045 FUND TRRKX + 3 |
-11.22% | -7.57% | -7.57% | 6.81% | 5.31% | 11.61% | 6.96% 05/31/2005 |
0.72% | 0.72% | N/A |
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RETIREMENT 2050 FUND TRRMX + 3 |
-11.24% | -7.58% | -7.58% | 6.80% | 5.32% | 11.60% | 5.76% 12/29/2006 |
0.72% | 0.72% | N/A |
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RETIREMENT 2055 FUND TRRNX + 3 |
-11.26% | -7.62% | -7.62% | 6.78% | 5.31% | 11.60% | 5.75% 12/29/2006 |
0.72% | 0.72% | N/A |
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RETIREMENT 2060 TRRLX + 3 |
-11.25% | -7.57% | -7.57% | 6.75% | - | - | 4.55% 06/23/2014 |
0.72% | 0.72% | N/A |
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REAL ESTATE FUND TRREX + 3 Redemption fee: 1.00% - 90 days or less |
-8.81% | -8.99% | -8.99% | 0.25% | 6.50% | 11.75% | 8.80% 10/31/1997 |
0.73% | 0.73% | N/A |
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HEALTH SCIENCES FUND PRHSX + 3 |
-15.81% | 1.23% | 1.23% | 5.11% | 11.60% | 19.42% | 14.02% 12/29/1995 |
0.77% | 0.77% | N/A |
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PERSONAL STRATEGY INCOME FUND PRSIX + 3 5 |
-4.74% | -3.02% | -3.02% | 5.15% | 3.97% | 8.02% | 7.21% 07/29/1994 |
0.78% | 0.62% | Contractual |
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SPECTRUM GROWTH FUND PRSGX + 3 5 |
-13.23% | -8.53% | -8.53% | 7.38% | 5.66% | 12.25% | 8.92% 06/29/1990 |
0.78% | 0.78% | N/A |
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TRP COMMUNICATIONS & TECH FUND PRMTX + 3 |
-12.90% | -1.83% | -1.83% | 11.96% | 10.36% | 19.70% | 14.08% 10/13/1993 |
0.78% | 0.78% | N/A |
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NEW AMERICA GROWTH FUND PRWAX + 3 |
-14.40% | 1.28% | 1.28% | 11.39% | 10.47% | 16.40% | 10.65% 09/30/1985 |
0.79% | 0.79% | N/A |
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SCIENCE & TECHNOLOGY FUND PRSCX + 3 |
-14.49% | -6.99% | -6.99% | 13.13% | 12.10% | 18.04% | 10.55% 09/30/1987 |
0.80% | 0.80% | N/A |
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VALUE FUND TRVLX + 3 |
-10.48% | -9.44% | -9.44% | 6.12% | 5.89% | 13.03% | 10.31% 09/30/1994 |
0.81% | 0.80% | Contractual Expires 04/30/2019 |
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INTERNATIONAL STOCK FUND PRITX + 3 6 Redemption fee: 2.00% - 90 days or less |
-12.23% | -13.96% | -13.96% | 4.10% | 2.11% | 8.69% | 8.55% 05/09/1980 |
0.82% | 0.82% | N/A |
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OVERSEAS STOCK FUND TROSX + 3 6 Redemption fee: 2.00% - 90 days or less |
-13.68% | -15.05% | -15.05% | 3.55% | 0.66% | 7.32% | 1.66% 12/29/2006 |
0.83% | 0.83% | N/A |
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T ROWE PRICE INTL VALUE EQUITY TRIGX + 3 6 Redemption fee: 2.00% - 90 days or less |
-14.00% | -18.21% | -18.21% | -0.20% | -1.83% | 5.53% | 4.12% 12/21/1998 |
0.83% | 0.83% | N/A |
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FINANCIAL SERVICES FUND PRISX + 3 5 |
-13.01% | -10.00% | -10.00% | 7.81% | 6.34% | 11.46% | 8.78% 09/30/1996 |
0.85% | 0.85% | N/A |
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PERSONAL STRATEGY BALANCED TRPBX + 3 5 |
-7.25% | -4.50% | -4.50% | 6.19% | 4.82% | 10.01% | 8.11% 07/29/1994 |
0.86% | 0.73% | Contractual |
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PERSONAL STRATEGY GROWTH FUND TRSGX + 3 5 |
-9.84% | -6.07% | -6.07% | 7.01% | 5.41% | 11.52% | 8.73% 07/29/1994 |
0.88% | 0.79% | Contractual |
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GLOBAL TECHNOLOGY FUND PRGTX + 3 8 |
-10.13% | -9.49% | -9.49% | 12.38% | 16.33% | 22.69% | 6.75% 09/29/2000 |
0.89% | 0.89% | N/A |
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SPECTRUM INTERNATIONAL FUND PSILX + 3 5 6 Redemption fee: 2.00% - 90 days or less |
-12.16% | -14.81% | -14.81% | 3.21% | 1.00% | 7.98% | 4.91% 12/31/1996 |
0.91% | 0.91% | N/A |
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EMERGING MARKETS BOND FUND PREMX + 3 Redemption fee: 2.00% - 90 days or less |
-2.42% | -7.23% | -7.23% | 5.04% | 3.78% | 7.77% | 9.65% 12/30/1994 |
0.92% | 0.92% | N/A |
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EUROPEAN STOCK FUND PRESX + 3 6 Redemption fee: 2.00% - 90 days or less |
-12.25% | -12.72% | -12.72% | -0.59% | -1.44% | 7.49% | 6.70% 02/28/1990 |
0.96% | 0.96% | N/A |
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JAPAN FUND PRJPX + 3 7 Redemption fee: 2.00% - 90 days or less |
-18.28% | -12.17% | -12.17% | 9.02% | 6.37% | 7.53% | 2.55% 12/30/1991 |
0.98% | 0.97% | Contractual Expires 02/28/2019 |
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GLOBAL REAL ESTATE FUND TRGRX + 3 Redemption fee: 2.00% - 90 days or less |
-6.74% | -7.43% | -7.43% | 0.84% | 3.56% | 9.30% | 9.96% 10/27/2008 |
1.08% | 0.96% | Contractual Expires 04/30/2019 |
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GLOBAL GROWTH STOCK FUND RPGEX + 3 6 9 Redemption fee: 2.00% - 90 days or less |
-11.77% | -7.07% | -7.07% | 8.58% | 7.04% | 12.19% | 14.10% 10/27/2008 |
1.10% | 1.01% | Contractual Expires 02/28/2019 |
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AFRICA & MIDDLE EAST FUND TRAMX + 3 6 7 Redemption fee: 2.00% - 90 days or less |
-2.64% | -8.92% | -8.92% | 6.07% | 1.05% | 6.53% | 1.11% 09/04/2007 |
1.54% | 1.42% | Contractual Expires 02/28/2019 |
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