- 전체
- 후기 6804
- 후기-카드 1820
- 후기-발권-예약 1250
- 후기-백신 79
- 후기-격리면제 28
- 질문 57567
- 질문-기타 20838
- 질문-카드 11766
- 질문-항공 10240
- 질문-호텔 5232
- 질문-여행 4062
- 질문-DIY 190
- 질문-자가격리 19
- 질문-은퇴 418
- 정보 24331
- 정보-자가격리 133
- 정보-카드 5238
- 정보-기타 8042
- 정보-항공 3843
- 정보-호텔 3254
- 정보-여행 1071
- 정보-DIY 207
- 정보-맛집 219
- 정보-부동산 41
- 정보-은퇴 262
- 여행기 3427
- 여행기-하와이 388
- 잡담 15523
- 필독 63
- 자료 65
- 자랑 722
- 금요스페셜 106
- 강퇴로 가는 길 11
- 자기소개 661
- 구라 2
- 요리-레시피 70
- 오프모임 200
- 나눔 2705
- 홍보 15
- 운영자공지 32
요즘 연금에 대해 좋은 글들이 많아서 잘 읽어보았는데 확인차 한 번 글 올려봅니다. Expense ratio가 가장 적은 걸로 몰빵하는 것을 추천하셨던 것 같은데 그럼 저 같은 경우 Vanguard 500 Index Fund Admiral에 100% 몰빵하는 것이 가장 좋은 방법인지요? 여러분들의 조언 부탁드립니다.
| PERFORMANCE: MONTHLY | QUARTERLY AVERAGE ANNUAL RETURNS (%)1 |
|||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
INVESTMENT NAME (TICKER)
|
|
ASSET CLASS
|
PRODUCT TYPE/
SHARE CLASS |
GROSS / NET EXPENSE RATIO
|
DAILY YEAR TO DATE RETURN (%)
|
1 YR
|
3 YR
|
5 YR
|
10 YR
|
SINCE INCEPTION2
|
AS OF
DATE |
Status
|
|
| American Funds EuroPacific Growth Fund R4 (REREX) | Equities | Mutual Fund / Retirement | 0.83% / 0.83% | 10.77%
Daily Year-to-Date returns for this investment is as of 2/22/2019.
|
-15.22% | 3.72% | 1.50% | 7.33% | 6.65% | 12/31/2018 | |||
| Baird Aggregate Bond Investor (BAGSX) | Fixed Income | Mutual Fund / Inv | 0.55% / 0.55% | 1.37%
Daily Year-to-Date returns for this investment is as of 2/22/2019.
|
-0.54% | 2.21% | 2.69% | 4.52% | 4.87% | 12/31/2018 | |||
| Goldman Sachs Small Cap Value Fund Class A (GSSMX) | Equities | Mutual Fund / A | 1.36% / 1.33%
The Investment Adviser has agreed to reduce or limit �Other Expenses� (excluding acquired fund fees and expenses, transfer agency fees and expenses, service fees, shareholder administration fees, taxes, interest, brokerage fees, expenses of shareholder meetings, litigation and indemnification, and extraordinary expenses) to 0.004% of the Fund�s average daily net assets. This arrangement will remain in effect through at least December 28, 2019, and prior to such date the Investment Adviser may not terminate the arrangement without the approval of the Board of Trustees.
|
17.36%
Daily Year-to-Date returns for this investment is as of 2/22/2019.
|
-14.35% | 5.96% | 3.68% | 11.99% | 9.83% | 12/31/2018 | |||
| Janus Henderson Triton Fund Class S (JGMIX) | Equities | Mutual Fund / S | 1.16% / 1.16% | 17.57%
Daily Year-to-Date returns for this investment is as of 2/22/2019.
|
-5.49% | 9.63% | 7.75% | -- | 15.32% | 12/31/2018 | |||
| JP Morgan Smart Retirement 2055 Fund A Class (JFFAX) | Multi-Asset | Mutual Fund / A | 1.05% / 0.88%
The Fund�s adviser and/or its affiliates have contractually agreed to waive fees and/or reimburse expenses to the extent Total Annual Fund Operating Expenses (excluding Acquired Fund (Underlying Fund) Fees and Expenses other than certain money market fund fees as described below, dividend and interest expenses related to short sales, interest, taxes, expenses related to litigation and potential litigation, expenses related to trustee elections, and extraordinary expenses) exceed 0.39%, 0.97% and 0.22% of the average daily net assets of Class A, Class C and Class I Shares, respectively. These waivers are in effect through 10/31/19, at which time the adviser and/or its affiliates will determine whether to renew or revise them.
|
10.40%
Daily Year-to-Date returns for this investment is as of 2/22/2019.
|
-9.97% | 5.29% | 4.29% | -- | 7.85% | 12/31/2018 | |||
| JPMorgan Smart Retirement 2020 Fund Class A (JTTAX) | Multi-Asset | Mutual Fund / A | 0.98% / 0.81%
The Fund�s adviser and/or its affiliates have contractually agreed to waive fees and/or reimburse expenses to the extent Total Annual Fund Operating Expenses (excluding Acquired Fund (Underlying Fund) Fees and Expenses other than certain money market fund fees as described below, dividend and interest expenses related to short sales, interest, taxes, expenses related to litigation and potential litigation, expenses related to trustee elections, and extraordinary expenses) exceed 0.36%, 0.96% and 0.21% of the average daily net assets of Class A, Class C and Class I Shares, respectively. The Fund may invest in one or more money market funds advised by the adviser or its affiliates (affiliated money market funds). These waivers are in effect through 10/31/19, at which time the adviser and/or its affiliates will determine whether to renew or revise them.
|
5.86%
Daily Year-to-Date returns for this investment is as of 2/22/2019.
|
-5.57% | 4.28% | 3.68% | 8.56% | 5.05% | 12/31/2018 | |||
| JPMorgan Smart Retirement 2025 Fund Class A (JNSAX) | Multi-Asset | Mutual Fund / A | 0.99% / 0.85%
The Fund�s adviser and/or its affiliates have contractually agreed to waive fees and/or reimburse expenses to the extent Total Annual Fund Operating Expenses (excluding Acquired Fund (Underlying Fund) Fees and Expenses other than certain money market fund fees as described below, dividend and interest expenses related to short sales, interest, taxes, expenses related to litigation and potential litigation, expenses related to trustee elections, and extraordinary expenses) exceed 0.38%, 0.97% and 0.22% of the average daily net assets of Class A, Class C and Class I Shares, respectively. The Fund may invest in one or more money market funds advised by the adviser or its affiliates (affiliated money market funds). These waivers are in effect through 10/31/19, at which time the adviser and/or its affiliates will determine whether to renew or revise them.
|
7.24%
Daily Year-to-Date returns for this investment is as of 2/22/2019.
|
-6.82% | 4.60% | 3.92% | 9.22% | 4.73% | 12/31/2018 | |||
| JPMorgan Smart Retirement 2030 Fund Class A (JSMAX) | Multi-Asset | Mutual Fund / A | 1.00% / 0.86%
The Fund�s adviser and/or its affiliates have contractually agreed to waive fees and/or reimburse expenses to the extent Total Annual Fund Operating Expenses (excluding Acquired Fund (Underlying Fund) Fees and Expenses other than certain money market fund fees as described below, dividend and interest expenses related to short sales, interest, taxes, expenses related to litigation and potential litigation, expenses related to trustee elections, and extraordinary expenses) exceed 0.38%, 0.97% and 0.22% of the average daily net assets of Class A, Class C and Class I Shares, respectively. The Fund may invest in one or more money market funds advised by the adviser or its affiliates (affiliated money market funds). These waivers are in effect through 10/31/19, at which time the adviser and/or its affiliates will determine whether to renew or revise them.
|
8.44%
Daily Year-to-Date returns for this investment is as of 2/22/2019.
|
-7.84% | 5.00% | 4.14% | 9.71% | 5.48% | 12/31/2018 | |||
| JPMorgan Smart Retirement 2035 Fund Class A (SRJAX) | Multi-Asset | Mutual Fund / A | 1.01% / 0.87%
The Fund�s adviser and/or its affiliates have contractually agreed to waive fees and/or reimburse expenses to the extent Total Annual Fund Operating Expenses (excluding Acquired Fund (Underlying Fund) Fees and Expenses other than certain money market fund fees as described below, dividend and interest expenses related to short sales, interest, taxes, expenses related to litigation and potential litigation, expenses related to trustee elections, and extraordinary expenses) exceed 0.39%, 0.97% and 0.22% of the average daily net assets of Class A, Class C and Class I Shares, respectively. The Fund may invest in one or more money market funds advised by the adviser or its affiliates (affiliated money market funds). These waivers are in effect through 10/31/19, at which time the adviser and/or its affiliates will determine whether to renew or revise them.
|
9.14%
Daily Year-to-Date returns for this investment is as of 2/22/2019.
|
-9.03% | 5.08% | 4.17% | 10.06% | 4.97% | 12/31/2018 | |||
| JPMorgan Smart Retirement 2040 Fund Class A (SMTAX) | Multi-Asset | Mutual Fund / A | 1.02% / 0.88%
The Fund�s adviser and/or its affiliates have contractually agreed to waive fees and/or reimburse expenses to the extent Total Annual Fund Operating Expenses (excluding Acquired Fund (Underlying Fund) Fees and Expenses other than certain money market fund fees as described below, dividend and interest expenses related to short sales, interest, taxes, expenses related to litigation and potential litigation, expenses related to trustee elections, and extraordinary expenses) exceed 0.39%, 0.97% and 0.22% of the average daily net assets of Class A, Class C and Class I Shares, respectively. The Fund may invest in one or more money market funds advised by the adviser or its affiliates (affiliated money market funds). These waivers are in effect through 10/31/19, at which time the adviser and/or its affiliates will determine whether to renew or revise them.
|
10.05%
Daily Year-to-Date returns for this investment is as of 2/22/2019.
|
-9.74% | 5.34% | 4.30% | 10.19% | 5.74% | 12/31/2018 | |||
| JPMorgan Smart Retirement 2045 Fund Class A (JSAAX) | Multi-Asset | Mutual Fund / A | 1.03% / 0.89%
The Fund�s adviser and/or its affiliates have contractually agreed to waive fees and/or reimburse expenses to the extent Total Annual Fund Operating Expenses (excluding Acquired Fund (Underlying Fund) Fees and Expenses other than certain money market fund fees as described below, dividend and interest expenses related to short sales, interest, taxes, expenses related to litigation and potential litigation, expenses related to trustee elections, and extraordinary expenses) exceed 0.39%, 0.97% and 0.22% of the average daily net assets of Class A, Class C and Class I Shares, respectively. The Fund may invest in one or more money market funds advised by the adviser or its affiliates (affiliated money market funds). These waivers are in effect through 10/31/19, at which time the adviser and/or its affiliates will determine whether to renew or revise them.
|
10.42%
Daily Year-to-Date returns for this investment is as of 2/22/2019.
|
-10.02% | 5.29% | 4.28% | 10.21% | 5.20% | 12/31/2018 | |||
| JPMorgan Smart Retirement 2050 Fund Class A (JTSAX) | Multi-Asset | Mutual Fund / A | 1.03% / 0.88%
The Fund�s adviser and/or its affiliates have contractually agreed to waive fees and/or reimburse expenses to the extent Total Annual Fund Operating Expenses (excluding Acquired Fund (Underlying Fund) Fees and Expenses other than certain money market fund fees as described below, dividend and interest expenses related to short sales, interest, taxes, expenses related to litigation and potential litigation, expenses related to trustee elections, and extraordinary expenses) exceed 0.39%, 0.97% and 0.22% of the average daily net assets of Class A, Class C and Class I Shares, respectively. The Fund may invest in one or more money market funds advised by the adviser or its affiliates (affiliated money market funds).These waivers are in effect through 10/31/19, at which time the adviser and/or its affiliates will determine whether to renew or revise them.
|
10.40%
Daily Year-to-Date returns for this investment is as of 2/22/2019.
|
-10.04% | 5.27% | 4.26% | 10.20% | 5.21% | 12/31/2018 | |||
| JPMorgan Smart Retirement Income Fund Class A (JSRAX) | Multi-Asset | Mutual Fund / A | 0.97% / 0.73%
The Fund�s adviser and/or its affiliates have contractually agreed to waive fees and/or reimburse expenses to the extent Total Annual Fund Operating Expenses (excluding Acquired Fund (Underlying Fund) Fees and Expenses other than certain money market fund fees as described below, dividend and interest expenses related to short sales, interest, taxes, expenses related to litigation and potential litigation, expenses related to trustee elections, and extraordinary expenses) exceed 0.31%, 0.94% and 0.19% of the average daily net assets of Class A, Class C and Class I Shares, respectively. The Fund may invest in one or more money market funds advised by the adviser or its affiliates (affiliated money market funds). These waivers are in effect through 10/31/19, at which time the adviser and/or its affiliates will determine whether to renew or revise them.
|
5.02%
Daily Year-to-Date returns for this investment is as of 2/22/2019.
|
-4.70% | 3.51% | 2.83% | 6.33% | 4.33% | 12/31/2018 | |||
| JPMorgan SmartRetirement 2060 Fund Class A (JAKAX) | Multi-Asset | Mutual Fund / A | 1.76% / 0.88%
The Fund�s adviser and/or its affiliates have contractually agreed to waive fees and/or reimburse expenses to the extent Total Annual Fund Operating Expenses (excluding Acquired Fund (Underlying Fund) Fees and Expenses other than certain money market fund fees as described below, dividend and interest expenses related to short sales, interest, taxes, expenses related to litigation and potential litigation, expenses related to trustee elections, and extraordinary expenses) exceed 0.39%, 0.97% and 0.22% of the average daily net assets of Class A, Class C and Class I Shares, respectively. The Fund may invest in one or more money market funds advised by the adviser or its affiliates (affiliated money market funds). These waivers are in effect through 10/31/19, at which time the adviser and/or its affiliates will determine whether to renew or revise them.
|
10.52%
Daily Year-to-Date returns for this investment is as of 2/22/2019.
|
-9.88% | -- | -- | -- | 4.79% | 12/31/2018 | |||
| Massachusetts Investors Growth Stock Fund Class R3 (MIGHX) | Equities | Mutual Fund / Retirement | 0.74% / 0.74% | 13.10%
Daily Year-to-Date returns for this investment is as of 2/22/2019.
|
0.78% | 11.23% | 8.93% | 14.28% | 8.68% | 12/31/2018 | |||
| MassMutual Select Mid Cap Growth Equity II Fund Class I (MEFZX) | Equities | Mutual Fund / Inst | 0.71% / 0.71% | 16.04%
Daily Year-to-Date returns for this investment is as of 2/22/2019.
|
-3.10% | 8.65% | 8.96% | -- | 12.14% | 12/31/2018 | |||
| Oppenheimer Developing Markets Fund Class A (ODMAX) | Equities | Mutual Fund / A | 1.29% / 1.29% | 10.61%
Daily Year-to-Date returns for this investment is as of 2/22/2019.
|
-12.14% | 8.17% | 0.70% | 9.87% | 11.15% | 12/31/2018 | |||
| Principal Diversified Real Asset Fund Institutional Class (PDRDX) | Multi-Asset | Mutual Fund / Inst | 0.95% / 0.85%
Principal Global Investors, LLC ("PGI"), the investment advisor, has contractually agreed to limit the Fund�s Management Fees through the period ending December 30, 2019. The fee waiver will reduce the Fund's Management Fees by 0.03%. Principal Global Investors, LLC ("PGI"), the investment advisor, has contractually agreed to limit the Fund�s expenses by paying, if necessary, expenses normally payable by the Fund, (excluding interest expense, expenses related to fund investments, acquired fund fees and expenses, and other extraordinary expenses) to maintain a total level of operating expenses not to exceed 1.22% for Class A, 1.97% for Class C, 0.85% and for Institutional Class shares. For Class R-6, the expense limit will maintain "Other Expenses" (expressed as a percent of average net assets on an annualized basis) not to exceed 0.02%. It is expected that the expense limits will continue through the period ending December 30, 2019.
|
7.82%
Daily Year-to-Date returns for this investment is as of 2/22/2019.
|
-7.90% | 2.41% | -0.72% | -- | 2.82% | 12/31/2018 | |||
| T. Rowe Price Equity Income Fund Advisor Class Shares (PAFDX) | Equities | Mutual Fund / Adv | 0.94% / 0.94% | 10.76%
Daily Year-to-Date returns for this investment is as of 2/22/2019.
|
-9.57% | 7.60% | 4.44% | 10.38% | 6.49% | 12/31/2018 | |||
| Vanguard 500 Index Fund Admiral (VFIAX) | Equities | Mutual Fund / Other | 0.04% / 0.04% | 11.74%
Daily Year-to-Date returns for this investment is as of 2/22/2019.
|
-4.43% | 9.22% | 8.46% | 13.10% | 5.51% | 12/31/2018 | |||
| Vanguard Federal Money Market Fund Investor (VMFXX)
You could lose money by investing in a money market fund. Although a money market fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. A money market fund's sponsor has no legal obligation to provide support to a money market fund, and you should not expect that the sponsor will provide financial support to a money market fund at any time.
|
Money Market | Mutual Fund / Inv | 0.11% / 0.11% | 0.33%
Daily Year-to-Date returns for this investment is as of 2/22/2019.
|
1.78% | 0.96% | 0.59% | 0.34% | 4.18% | 12/31/2018 | |||
|
You could lose money by investing in a money market fund. Although a money market fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. A money market fund's sponsor has no legal obligation to provide support to a money market fund, and you should not expect that the sponsor will provide financial support to a money market fund at any time. |
|||||||||||||
| Vanguard Real Estate Index Fund Admiral (VGSLX) | Equities | Mutual Fund / Other | 0.12% / 0.12% | 14.11%
Daily Year-to-Date returns for this investment is as of 2/22/2019.
|
-5.95% | 2.31% | 7.40% | 12.05% | 9.67% | 12/31/2018 | |||
| Victory Sycamore Established Value Fund Class A (VETAX) | Equities | Mutual Fund / A | 0.90% / 0.90% | 13.71%
Daily Year-to-Date returns for this investment is as of 2/22/2019.
|
-10.23% | 7.80% | 7.13% | 13.26% | 9.18% | 12/31/2018 | |||
Fixed Investments
| PERFORMANCE: MONTHLY | QUARTERLY AVERAGE ANNUAL RETURNS (%)3 |
|||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
|
ACCOUNT NAME
|
ASSET CLASS
|
PRODUCT TYPE/
ACCOUNT NAME |
CURRENT RATES (%) 4
|
MINIMUM GUARANTEED RATE
|
1 YR
|
3 YR
|
5 YR
|
10 YR
|
SINCE INCEPTION5
|
AS OF
DATE |
Status
|
| TIAA Traditional Annuity - Retirement Choice | Guaranteed
Guarantees are based on the claims-paying ability of TIAA. TIAA Traditional is a guaranteed insurance contract and not an investment for federal securities law purposes.
|
TIAA Fixed Annuity / TIAA Traditional Annuity | 4.25% | 1.00% | 4.12% | 4.20% | 4.26% | 4.28% | 4.47% | 12/31/2018 | |
- 전체
- 후기 6804
- 후기-카드 1820
- 후기-발권-예약 1250
- 후기-백신 79
- 후기-격리면제 28
- 질문 57567
- 질문-기타 20838
- 질문-카드 11766
- 질문-항공 10240
- 질문-호텔 5232
- 질문-여행 4062
- 질문-DIY 190
- 질문-자가격리 19
- 질문-은퇴 418
- 정보 24331
- 정보-자가격리 133
- 정보-카드 5238
- 정보-기타 8042
- 정보-항공 3843
- 정보-호텔 3254
- 정보-여행 1071
- 정보-DIY 207
- 정보-맛집 219
- 정보-부동산 41
- 정보-은퇴 262
- 여행기 3427
- 여행기-하와이 388
- 잡담 15523
- 필독 63
- 자료 65
- 자랑 722
- 금요스페셜 106
- 강퇴로 가는 길 11
- 자기소개 661
- 구라 2
- 요리-레시피 70
- 오프모임 200
- 나눔 2705
- 홍보 15
- 운영자공지 32
36 댓글
히든고수
2019-02-25 12:56:58
Vanguard 500 Index Fund Admiral에 100% 몰빵하는 것이 가장 좋은 방법
드림빌더
2019-02-25 13:11:00
히든고수님! 조언해주셔서 감사합니다. 꾸벅~
히든고수
2019-02-25 12:59:26
TIAA Traditional Annuity - Retirement Choice
이것도 좋은데요
확정 이율 4%
주식 싫으면 이거 하세요
RedAndBlue
2019-02-25 13:11:37
이건 대체 페이아웃 스트럭쳐가 어떻게 되는 건가요?
어뉴이티 말만 들어도 알러지 반응 와서 뭐가 뭔지 모르겠습니다 도와주셔요.
히든고수
2019-02-25 13:16:10
보험회사에서 발행하는 채권이라고 생각햇는데
annuity 라고 하니까 아닐 수도 잇겟네요
원글님은 공부를 해 보셔야
넣고 빼고 자유롭지 않으면 조심해야죠
이런게 잇네요
들어올땐 맘대로여도 나갈땐 아니란다 같은데
For Retirement Choice (RC) contracts, and subject to the terms of your employer's plan, lump-sum withdrawals are available from the TIAA Traditional account only within 120 days after termination of employment and are subject to a 2.5% surrender charge. All other withdrawals and transfers from the account must be paid in 84 monthly installments (7 years).
히든고수
2019-02-25 13:02:22
여기서도 보듯이
제피모간 골드만 삭스 이런데 회사 이름은 좋은데
회사 이름 보고 펀드 들면 큰일 나요
좋은 회사 이름 != 좋은 펀드
stay away !
Victory Sycamore 를 Victoria Secret 으로 잘못 보고
흠 이거 좋은데 해도 안 되요
hawaii
2019-02-25 14:04:49
히고님,
묻어가는 질문요.
저는 여기서 Vantagepoint 500 Stock Index Fund 에 몰빵해야하나요?
히든고수
2019-02-25 14:49:39
네
hawaii
2019-02-25 15:23:24
감사합니다!
delight
2019-02-25 16:16:53
히고님 저도 묻어가는 질문이요~ 그간 올라왔던 글 보면서 배운게 VTSAX를 하라는건데, 제 retirement 계좌에는 해당 옵션이 없어보여서요.. 뱅가드것만 추려보니 이렇게 되는데.. 이중에 fee가 가장 낮은 거를 선택하면 될까요? -->Vanguard Institutional Index Fund Institutional Plus (VIIIX) 이거요...
뭘 어떻게 하는건지 몰라서 그냥 놔뒀더니 현재는 Vanguard Target Retirement 2045 Trust II (VR45#) 여기에 100% 하는걸로 되어있더라구요.
히든고수
2019-02-25 16:21:57
viiix 가 vtsax 랑 같은데 더 존 거에요
vtsax 는 리테일, viiix 는 institutional 이라고 최저 한도가 백만불인가 그럴걸요
401k 같은데는 모아서 돈 넣으니 가입하는 거죠
회사 존네요
오래오래 다니세요 ㅋㅋ
delight
2019-02-25 16:49:43
어머나 그런거였어요? ㅎㅎㅎ 그럼 당장 VIIX로 옮겨야겠네요! 감사합니다 ^^
KoreanBard
2019-02-25 13:34:52
뱅가드것은 많이들 추천해주니까 저는 삐딱선을 살짝 타볼께요 ^^
야뉴스 (영어 발음은 제이너스...) 가 뱅가드, 피델리티 보다 크지는 않는데요 나름대로 이름 있는 투자회사에요.
그 중에 여기 트리톤 펀드, JGMIX가 꽤 리뷰가 좋아요.
https://www.morningstar.com/funds/XNAS/JGMIX/quote.html
우선 JGMIX 는 소규모 회사 투자 펀드 인데요, Index 펀드가 아니라서 펀드 매니저가 직접 고르는 active fund 구요, 따라서 fee 가 1.16% 라서 꽤 높죠.
근데 보실 점은 1.16% 낸 것이 아깝지 않게 그 이상의 퍼포먼스를 내고 있어요.
물론 과거 실적이 미래 실적 보장을 해주지는 않지만, 잠깐 보자면,
1년 실적은 SP500 + 1.77
3년 실적은 SP500 + 4.31
10 년 실적은 SP500 + 3.22
게다가 10K Growth 를 보면 (과거에 만불 투자하였을 때 불어난 예상 금액),
10년전 2008년에 양쪽에 만불씩 넣었다면 지금까지의 실적으로 봤을 때 JGMIX 는 $58,000, VFIAX 는 $44,000 으로 되어 있습니다.
10년 동안 계속해서 꾸준한 실적을 올리는 것은 무실 못할 퍼포먼스 거든요.
비록 작은 회사이고, 액티브 펀드라서 ER 이 조금 비싸기는 하지만
조금 모험을 원하신다면 JGMIX 도 관심을 가져보시면 좋을 것 같습니다 ^_^
드림빌더
2019-02-25 14:35:25
KoreanBards님, 이것도 좋은 옵션이 되겠네요. 자세한 데이터로 설명해주셔서 감사합니다~
히든고수
2019-02-25 15:37:23
여기 반박요
JGMIX 는 스몰 캡 growth fund 에요
피가 1% 가 넘어 버리는, 아이고
스몰 캡 growth fund 를 vtsax 같은 라지캡 하고 비교하고
이게 더 낫다고 하면 에라죠
뱅가드에도 스몰캡 growth index 펀드가 잇어요
visgx 라고, 피 0.19%
자 이제 비교해 보실까요
스시러버
2019-02-25 15:41:18
올라갈때는 좋아보이는데 문제는 떨어질때군요... 불안한 세상 vtsax 추천하시는거죠?
히든고수
2019-02-25 15:47:17
추천이라긴 애매하고
제 추천은
돈은 보는 족족 없애자
그러면 얼로 없애는데? 하니까
글쎄다
vtsax ? 어떠냐 하는
vtsax 는 그러니까 "돈 아니면서" 유지 비용이 저렴하고 언제든 출납이 가능한 집합의 이름요
나는 신사임당이 좋아 하면
정말 신사임당이 좋다는게 아니잖아요
돌아가신 분인데, 수백년 전에
vtsax = 신사임당
vtsax 는 손가락
vtsax 가 가리키는 건 달
vtsax = 달이냐 하면
맞기도 하고 틀리기도 하고
스시러버
2019-02-25 15:51:37
ㅎㅎㅎ. 신사임당을 좋아하셨군요...
히든고수
2019-02-25 15:52:47
아이쿠 절대 아니죠
저는 춘향이
신사임당은 좀 남편하고 사이가 안 좋지 않앗을까 하는
대박마
2019-02-25 15:56:26
춘향님 십만원권에 찍혀 나오나여?
히든고수
2019-02-25 15:59:06
남자들은 좋아할 텐데
여자들은 어떨라나요
@똥칠이 @Monica
여기 대박마님이 춘향이 십만원권에 넣으면 어떻겟냐는데
어떻게 생각하세요?
Monica
2019-02-25 16:11:27
미국 시민권자라 십만원권에 춘향이가 들어가던 황진이가 있건 아이돈 케어. ㅋㅋ
그리고 어짜피 춘향이는 소설속 인물이라 패스.
대박마
2019-02-25 16:13:31
역시 아이 돈은 잘 관리 (아이 돈 케어) 하시는 군요..... ㅋㅋ
히든고수
2019-02-25 16:14:25
아, 저는 황진이 할래요,
춘향이보다 황진이가 좋아요
똥칠이
2019-02-25 16:46:08
어떤황진이요? 송혜교 vs 하지원?
히든고수
2019-02-25 16:48:42
아이고 ㅋㅋ
저는 둘다 안 봣어요
저는 그냥 황진이 시를 읽으면서
그 감성을 상상해 봣을 뿐
문학 속의 그녀 황진이
얼굴이야
그러든가 말든가
똥칠이
2019-02-25 16:51:57
그러든가말든가 실화입니까?
사료속에는 얼굴이 그러든가 말든가로 생긴거로는 안나오던데요
대박마
2019-02-25 15:55:42
저요... 저요.... 신사임당 좋아요.... 세종대왕님 보다 5배 더 좋아요.
대박마
2019-02-25 15:46:31
야후..... 이분 이제 구글 포기... ㅋㅋ
히든고수
2019-02-25 15:53:31
아아 님은 갓슴다
그림도 못 그림다
대박마
2019-02-25 15:57:04
ㅋㅋ
RedAndBlue
2019-02-25 15:47:52
+1
KoreanBard
2019-02-25 16:51:53
반박 감사합니다. ^^
여기 반박에 반박
Fee 가 싸면 좋지만 결국은 마지막 performance 거든요.
Fee 를 몇 % 냈건간에 마지막 결과물로 봐야죠
5% fee 를 냈더라도 10% 결과 나온 것이
1% fee 를 내고 8% 결과 나온 것보다 결국 나은 것이니까요.
게다가 출전한 선수들끼리 퍼포먼스, 10K return 비교하는 것은 정당하다고 보구요 ^_^;
드림빌더님이 보여준 리스트 중에서 비교하고 따져보고 해야죠.
출전명단에도 없는 VISGX 를 가져와서 비교하는 것이 오히려 반칙 -_-
또한 두 개의 펀드를 비교하려면 단순한 가격 변동 그래프 보다는 dividend 등의 데이터가 포함된 10k growth 를 보는 것이 더 현실적이라고 생각하는데요.
JGMIX 가 VISGX 보다 10k growth 에서도 앞서요.
결국 fee 가 높아도 JGMIX 를 10년 전에 소유했으면 지금 Vanguard Sp500, Vanguard Small Growth 보다 더 많은 돈을 쥐고 있다는 셈이죠.
물론 미래는 어떻게 될지 모릅지만요.
저 역시 뱅가드 빠이고 Vanguard SP500 으로 몰빵하는 것이 좋다고 생각하지만
무조건 fee가 낮고 뱅가드라고, 퀄리티 좋은 액티브 펀드를 놓치는 일이 많기에 한 번 추천해 봤습니다.
^_^v
히든고수
2019-02-25 16:58:18
JGMIX 가 VISGX 보다 10k growth 에서도 앞서요.
저는 앞으로 10년간 visgx 가 jgmix 보다 잘 한다는데 걸어요
십년 후에 다시 와서 승부를 갈라 보십시다
2/25/2029 에 다시 만나십시다
KoreanBard
2019-02-26 09:19:37
ㅎㅎ 저도 index 펀드 신봉자인데 이번에는 JGMIX 에 걸어야 되겠네요.
야누스 펀드 매니저들이 삽질 안하기를 빌면서 열심히 응원할렵니다.
10년 후에 보기는 너무 지루하니 1년마다 10k growth 보면서 비교해보죠.
1) 깔끔하게 03/01/2019 에 들어가는 것으로 치고
2) Monrning Start 10k growth 로
3) 1년 마다 퍼포먼스 한 번 비교해봐요. ^_^
4) 03/01/2020 에 첫 체크
야누스 화이팅 /-_-/
드림빌더
2019-02-26 22:21:47
일단 조언주신대로 VFIAX로 일단 몰빵을 하긴 했는데요, 저도 VFIAX와 JGMIX 둘 중 어디가 더 수익이 더 좋을지 궁금하네요. KoreanBard님 말씀대로 매년 한 번 비교해보면 재미있을 것 같습니다. 내년이 기다려지네요 ㅎㅎ 어쨋든 두 분 다 감사드립니다.