ETF配置分享 - 投資

By Robert
at 2014-03-01T22:28
at 2014-03-01T22:28
Table of Contents
最近剛申請了TD Ameritrade的帳戶
想以TD Ameritrade免費的ETF作為長期投資的工具
每季投入70000NT進行投資, 持續10年以上
想請各位大大幫忙看看, 針對我的想法和配置, 有沒有什麼建議
首先我投資的類別分為: 股票 65% 債券 20% REITs 15%
1.股票 VTI 20% VEA 50% VWO 30%
這樣分配的比例大概是 美國:歐洲:亞洲:新興=20:30:20:30
會這樣配置的原因, 主要是因為美股現正高點, 不想投入太多比例
當然也不能因此不投入, 所以評估過後選擇20%的比例
之後比較看到歐洲, 所以配置30%的比例
另外新興的部份目前偏低, 所以想在這個時候投入較多的比例
雖然我知道長期投資不應該考慮投入時間點,
但考慮後, 還是想以這樣的配置投資股票
請問我這樣的配置是否適當?
2.債券 VGIT 50% BWX 50%
債券的部分主要是想在空頭時有保護作用, 所以想選單純的美債
選VGIT而不是IEI的原因, 主要是IEI單價較高, 不易配置剛好的比例
雖然VGIT包含8%政府債, 不是純粹美債, 但管理費用較低, 所以才選VGIT
另外選了BWX的原因, 主要是想分散債券的分布, 所以配置全球性的債券
或者應該把BWX換成TIP或WIP會更合適嗎?
3.REITs VNQ 50% RWO 50%
原本想以VNQI取代RWO, 可惜VNQI並沒有在免費的名單內
所以選擇以RWO投資全世界的房地產, VNQ投資美國的房地產
選擇Reits主要是想抗通膨, 並且有固定收益的效果
不過美股需要繳30%的稅, 換算下來不知道是否值得投資?
4.整體配置比例
VTI 13%
VEA 33%
VWO 20%
RWO 7%
VNQ 7%
BWX 10%
VGIT 10%
以上是我配置的想法, 請各位大大指點, 謝謝
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