２００７股票投資總結

到１２／２8為止，俺和太太的退休賬戶的投資回報為８。７％。除了今年的８０００塊IRA還在現金賬戶，所有錢都在如下四個fidelity mutual fund裏：Contra (~33%),Divident Growth(~31%), Export and Multination (~8%), and Value (~28%)。

四個基金，Contra 和Export and Multination 表現不錯。Divident Growth 和Value表現比SP500差。而去年，正是Contra和Export and Multinantion表現不如Sp500。今年表現好的股票是big-cap growth, 所以，俺去年年中根據一些專家的分析（Growth stocks would out-perform value stocks since value had been out-performed grwoth for many years.)作的一些調整還是正確的。所以，看專家的分析，一定要從大方向著手，而不是短期預測。

今年通過退休賬戶在股市的投資不錯。估計俺在pension裏的錢的利息也在８。５％。所以，整體回報在８。６％左右。這個回報比SP500要高。

新年的調整方向還沒有想好。剛剛把Divident Growth Fund賣掉，換成Fidelity的Select Financial Service 和Select Brokeage and Investment Management Portfolio。Divident Growth Fund 是去年Money雜誌選出來的７０個基金，可惜近年一直表現不如人意。換成finacial service的基金，就是看到今年這個方麵的股票下跌比較慘。反正我是長線投資，所以，這些大銀行的股價早晚會回來的。這是我第一次選擇sector fund，連女兒都說這是一大進步。 

２００８年得減少往退休賬戶裏放錢了－－女兒要上大學，得把錢轉到她的學費上去。明年的目標是往退休賬戶上放１８K。剛剛把２００８年的IRA寄出去，加上２００７的八千塊還在現金裏，估計２００８上半年就是觀察股市，找一個好的時機進去。至於投資回報，就是聽天由命了。

（１２／２９／２００７）

[A-mao]

Thanks for your suggestion. I am a little reluctant at this moment since the internation markets have been out-performed U.S. market for quite a while. I will wait until the U.S. out-perform the international stock markets for a couple of years, then jump in.

Thanks again!

[henry_top1]

A-mao,

If you can, put some of you 401K to international fund. International funds had better return in the last 3 years.