Financial Freedom 财富自由

The investment world is changing,dividend needed

With rising inflation and interest rate, the stock market is not doing well, so does Muni, to my surprise, muni closed fund was down drastically. 在日益增长的通货膨胀和利息之间,股市现在做的不好,包括muni, 对利息的敏锐,下降得很吓人。 The growth stocks are doing so bad, which is understandable, people take less risk and economy would fall into recession. People are scared 成长股尤其差,可以理解。人们不愿意冒险,经济有可能recession。大家都害怕了 But I found someContinue reading “The investment world is changing,dividend needed”

Stock market is going to crash? 美国股市要大跌了吗?

US stock market seems to rise so well, such that people start to forget how it feels when it crashed last year. 美国股市最近涨的太好,以至于人们忘了去年股市大跌的惨状 Are we … Stock market is going to crash? 美国股市要大跌了吗? Turned out the muni market is not doing well when rate is on the rise. The nature of the fixed income isContinue reading “Stock market is going to crash? 美国股市要大跌了吗?”

Stock market is going to crash? 美国股市要大跌了吗?

US stock market seems to rise so well, such that people start to forget how it feels when it crashed last year. 美国股市最近涨的太好,以至于人们忘了去年股市大跌的惨状 Are we going to ride like this forever? The answer definitely is No. sp500 now sits on a dividend rate 1.3%, lower than dot.com bubble peak, the price level certainly is notContinue reading “Stock market is going to crash? 美国股市要大跌了吗?”

Closed-End Muni as a Passive Income for High Income Earner

高收入者的被动收入的法宝-封闭式地方债基金 I came across the closed-end muni in Sep and have started purchasing for 2-3 months. In this historically low interest environment, I believe it has provided high income earner a good alternative of tax-free cash flow monthly. 我在今年九月接触到封闭式地方债基金,并且这两,三个月都在购买。在利率历史新低点的, 我认为它提供了高工资人士一种免税月付分红。 Why Muni? Municipal bond’s income is tax exempted at federal level and state level ifContinue reading “Closed-End Muni as a Passive Income for High Income Earner”

Why Non-Hedge is Better 为什么不对冲反而更好

This year I have learnt a great lesson from investing in hedge fund in a volatile market. My financial advisor suggested a famous hedge fund from Renaissance for me last year, I was once excited and hoped it could boost my return over my passive index fund. However its return is brutal this year. 今年我在波动特别大的市场里深刻体会了投资对冲基金的风险。去年我的投资顾问给我推荐了一个文艺复兴的对冲基金,我非常的激动,希望能比我的大盘指数基金获得更好的回报。然而今年它的回报异常的差。Continue reading “Why Non-Hedge is Better 为什么不对冲反而更好”

How will the market move next year 明年美股方向

I am not a person who likes to predict how the market would move in the future, but given the historical moment we are at, it is probably worth thinking where we would put our money in the market next year. 我不喜欢预测股市,但是我们处在一个历史的关键点上,值得我们想想明年如何投资。 Who is the next President of United states is still in the air.Continue reading “How will the market move next year 明年美股方向”

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