持有 FAVRX 在过去十年间的表现估计落后于市场指数型替代产品 20-30%，造成了显著的机会成本。
逐段跳播
为了退休，我在我的403b账户里投了38万美元于FAVRX，一只2055目标日期指数基金。
For retirement, I have $380,000 invested in FAVRX, a 2055 target date index fund within my 403b.
不过Chanel，我们先来回答你关于FAVRX的问题。这就是大家在家都会做的事。我要你输入morningstar.com。这是一个完全免费的平台，没有赞助。大家都在用。打开morningstar.com，你会看到顶部有一个小小的搜索栏。
搜索FAVRX。这是Fidelity Freedom Index 2055 Fund Premium 2 Class。你会看到那里有一个叫Performance的标签。我点了Performance并向下滚动。
我能看到10年的数据，一直到2016年，显示的是投资的总回报。所以，我看到2016年是9.4，2017年是20.5，2018年是-7.1。很好。这样我们就有了这项投资的总业绩。
But Chanel, let's start answering your question about FAVRX. This is what everyone will do at home. I want you to type morningstar.com. This is a completely free platform, not sponsored.
Everyone uses it. Go to morningstar.com and you will see a small search bar at the top. Search for FAVRX. This is the Fidelity Freedom Index 2055 Fund Premium 2 Class. You will see a tab there called Performance.
I clicked on Performance and scrolled down. I can see 10 years of data, up to 2016, showing me the total return on investment. So, I see 9.4 in 2016, 20.5 in 2017, -7.1 in 2018.
Great. So, we have the total performance of this investment.
那么，Robert，我们来回顾一下。2016年，FAVRX的回报是9.4%，而VOO是12.1%。相差2.5个百分点。2017年，FAVRX是20.5%。VOO是21.8%。我看到一个规律。
2018年，FAVRX亏损7.2%。VOO在同一年亏损4.5%。我真的看到一个规律。2019年，VOO是31.5%，而FAVRX是26%。
So, let's review it, Robert. In 2016, FAVRX returned 9.4%, while VOO was 12.1%. This is a difference of 2.5 percent. In 2017, FAVRX was 20.5%. VOO was 21.8%. I see a pattern. In 2018, FAVRX lost 7.2%.
VOO lost 4.5% in the same year. I really see a pattern. In 2019, VOO's was 31.5% compared to FAVRX's 26%.
他前面还有30年的复利，但他把这四年的退休资金投在像FAVRX这样的目标日期基金里，而不是投在通常便宜的VOO或QQQM或其他随市场浮动的基金里，可能因此错过了那四年的两位数回报。
He has another 30 years of compounding ahead of him, but he may have missed out on double-digit returns in those four years by putting his retirement funds in target date funds like FAVRX, rather than investing in the usual cheap VOO or QQQM or some other fund that floats with the market.
但我要说，过去10年里，你把钱投在这只FAVRX目标日期基金里，可能已经损失了20%或30%，而且你知道，40万美元的10%或15%大约是6万美元。
but I would say, over the last 10 years, you've probably lost 20 or 30 percent by putting money in this FAVRX target date fund, and you know, 10 or 15 percent of $400,000 is about $60,000.
这个频道对 $FAVRX 的历次判断
Rich Habits 在这只股票上只有这一条判断。