如果计算出在美国的401（K）退休计划中可供选择的28个共同基金的“投资价值指数”，然后把全部资金投入到“投资价值指数”最高的基金中，那么从2003年1月到2014年12月的资金成长曲线如下：
28个共同基金、交易信号提前的“默默投资系统”（年均回报率+36.9%）
28个共同基金、交易信号滞后的“默默投资系统”（年均回报率+13.4%）
与16种主要资产的“默默投资系统”一样，当投资系统发出前瞻的信号时，刻不容缓地马上完成操作十分重要，错过交易时机会在长期投资回报率上有很大的损耗。
在美国的401（K）退休计划中可供选择的28个共同基金名单
（Be aware that some of these funds have
front-end or back-end load fees if you buy them outside retirement plans.
Remember, always buy low cost, no-load mutual funds）
JPMorgan Government Bond Fund - Class A Ticker: OGGAX
PIMCO Total Return Fund - Class A Ticker: PTTAX
BlackRock High Yield Bond Portfolio - Investor A Class Ticker: BHYAX
Oppenheimer International Bond Fund - Class A Ticker: OIBAX
JPMorgan SmartRetirement Income Fund - Class A Ticker: JSRAX
Invesco Equity and Income Fund - Class A Ticker: ACEIX
Columbia Dividend Income Fund - Class A Ticker: LBSAX
American Century Equity Growth Fund - Class A Ticker: BEQAX
Fidelity Advisor Diversified Stock Fund - Class A Ticker: FDTOX
SSgA S&P 500 Index Fund Ticker: SVSPX
Calvert Equity Portfolio - Class A Ticker: CSIEX
ClearBridge Large Cap Growth Fund - Class A Ticker: SBLGX
Morgan Stanley Growth Portfolio - Class L Ticker: MSHLX
Principal Mid Cap Value Fund III - Class R3 Ticker: PJPPX
Columbia Mid Cap Index Fund - Class A Ticker: NTIAX
Columbia Acorn Fund - Class A Ticker: LACAX
Invesco Small Cap Value Fund - Class A Ticker: VSCAX
Columbia Small Cap Core Fund - Class A Ticker: LSMAX
Columbia Small Cap Index Fund - Class A Ticker: NMSAX
Franklin Small Cap Growth Fund - Class A Ticker: FSGRX
Janus International Equity Fund - Class S Ticker: JSIEX
Oppenheimer Global Fund - Class A Ticker: OPPAX
Virtus Emerging Markets Opportunities Fund - Class A Ticker: HEMZX
Davis Financial Fund - Class A Ticker: RPFGX
BlackRock Health Sciences Opportunities Portfolio - Service Class Shares
Ticker: SHISX
Prudential Jennison Natural Resources Fund - Class A Ticker: PGNAX
Invesco Real Estate Fund - Investor Class Shares Ticker: REINX
Invesco Energy Fund - Class A Ticker: IENAX
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