Diversification muaj txiaj ntsig zoo rau cov ntaub ntawv pov thawj vim tias nws txo qis kev pheej hmoo. Kev pheej hmoo tsis tuaj yeem txo qis tag nrho, thiab yog li, cov tub ua lag luam sim sib npaug ntawm cov ntaub ntawv hauv ib txoj hauv kev los txo kev pheej hmoo thiab tseem cia cov ntaub ntawv loj hlob.
Muaj ntau txoj hauv kev los txo qhov kev pheej hmoo hauv cov ntaub ntawv. Ib qho yog hedging, tab sis nws kim heev thiab yuav tsum muaj kev nkag siab tob txog kev lag luam nyiaj txiag.
Lwm qhov yog ntxiv cov khoom muaj nqis uas tsis muaj feem cuam tshuam lossis muaj kev sib raug zoo tsawg rau koj cov ntaub ntawv. Bonds thiab stocks Ntxiv rau ib leeg vim tias daim ntawv cog lus muab kev ruaj ntseg rau cov ntaub ntawv khaws tseg, thaum cov khoom lag luam muaj kev hloov pauv ntau dua.
Tab sis ntau npaum li cas los faib rau txhua chav kawm khoom vaj khoom tsev? 60/40 portfolio yog kev daws teeb meem.
60/40 portfolio yog dab tsi?
60/40 portfolio yog ua los ntawm 60% stocks thiab 40% bonds. Lub tswv yim yog kom txo qis kev pheej hmoo thaum tsim cov khoom xa rov qab txawm tias kev lag luam nyiaj txiag muaj kev ntxhov siab vim tias muaj kev txo qis ntawm ob chav kawm khoom vaj khoom tsev.
2022 yog ib lub xyoo nyuaj rau 60/40 cov ntaub ntawv, raws li nws xa rov qab -24%. Txawm li cas los xij, cov ntaub ntawv zoo li no muaj qhov zoo tshaj plaws YTD kev ua tau zoo puas tau, xam raws li cov nyiaj rov qab txhua xyoo tom qab thawj lub lim tiam ua lag luam hauv Lub Ob Hlis.
Yog li vim li cas ib tug neeg yuav tsim ib qho 60/40 portfolio tom qab qhov kev ua haujlwm tsis zoo hauv 2023? Nov yog peb qhov laj thawj hauv kev pom zoo ntawm 60/40 portfolio:
- Qhov nruab nrab txhua xyoo rov qab nyob rau hauv ib puas xyoo yog +9.5%
- Tsuas yog ob zaug hauv ib puas xyoo muaj ob xyoos sib law liag thaum 60/40 cov ntaub ntawv tau txais txiaj ntsig tsis zoo
- Yuav tsum tau tsuas yog rebalancing txhua xyoo
Yuav tsim 60/40 portfolio li cas?
Daim ntawv yooj yim tshaj plaws ntawm cov ntaub ntawv no yog mus yuav cov khoom lag luam (piv txwv li, ETF uas taug qab lub khw muag khoom lag luam) thiab ETF uas taug qab cov ntawv cog lus.
S & P500 ETFs muaj tag nrho cov khoom muaj nqis txog $ 1 trillion. Kaum peb ETFs muaj nyob, thiab tus nqi nruab nrab yog 0.6%.
Raws li rau daim ntawv cog lus ETF, ib qho kev xaiv yuav yog IEF, uas sawv cev rau iShares 7-10 Xyoo Cov Nyiaj Txiag Nyiaj Txiag thiab taug qab cov txiaj ntsig kev nqis peev ntawm qhov ntsuas tau tsim los ntawm US Treasury bonds nrog cov khoom seem ntawm xya thiab kaum xyoo.
Source: https://invezz.com/news/2023/02/21/3-reasons-to-have-a-60-40-portfolio-in-2023/