Nws Yuav Ua Li Cas Rau Koj Cov Peev Nyiaj Txiag Portfolio?

Inflation ua rau muaj kev puas tsuaj rau pob nyiaj siv thoob plaws lub tebchaws. Nrog rau Consumer Price Index (qhov taw qhia tseem ceeb ntawm kev nce nqi) ntaus 40-xyoo siab ua ntej xyoo no, nws yog ib qho teeb meem kev lag luam uas cuam tshuam rau txhua tus neeg Asmeskas.

Raws li tus neeg ua lag luam, lub tswv yim ntawm kev hloov pauv koj cov kev xaiv cov ntaub ntawv tau zoo yuav hla koj lub siab. Tej zaum koj yuav raug ntxias kom hloov kho los tawm tsam qhov kev nce nqi saum ntuj saum ntuj. Tab sis kev nce nqi yuav tsum cuam tshuam koj cov kev xaiv ua lag luam? Nov yog yam koj yuav tsum paub.

Qhov cuam tshuam ntawm kev nce nqi ntawm koj cov ntaub ntawv

Zoo li nws los tsis zoo li nce nqi yuav nyob ib ncig ntawm ib pliag. Txawm hais tias Tsoom Fwv Teb Chaws Reserve ua haujlwm los tawm tsam kev nce nqi nrog cov paj laum hikes, nws yuav siv sij hawm me ntsis los tswj peb qhov kev nce nqi tam sim no.

Lub CPI txias me ntsis thaum Lub Xya Hli 2022. Tab sis yog tias kev nce nqi nce siab tshaj 8%, txhua tus yuav xav tias qhov pinch. Nws tsis tuaj yeem zam tau tias kev nce nqi yuav cuam tshuam rau koj cov ntaub ntawv khaws tseg, tab sis nws yuav cuam tshuam rau cov khoom muaj nqis sib txawv. Ntawm no yog li cas kev nce nqi yuav cuam tshuam cov khoom lag luam thiab cov ntawv cog lus.

stocks

Cov khoom lag luam raug suav tias yog kev nqis peev ntau dua li cov nyiaj tau los. Yog tias koj tau ua lag luam rau ib lub sijhawm twg los xij, koj yuav pom tias cov nqi lag luam tuaj yeem nce thiab poob sai npaum li cas. Ob xyoos dhau los, nws yog ib qho kev caij tsheb tshwj xeeb rau cov tub ua lag luam nrog cov khoom lag luam hnyav.

Txawm hais tias cov khoom lag luam feem ntau nyob rau hauv txoj hauj lwm zoo dua kom muaj kev nce nqi ntau dua li cov ntawv cog lus, tsis yog tag nrho cov khoom lag luam muaj peev xwm los tawm tsam huab cua-high inflation. Piv txwv li, cov khoom lag luam hauv kev lag luam hluav taws xob tuaj yeem ua kom muaj kev nce nqi zoo dua li cov khoom lag luam hauv tech sector. Qhov ntawd yog vim lub zog cov nqi raug khi ncaj qha rau kev nce nqi. Cov neeg siv khoom tuaj yeem hla dhau ntawm cov khoom siv thev naus laus zis tshiab, tab sis lawv tsis tuaj yeem zam kev them nyiaj rau lub zog.

bonds

Bonds feem ntau suav hais tias yog kev nqis peev ruaj khov dua li cov khoom lag luam. Qhov kev pheej hmoo qis dua cuam tshuam nrog cov ntawv cog lus ua rau lawv ruaj khov dua, tab sis qhov tsis muaj kev pheej hmoo kuj ua rau qis dua. Thiab thaum kev nce nqi nce siab, cov ntawv cog lus feem ntau tsis tuaj yeem khaws cia.

Ib qho teeb meem nrog kev nce nqi rau cov tub ua lag luam yog vim tias daim ntawv cog lus yog cov nuj nqis raws li cov nuj nqis, lawv feem ntau tau kaw rau hauv cov paj laum tshwj xeeb. Yog li thaum Tsoom Fwv Teb Chaws Reserve pib nce cov paj laum hauv kev sib zog los tiv thaiv kev nce nqi, cov txiaj ntsig tiag tiag poob rau cov ntawv cog lus uas twb muaj lawm.

Txawm li cas los xij, muaj kev zam rau txoj cai no. Nyiaj Txiag Yuav-Inflation-Tiv Thaiv Kev Nyab Xeeb yog daim ntawv cog lus uas tau tsim tshwj xeeb los ua kom nrawm nrog kev nce nqi. Tom qab koj yuav TIPS, tus thawj coj yuav nce nrog kev nce nqi thiab txo qis nrog deflation. Cov kev hloov pauv tau ua raws li cov kev hloov pauv rau CPI, thiab cov paj laum tau them ob zaug hauv ib xyoos ntawm tus nqi taag.

Lwm txoj kev nqis peev

Cov khoom lag luam thiab cov ntawv cog lus tsis yog tib txoj hauv kev nqis peev nyob ntawd. Ntau tus tub ua lag luam muaj ib feem ntawm lawv cov ntaub ntawv khaws tseg rau lwm hom khoom muaj nqis.

Kev nqis peev hauv vaj tse los ntawm cov nyiaj tau los tsim cov khoom lossis kev nqis peev hauv vaj tse (REITs) muab koj cov ntaub ntawv nthuav tawm rau thaj chaw sib txawv ntawm kev lag luam. Feem ntau, vaj tse yog xav kom nce nrog kev nce nqi, tab sis tus kheej yam ntawm lub lag luam hauv zos tuaj yeem cuam tshuam qhov sib txawv.

Lwm cov kev nqis peev uas feem ntau kom nrawm nrog kev nce nqi suav nrog cov hlau muaj txiaj ntsig thiab qee yam khoom lag luam, xws li roj av, roj av, nplej, thiab lwm yam khoom siv ua liaj ua teb. Ntau tus tub ua lag luam xaiv ntxiv kub lossis nyiaj rau lawv cov ntaub ntawv pov thawj raws li kev tiv thaiv kev nce nqi.

Qhov downside rau qee qhov kev nqis peev uas lwm txoj hauv kev no yog tias koj yuav xav tau kev paub ntau ntxiv los pib. Tej zaum koj yuav tsum tau cog lus rau kev muaj thiab tiv thaiv lub cev khoom vaj khoom tsev, xws li cov nyiaj tau los ua khoom ntiag tug.

Xav txog lwm lub khw

Inflation tsis ib txwm cuam tshuam kev lag luam thoob ntiaj teb tib txoj kev tib lub sijhawm.

Txawm hais tias Asmeskas kev lag luam tab tom muaj kev nce nqi loj, tsis yog txhua lub tebchaws muaj teeb meem tib yam (lossis tsawg kawg tsis yog tib yam). Siv sijhawm los nqis peev hauv kev lag luam tawm tshiab los nrog kev pheej hmoo, tab sis qee qhov kev lag luam txawv teb chaws tuaj yeem muab txoj hauv kev zoo dua rau kev khaws nyiaj txiag.

Puas yog kev nce nqi yuav cuam tshuam koj cov ntaub ntawv?

Nws yog qhov tseeb tias kev nce nqi yuav muaj kev cuam tshuam tsis zoo rau feem ntau cov peev txheej.

Ib puag ncig inflationary ua rau nws nyuaj rau cov cuab tam los tsim cov txiaj ntsig zoo. Tom qab tag nrho, thaum kev nce nqi ntau dua 8%, koj yuav xav tau peev nyiaj rov qab los ntawm tsawg kawg yog 8% tsuas yog ua kom nrawm. Hais tau yooj yim dua li ua.

Nws yog qhov zoo tshaj plaws los tsim kom muaj ntau hom kev lag luam raws li txoj hauv kev kom txo qis qhov cuam tshuam ntawm kev nce nqi ntawm koj cov nyiaj rov qab. Nov yog qee qhov kev coj ua zoo tshaj plaws los txiav txim siab thaum koj tsim cov ntaub ntawv tsim tawm los ua kom nrawm nrog kev nce nqi:

Txhais Koj Lub Hom Phiaj

Inflation yog ib qho kev cuam tshuam kev lag luam uas noj tam sim ntawm kev yuav khoom. Thaum kev nce nqi nyob ib puag ncig, nws cuam tshuam rau txhua tus neeg cov nyiaj. Tab sis koj yuav tau txiav txim siab rau koj tus kheej seb hom kev kawm twg koj xav qhia nrog koj cov peev txheej.

Txhua tus xav kom tsis txhob muaj kev cuam tshuam ntawm kev nce nqi. Txawm li cas los xij, qhov ntawd tsis yog tib yam uas yuav tsum xav txog thaum tsim cov ntaub ntawv. Koj tseem yuav xav txiav txim siab seb qhov kev pheej hmoo siab npaum li cas koj nyiam. Nws tsis ua li cas los ua qhov kev pheej hmoo ntau dua lossis tsawg dua raws li koj nyiam.

Diversify

Tsis txhob dhia mus rau hauv ib tuj ntawm kev hloov, pib los ntawm kev ntsuam xyuas qhov twg koj cov ntaub ntawv tam sim no sawv. Yog tias koj tseem tsis tau muaj ntau haiv neeg, ces nws yuav yog lub sijhawm los hloov qee yam.

Txoj cai sib cais ntawm cov khoom lag luam thiab cov ntawv cog lus yog thawj tus lej los xav txog. Raws li ib tug neeg ua lag luam, koj yuav tau txiav txim siab seb qhov piv twg yog qhov zoo rau koj. Feem ntau, cov tub ua lag luam uas muaj kev pheej hmoo tsawg dua cov nqaij nyug nce lawv cov ntaub ntawv nrog ntau daim ntawv cog lus, thiab cov tub ua lag luam uas muaj kev pheej hmoo siab dua tuaj yeem nyiam nrog ntau cov khoom lag luam tsis hloov pauv hauv lawv cov ntaub ntawv.

Tab sis thaum nws los txog rau kev nce nqi siab, muaj ntau dhau ntawm koj cov ntaub ntawv hauv cov ntawv cog lus tuaj yeem rov qab los. Thaum kawg, koj yuav tsum ntsuas qhov volatility txaus ntshai cuam tshuam nrog kev lag luam Tshuag tawm tsam lub zog ntawm kev nce nqi.

Nyob rau hauv rooj plaub ntawm kev nce nqi, koj tuaj yeem txiav txim siab nyiam cov khoom lag luam me ntsis ntxiv. Los yog, yog tias koj tab tom yuav daim ntawv cog lus, TIPS thiab lawv cov kev tiv thaiv kev nce nqi yuav tsim nyog rau qhov chaw hauv koj cov ntaub ntawv.

Koj yuav tsum saib dab tsi sectors?

Thaum nws los txog rau cov khoom lag luam, qee qhov yuav ua tau zoo dua li lwm tus hauv ib puag ncig kev lag luam. Raws li ib tug neeg ua lag luam, nws yog ib qho tseem ceeb uas yuav tsum tau saib xyuas ob peb yam tseem ceeb. Nco ntsoov saib rau hauv Q.ai peev cov khoom siv tsim los ntawm cov peev txheej tshwj xeeb, xws li lub zog, inflation-resistant, los yog cov khoom lag luam loj hlob.

zog

Lub zog sector yog khi ze rau Consumer Price Index. Tus nqi ntawm cov roj, roj av, hluav taws xob, thiab cov roj nkev raws li kev siv hluav taws xob tag nrho ncaj qha mus rau CPI. Txij li CPI yog qhov ntsuas tseem ceeb ntawm kev nce nqi, kev sib raug zoo yog qhov tseeb.

Thaum cov nqi hluav taws xob nce lossis poob, CPI cuam tshuam. Nrog rau qhov ntawd, lub zog hluav taws xob tau npaj ua kom zoo thaum kev lag luam tab tom ntsib kev kub ntxhov. Qhov ntawd yog vim cov neeg siv khoom feem ntau tsis tuaj yeem hla kev yuav lub zog xav tau los ua haujlwm hauv zej zog. Piv txwv li, txawm tias tus nqi ntawm cov roj av siab, ntau tus neeg tseem yuav lawv cov nyiaj tsis tu ncua vim lawv tsuas xav tau kev mus los.

Staples

Cov neeg siv khoom tseem ceeb, zoo li cov khoom noj khoom haus, zoo li ua tau zoo thaum kev nce nqi nyob ib puag ncig. Qhov tseeb yog tias cov neeg yuav khoom tseem yuav tsum khaws lawv cov khoom noj txhua lub lim tiam ntawm cov mov ci, qe, thiab mis nyuj. Txawm hais tias tus nqi siab dua, ntau tsev neeg raug yuam kom siv nyiaj ntau dua rau cov khoom siv yooj yim uas muaj nyob rau hauv lub txee rau khoom noj thoob plaws lub tebchaws.

Vim li no, kev nqis peev hauv staple stocks yog ib txoj hauv kev zoo los tiv thaiv koj cov thawj koom ruam tiv thaiv kev nce nqi.

Kev Loj Hlob Cov Lus Pom

Cov khoom lag luam loj hlob feem ntau muaj cov nyiaj ntsuab tsawg kawg nkaus. Thaum lub sij hawm zoo thiab kev nce nqi tuaj yeem tswj tau, cov khoom lag luam loj hlob tuaj yeem nce siab. Tab sis thaum kev lag luam tab tom ntsib teeb meem nyuaj, cov neeg siv khoom raug yuam kom hloov pauv lawv cov kev siv nyiaj tsuas yog ua kom tiav. Nrog cov kev txiav nyiaj txiag no, nws nyuaj rau cov tuam txhab uas tsis muaj kev pabcuam tseem ceeb kom muaj sia nyob.

Kev loj hlob raws li cov khoom lag luam yuav siv sij hawm nyuaj-ntau tshaj qhov nruab nrab ntawm kev nce nqi, yog li khaws qhov no hauv siab thaum teeb tsa koj cov peev txheej.

kab hauv qab

Qee qhov kev nqis peev zoo dua rau kev zam rau ib puag ncig kev nce nqi ntau dua li lwm tus. Raws li Asmeskas kev lag luam nyob rau hauv lub sij hawm nce nqi, nws yog ib qho tseem ceeb uas yuav tsum ceev faj saib xyuas koj cov ntaub ntawv. Tab sis feem ntau nws tsis yog lub sijhawm tsim nyog los hloov pauv loj tshwj tsis yog tias koj cov ntaub ntawv khaws cia tsis muaj ntau yam txaus rau huab cua los nag.

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