Yog tias koj tshiab rau kev lag luam Tshuag, tej zaum koj yuav muaj qhov tsis txaus ntseeg: Tus nqi ntawm koj cov peev txheej tau poob qis hauv ob peb lub hlis dhau los.
Txawm hais tias tej zaum yuav txhawj xeeb, tsis txhob ntshai. A dais kev ua lag luam- txhais raws li kev lag luam poob qis ntawm 20% lossis ntau dua - tshwm sim los ntawm ib ntus. Cov khoom lag luam feem ntau xaub mus rau hauv lub lag luam dais thaum cov tub ua lag luam txhawj xeeb tias kev lag luam yuav qeeb, stunting cov tuam txhab nyiaj tau los loj hlob. Kev ntshai kev poob nyiaj tau nce siab txij li thaum pib ntawm lub xyoo no, thaum Tsoom Fwv Teb Chaws Reserve tau qhia tias nws yuav mob hnyav txog kev nce cov paj laum los tiv thaiv kev nce nqi nce ntxiv.
Kev lag luam dais tsis ntev los no tau tshwm sim thaum Lub Ob Hlis 2020, thaum tus mob coronavirus pandemic tau ua rau muaj kev poob siab los ntawm kev lag luam thoob ntiaj teb thiab kev lag luam. Tab sis kev muag khoom tau dhau los yuav luag ua ntej nws pib. Thaum lub Peb Hlis lig, thaum nws pom tseeb tias ntau lub tsev txhab nyiaj hauv nruab nrab thiab tsoomfwv yuav thim rov qab cov tuam txhab thiab cov neeg siv khoom, cov khoom lag luam tau pib nce ntxiv. Thiab los ntawm lub yim hli ntuj 2020, lub
S&P 500
,
tus qauv US stock-market index, tau ua qhov siab tshiab.
Lwm lub lag luam dais, suav nrog kev lag luam dais uas tshwm sim los ntawm 2008-'09 nyiaj txiag teebmeem, tau siv sijhawm ntev dua ib hlis. Tab sis txawm nyob rau hauv lub lag luam dais, muaj ntau heev koj tuaj yeem ua los tso koj tus kheej rau kev noj qab haus huv nyiaj txiag mus sij hawm ntev.
Qhov tseem ceeb tshaj plaws, nyob hauv kev ua lag luam. Raws li Emily Roland, tus thawj tswj hwm kev nqis peev ntawm John Hancock Investment Management, hais tias, lub sijhawm hauv kev ua lag luam ntaus "sij hawm” kev ua lag luam, lossis kev lag luam hauv thiab tawm raws li kev xav txog qhov twg tus nqi yuav mus. Nyob nruab nrab ntawm 1928 thiab 2021, dov 10-xyoo cov khoom xa rov qab tau zoo 94% ntawm lub sijhawm, raws li John Hancock cov ntaub ntawv.
Rob Arnott, tus tsim ntawm lub tuam txhab tswj xyuas nyiaj txiag Research Affiliates hais tias "Yog tias koj nyob rau theem kev nplua nuj ntawm lub neej, koj xav tau cov khoom pheej yig," hais tias Rob Arnott, tus tsim ntawm lub tuam txhab tswj xyuas nyiaj txiag Research Affiliates, "Koj yuav tsum tau rooting rau lub lag luam dais."
Yog li cas koj yuav tsum nqis peev thaum lub lag luam dais? Nov yog rau lwm cov lus qhia los pab koj taug qab txhua lub khw.
1. Nkag mus rau Cov Nyiaj Txiag Nyiaj Txiag 101
Cov duab los ntawm Alberto Miranda
Ua ntej yuav nqis peev nyiaj hauv khw lag luam, thawj cov tub ua lag luam yuav tsum tsom mus rau kev ntxiv dag zog rau lawv cov peev txheej nyiaj txiag, hais tias Catherine Valega, tus kws tshaj lij nyiaj txiag uas tau lees paub nrog Green Bee Advisory. Ua ntej tsim cov nyiaj khaws cia thaum muaj xwm txheej ceev nrog tsawg kawg yog rau lub hlis tus nqi ntawm cov nuj nqis nyob, nws hais. Qhov no tseem ceeb dua nrog kev lag luam qeeb, thiab muaj peev xwm ua rau muaj kev lag luam poob qis, uas tuaj yeem ua rau muaj kev poob haujlwm.
Teem ib tus as-qhauj nyiaj laus, ib yam nkaus, los ntawm kev txhawb nqa kev ua haujlwm 401 (k) nyiaj laus los yog ib tus account nyiaj laus, lossis IRA. Thaum koj muaj ib tus as-qhauj, ua haujlwm kom nce koj cov nyiaj tau los txhua xyoo rau qib uas tau tso cai los ntawm txoj cai. Yam tsawg kawg, sim nce lub sijhawm feem pua ntawm koj daim tshev nyiaj mus rau koj tus lej nyiaj laus, Valega hais.
2. Them Cov Nqi Them Siab Tshaj Plaws
Cov duab los ntawm Alberto Miranda
Lwm qhov tseem ceeb rau cov tub ua lag luam hluas yuav tsum tau them cov nuj nqis siab, hais tias Vivian Tu, tus tsim kev paub txog nyiaj txiag ntawm TikTok. Hauv Tu, qhov no yog ib qho nuj nqis nrog tus paj laum siab dua 7%, suav nrog feem ntau cov nuj nqis credit card. Nrog cov paj laum zoo li yuav nce ntxiv, cov nuj nqis ntawd tuaj yeem kim dua, nws hais.
3. Ua lag luam rau cov khoom muaj txiaj ntsig zoo thiab ua kom koj cov ntaub ntawv sib txawv
Cov duab los ntawm Alberto Miranda
Ib txoj hauv kev zoo rau kev nqis peev ntawm cov lag luam hauv lub sijhawm ntev mus rau kev lag luam yog kev nqis peev hauv kev sib koom ua lag luam lossis kev sib pauv pauv nyiaj, lossis ETF, uas taug qab S&P 500.
SPDR S&P 500 ETF
(ticker: SPY) yog ib qho piv txwv. Yog tias koj muaj ib tus as-qhauj nyiaj laus, koj tuaj yeem xaiv los nqis peev rau hauv lub hom phiaj-hnub nyiaj raws li koj xav tau hnub so haujlwm, uas hloov pauv cov khoom lag luam / daim ntawv cog lus thaum koj muaj hnub nyoog.
Rau cov tub ua lag luam uas xav ua kom muaj tes ntau dua, Tu pom zoo kom tsom mus rau cov neeg siv khoom-staples cov khoom lag luam thiab cov khoom lag luam, cov khoom siv, thiab cov tuam txhab hluav taws xob, uas tsis yog nyob ntawm cov neeg siv khoom siv. Tab sis tsuas yog nqis peev yam koj xav tias koj muaj peev xwm them taus, thiab tsis txhob tso nyiaj rau hauv kev ua lag luam uas koj yuav xav tau nyob rau xyoo tom ntej, Tu hais.
Diversification yog lwm qhov tseem ceeb. Tsis txhob nqis peev tag nrho koj cov nyiaj hauv ib qho khoom lag luam lossis khoom vaj khoom tsev, hais tias Anne Lester, tus thawj coj ntawm kev daws teeb meem nyiaj laus ntawm
JPMorgan
kev tswj cov cuab yeej cuab tam. Hloov chaw, sim ua kom muaj kev sib txawv ntawm cov ntawv cog lus zoo thiab cov khoom lag luam, nws hais.
4. Siv Dollar-Nqis nruab nrab
Cov duab los ntawm Alberto Miranda
Ntau dua li kev nqis peev ib pob nyiaj hauv kev ua lag luam, Valega pom zoo kom faib cov nyiaj ntawd rau hauv qhov sib npaug thiab nqis peev nws ib ntus. Lub tswv yim no hu ua duas-nqi nruab nrab. Cov tub ua lag luam uas tus nqi nruab nrab yuav nyiaj ntau dua ntawm kev nqis peev thaum tus nqi qis, thiab tsawg dua qhov sib koom thaum tus nqi siab, uas qhov nruab nrab tawm mus rau tus nqi nruab nrab qis dua lub sijhawm. Cov nyiaj pab tsis tu ncua rau cov nyiaj laus xws li 401 (k) s yog ib daim ntawv ntawm tus nqi nruab nrab.
5. Tsis txhob cuam tshuam rau "Sexy" nqis peev
Cov duab los ntawm Alberto Miranda
Kev lag luam dais yuav tsis yog lub sijhawm zoo tshaj plaws los nqis peev hauv cov khoom muaj nqis pheej hmoo, xws li cryptocurrencies, nonfungible tokens, thiab cov khoom lag luam zoo heev, Valega hais. Yog tias tus tub ua lag luam hluas tau nqis peev ntau hauv crypto, piv txwv li, nws pom zoo kom nrhiav txoj hauv kev los faib rau ntau yam khoom muaj nqis, xws li cov khoom lag luam thiab cov ntawv cog lus, txhawm rau txhawm rau hloov pauv. "Kuv tsis tawm tsam nws, tab sis tsuas yog ua qhov ntawd nrog nyiaj koj tuaj yeem them taus poob," Valega hais txog kev nqis peev tshiab.
6. Kev tshawb fawb, kev tshawb fawb, kev tshawb fawb
Cov duab los ntawm Alberto Miranda
Nco ntsoov ua koj cov ntawv ua tom tsev ua ntej nqis peev hauv ib qho cuab tam, txawm tias cov khoom lag luam, cov ntawv cog lus, cov nyiaj, lossis cryptocurrencies. Kev tshaj xov xwm tej zaum yuav yog qhov pib zoo, Tu hais tias, tab sis nws yog ib qho tseem ceeb rau kev txheeb xyuas qhov koj kawm nrog ntau qhov kev tso cai, xws li kev tshaj tawm nyiaj txiag, lub tuam txhab nyiaj txiag lossis tus kws pab tswv yim, lossis tus kws tshaj lij hauv cov ncauj lus. Lester pom zoo cov vev xaib xws li Investopedia thiab
Nerdwallet
,
uas lub hom phiaj kom nce kev paub txog nyiaj txiag.
Online brokerages, xws li TD Ameritrade, Fidelity Investments,
Hood
), Thiab
SCHW
), muab cov neeg siv khoom ntau cov ntaub ntawv ntawm tus kheej cov khoom lag luam thiab nyiaj txiag. Cov peev txheej tseem ceeb yog cov ntawv tshaj tawm tus kws tshuaj ntsuam xyuas, cov ntxaij vab tshaus ntawm cov khoom lag luam, thiab cov cuab yeej los ua cov kev tshawb fawb ntxiv. Los yog, koj tuaj yeem mus ncaj qha mus rau qhov chaw, nyeem cov tuam txhab kev tswj hwm cov ntaub ntawv lossis cov ntawv tshaj tawm nyiaj txiag.
Cov lag luam confound amateurs thiab cov kws txawj ib yam nkaus. Tab sis yog tias koj tsim ib txoj kev npaj txuag nyiaj thiab kev nqis peev - thiab nrog lawv - koj yuav tawm mus rau qhov pib zoo.
Sau rau Sabrina Escobar ntawm [email tiv thaiv]
Tau qhov twg los: https://www.barrons.com/articles/how-to-invest-bear-stock-market-51658518245?siteid=yhoof2&yptr=yahoo