Koj puas muaj kev sib txuas lus zoo nrog koj tus kws pab tswv yim nyiaj txiag.
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Lus Nug: Kuv tau saib kuv cov nyiaj poob 20% xyoo no, uas yog qhov zoo dua li kev ua lag luam, tab sis pib lub Peb Hlis thiab ntxiv rau lub Tsib Hlis, kuv tau pauv cov lus nrog kuv tus broker nug dab tsi, yog tias muaj kev hloov pauv hauv kev coj ua / kev nqis peev uas lawv tau ua / yuav muab. kev lag luam volatility thiab nyuaj nyiaj txiag lub sij hawm, raws li kuv tau pom me ntsis txav nyob rau hauv lub loj pob tawb ntawm stocks lawv tuav nyob rau hauv kuv cov nyiaj. Kuv tau dhau qhov no qee xyoo dhau los thiab tau txais cov lus teb tsis txaus ntseeg zoo ib yam. (Xav nrhiav tus kws pab tswv yim nyiaj txiag? Koj tuaj yeem siv cov cuab yeej no kom tau txais kev sib tw nrog tus kws pab tswv yim nyiaj txiag uas yuav ua tau raws li koj xav tau ntawm no.)
Los ntawm thiab loj, lawv tau ua zoo rau kuv, thiab kuv paub txhua xyoo tsis tuaj yeem yog 15-20% xyoo. Qhov ntawd hais tias, thaum lub lag luam tig mus rau sab qab teb, nws puas yuav tsum tau kom lawv khaws kuv hauv thiab caij lub khw muag khoom mus rau qhov twg nws tsaws? Los yog yuav tsum muaj kev hloov pauv hauv cov tswv yim peev thiab tej zaum txawm mus rau qee qhov nyiaj nce qib kom tau txais txiaj ntsig ntawm cov khoom lag luam raug ntaus? Kuv cov nyiaj yuav luag ib txwm 98% nqis peev nrog nyiaj me me. Kuv pib lub xyoo ntawm $ 3,850,000 thiab tam sim no kuv poob 20%, uas tau txais kuv lub siab. Koj xav kom kuv ua dab tsi?
teb: Ua ntej tshaj, tsis muaj kev sib txuas lus zoo ntawm koj thiab koj tus broker yog qhov teeb meem - thiab tuaj yeem yog vim li cas thiaj nrhiav tau tus neeg tuaj yeem thiab piav qhia qhov tshwm sim nrog koj cov nyiaj rau koj txaus siab. Bobbi Rebell, tus sau ntawm Launching Financial Grownups thiab tus kws tshaj lij nyiaj txiag ntawm Tally, hais tias koj thiab koj tus kws pab tswv yim nyiaj txiag yuav tsum tau sib tham txog, thiab nyob rau tib nplooj ntawv, hais txog koj qhov kev pheej hmoo, ncua sij hawm thiab cov hom phiaj. Rebell hais tias "Nws zoo li kev sib tham tsis tshwm sim," Qhov sai dua koj tuaj yeem ntsib nrog koj tus broker thiab xyuas kom lawv tau txais koj qhov kev pheej hmoo, ncua sij hawm thiab cov hom phiaj rau hauv tus account, qhov zoo dua. (Xav nrhiav tus kws pab tswv yim nyiaj txiag? Koj tuaj yeem siv cov cuab yeej no kom tau txais kev sib tw nrog tus kws pab tswv yim nyiaj txiag uas yuav ua tau raws li koj xav tau ntawm no.)
"Cov lus nug txog lub sijhawm ua lag luam yog qhov ua haujlwm nyuaj heev, vim tias nws yuav tsum tau txais ob qho tib si muag thiab kev yuav khoom tom ntej ua kom zoo nyob rau lub sijhawm muaj kev kub ntxhov," hais tias tus kws pab tswv yim nyiaj txiag Bruce Tyson ntawm Morton Wealth. Ntxiv Rebell: "Nyob rau hauv kev nqis peev mus sij hawm ntev, nyob rau hauv ib qho kev sib txawv portfolio, txawm tias thaum lub lag luam poob qis, feem ntau tau ua pov thawj los ua ib lub tswv yim zoo. Nco ntsoov, tus nqi ntawm cov khoom lag luam lossis kev nqis peev tsuas yog teeb meem rau hnub koj yuav thiab hnub koj muag, "Rebell hais. Tseeb tiag, thaum nws yuav nyuaj rau saib tus nqi ntawm koj cov kev nqis peev nqis mus, nws yuav mob ntau dua los muag ntawm kev lag luam qis thiab tom qab ntawd tsis tau nqis peev thaum lub lag luam nce siab dua.
Puas muaj teeb meem nrog koj tus kws pab tswv yim nyiaj txiag lossis nrhiav ntiav ib tus tshiab? Email [email tiv thaiv].
Grace Yung, tus kws tshaj lij kev npaj nyiaj txiag ntawm Midtown Financial Group, hais tias tej zaum koj yuav xav xav txog qhov no: Yog tias qis dua 20% tsis xis nyob rau koj, ces nce 20% kuj yuav tsum tsis xis nyob vim nws yog tus chij uas cov ntaub ntawv tuaj yeem ua tau. viav vias 20% nyob rau hauv ib qho kev taw qhia, hais tias Yung. "Kev txheeb cais tau ua pov thawj tias nws yog lub sijhawm hauv kev ua lag luam, tsis yog lub sijhawm ua lag luam uas pab cov tub lag luam ua tiav hauv kev nqis peev mus ntev. Yog vim li cas lub lag luam indexes outperform qhov nruab nrab investor yog vim hais tias tus nruab nrab investor sim mus rau lub sij hawm cov khoom los ntawm kev muag thaum lub lag luam poob thiab yuav rov qab nyob rau hauv lub tom ntej thaum lub lag luam rov qab, "hais tias Yung.
Tab sis qhov ntawd tsis tau txhais hais tias tus broker tsis ua dab tsi yog qhov kev txav mus los. "Muaj ntau tus neeg siv kev lag luam dips ua ib txoj hauv kev los yuav cov khoom lag luam ntawm tus nqi qis. Kev ntshai muag raws li kev lag luam poob qis tuaj yeem yog qee yam uas koj yuav khuv xim, nws tuaj yeem ua nyuaj tab sis kev ua siab ntev thiab kev xav tau them rau cov tub ua lag luam, "hais tias Rebell. Ntxiv Yung: Yog tias koj muaj nyiaj ntxiv, tam sim no yog lub sijhawm zoo los ntxiv rau kev nqis peev zoo rau qhov nruab nrab tus nqi qis. “Muaj kev muag khoom mus ntxiv. Qhov no tsuas yog kev lag luam uas tib neeg khiav tawm ntawm kev muag khoom. Yog tias koj yog tus kiv cua ntawm golf thiab Callaway tshaj tawm 20% kev muag khoom ntawm tag nrho lawv cov koom haum, feem ntau cov neeg tuaj yeem ua kom zoo dua ntawm kev muag khoom. Vim li cas peb tsis ua tib yam rau cov khoom lag luam? Peb yuav tsum, ”hais tias Yung.
Xav txog cov se ib yam nkaus, hais tias Yung hais. Yog tias koj nyob hauv tus account tsis yog nyiaj laus lossis cov se tau them se, koj tuaj yeem siv lub sijhawm no los thim rov qab thiab phau ntawv poob los ua khub tiv thaiv cov txiaj ntsig yav tom ntej raws li lub tswv yim them se. Yung hais tias "Kev tswj hwm kev nqis peev los ntawm kev pom se yog qhov uas tus neeg ua lag luam paub zoo yuav tsum xav txog lub sijhawm zoo li no," Yung hais.
Nug koj tus kheej thiab yog tias koj cov ntaub ntawv tam sim no tau nqis peev zoo li cas, thiab koj tus broker ua dab tsi? Yog tias cov nyiaj no yuav raug siv rau cov hom phiaj ib txwm muaj xws li kev kho vaj tsev, nyiaj laus laus, nyiaj kawm ntawv qib siab thiab them nyiaj rau menyuam yaus tshoob, Tyson hais tias qhov no 98% faib rau cov khoom lag luam yog siab dhau, tshwj xeeb tshaj yog tias cov tub lag luam nyob ze ntawm cov nyiaj laus. hnub nyoog. "Ib qho kev faib nyiaj ncaj ncees yuav tsum raug txwv rau qhov feem pua ntawm cov neeg ua lag luam tuaj yeem muaj kev xav nrog, vim tias kev kho lag luam tseem ceeb yog qhov tshwm sim ntau zuj zus. Nrog rau cov ntaub ntawv tshaj tawm ntawm $ 3 lab, nws tuaj yeem sib npaug nrog cov kev hloov pauv tsis hloov pauv ntawm kev nqis peev los ntawm nws tus kws pab tswv yim uas mus dhau ntawm cov khoom lag luam thiab cov ntawv cog lus uas cov tub lag luam muag feem ntau txwv, "hais Tyson. Tab sis, nws hais ntxiv tias yog tias qhov no yog cov peev txheej dhau los uas tau sau kom dhau mus rau tiam tom ntej, ces muaj qhov tsim nyog rau lub tswv yim tam sim no.
Puas muaj teeb meem nrog koj tus kws pab tswv yim nyiaj txiag lossis nrhiav ntiav ib tus tshiab? Email [email tiv thaiv].
*Cov lus nug edited rau brevity thiab clarity.
Cov lus qhia, cov lus pom zoo lossis cov qeb uas tau hais hauv tsab xov xwm no yog cov ntawm MarketWatch Picks, thiab tsis tau raug tshuaj xyuas lossis pom zoo los ntawm peb cov koom tes ua lag luam.
Source: https://www.marketwatch.com/story/i-started-the-year-with-3-85m-but-have-watched-my-accounts-drop-20-when-i-asked-about-it-i-got-unsatisfactory-answers-from-my-financial-adviser-that-said-he-by-and-large-has-done-well-for-me-whats-my-move-11659388469?siteid=yhoof2&yptr=yahoo