Ntawm txhua qhov kev xaiv uas tus neeg ua lag luam yuav tsum ua, kev faib khoom vaj khoom tsev yuav yog qhov tseem ceeb tshaj plaws. Kev txiav txim siab yuav faib cov nyiaj koj nqis peev ntawm cov cuab yeej cuab tam sib txawv yuav tsum muaj kev pom meej ntawm lub hom phiaj thiab kev nkag siab ntawm txhua pawg qhov zoo thiab qhov tsis zoo. Tau ntau xyoo, ib qho ntawm cov cuab yeej cuab tam feem ntau faib ua qauv yog 60/40 cov ntaub ntawv, qhov twg 60% ntawm koj cov khoom muaj nqis mus rau hauv cov khoom lag luam thiab 40% tau muab tso rau hauv daim ntawv cog lus. Xyoo 2022, hom ntaub ntawv no tau raug ntaus hnyav, ua rau ntau tus xav paub yog tias 60/40 cov ntaub ntawv cov ntaub ntawv cov zaub xam lav hnub tau raug tso cai hauv daim iav saib tom qab. Lub tuam txhab tswj hwm Vanguard, txawm li cas los xij, xav tias lub tswv yim classic tuaj yeem muaj qee lub neej nyob hauv nws tom qab tag nrho.
Rau kev pab txheeb xyuas koj tus kheej lub tswv yim faib nyiaj txiag, xav txog kev ua haujlwm nrog tus kws pab tswv yim nyiaj txiag.
60/40 Portfolio Basics
60/40 portfolio yog zoo nkauj yooj yim to taub, raws li cov lej muaj nyob rau hauv lub npe - koj nqis peev 60% ntawm koj cov khoom muaj nqis xws li cov khoom lag luam thiab lwm yam 40% muab tso rau hauv cov nyiaj tau los ruaj khov xws li daim ntawv cog lus.
Ib qho kev siv ntawm 60/40 portfolio yog muab 60% ntawm koj cov nyiaj mus rau cov tuam txhab hauv S&P 500 thiab 40% rau hauv US Treasurys. Koj tuaj yeem tsim lub ntiaj teb 60/40 portfolio los ntawm kev nqis peev hauv cov tuam txhab txawv teb chaws thiab cov ntawv cog lus.
Muaj ntau txoj hauv kev los tsim cov hom ntaub ntawv no. Koj tuaj yeem nqis peev hauv ib lub tuam txhab thiab cov ntawv cog lus yog tias koj xaiv, lossis koj tuaj yeem faib koj cov nyiaj ntawm ntau yam kev sib koom ua ke thiab ETFs uas tau nqis peev rau cov khoom lag luam thiab cov ntawv cog lus rau koj.
60/40 Portfolio hauv 2022
Raws li tau sau tseg saum toj no, 2022 yog lub xyoo nyuaj tshwj xeeb rau 60/40 cov ntaub ntawv. Qhov nruab nrab tus nqi ntawm 60/40 portfolio poob los ntawm 16%. Nws yog ib qho tsim nyog sau cia, txawm li cas los xij, uas tuaj tom qab kaum xyoo ntawm kev ua tau zoo muaj zog, nrog rau 10-xyoo nruab nrab kev loj hlob ntawm 6.1% suav nrog xyoo nyuaj hauv 2022.
Todd Schlanger, tus kws tshaj lij kev nqis peev loj ntawm Vanguard tau hais tias "Lub xyoo caum dhau los tau ua haujlwm zoo rau 60/40," "Yog tias koj saib ntawm cuaj xyoo ua ntej 2022, lub ntiaj teb cov ntaub ntawv sib txawv tau tshaj tawm 8.9% txhua xyoo rov qab los, txawm tias qhov chaw muaj paj laum qis. Nws yog nyob rau ntawm txoj kev rau 92 feem pua ntawm cov txiaj ntsig raws li peb qhov kev kwv yees. Txawm tias tom qab noj 2022 rau hauv tus account, 10-xyoo rov qab los yeej qhov kev cia siab ntawm 63rd feem pua. "
Vanguard's 60/40 Outlook
Txhua yam uas tau hais, Vanguard xav tias cov lus ceeb toom ntawm kev tuag ntawm 60/40 portfolio yog exaggerated. Kev ntsuas ntawm cov tuam txhab tau poob qis, txhais tau tias muaj chaw rau kev loj hlob.
"Nrog rau cov txiaj ntsig zoo dua no, Vanguard tus qauv qhia tau hais tias qhov kev xav rov qab los thiab qhov xwm txheej phem tshaj plaws rau 60/40 cov ntaub ntawv tau txais txiaj ntsig zoo dua," said Ziqi Tan, tus kws tshaj lij kev nqis peev hauv Vanguard.
Raws li qhov kawg ntawm 2022, Vanguard cia siab tias lub xyoo caum tom ntej yuav nthuav tawm txhua xyoo rov qab los ntawm 6.09%. Los ntawm qhov sib piv, thaum kawg ntawm 2021 nws tau kwv yees ntau tshaj kaum xyoo yog kev loj hlob txhua xyoo ntawm 3.83%.
Cov kab hauv qab
60/40 cov ntaub ntawv tau txais txiaj ntsig tsis zoo hauv xyoo 2022, ua rau ntau tus xav tias cov khoom vaj khoom tsev faib cov cuab yeej cuab tam lub hnub qub yog yav dhau los. Vanguard, txawm li cas los xij, tab tom npaj qhov kev rov qab los thiab muaj zog rov qab los ntawm kaum xyoo tom ntej.
Cov tswv yim nqis peev
Tus kws pab tswv yim nyiaj txiag tuaj yeem pab koj txheeb xyuas cov khoom vaj khoom tsev zoo tagnrho rau koj thiab koj tsev neeg. Nrhiav ib tus kws pab tswv yim nyiaj txiag tsis tas yuav nyuaj. SmartAsset cov cuab yeej pub dawb phim koj nrog txog li peb tus kws pab tswv yim nyiaj txiag uas ua haujlwm rau koj thaj chaw, thiab koj tuaj yeem xam phaj koj tus kws pab tswv yim sib tw yam tsis tau them nqi los txiav txim seb qhov twg yog qhov zoo rau koj. Yog tias koj npaj siab nrhiav tus kws pab tswv yim uas tuaj yeem pab koj ua tiav koj cov hom phiaj nyiaj txiag, pib tam sim no.
Siv SmartAsset lub tshuab xam nyiaj peev kom tau txais kev nkag siab ntawm koj cov peev txheej yuav zoo li hauv txoj kev.
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The post Vanguard Hais Tsis Txhob Tso Rau 60/40 Portfolio tau tshwm sim thawj zaug ntawm SmartAsset Blog.
Tau qhov twg los: https://finance.yahoo.com/news/vanguard-says-dont-60-40-200900707.html