Inkcazo kunye neSicwangciso soLawulo lwePortfolio ye-Mutual Fund Investing
Njengamacebo amaninzi kunye nefilosofi ezona zilungileyo kakhulu, ingundoqo kunye nesathelayithi ilula kwaye isebenzayo, ingakumbi ixesha elide, ukuthenga nokugcina imali.
Inkcazo yeCore and Satellite
I-core kunye neSatellite iyindlela yokuqulunqa i-portfoliyo eyimfuneko kunye nexesha eliqhelekileyo eliqukethe "ingundoqo," njengengxowankulu enkulu yesikhokhelo-mali, ebonisa inxalenye enkulu yepotfolio, kunye nezinye iintlobo-mali " "iimali-ngasinye sinamacandelo amancinci kwipotfoliyo yokudala yonke into.
Injongo ephambili yale mveliso yoyilothifoliyo kukunciphisa umngcipheko ngokusebenzisa ulwahlulo (ukubeka amaqanda akho kwiibhasikiti ezahlukeneyo) ngelixa uphumelele (ukufumana imbuyiselo ephezulu kune-benchmarkmark) yokusebenza, njenge- S & P 500 Index . Isishwankathelo, iphothifoliyo yesiKhulu kunye neThala leSatellite liyakufumana ukufumana ukubuyisela ngaphezu kwe-average nge-average-risk risk for investor.
Qalisa Ngeyona Nkcitho
I-hold holding engundoqo yintlawulo ye-stock-cap, efana ne -S & P 500 ye-index index . Ingundoqo iya kubonisa inxalenye enkulu yepotfoliyo yakho. Ipesenti efanelekileyo kwipotfoliyo ehambelanayo , umzekelo, ngu-30-40%.
Isizathu sokuba iimali zengxowa-zimali ezinkulu zisebenza kakuhle kunye neenkampani eziphambili kuba ulwazi malunga nenkampani ezinkulu, ezifana neWal-mart, iGe, Exxon kunye neMicrosoft, ifumaneka ngokukhawuleza kuluntu ukuba kunzima kakhulu kubatyalo-mali ukuba baqhubeke beqhuba kwiimarike, ingakumbi kwixesha elide.
Ngamanye amazwi, ukuba nangona iprosti inexesha elinzima lokubetha i- S & P 500 , kutheni unokwenza ngcono? Unokufunda okungakumbi malunga nale ngqiqo nokuqiqa ukusetyenziswa kwemali yenkcazo ngokufunda malunga ne- Hypothesis yeeMakethe esebenzayo (EMH) .
Yongeza i-Satellites
Emva kokuthenga i-core-cap core, iintlobo ezahlukeneyo zemali-"ama-satellites" -ukubonakalisa iintlobo ezahlukeneyo zeengxowa-mali ziza kugqiba isakhiwo sePortfolio yeCor and Satellite.
Ezi ezinye iimali zingabandakanya isisitja se-cap, isitotyi esincinci, isitoko samazwe angaphandle, ingeniso eqhotyoshelweyo (ibhondi), iimali zecandelo kunye nemali yemarike yemali. Ezi satellites ziyimali eza kunceda umnini-mali, ukuba uphumelele kwesi sicwangciso, ukufumana iimbuyiselo eziphezulu kunomlinganiselo, njengeS & P 500 .
Okona ubuncinci, kwaye mhlawumbi okubaluleke kakhulu, uyilo lokwakha iipotfoliyo eziKhulu kunye neThala leStatellite linganceda ukuqinisekisa ukuba abatyalo-mali bahlukeneyo phakathi kweentlobo ezahlukeneyo zee-asethi (amasheya, iibhonki kunye nemali) kunye neendidi ezahlukeneyo zeengxowa-mali. Olu lwabiwo lweefa kunye nokwenza utyalo-mali lunokukunceda umnini-mali ukuba afumane ukubuyiswa okufanelekileyo kwimingcipheko efanelekileyo.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.