不要把雞蛋放在同一個籃子裏
當然如果你是股神，那應該沒關係
A flood of new traders joined the market in 2020 thanks to the coronavirus pan
demic.
Most of those traders are sitting on big gains at this point thanks to a histo
ric market rally, but much of the easy rebound money may have already been mad
e at this point.
Looking ahead to 2021, now is the time for new investors to start thinking abo
ut positioning their portfolio for the long-term. One of the best ways to prot
ect your 2020 gains is by taking advantage of the power of diversification.
Here's an introduction to diversified investing and four tips for making sure
your portfolio is diversified.
Don't Put All Your Eggs In One Basket: Even if you love a particular stock or
two, putting all your money in one or two companies is an unnecessarily large
risk.
Lehman Brothers investors in 2007 had no idea the types of risky mortgage deri
vative bets banks were making behind the scenes. Enron investors had no idea t
he type of fraudulent accounting that was going on under their noses.
Diversify your portfolio by investing in a number of different stocks in diffe
rent market sectors. Mix growth stocks and value stocks, technology stocks and
utilities, real estate investment trusts and SPACs, U.S. dividend stocks and
emerging market stocks.
Make sure you don't miss the next hot market sector, and don't get crushed by
the next cold one.
Take Advantage Of Mutual Funds, ETFs: In 2021, it's never been easier to diver
sify your portfolio by taking advantage of mutual funds and ETFs. If you want
to have individual stocks like Tesla Inc (NASDAQ: TSLA), Apple, Inc. (NASDAQ:
AAPL) and Walt Disney Co (NYSE: DIS) as core holdings, there's nothing wrong w
ith that.
At the same time, try to allocate a large percentage of your portfolio to dive
rsified ETFs, such as the SPDR S&P 500 ETF Trust (NYSE: SPY), the iShares Core
S&P 500 ETF (NYSE: IVV) and the Vanguard Total Stock Market Index Fund ETF (N
YSE: VTI).
With just one click, your portfolio can go from three holdings to hundreds or
even thousands of holdings thanks to the diversification power of ETFs.
Think Outside The Stock Market: Not only should your portfolio contain a diver
sified mix of stocks, it should also contain a diversified mix of asset classe
s. A truly diversified portfolio will have at least some allocation to assets
such as bonds, commodities, real estate, cash, gold or even cryptocurrency.
Here are some of the most popular funds to consider to diversify outside of th
e stock market:
iShares Core US Aggregate Bond ETF (NYSE: AGG)
SPDR Gold Trust (NYSE: GLD)
Vanguard Real Estate Index Fund ETF (NYSE: VNQ)
Invesco Optimum Yld Dvsfd Cmd Str No K-1 ETF (NASDAQ: PDBC)
Grayscale Bitcoin Trust (Btc) (OTC: GBTC)
Consider Your Investing Time Horizon: If you're relatively young, you can safe
ly take a much more aggressive approach to investing than if you are approachi
ng retirement.
From 1926 to 2018, a portfolio of 100% stocks averaged roughly a 10.1% average
annual return. However, that portfolio also generated an annual net loss in 2
6 out of 93 years, or about 28% of the time.
During the same stretch, a portfolio of 80% bonds and just 20% stocks generate
d an average annual return of only 5.3%, but it produced an annual net loss in
just 13 out of the 93 years, or about 14% of the time.
Typically, the older you are, the more conservative you want to be with your i
nvestments. Stocks are considered among the highest-risk investments, whereas
certificates of deposit and U.S. Treasury bonds are among the lowest-risk inve
stments.
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