Vazhinji vanoisa mari vanopedza nguva yakawanda vachifunga kuti ndezvipi midziyo yekuwedzera kumapotfolio avo vobva vatora nguva shoma vachifunga kuti mari yakawanda sei yavanofanira kupa pachinzvimbo chega chega. Chikanganiso chikuru, uye chinogona kutitungamirira kuti tiite zvisina mwero uye zvisina kufanira mapotfolio ane ngozi. Asi nekutevera aya matanho maviri akareruka, tinogona kudzivirira chikanganiso ichocho uye kuvaka imwe yakasimba uye yakachengeteka portfolio…
Matanho maviri ndeapi?👞
1. Govera midziyo yedu zvichienderana nekusagadzikana kwayo. 💥
Ngatifungei kuti isu tine chido chikuru chemhando mbiri dzekudyara. Kune rumwe rutivi tine mari yekudyara mu cryptocurrencies yakadai se bitcoin (BTC) uye kune imwe mari mumatanda akadai seCoca-Cola (NYSE: KO). Isu tinotsvaga kuona kuti portfolio yedu ine chiyero chakazara. Chisarudzo chakareruka chingave chekuparadzanisa chikwama 50/XNUMX. Dambudziko nderekuti iwo maviri akasiyana makirasi easset, uye izvo hazvizotipi kusanganiswa kwatiri kutsvaga.
Kune rumwe rutivi, mutengo we bitcoin unowedzera kusagadzikana kupfuura yeCoca-Cola shares, iyo ine zvishoma zvishoma. Bitcoin's annualized volatility is 61%, ingangoita mana kupfuura iyo 16% yeCoca-Cola migove. Saka, kana tikaita mari muCoca Cola stock uye kuisa mu bitcoin uye kugovera $ 100 kune mumwe nomumwe wavo, tinogona kutarisira mari yedu bitcoin kufamba (kumusoro kana pasi) ne $ 61 gore rino, uye mari muCoca-Cola migove chete. yaiva 16 madhora.
Isu tinoona kuti musanganiswa pakati pekudyara mumasheya uye cryptocurrencies ungave wakanyanya kurongeka kune edu portfolio. Kunobva: Portfolio Visualizer.
Kuve ne50/50 kugoverwa kunoreva kuti isu tine chivimbo chakawanda nezve bitcoin, nekuti mabhenefiti aanogona kuunza akakura kana achienzaniswa neayo anogona kuburitsa muzvikamu zveCoca Cola. Mune mamwe mazwi, yedu portfolio ichave inotongwa bitcoin, kunyangwe yakambopihwa chikamu chakafanana muzvinhu zvese zviri zviviri. Kuti ubvise kusarura uku, uye kuita kuti mupiro weimwe neimwe yekudyara kwako uwirirane, unofanirwa kugovera zvishoma kune izvo "yakakwirira octane" midziyo uye zvimwe kune "yakaderera octane" iyo. Mumuenzaniso wedu, zvinoreva kuisa mari yakapetwa kana muCoca-Cola pane bitcoin. Ndiko kuti, 17% mu bitcoin uye 83% muCoca-Cola.
2. Govera midziyo yedu zvichienderana nekusiyana kwadzo.🧺
Ngatitii isu tine investimendi mumasheya, kunyanya 9 shares. Tiri kufungawo nezvekuwedzera goridhe kumusanganiswa. Tichifunga kuti kushanduka kwako kwakafanana, zvinogona kuyedza kuyera iyo portfolio zvakaenzana, uchigovera 10% yepodfolio kune imwe neimwe. Asi iyi haingave yakanyanya kunaka, zvichipihwa kuti goridhe richapa mamwe mabhenefiti akawanda kune yedu yazvino portfolio pane imwe stock. Mushure mezvose, yedu portfolio yakatove yakagadzirwa zvachose yekudyara mumasheya, uye izvi zvinowanzo famba nenzira yakafanana.
Kuenzanisa pakati pekusiyana kwakaenzana uye kugoverwa kwe50/50.
Ndarama, kune rumwe rutivi, inofambiswa nezvinhu zvakasiyana. Inobatsira kana kukura kwehupfumi kusina simba uye inflation yakakwira, ukuwo kudyara kwemari kunobatsira kana mamiriro ezvinhu aya achinjwa. Naizvozvo, isu tichakumikidza yakawanda yedu portfolio kugoridhe uye kushoma pakudyara mumasheya. Nenzira iyi, isu tinowedzera mabhenefiti ekusiyana kune iyi musanganiswa, uye inogona kunge iine kudzoka kwakanaka kana masheya edu ekudyara apinda mudambudziko.
Kuenzanisa kwekufamba pakati peSPY negoridhe gore rino. Kunobva: Portfolio Visualizer.
Nzira inobatsira yekuyera mabhenefiti ekusiyana kweasset ndeyekutarisa kuwirirana kwayo nezvimwe zvinhu. Assets inofamba zvakakwana mu tandem ine corelation ye 1, ukuwo maassets anosiyana zvakakwana ne one ane wirirano ye -1. Iyo yakadzikira iko kuwirirana kweasset neiyo yese portfolio, iyo inonyanya kukosha iyo iri semudziyo wekusiyanisa uye kuwedzera huremu hwaunofanira kuipa.
Saka tinoisa sei izvi mukuita mumapotfolio edu? 🧐
Kutanga, ngatifungei kuti tinoziva kuti tinoda kuve nekudyara mumasheya, imwe goridhe, uye imwe bitcoin mune yedu portfolio. Isu tinogona kuona kugoverwa kwedu kwepodfolio zvichienderana nekusagadzikana uye kusiyanisa zvakanakira zvekirasi yega yega yeasset, tichishandisa nzira inonzi "njodzi parity«. Nenzira iyi tinoshandisa chiyero chemubairo wengozi iyo imwe neimwe pfuma inogona kubatsira kune yedu portfolio. Sezvatakakuratidza pane dzimwe nguva, iyo Portfolio Visualizer peji ine zvakawanda zvishandiso zvinobatsira se ndizvo. Zvese zvaunofanirwa kuita kusarudza zvinhu zvaunoda kuwedzera kune yako portfolio, sarudza "ngozi parity" sechinangwa chekugadzirisa, tobva taenzanisa "kugoverwa kune inverse volatility kuremerwa." Pakupedzisira tinodzvanya bhatani rekugadzirisa uye ... Isu tatova nebasa racho zvichienderana nematanho maviri atakatsanangura.
Muenzaniso wepodfolio ine mazinga ayo ekusagadzikana, kuwirirana uye huremu hwechinhu chimwe nechimwe. Kunobva: Portfolio Visualizer
Sezvauri kuona, goridhe rakagamuchira huremu hukuru kupfuura zvimwe zvinhu. Izvi hazvisi chete nekuti iyo pfuma ine yakaderera volatility (14%), asi zvakare nekuti ndiyo yakanyanya kukodzera kusiyanisa, ine kuwirirana kwe zero nezvimwe zvinhu. Nekuva nehuremu hukuru mukati mayo, portfolio yedu yakasimba. Ndosaka zvakare kuisa mari muzvikamu zvekudzivirira seWalmart neColgate-Palmolive vakagamuchira huremu hwepamusoro pane hwakanyanya-kusagadzikana seTesla kana kudyara muzvitoro zvinotenderera seGeneral Motors. Kana zviri zveBitcoin, chikonzero chikuru nei 3% chete ichifanira kupihwa kwairi imhaka yekuti ine kusagadzikana kwakapetwa kana kupfuura avhareji yekudyara mumasheya. Naizvozvo, hazvifanirwe kuve nezvakawanda zvakadaro kuve nemhedzisiro yakakura pane yedu portfolio.
Pane ngozi here pakushandisa matanho aya?😮
Aya uremu anotipa kurudziro, senge zano rekuti imarii yekugovera kune yega yega zvigaro zvedu, tichifunga kuti isu hatina chivimbo chakasimba mune chimwe chinhu pamusoro pezvimwe. Kana izvi zvanga zviri izvo, zvingava zvakanaka kugovera zvishoma, asi pasina kutsauka zvakanyanya kubva pakugoverwa kwepakutanga, sezvo izvi zvichigona kusaenzana nepodfolio yedu. Saka, kana iwe uchivimba bitcoin, semuenzaniso, zviri nani kuti urege kutsaurira zvinopfuura 6% kwairi, kana kaviri kugoverwa kwakarongwa. Kutendiswa kwakakosha asi kunonyanya kubatsira pakuona kuti chii chatinowedzera kune yedu portfolio pane kuona huwandu hwekugovera.