Sezvo kudyara mumasheya nemabhondi kwakaedzwa nguva pfupi yadarika, iyo yechinyakare 60/40 yekudyara zano (60% masheya, 40% mabhondi) yakagadzirira kuita kwayo kwakaipisisa kwekota mumakumi emakore. Asi isu hatifanirwe kusiya zvachose nzira yekare yekusiyanisa: isu tinongoda kuigadzirisa zvishoma.
Sei iyo stock uye bond investment strategy ichiita zvisina kunaka?🎢
Zvichitaurwa zviri nyore, kuenderera mberi nenyaya dzekutengesa, pamwe nekukwira kwemitengo yezvinhu, zvipuka, yakasimudza kutya kuti isu tave pedyo nenguva itsva ye stagflation, ndiko kuti, kuderera kwehupfumi uye kuwedzera kwepamusoro. Musanganiswa uyu panguva imwe chete unokuvadza stock uye bond investimendi mitengo, ichibvisa purofiti kubva ku60/40 portfolio.
Kuwedzera dambudziko iri, US Federal Reserve, mushure mekutanga kunonoka kupindura kukwira kwepamusoro kwepamusoro mumakore makumi mana, yatanga kukwidza mhindu kusvika pamwero wayo wakanyanya mumakumi emakore. Iyi mibairo yepamusoro iri kuwedzera kudonhedza kudzoka kwekudyara pamasheya nemabhondi.
Iyo stock nema bond investment strategy yakarongerwa kota yakaipa, zvakatoipisisa kupfuura panguva yedambudziko remari repasi rose ra2008. Source: Bloomberg
Pakazara, iyo 60/40 portfolio yadonha 14% kusvika zvino kota ino, maererano neBloomberg. Zvakaipa kudarika kuita kwazvakarekodha mukati-kati medambudziko remari repasi rose kana mukukunda dambudziko rekare-mu-muzana ramakore.
Iwe unogona sei kugadzirisa yako stock uye bond investment strategy?🚑
Nzira iri nyore ndeyekubatanidza dhizaini sefa pane izvo zviviri zvikuru zvikamu zve60/40 portfolio (masheya nemabhondi). Semuenzaniso, isu tinogona kuisa yedu yekudyara mari mune imwe pfuma kana iri mukusimudzira uye kudzivirira (kana kutengesa) kana maitiro akachinja. Isu tinogona kuita izvi tichishandisa yakapusa tekinoroji chiratidzo, semuenzaniso, iyo 12-mwedzi mutengo wekukurumidza, iyo inoyera iyo muzana shanduko mumutengo weasset pamusoro pemwedzi gumi nemiviri yapfuura. Kana iri positive, iri kukwira kumusoro; kana iri negative, iine bearish trend.
Kuenzanisa kwekudzoka kwemaitiro akasiyana ekudyara mari. Kunobva: Schroders
Heano maitiro aya ma mods: Pazuva rekupedzisira rekutengesa remwedzi, tinotanga kuona kana 12-mwedzi mutengo kuchinja kwemusika wemari (uchishandisa imwe index kana ETF) yakanaka. Kana zvakadaro, tinodyara 60% yepodfolio mumasheya. Kana zvisiri, tinodyara iyo 60% mumari, tichiwana iyo yazvino mubereko. Zvadaro, tinoita zvakafanana nemabhondi: tinodyara 40% yepodfolio mumabhondi kana kuchinja kwemutengo wavo wemwedzi gumi nemiviri kwakanaka. Zvikasadaro, isu tichaisa icho chikamu mumari. Isu tinobva tabata zvese kusvika zuva rekupedzisira rekutengesa remwedzi unotevera uye dzokorora maitiro.
5-gore yenguva girafu yeLBUSTRUU:IND. Kunobva Bloomberg
Iyo stock uye bond investment strategy yaizoshanda sei munguva yakapfuura? 🔮
Tichaedza iyi stock uye bond investing strategy mumakore makumi mana nemashanu apfuura tichishandisa data yakatorwa kubva kuBloomberg. Isu tichashandisa iyo S&P 45 yakazara kudzoka kumastock uye iyo yakazara yekudzoka kwe Bloomberg US Aggregate Bond Index yemaBond. Pamari, isu tichashandisa iyo US federal mari inoshanda mwero, chiratidzo chakanaka chekudzoka kunoitwa mumari. Heino mibairo:
Kuita kwekudyara kweiyo classic 60/40 yekudyara zano rinopesana neiyo ine mafambiro efirita.
Yakayerwa mukati memakore makumi mana nemashanu apfuura, shanduro mbiri dze stock uye bond investment strategy yakagadzira zvakangofanana avhareji yeavhareji yegore rekudzoka inosvika gumi%. Asi maitiro avo engozi aive akasiyana zvakanyanya.
Kusagadzikana kwepagore kwemaitiro-yakasefa 60/40 zano yaive 8% panguva imwe cheteyo, yakaderera zvakanyanya pane iyo 9,6% yekirasi 60/40 zano. Mune mamwe mazwi, iyo 60/40 maitiro-yakasefa portfolio yakagadzira yakakwira mari inodzosa pachikamu chenjodzi.
Chimwe chiyero chakakosha chekuongorora njodzi yehurongwa ndeyekudonhedza kwepamusoro (MDD): iyo yakanyanya peak-to-trough kudzikira mukukosha kwepodfolio. Kushandisa dhizaini sefa kwakaderedza MDD ye60/40 portfolio neinopfuura hafu: yakaratidza kudzikira kwepamusoro kwe17% zvichienzaniswa ne37% yeiyo classic vhezheni.
Sei uchiramba uine stock uye bond investment strategy?🤝
Iyo 60/40 inzira yechinyakare yekudyara iyo yakashanda zvakanaka munguva yakapfuura. Asi vatengesi vazhinji vanosiya kunyange nzira dzakanakisisa pavanotanga kusangana nekurasikirwa kukuru pamari yavo uye mabhondi. Ndicho chikonzero nei zvakakosha kudzora njodzi uye kudzivirira kurasikirwa kukuru. Haisi chete inotungamira kune zvirinani zvekutsvaga mari, asi zvakare inoita kuti iwe uwedzere kuomerera nehurongwa.
Zvekare, kubatanidza yakapfava mafambiro muiyo 60/40 portfolio yakadzikisa kusagadzikana kwayo uye kudhirowa kwekudyara uku ichichengeta pundutso. Uye zvinokwanisika kuwana mhedzisiro yakafanana, zvisinei nekuti tinogovanisa sei portfolio yedu mumakirasi akasiyana easset.