Billionaire fund maneja Ray Dalio ave kwenguva yakareba achipokana nezvekudyara kwekriptocurity, asi akanyora mune LinkedIn post gore rapfuura kuti cryptocurrency investing yakanga yabva ku "pfungwa yekufungidzira zvakanyanya" kuenda kukirasi yeasset. izvo zvingangodaro zvine "imwe kukosha mune ramangwana. ." Saka panguva iyo maitiro ake ekuzvidzivirira ane mukurumbira kupfuura nakare kose, takafunga kuti tichaedza kuyedza. Kuona maitiro avo ane mukurumbira akawanda emhando yepamusoro aizoita neiyo cryptocurrency investimendi mumusanganiswa.
Chii chiri muchikwama chaDalio?🔍
Mazhinji mapotifoliyo emhando yepamusoro ane yakakura mari yekugovera kumasheya uye zvishoma kune mamwe maasset makirasi ane logic yekuti masheya anokura zvakanyanya nekufamba kwenguva kupfuura mamwe. Asi iyo multipurpose portfolio yakasiyana: ine zvakawanda kuratidzwa mabhonasi kupfuura kuzvitoro, uye zvimwe zvacho ndarama nezvimwe zvinhu mbishi. Iyi inzvimbo yakaderera yengozi, yakavakirwa kuchengetedza hupfumi hwenguva refu mune chero mamiriro ehupfumi.
| Asset class | Yakanyanya kukodzera mamiriro ehupfumi | Inokodzera ETF | Invested percentage |
| Zviito zvepasi rose | Kukura kwehupfumi kwakasimba uye kuderera kana kugadzikana kweinflation. | Vanguard Total World Stock (VT). | 30% |
| Diversified raw materials | High inflation uye kuderera kwehupfumi. | Invesco DB Commodity Index Tracking Fund (DBC). | 7.5% |
| Ndarama | High inflation uye kukura kwakasimba kwehupfumi (stagflation). | SPDR Gold Shares (GLD). | 7.5% |
| Zvisungo zvenguva refu | Low inflation uye kukura zvishoma nezvishoma. Vanokura kupfuura mabhondi epakati-kati kana mibairo inodonha. | Vanguard Long-Term Treasury Index Fund (VGLT). | 40% |
| Zvisungo zvepakati | Low inflation uye kukura zvishoma nezvishoma. Vanokura zvishoma kudarika mabhondi enguva refu apo mibairo inowira. | Vanguard Intermediate-Term Treasury Fund Index (VGIT). | 15% |
The multipurpose portfolio yakagadzirirwa kutidzivirira kubva pakuderera kwemusika mukuru uye "black swans." Asi kudzoka kwavo kazhinji hakusi kuzokwira mudenga mukufamba kwenguva. Yakagadzikana uye inowirirana, asi pamwe inodzivirira zvakanyanya kune avo vari kutsvaga kukura mari yavo mumakore gumi, makumi maviri kana makumi matatu anotevera. Apa ndipo panowanikwa kuisa mari mumakriptocurrencies, akadai seBitcoin, pachiitiko ichi, chinoita senge ruzhowa kurwisa kuderedzwa kwemari. Mushure mezvose, mari yavo inopera uye inowedzera kukwira apo mabhanga makuru anowedzera mari nekutenga mabhondi ehurumende. Izvi handizvo zviri kuitika iye zvino muUnited States, United Kingdom neEurope, uko mabhanga makuru akaomesa mitemo yezvemari, achikwidza mhindu mukuedza kumisa kukwira kwemitengo. Asi hazvireve kuti hazvizoitike zvakare: Kana hupfumi hwanyura kupfuura zvaitarisirwa uye huchikwevera inflation pasi nayo, iwo mabhanga epakati anogona kumanikidzwa kuchinja magiya zvakare. Uye kuisa mari mumakristptocurrencies seBitcoin ingave chinhu chakakosha kuva nacho mune iyo mamiriro.
Chii chingaita kuti cryptocurrency investimendi yakave nayo pane multipurpose portfolio?💪🏽
Tichifunga nezvehupenyu hupfupi hweBitcoin, hapana nhoroondo yakawanda yekuvimba nayo kuti inyatso ratidza mhedzisiro. Asi kuti tive vakanaka sezvinobvira, ngatiite zvimwe fungidziro.
- Isu tinosarudza nguva mbiri, imwe neimwe ichitanga padyo nepasi pemusika webheya. Isu tinosarudza zvakare yenguva refu yenguva uye ipfupi, ichangoburwa nguva yenguva kuti tiwane zviri nani chiyero chekuti mapotfolio angadai akaita sei nekufamba kwenguva. Isu tichasarudza kubva Ndira 1, 2014 kusvika June 30, 2022 uye kubva Ndira 1, 2018 kusvika June 30, 2022.
- Isu takaedza mapotifoliyo maviri ezvakawanda nekudyara mune cryptocurrencies. Isu tichasarudza Bitcoin, kusanganisira iyo muzvikamu zvakasiyana nguva imwe neimwe. Muzviitiko zvese zviri zviviri, isu tinotsiva zvishoma zvemasheya edu ekudyara mari yekristptocurrency, tichisiya zvimwe zvese zvakafanana. Mushure mezvose, kudyara kwekriptocurity kunonyanya ndekwechikamu chekukura kwepamusoro. Tichaisa 2% mu bitcoin (28% mumatokisi epasi rose) mune imwe portfolio uye 5% mu bitcoin (25% muzvitoro zvepasi rose) mune imwe portfolio.
- Isu tinofungidzira kuti mapotfolio akadzokororwa chikamu chega chega kudzokera kuchikamu chavo chepakutanga, vachitengesa mamwe ekudyara kuri kuita zvakanaka uye kushandisa mari iyi kuwedzera mari yakange yasara kumashure. Nekusagadzikana kweiyo cryptocurrency investimendi, izvi zvinotibatsira kuderedza njodzi.
Kuti iwe uzvitarise, izvi zvingave purofiti yekudyara kwemadhora zviuru gumi mune imwe neimwe portfolio panguva ye10.000-2014.
Portfolio statistics mushure mekudyara $10.000 (Chikunguru 1, 2014 kusvika June 30, 2022). Kunobva: Portfolio Visualizer
Zvisingashamisi, kuwedzera mari mu cryptocurrencies senge bitcoin kumusanganiswa kungadai kwakawedzera mapotifolio edu. Asi ichi ndicho chinhu chinonyanya kufadza: sezvo isu tingadai takaenzanisa chikamu chimwe nechimwe, njodzi yepodfolio yedu ingadai isina kukwira zvakanyanya. Kunyangwe ne 5% mari mu cryptocurrency, iyo yakanyanya kudonha (iyo inodonha huru kubva panhongonya kusvika pachimwiro pamusoro penguva) ingadai yakangove 2,8 muzana yezvibodzwa kupfuura dai tisina kubata Bitcoin. Mune mamwe mazwi, ichiri chikamu chekudzivirira. Izvi zvinogona kuuya sechishamiso, tichifunga kuti bitcoin yakave nemadonhwe matatu anopfuura 70% munguva iyoyo. Uye heino chikamu chakanakisa: kukura kwakagadziriswa nenjodzi kungadai kwakakwira nechikamu chikuru chepodfolio mu bitcoin. Isu tinoona mibairo yakafanana pakati paNdira 2018 naChikumi 2022:
Portfolio statistics mushure mekudyara $10.000 (Ndira 1, 2018 kusvika June 30, 2022). Kunobva: Portfolio Viewer
Nhamba dzinotaura pachadzo. Kuwedzera mari shoma mu cryptocurrencies senge bitcoin kune Dalio's portfolio ingadai yakavandudza kudzoka kwake kwengozi. Zvinoreva kuti zvimwe chetezvo zvichaitika mune ramangwana here? Inguva chete ichataura…
Kuenzanisa kwekudzoka kweakasiyana akawanda mapotifolio. Kunobva: Portfolio Visualizer.