Asset Allocation Strategies for New Investors

by Joshua Kennon

Mienzaniso Yechokwadi Yenyika yeApriest Allocation Models uye Mazano

Vashandi vakawanda vanosarudza kutora mararamiro emari ekutarisira mari yavo, kuparadzanisa mari yavo pakati pezvitoro , zvisungo , zvivako , mari, goridhe, uye mune dzimwe nguva, mabhizimusi ega. Vamwe vatengi vanozvitora zvakare uye vanozviisa muzvibvumirano, kodzero dzorwiyo, uye imwe pfuma yekuziva. Makore akawanda akapfuura, ndakanyora mutsara weasset allocation model portfolio guides yevadzidzi vebhuku rangu rega. Ndakazvibatanidza pano kuti kuwedzere zvakanyorwa zvinyorwa zvandaita pane zvinyorwa kukubatsira kuti uzviwane zvose mune imwe nzvimbo nyore-kureva nzvimbo.

01 Kuwana Mukana Wokugoverwa Asset That Work for You

Murairi wega wega ane zvido zvakasiyana. Izvozvo zvinoreva kuti hakuna imwechete yeasset allocation model iyo inoshanda kune munhu wose. Zvichienderana nechikamu chehupenyu hwako maunozviwana iwe, kunyange iwe pfuma yako pachako inoshanduka, kubva pakuwedzera kwekutarisa paunenge uchiri muduku kuti uwane huwandu hwekuwana mari paunenge wakwegura. Heano zvimwe zvinhu zvokufunga nezvazvo kana zvasvika pakusarudza kuti ndiani angashanda kwauri.

02 Kutangisa kuAsset Allocation

Izvi zvinongoratidzwa mazairo ekugoverwa, mazai easset, uye kuti vanoshanda sei zvakagadzirirwa munhu anotanga mutsva anoda kuda kufamba nemugariro. Iko inofanira kukupa nheyo yakanaka usati watanga kuongorora mune zvikamu zvepamusoro zvekuranga.

03 Kukura Asset Allocation Model Portfolio

Kune vechidiki vakawanda uye pakati pepakati pevanhu vepakati, chinangwa chepodfolio yako chichava kukura. Munenge mamiriro ezvinhu ose, izvi zvichava kuvakira dendere rakasununguka mazai panguva yawakagadzirira kupedza basa kana kuisa vana vako nevazukuru kuburikidza nekoroji. Heino muenzaniso wekuti kukura kweasset allocation model yepodfolio kunogona kutaridzika sei.

04 Capital Preservation Asset Allocation Model Portfolio

Pane zvikonzero zvizhinji zvaungave uchifarira zvikuru mukudzivirira izvo zvaunazvo zvinowana kudzoka kwakanaka pairi. Dzimwe nguva, ndechokuti wakaisa pamari mari yekubhadhara pasi paimba. Dzimwe nguva, ndechokuti iwe une zvakakwana kuti ugare kunze kweupenyu hwako hwose tarisiro uye unongoda kukwanisa kubhadhara zvikwereti zvako. Kana chinangwa chacho kuchengetedza guta rako kupfuura mamwe ose anofungidzirwa, pane zvishoma zvidzidzo zvemafigiro zvaunofanira kufungidzira zvepodfolio yako.

05 Kuenzanisa Asset Allocation Model Portfolio

Chinangwa chekuenzaniswa kwezvinhu zvakasiyana-siyana muenzaniso ndekupa kusanganiswa kwakanaka kwekukura kubva mumatokari, mari inobhadhara kubva kuzvisungo, uye mune dzimwe nguva, dzimba dzekumba dzimba kubva kune dzimba.

06 Real Estate Asset Allocation Portfolio Model

Imba inenge iri pakati pekare, yakasimbiswa, uye yakawanda yekudyara. Kuenzanisira kunze kwekodzero yekutengesa pfuma yefa inogona kunge iri dambudziko asi ndiyo imwe chete yaunokwanisa kusangana nekubatsira kubva munyaya ino ichiratidza dzimwe nzira dzakasiyana dzekuti iwe unogona kuwana kuwanikwa kwekaiti yepasimusi mune chikwereti chako.

07 International Asset Allocation

Zvinopfuura hafu yezvikwata zvenyika, zvisungo, uye mazuro edzimba zviripo kunze kweUnited States. Hazvina musoro kuti iwe uwane mari yako yose pano, muzvinhu zvakadhindwa mumadhora, kana iwe uine chikwereti chakakosha kusvika $ 100 000 kana kupfuura. Mune zvimwe zviitiko, izvi zvinogona kuitwa zviri nyore nekutsvaga mumakambani akadai seCoca-Cola, iyo inowanikwa yakawanda yekubatsira kwayo kune dzimwe nyika. Mune zvimwe zviitiko, zvinogona kutenga kutenga dzimwe nyika kana ADRs kuitira kuti iwe uunganidze zvikamu muPound sterling, Euros, Yen, uye Swiss Francs, kutumidza zvishomanana.

08 Kutengesa Asset Allocation Model Portfolio

Kana kuwedzera kwezvinhu kuchikwira musoro wayo wakaipa, uchiita semutero wekutengesa nekudzura simba rako rekutenga kwenguva, kune mamwe mafa ezvigadziro zvinyorwa zvingashandiswa kuti uchengetedze pfuma yake kuparadzwa.

09 Kutarisa Asset Allocation Model Portfolio

Munzvimbo dzakasununguka, sezvo dollar inowedzera kukosha uye iyo inotengeswa nehupfumi, vatengesi vanogona kuurayiwa. Imwe nzira yekudzivirira pamusoro peizvi ndeyokubata mapoka ezvimwe zvinhu zvinogona kupa chikwata kana nguva dzichioma. Izvi zvinoshandiswa pakusarudzwa kwezvinhu zvakasiyana-siyana.

10 Kushanda neA Passive Asset Kugadziriswa Mazano

Pane hurukuro yakakura pakati pevatengesi pamusoro pekuti nzira yakakodzera yekutsvaga mari ndeyokushanda nemari yako nekusarudza munhu mumwe nomumwe, kana kuti iwe haufaniri kuramba uchigara pamari yako nokutenga uye kuchengeta zvinhu kwenguva yakareba. Kuparara uku kunotsanangura kupatsanurana pakati pemitemo miviri pamwe nemafungiro ari nani.

11 Passive Income Asset Allocation Model Portfolio

Kuti uone kuti mari inoshandiswa mari inoshandiswa kugoverwa mufananidzo weiyo inofanirwa kutarisa munyika chaiye, verenga nyaya ino, iyo inopa kuputsa kwemazana emasikisi ehurumende uye zvikamu zvingave zvakakodzera kune mumwe munhu anoda kurarama pane zvikamu, chikwereti, nemari guta rake guru.

12 Tactical Asset Allocation uye Portfolio yako

Tactical asset allocation ndiyo inyanzvi yepamusoro yevatori vemabhizimisi vane utsinye vanoda kutsvaga mapoka emakambani asina kukodzera. Semuenzaniso, panguva yekutengesa kwemusika, munhu anenge achiita chirango ichi anga ari kuwedzera mari kune zvaanenge achichengetedza, asi panguva yekugara kwemahombekombe, iye aizodurura mari mukutora mari yekuwana mari. Nenzira imwe neimwe, tactical asset kugoverwa yakafanana nekukosha kwekutsvaga mari, chete pamakero macroeconomic.

13 Asset Allocation for Small Business Owners

Paunenge uine bhizinesi duku, zvinokonzera ndezvokuti munguva yakareba, zvichauya kuzomiririra zvakawandisa chikamu chikuru chekushandisa kwako. Izvi zvinoreva kugoverwa kwemari yako pane chikamu chinosara chekutsvaga kwekufambisa mari yako inoda kuchinja kana kuti iwe unogona kuva nemari yako yakawanda inotarisirwa kuiswa kune zvikwereti.

14 Market Market Capitalization Asset Allocation Model Portfolio

Uhu hudzidzo hwemudzidzisi hunojeka kuti mazana emakakatani emakemikari akawanda - michochesi, zviduku zviduku, midhivha miviri, mahombekiti makuru, nemapapu e mega - anoita zvakasiyana zvakapfuura nguva, ane mapurogiramu akasiyana-siyana. Kunyangwe iri bhizimusi rakakura riri muNew York City kana kuti chiduku chakasimba muA Arkansas, kuve nechokwadi kuti iwe unotarisana nekubatanidzwa kwakanaka kwebhizimisi kuburikidza nekugoverwa kwezvinhu zvakakosha kunogona kukubatsira kuti uzadzise zvinangwa zvako zvemari.

15 Dzakakosha Zvivako Asset Allocation Model Portfolio

Kune nzira shanu huru dzekuti iwe unogona kuwana kudikanwa kwezvinhu zvinokosha zvesimbi yeasset class kana iwe uchida kuva nezvinhu zvakadai segoridhe kana sirivha mubasa rako rekutsvaga mari.

16 Exotic Asset Allocation Model

Kune rimwe diki revashambadziri, kune marudzi akasiyana eongorori emasikirini emasikirwo anogona kukwanisa kugoverwa kwefa rekugoverwa kwekufambiswa kwemahofisi, kunosanganisira zvinhu zvakadai semugove wega wega uye kutarisira nguva yemberi. Izvi zvinogona kuve pangozi yakakura asi dzinopa hukuru huripo mubayiro mukudzoka.

17 Talmud Asset Allocation Model

Imwe yekare yakawanda yekugovera mienzaniso yakarembwa munhoroondo yevanhu iri muJuda Talmud. Zvinonakidza, zviri nyore kwazvo, uye zvakananga, kuti zvingadai zvakabatsira chero munhu upi zvake wezvikwata kuita mari shoma pamazana emakore akapfuura pasinei nemamiriro ezvinhu emakambani akapiwa iye ane nguva yakareba yakakwana.

18 Mhedzisiro yePensheni inobatsira sei Zvisarudzo Zvokugovana Zvako

Kana iwe uri mumwe wevanhu vanoramba vachiderera vakadzingwa vanofarira penhesi, mari yako yekugovera inoda ichave yakasiyana zvikuru neshamwari dzako dzisiri dzepfudzi nemhuri. Muchidimbu, pensheni yako inomirira mararamiro akachengetwa, kana kusungwa-kufanana, kushandiswa. Inofanira kuiswa mukutarisisa paunosarudza mari yakawanda yawakaparadzanisa pakati pebhizimisi rega rega, mashizha, zvibvumirano, pfuma, yegoridhe, sirivha, uye chidziro chepfungwa. Kana zvisina kudaro, iwe unogona kuisa mari yako yakawandisa muzvinhu zvakaderera-kudzoka kuitira kuti ugadzikane usingatsvaki.

19 Kushandisa ETFs Kuita Asset Allocation Zvishoma

Nekukwira kwakanaka kwekutsinhanisa-mari inoshandiswa, iyo inozivikanwa seye ETFs, hazvina kumbova nyore nyore kusiyanisa mararamiro ako kugoverana nemhando yemari, maranho emari, mari yechikwereti, kana chero ipi zvayo yaunofunga kuti inokosha kudiwa kwako kwekutsvaga mari.

20 Kuverengazve Kubhadharira Kwako Matengo

Imwe miitiro yakakurumbira pakati pevatungamiri vekutsvaga masayenzi nehupfumi vauri mazano kunonzi rebalancing. Chinangwa chokugadzirisa zvekare ndechekusava nemari yako yakawanda iri kushanda mune imwe boka refaji, zvakadai semashamba kana zvivako. Nenzira iyo, apo kukanganisa mumusika kunouya, izvo zvavasingatomboiti, hauna kukuvadzwa zvikuru. Heano mienzaniso yekuti, uye sei, kubatanidzazve kungaitwa.

21 Ndezvipi Makirasi Ekutengeswa Unofanira Kufungisisa Nezvokufambisa Kwako?

Claire Fraser / Imagezoo / Getty Image

Iwe haugoni kutanga kufunga pamusoro pehupi hwehupfumi hwemari kusvikira iwe uchiziva kuti zvikwereti zvipi zvakakosha iwe zvichienderana nezera rako, nguva, nguva dzemari, ruzivo, unhu, zvido, zvinangwa, zvinangwa, uye kushungurudzika kwematambudziko. Iyi mhedziso yepamusoro-soro inobatsira kukubvisa mukati memvura yekunzwisisa kwaunogona kutanga kutarisa apo iwe wakagadzirira kutora mabhizimisi emari yemhuri yako.

22 Asset Positioning Asset Allocation Strategy

Kubata chaiyo zvimwechetezvo munzvimbo dzakasiyana mukati mehutoriki yako kunogona kukonzera kukwirira kwakanyanya kana kuderera kwepamusoro nekuda kwemitemo yakawanda yemitero. Nokudzidza kugovera zvinhu zvako zvine njere pakati pezvinyorwa zvakasiyana-siyana, mahofisi emitero, zvirongwa zvekurega mari, uye kubata nzira, unogona kuwedzera imwe pfungwa kana mbiri pakuwandisa kwako, zvichiita kuti upfumi hwakawanda huwedzere hupenyu hwekutsvaga.

23 3 Zvinhu Zvokufungisisa Kana Kuenzanisa Chikoro Chedu Chekushandisa Chiratidziro

Kune zvishanu zvidzidzo zvakakura zvemaassetti zvinopa nheyo dzenharaunda yezvese zvakagadzirirwa zvirongwa. Kunzwisisa kuti zvidzidzo zvipi zvishanu izvi, uye kuti zvakasiyana sei zvega, zvinogona kukubatsira kuti uchengetedze nzvimbo yako yepasitorendi nenzira inokubvumira kurara usiku.