Kuti Tactical Asset Allocation (Mabasa) Ne Index Index
ITAA inotengesa mafashoni yakasiyana nekuongorora kwekodzero uye kuongorora kwakanyanya pakuti inonyanya kukoshesa kugoverwa kwemari uye yechipiri pakusarudzwa kwekutsvaga.
Heuno maitiro ekugadzirisa kushandiswa kwezvinhu zvakashandiswa.
Chikonzero nei Tactical Asset Allocation Ndiyo Inokosha Kupfuura Kuda Kwemari
Vashandi nevarayiri vezvemari vanosarudza kuisa mari vachishandisa maitiro ekugoverwa kwemari vari kutarisa "mufananidzo mukuru." Vangangodaro vanobhadhara ku Modern Portfolio Theory , iyo inonyanya kutaura kuti kugoverwa kwemari kunobatsira zvikuru pamabasa ekudzoka kwepodfolio uye kumusika wekutengesa kupfuura kusarudzwa kwemunhu mumwe nomumwe.
Iwe haufaniri kuva nhamba yematongerwoti kuti unzwisise nheyo yekutanga kune tactical asset allocation. Fungidzira mudyari wekutanga uyo akaita basa rakanaka rokutsvakurudza nekuongorora. Zvichida vane purofisiti yematokari makumi maviri akagara achienzaniswa kana kunze-akaita S & P 500 index index kwemakore matatu akatevedzana. Izvi zvingava zvakanaka, zvakarurama?
Kuti upindure mubvunzo uyu, chimbofunga nyaya iyi: Mumakore matatu emakore kubvira pakutanga kwa1997 kusvika pakupera kwa1999, varimi vakawanda vakaona zviri nyore kuita kunze kweS & P 500.
Zvisinei, panguva yemakore gumi kubva munaJanuary 2000 kusvika munaDecember 2009, kunyange iyo yakanyatsogadziriswa yematokari ingadai yakave yakadzoka kusvika 0.0000% uye ingadai isina kubviswa pamwe chete nekusanganiswa kwakanyanya kwematokisi, zvisungo, uye mari.
Pfungwa yacho ndeyokuti kugoverwa kwezvinhu zvakakosha ndiko kunonyanya kukonzera kushanda kwepodfolio, kunyanya kwenguva refu.
Nokudaro, mutengi anogona kunge ari murombo pakusarudzwa kwekutsvaga asi asi akanaka paanenge aripo uye achiita basa guru, achienzaniswa nevashambadzi vezvemagetsi uye vanokosha avo vanogona kunge vakanaka pakusarudzwa kwekutsvaga kwekutsvaga asi vane nguva yakashata yekugoverwa kwemari.
Nzira Yokushandisa Sei Tactical Asset Allocation Strategy
Muridzi wekushandisa kushandisa maitiro ekugoverwa kwezvinhu, somuenzaniso, angasvika pakusanganiswa kwakanaka kwezvinhu zvinokodzera kuvhiringidzika kwengozi uye zvinangwa zvekutsvaga. Kana uyu mutengesi achisarudza purojekiti yakatarwa, inogona kutarisirwa pa 65% matanda, 30% zvisungo uye 5% mari.
Chikamu chekutsvaga kwekuita mari inoita kuti chive chikonzero ndechekuti kugoverwa kuchashandura zvichienderana nezvakaitika (kana zvinotarisirwa) pamusika nemamiriro ehupfumi. Zvichienderana nemamiriro ezvinhu aya, uye zvinangwa zvomutengesi, kugoverwa kune imwe nzvimbo yepamusoro (kana kupfuura imwe yenyika) kunogona kunge isina kusimba-inorema, inorema uye inorema.
Somuenzaniso, funga nezve 65/30/5 mugove wakapiwa pamusoro apa. Izvi zvinogona kufungidzirwa kuti inotora chikwereti chinowanikwa; zvose zvezvinhu "hazvina zvematongerwe enyika." Iye zvino fungidzira kuti mutengesi uye hupfumi huri kuchinja uye huwandu hwematokari hunove hwakareba uye mutengesi wemombe unoratidzika uri mumatanho ekukura.
Murengeti iye zvino anofunga kuti zvikwata zvinodarika-mutengo uye nzvimbo isina kunaka iri pedyo. Mutevedzeri angabva asarudza kutanga kutora matanho kubva pamusika wekutengesa uye kutarisa mamwe mazamu akasiyana-siyana, zvakadai se50% matanda, 40% zvisungo uye 10% mari.
Muchiitiko ichi, mutengi ane zviduku zvinorema zvakasungwa uye zvisungo zvakanyanya-zvakakosha uye mari. Izvi kuderedza panjodzi zvinogona kupfuurira mune matanho sezvazvinenge zvichiita mushamba mutsva webhebhe uye kutengesa kwenyika kuri kuswedera pedyo. Mutevedzeri angaedza kuve akazara zvachose muzvisungo uye mari panguva inotakura mitengo yemisika inooneka. Panguva ino, tactical asset allocator ichatora zvishoma nezvishoma kuwedzera munzvimbo dzavo dzekugadzirira kuti ive yakagadzirira kune imwe yeruzhinji yemari.
Zvakakosha kuziva kuti tactical asset kugovana yakasiyana kubva pamatengesi ekutengeserana nokuti nzira yacho inononoka, nemaune uye inoshandiswa, asi nguva inowanzowanzobatanidza dzimwe nguva dzekutengeserana.
Tactical asset allocation ndeyekuita mari inoshingaira iyo inenge iine mari yekutsvaga uye inotenga uye inobata unhu nokuti mutyairi haasi kurega kurasa marudzi emari kana kuisa mari asi asi kuchinja zviyero kana zvikamu.
Kushandisa Index Funds, Sector Sector uye ETFs yeTactical Asset Allocation
Indekisi yemari uye Exchange Traded Funds (ETFs) maitiro akanaka ekutsvaga maitiro eatactical asset allocator nokuti, zvakare, chinonyanya kukoshesa pane zvidzidzo zvemari, kwete mari yekuzviisa ivo pachavo. Uyu ndiwo mhando yemufananidzo mukuru, musango-musati-wemiti-miti nzira, kana iwe uchida. Semuenzaniso, mutengesi wezvemari unogona kungosarudza kushandiswa kwemari yemari, bhizinesi yemari yemari nemari yemari yemari, kunze kwekuvaka chikwereti chekuchengetedzwa kwemunhu. Izvo zvikwereti zvemari uye zvikamu zvezvikwata zvinogonawo kunge zviri nyore nemapoka, zvakadai sehomwe huru-soro, zvisiri zvekunze, zviduku-zvidhi, uye nemari yemari uye ETFs .
Kana makasarudzwa akasarudzwa, tactical asset allocator inogona kusarudza masangano ayo aanofunga kuti achaita zvakanaka munguva yemberi iri mberi uye pakati penguva. Semuenzaniso, kana mutengi ari kunzwa Real Estate, Utano neZvashandi zvingave nekudzoka kwakanaka kunoenzaniswa nedzimwe nzvimbo pamwedzi inoverengeka kana makore mashomanana, vanogona kutenga ETF mukati memasangano avo.
Muenzaniso Mugove Wekugoverwa neIn Index Funds uye ETFs
Inyanzvi yeasset allocator inowanzoshandisa mari yekuenzanisira uye ETFs kuvaka chikwata chemhosva nokuti mutengesi anoda kutarisira boka reasset uye kudzora izvo zvisiri izvo zvinochengetedza uye kudzivisa zvingaita zvekunyorwa kwemavara uye kuwedzerwa kwezviyo zvinogona kuguma nekushandiswa kwemari yakachengetedzwa . Muchidimbu, mubhadhari arikusika avo pachavo alpha.
Heano muenzaniso wepodfolio yako uchishandisa index index uye ETFs:
65% Nhamba:
25% S & P 500 Index
15% Foreign Stock (MSCI) Index
10% Russell 2000 Index
5% Real Real Sector ETF
5% Utano Itaf
5% Zvishandiso Muchamhembe ETF
30% Bonds:
10% Yenguva pfupi pfupi Bhuku Index
10% Imari yePfuma Inodzivirirwa (MAZANO) Bhuku Index
10% Mukati-bhiri-bond Index
5% Cash:
5% Mari yemari yemari
Izvo zvataurwa pamusoro apa zvinoratidza muenzaniso wekugoverwa kwekuda mari. Kuchinja masero, tactical asset allocator inogona kuwedzera kana kuderedza kugoverwa kwezvikamu kune dzimwe nzvimbo kuratidzira tarisiro yevatengesi yepamusika wenguva pfupi nemamiriro emari. Murengeti anogonawo kusarudza kushandura dzimwe nzvimbo, dzakadai seNyanzvi (Zvisikwa Zvimwewo) uye Zvizivo zvinokosha.
Nzvimbo iyi haibhadhara mutero, utsvaga, kana mari yemari uye mazano. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kubvumira kusangana nematambudziko kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru.