Dzidza Pamusoro Pokuti Sei Kukosha Kwekugadzirisa Zvinhu
Maererano nePros Guide kuDhiversification kubva kuFidelity Investments: "Kuratidzira inhamba kubva ku100% kusvika ku100% iyo inoshandiswa kuburikidza nekudzoka kwenhoroondo.
Kuwirirana kwe50% pakati pematanda maviri, somuenzaniso, zvinoreva kuti munguva yakapfuura apo kudzoka pane imwe nhumbi kwaikwira, zvino anenge 50% yenguva iyo kudzoka pane imwe sendima kwaikwira, zvakare. Chibvumirano che -70% chinokuudza kuti zvakaitika kare 70% yenguva iyo vaifamba nenzira dzakasiyana-imwe chikwata chakanga chichikwira uye chimwe chacho chakanga chichidzika pasi. "Kuwirirana kwe 0 kunoreva kuti kudzoka kwezvinhu hazvina kukwana zvachose. Zvinhu zviviri zvinotarisirwa kuti hazvina kuwirirana, kushamba kwekutengeswa kweimwe yefa hakugoni kuitika pamutengo wekutengeswa kweimwe nzvimbo.
Pasi pinozivikanwa semazuva ano masayendisiti epfungwa , unogona kuderedza dambudziko rose muhomwe yekutsvaga kwekutsvaga kwekutsvaga uye kunyange kukurudzira kudzoka kwako kwose kuburikidza nekutsvaga mune zvigadzirwa zvematongerwo enyika zvisina kuwirirana. Zvinoreva kuti havadi kufamba nenzira imwe chete panguva imwe chete. Kana pane kuwirirana kwe zero kana kusakanganiswa kana kusagadzirisana, imwe yefa ichakwira apo imwe iri pasi, uye pamwe chete.
Tenga kutenga imwe yezvinhu zviviri, iwe unoita zvakanaka mune imwe yemusika, pasina kukwira kwepamusoro uye kuputika kwakadzika kwemhando imwe chete yemafuta. Iko kukwirira kwako kungasave kwakakwirira semuvakidzani wako, asiwo iwe haungasviki.
Correlation Inogona Kuchinja
Kuwirirana nekusawirirana kwemazano kunonzwisisa, asi zvaive nyore kuratidza apo masimba aive asinganyanyi kuwirirana zvakanaka.
Mazuva ano, misika haisi yezvinofanotaurwa, kwete sechisimba uye iri kuchinja nzira yavanofamba nayo. Kutaura zvazviri, nyanzvi dzakawanda dzezvemari dzinobvumirana kuti kuwirirana kunoita kunge kwakanyatsochinja matambudziko emari mushure megore ra2008. Kuwirirana kumatoro ezvose kunze kweMari yeUnited States yakawedzera zvakanyanya muna 2008-2009, maererano neFidelity, uye Pfuma yakave yakanyatsobatanidzwa panguva yaimbova vakanga vasina kunaka. Nzvimbo dzepasi rose zvisungo uye zvisungo zvinoshandiswa kutamira kune zvakasiyana nedzimwe soro dzeAmerica uye zvisungo, asi mazuva ano rimwe mushamba wepasi rose rinogona kukurumidza kuchinja mumwe. Kazhinji makambani ari pasi pose uye haasi kure kune imwe nyika kana nzvimbo. Correlation kumakosheni emarudzi ose akakwira kusvika ku90%. Kusvibiswa zvisungo, zvakare, zvakatamira ku 90% kuwirirana kubvira panguva iyoyo. Dhizinesi-makambani emakambani ari kungotanga kubuda, uye kunyange maruva anobuda mumatengesi, aimbova asina kuwirirana nekambani-kambani kana mashizha emisika emisika. Asi zvinoita seinovimba nemusika. Zvimwe zvikwata zvemafaji, zvakadai sehedge mari uye kuenzanisa kwega, zvakanyanya zvisina kuwirirana asi zvinowanikwa chete kuvarimi vanobvumirwa zvakanyanya.
Nzira Yokuwana Nayo Yisina Kubatanidzwa Nhaka
Diversification ndiyo nzira yekuwana kusagadzirisana, yakasiyana.
Ichokwadi chisina kuwirirana hachiwanzovi mazuva ano, uye kune vadzidzisi vezvemari vanoshanda nguva yakazara mukuedza kuwana zvakanakisisa zvakashata zvisingabatanidzi chikwereti chinokwanisika. Kune vazhinji vedu, takabata kusanganiswa kwematokisi, zvisungo uye, zvichida mamwe mari uye zvivako zvekugara kwenguva yakareba zvichaita mano. Zvinhu izvi zvose zvinowanzoita mune zvishoma-kupfuura-correlated-way, uye pamwe chete zvinogona kubatsira kuderedza kusagadzikana kwese kworuzhinji. Ndarama, zvakare, inozivikanwa kuti haina kushamwaridzana nematokisi. (Zvinonzwisisika kana iwe uchifunga nezvevanhu vanomhanyira kuchengetedzwa kwegoridhe kana pane kusagadzikana mumusika.)
Dhiversification Inofunga Here?
Pasinei nemari yekuita mari yakava yakanyanyogadziriswa, dzakasiyana-siyana zvinogona kuderedza dambudziko uye kuwedzera kudzoka kwepodfolio yako. Nhaka dzinoramba dzichiita kuita zvakasiyana uye zvinobudirira zvechimwe chichiri kukanganisa kurasikirwa pane imwe.
Saka tsvaka kusanganiswa kwemari inofanirwa nekutsungirira kwako kune njodzi uye zvinangwa zvekutsvaga kwenguva refu. Iwe uchava muchengeti wepodfolio.
Kwokutsvakurudza Asset Correlation
Zvishandiso zvakasiyana-siyana zvakasiyana-siyana zviripo kuti zvikubatsire kutsvakurudza mararamiro ekugadzirisa mashizha kuburikidza uchishandisa mazita eEFs uye mazita ekugadzirisa zvikwereti. Ichi chinyorwa chinobva kuPortfolio Visualizer chinoratidza matrix ekubatanidza pamasikirwo emassetsi edzimba uye masikisikiti. Kakawanda, zvishoma kana zvakanyanya zvisina kukanganiswa zvidzidzo zvemamwe masangano zviri kune mumwe nemumwe, iyo inowedzera ruzivo rwekuwana zvikwereti zvepasimusi mune chikwereti chekutsvaga mari.
Zvinyorwa zviri panzvimbo ino zvinopa ruzivo uye zvinokurukurwa chete. Izvo hazvifananidzi kuva ruzivo rwezvemari uye haufaniri kuva chikonzero chega chekuti iwe uite zvikwereti kana kusarudza mutero. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.
Yakarongwa naScott Spann