你可能很懂理財,也可能一竅不通。以下的10個理財觀念,對任何人都可適用,掌握這些原則與方法,幫你作出正確的理財抉擇。
1. 看財經局勢,做趨勢計畫
2.不要只為了賺錢而投資
3.用情緒理財是最失敗的策略
趙夫子
2014/02/21
Stock investors looking for ways to "de-risk" their portfolio at the peak of the market make
a big mistake by simply rushing into bonds, according to Barron's. Instead, they should
pursue a multifaceted approach. "It's more about reducing the risks within an asset class,
rather than changing the asset mix," as David Lafferty, market strategist at Natixis Global
Asset Management, told Barron's.
(For more, see also: Is It Time To Lock In Your Stock Gains?)
Among the de-risking suggestions from investment professionals interviewed by
Barron's: increase your diversification across countries and regions; put your U.S. stock
allocation into higher-quality companies; and choose bonds carefully, since "some of the
biggest risks lie in bonds," Barron's warns.
(For more, see also: Stocks Face "Nasty Shock" From Fed-Created Bubble.)
Source: Barron's
Even after posting large gains so far in 2017, European and emerging markets stocks
offer cheaper valuations and better earnings growth prospects than most U.S. equities,
Barron's says. The Oakmark International Investor Fund
(OAKIX) and the Baron Emerging Markets Fund (BEXFX) have good records of success
in finding undervalued companies that offer long-term growth, according to Barron's.
The Oakmark fund has delivered a total return of 36.5% during the past year, placing it in the top 1% of funds in its category, per Morningstar Inc. It also has been in the top 2% in the last three, five and ten-year periods. The Baron fund has a total return of 26.9% during the past year, putting in the top 43% of its category, per Morningstar. It was in the top 4% for the last five-year period.
The Vanguard Total International Stock Index Fund (VGSTX) has delivered a total return
of 24.2% over the past year, placing it in the top 33% of its category, per Morningstar.
This fund is designed to track the MSCI All-Country World Index Excluding U.S., and Morningstar considers its peer group to be foreign large blended funds.
The Jensen Quality Growth Fund (JENRX) has been upgrading an already high quality
in order to reduce risk, Barron's says, adding that portfolio co-manager Eric Schoenstein
cites medical device maker Stryker Corp.
(SYKSYKStryker Corp167.51+0.64%) as an underappreciated growth stock.
Meanwhile, fund manager Thomas Huber of the T. Rowe Price Dividend Growth Fund
(PRDGX) tells Barron's that medical device makers and financial stocks offer relatively
cheap valuations along with good growth prospects.
(For more, see also: Which Stocks May Outperform in the Next Market Crash.)
The Jensen fund's total return of 20.9% over the past year has lagged both the S&P 500
Index (SPX) and 81% of its peers, according to Morningstar. Longer-term, over the past
ten years, it has been in the top 34% of its peer group. The fund from T. Rowe Price,
meanwhile, has delivered a total return of 19.6% over the past year, behind 76% of its
category, but it is in the top 13% for the last ten-year period, per Morningstar.
The Vanguard Dividend Appreciation ETF
(VIGVIGVng Dvdnd Aprct103.93+0.26%) is up 19.4% over the past year and currently
yields 1.8%, per Investopedia data.
In reaching for yield, bond investors have been loading up on high-yield debt with high
credit risk. The problem with that approach, Barron's says, is that high-yield bonds act
more like stocks, and thus do not reduce the risk associated with a stock portfolio.
Meanwhile, many bond funds have increased their exposure to high-yield debt,
according to research by Morningstar cited by Barron's.
The bond funds listed in the table above, by contrast, have "gone light on credit risk,"
per Barron's. Moreover, the MetWest fund has had one of the lowest correlations with
stocks over the past decade, Barron's adds.
編號 | 標題 | 回應 | 讚 | 最後發表 |
7155 | 0 | 0 | ||
富人與窮人的時間觀
窮人為錢工作,富人讓錢為他們工作;
窮人管理金錢,富人卻善於管理時間;
富人時間不夠用,窮人不知如何殺時間。
時間在窮人手上變得一文不值,在富人手裡卻變得價值連城,
因此,窮人將會更窮,而富人也將更富。
為什麼每個人擁有的時間都一樣,但成就卻大不相同呢?你通常是花錢買時間還是賣時間賺錢?有人開車繞了半小時只為了找一個免費車位,有人花錢找人辦事讓自己可以做別的更重要的事。當時間不再只是度量衡而是有行有市可以買賣,你的時間值多少錢,你願意用多少錢買別人的時間,未來會有交易所,請先標好你的定價。
會管理時間就會管理金錢也會管理自己的人生,讓人生更精彩的關鍵就在於同樣的時間內透過規劃、分工可以做更多的事情,讓家庭、事業、婚姻、健康都能兼顧。
千萬不要讓遲到、懶惰,這些小事浪費在您寶貴時間上。
十個理財重要觀念
你可能很懂理財,也可能一竅不通。以下的10個理財觀念,對任何人都可適用,掌握這些原則與方法,幫你作出正確的理財抉擇。
1. 看財經局勢,做趨勢計畫