1. Stable portfolio management method
- Core principlesThe goal is to minimize risks and pursue steady profits.
- Portfolio configuration:
- Stocks (less than 30%): Select dividend stocks, large -scale superior states. Example: Samsung Electronics, Apple.
- Bonds (50% or more): Invest in stable financial products such as government bonds and corporate bonds.
- Cash and cash assets (20%)A: Bank deposits and money market funds (MMF) have high liquidity assets.
- Real estate or ETF (option): Real estate indirect investment (Reits) or stable index -type ETFs can also be considered.
- merit:
- There is little impact on market volatility.
- You can expect steady profits in the long run.
- disadvantage:
- It is difficult to expect high returns.
- Inflation can limit actual assets.
2. Aggressive investment
- Core principles: Take high risks for high profits.
- Portfolio configuration:
- Stocks (more than 70%): Small and medium -sized stocks with high growth potential, initiatives for each sector (e.g. IT, biotechnology), overseas stocks, etc.
- Cryptocurrency (option): Digital assets with high volatility such as Bitcoin and Ethereum.
- Venture Capital/Startup Investment (Options): Invest in early stage companies to make high profits.
- Derivatives (options): Trades using leverage such as gifts and options to pursue big profits in the short term.
- merit:
- There is a possibility of making a big profit in a short time.
- You can directly participate in innovative technologies and trends.
- disadvantage:
- Very sensitive to market volatility.
- There is a high risk of loss, and it is likely to lose the principal.
3. Find the consensus of the two approaches
Balanced portfolio strategy
- 60:40 Regulations:
- 60%are distributed to stable assets (bonds, large stocks, cash assets).
- 40%distribute to aggressive assets (small and medium -sized stocks, overseas stocks, cryptocurrencies, etc.).
- Law of Asset Distribution by Age:
- Set the proportion of bonds as much as your age and distribute the rest to aggressive assets such as stocks. Example: 30%is 30%bonds, 70%are stocks.
- Set goal setting and rebalancing:
- Short -term goals (eg 1 to 3 years) focus on stable assets.
- The mid- to long -term goal (e.g. 5-10 years) puts more emphasis on aggressive assets, but regularly rebalances.
- Secure emergency funds:
- We always have more than 6 months of living as cash assets to prepare for emergency situations.
4. Conclusion: Find your own balance!
Stable asset management reduces the "sleeping night", and aggressive investments offer an opportunity to "make dreams reality". The important thing is its ownRisk to the level of risk, Investment goal, Time horizonIt is to combine the two strategies in harmony.
- Novice investor: We recommend strategies to increase the proportion of assets and to increase aggressive investments gradually.
- Experienced investor: Depending on the market situation, the portfolio is flexibly adjusted, pursued high profits, but proceeds in the direction of minimizing losses.
Investment is like a marathon. Short -range sprints are also important, but in the end, sustainable speed and strategy are the key to success. 🏃♂️💼