[討論] TD看到的消息 不要把雞蛋放在

不要把雞蛋放在同一個籃子裏
當然如果你是股神，那應該沒關係

A flood of new traders joined the market in 2020 thanks to the coronavirus pandemic.

Most of those traders are sitting on big gains at this point thanks to a historic market rally, but much of the easy rebound money may have already been made at this point.

Looking ahead to 2021, now is the time for new investors to start thinking about positioning their portfolio for the long-term. One of the best ways to protect your 2020 gains is by taking advantage of the power of diversification.

Here's an introduction to diversified investing and four tips for making sureyour portfolio is diversified.

Don't Put All Your Eggs In One Basket: Even if you love a particular stock ortwo, putting all your money in one or two companies is an unnecessarily largerisk.

Lehman Brothers investors in 2007 had no idea the types of risky mortgage derivative bets banks were making behind the scenes. Enron investors had no idea the type of fraudulent accounting that was going on under their noses.

Diversify your portfolio by investing in a number of different stocks in different market sectors. Mix growth stocks and value stocks, technology stocks and utilities, real estate investment trusts and SPACs, U.S. dividend stocks andemerging market stocks.

Make sure you don't miss the next hot market sector, and don't get crushed bythe next cold one.

Take Advantage Of Mutual Funds, ETFs: In 2021, it's never been easier to diversify your portfolio by taking advantage of mutual funds and ETFs. If you wantto have individual stocks like Tesla Inc (NASDAQ: TSLA), Apple, Inc. (NASDAQ:AAPL) and Walt Disney Co (NYSE: DIS) as core holdings, there's nothing wrong with that.

At the same time, try to allocate a large percentage of your portfolio to diversified ETFs, such as the SPDR S&P 500 ETF Trust (NYSE: SPY), the iShares Core S&P 500 ETF (NYSE: IVV) and the Vanguard Total Stock Market Index Fund ETF (NYSE: VTI).

With just one click, your portfolio can go from three holdings to hundreds oreven thousands of holdings thanks to the diversification power of ETFs.

Think Outside The Stock Market: Not only should your portfolio contain a diversified mix of stocks, it should also contain a diversified mix of asset classes. A truly diversified portfolio will have at least some allocation to assetssuch as bonds, commodities, real estate, cash, gold or even cryptocurrency.

Here are some of the most popular funds to consider to diversify outside of the stock market:

iShares Core US Aggregate Bond ETF (NYSE: AGG)
SPDR Gold Trust (NYSE: GLD)
Vanguard Real Estate Index Fund ETF (NYSE: VNQ)
Invesco Optimum Yld Dvsfd Cmd Str No K-1 ETF (NASDAQ: PDBC)
Grayscale Bitcoin Trust (Btc) (OTC: GBTC)
Consider Your Investing Time Horizon: If you're relatively young, you can safely take a much more aggressive approach to investing than if you are approaching retirement.

From 1926 to 2018, a portfolio of 100% stocks averaged roughly a 10.1% average annual return. However, that portfolio also generated an annual net loss in 26 out of 93 years, or about 28% of the time.

During the same stretch, a portfolio of 80% bonds and just 20% stocks generated an average annual return of only 5.3%, but it produced an annual net loss in just 13 out of the 93 years, or about 14% of the time.

Typically, the older you are, the more conservative you want to be with your investments. Stocks are considered among the highest-risk investments, whereascertificates of deposit and U.S. Treasury bonds are among the lowest-risk investments.

ꤠ2021 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.

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