Category: Money tips Release Date: 2006-03-16
The Fund's one of the greatest characteristics of the species variety, the scope is very wide. When you really start investing when faced with the choice of so many. From a professional point of view, we usually suggest investors in accordance with life-cycle to determine their own fund portfolio: through different time on different types of deployment of funds to achieve the balance of return and risk.
Young stages: young people, the biggest advantage is time. If you from working to retirement date, the investment period may be up to three to four decades. Because there is more than enough time to experience a complete economic cycle, there is a greater opportunity to enjoy the benefits of economic growth, so their ability to resist risks strongest, that is, the saying goes, "Shude Qi."
That is why we would recommend to young people with the relatively large proportion of investment in equity funds, such as 70% -80% of its assets. When the bull market coming, they often have access to above-average returns, of course, in the bear market in which they have to pay a higher price than the conservative investor.
Middle stage: Time passes, when the young people to a 40,50-year-old age, became a steady middle-aged man, approaching retirement, the family burden, have determined that, as young as middle-aged man can no longer take too many risks , while the middle-aged has the advantage of a relatively abundant accumulation of assets, so to reduce risk and ensure a stable principal value is the middle-aged man's investment objectives. At this time, simply reduced the proportion of equity funds should raise the proportion of bond funds.
Strict compliance with a limited stock, debt ratio can help you more successfully achieve its objectives. If you set the stock funds and bond funds allocation ratio of 5:5, to coincide with the bull market, a year later rose faster equity funds, bond funds rose slowly, the ratio became 6:4. If you encounter a bear market next year, the stock fell, the ratio became 4:6, we must redeem the bond funds, buying equity funds, so that the ratio back to 5:5.
Old age: Finally, when you entered the gold in his later years, most of their goals in life, such as home ownership, children, education, etc. have been completed to ensure the safety of funds at the same time to enjoy life, is greatest wish at this time. Can help you better achieve this desire, that is, bond-type fund. In general, a loss is unlikely to invest in bonds, while the bond fund is distributed to invest in central bank bills, treasury bonds and other high credit rating, further control the risk. At the same time by participating in convertible bonds, corporate bonds and other varieties, there are likely to increase profitability. Therefore, "the proceeds of homes seeking safety", mainly through bond funds will be able to do, but at this time of high-risk equity funds this "tiger", it is best kept at a distance of.
【Origin?Art of War
Eastern Han Dynasty, Sun Ce to attack you want to occupy the Lu Jiang warlord Liu Xun, but if the hard attack, little chance of winning. He and Zhong Jiang agree on a Tiaohulishan the coup. Sun Ce sent to Liu Xun sent a precious gift, and to help the weak capacity to Liu Xun, Liu Xun attack on a request for a sail. Liu Xun of dollars, personally led tens of thousands of troops and horses to the attack on the sail, the city were empty, Sun Ce took the opportunity to lead troops, land and water in hand, attacks on Lu Jiang, almost never met a stubborn resistance, it is very smooth control of the Lu Jiang.
