あなたが祖父に何に投資しているのか尋ねると、彼はおそらく株、債券、そしておそらく貴金属を言うでしょう。
さて、時代は変わりました。
最近では、投資できる可能性のある資産がたくさんあります。
新時代の投資家は、暗号通貨、ピアツーピア貸付、クラウドファンディング不動産投資、マイクロベンチャーキャピタル投資などの投資で水域をテストしています…リストは続きます ！
毎年、苦労して稼いだお金で何ができるかということになると、ますます多くの選択肢があります。
今日、私はあなたの最良の投資オプションのいくつかを開梱し、あなたが株式に投資する金額を決定するのを手伝います。
資産に投資するときは、その投資からの収益の長い歴史を探す必要があります。
何世紀とは言わないまでも、何十年もの間人々にお金を稼いでいる資産を選択していることを確認したいのです。
これらの収益は毎年見られないかもしれませんが、投資が長期間にわたって一貫して収益を生み出していることを確認する必要があります。これは、新時代の投資の短所の1つです。
これらのオプションはエキサイティングですが、株式や債券などの古い学校の投資と比較して、運用履歴は非常に限られています。
株式市場を例にとってみましょう。
株式市場は 100年以上人々を豊かにしてきました 、ウォーレンバフェットのような億万長者を作成します。
長期のバイアンドホールド投資家は、S＆P 500に基づいて、時間の経過とともに株式市場から平均10％のリターンを期待できます。
ただし、10％が毎年の経験ではない可能性があることを理解することが重要です。
ある年には15％の利益が得られ、他の年には20％以上の損失が見られる可能性があります。
株式のようなリスクの高い投資は、価格に応じてボラティリティと変動が大きくなります。
それでは、債券を見てみましょう。
債券への投資に関しては、次の3つのカテゴリがあります。
これら3つのカテゴリーのうち、国債は最も安全でリスクの低い投資であると考えられていますが、それぞれが少なくとも短期投資の選択肢として適している可能性があります。
CNNの報告によると、1926年以降、国債は年間平均5〜6％の収益を上げています。
株式は歴史的に言及された資産の中で最も高いリターンのいくつかを持っていたので、人々はしばしば彼らのお金のすべてを株式に投資することを考えます、しかしこれはあなたが資格のある投資専門家のアドバイスに従うべきです。
お金による広告。このad.Adをクリックすると、報酬が支払われる場合があります。
人生は予測不可能です。退職後の計画はあってはなりません。独立系金融専門家に連絡して、退職後の目標を達成するために順調に進んでいるかどうかを確認してください。開始するには、州をクリックしてください。 はじめに Most investment portfolios include a mix of stocks and bonds, but maybe you should consider investing 100% in stocks.
This strategy would maximize your returns, right?
Here are a few reasons why you might (or might not) want to throw all your investments into stocks.
First of all, let’s consider when people typically consider investing everything in stocks.
People want to buy whatever asset is doing the best.
They hear about friends and family members making a killing in the stock market and they want a bigger piece of the action.
The problem is, stocks are typically roaring ahead in the late stages of a bull market.
In the stock market, there are times when stocks are going up in price (bull market) and times when stocks are falling in price (bear market).
The unfortunate truth is, the worst time to move into 100% stocks is during a bull market.
People who do so are often doubling down on an asset which is due for a correction.
What you will find when you become a seasoned investor is that the right move often feels wrong.
Your best bet is to go against the prevailing trend of the market.
Here is one of my favorite expressions about the stock market:
Bulls make money from rising stock prices. Bears make money from falling stock prices. Sheep follow the herd to the slaughterhouse. If everyone else is doubling down on the stock market going all in, and you do the same, you are following the herd.
The same is true for people who buy individual stocks.
People tend to focus on the stocks hitting 52-week highs, not 52-week lows.
They will pile in on a market high flyer expecting it to keep on soaring!
The saying is “buy low, sell high” not “buy high, sell higher.”
In this situation, novice investors are often taught a valuable lesson:it is rarely a good idea to invest in stocks at all-time highs.
Why?
These soaring stocks are being discussed on all the news outlets. They are getting the most exposure, and as a result, more money is being directed toward them.
As more and more people pile into these high flyers, the price climbs higher and higher, giving investors the false perception that this stock has nowhere to go but up.
Often times, the exact opposite is true and the stock has nowhere to go but down!
If there is ever a time to move into 100% stocks, it is when stocks are undervalued in a bear market.
In the words of Warren Buffett, be greedy when others are fearful!
As a general rule of thumb, you typically want to do the exact opposite of what everyone else is doing.
If your friends are talking about selling bonds and putting all that money in the stock market, it might be a good time to sell some stocks and buy bonds.
When everyone is getting in, you should be getting out!
Another option, which is often the best, is to do nothing 。
Here’s what I mean:If you have a diversified portfolio of stocks, bonds, and other assets, consider just holding on to what you have.
It does not matter what everyone else is doing!
When it comes to investing, activity is the enemy. Activity results in commission costs and this takes money out of your account that would originally have remained invested.
Now, here is one scenario where you might consider investing 100% in stocks:
If you are a young investor, you have many years ahead of you to allow investments to trend upward and you have significantly higher risk tolerance.
As a young person, you might decide to invest all of your money in stocks due to the higher returns.
Your portfolio will be more volatile, but overall you should see a greater return in the long run.
Then as you get older, you can diversify and allocate some of your money into bonds or other investments.
If you follow the conventional asset allocation model, you will subtract your age from 100 to get the percentage of your money you should place in stocks.
If you are 20 years old, you should have 80% in stocks and 20% in bonds.
But there is one problem with this model; people are living longer!
Since people are living longer, the asset allocation model needs to be adjusted.
The traditional model is likely too conservative for most people these days.
Following the updated model, a 20 year old would have 100% allocation into stocks and 0% in bonds.
So for a young person, most would say it is acceptable to have 100% of your money in stocks.
The goal of investing is to have security in the future.
You are probably working now, maybe one you don’t wish to stay at for the rest of your life.
For most people, this security is the ability to retire one day.
As you grow older and get closer to retirement, you want to have less money involved in stocks and more money involved in lower risk investments like bonds.
Once you reach retirement age, the goal of your portfolio shifts from growing your wealth to primarily preserving your wealth.
If you are a 20-year-old and you have decades ahead of you, investing 100% in stocks makes sense.
As an older person, that level of risk is excessive and in some cases dangerous.
Here is something else to consider:If you are going to go 100% in stocks, you will need to have very thick skin.
While it is true that investors will see better returns from stocks if they stay the course, it is far easier said than done.
During a stock market crash, you could see a 20% or higher correction take place with your portfolio.
Everyone around you will be selling stocks and moving into different assets. You could possibly see your account decline week after week for a year or more.
The question is, will you be tempted to sell and cut your losses?
Consider the bear market of 2007 to 2009. In this 17 month period, the S&P 500 lost about half of its value.
How would you react in that situation?
If you were like some people who were 100% invested in stocks at the time, you shot yourself in the foot by selling out of fear of greater losses going forward.
Think of it this way:If your portfolio could take a 50% drop and you would be unaffected, you could invest in a 100% stock portfolio to maximize your returns. Would you be able to do that?
For most people, a blend of stocks, bonds, and cash will suit them well.
Others may decide to diversify into other assets like real estate, precious metals or even new age investments like cryptocurrencies.
The case for this type of diversification is that you want the assets in your portfolio to be doing different things at different times.
Maybe your stocks are down 20%, but the gold in your safe is going up!
The goal of diversification is to maximize returns and minimize risk by investing in a number of different assets. Don’t put all your eggs in one basket!
For those who do decide to invest 100% in stocks, apply these same rules of diversification to your stock investments.
Rather than investing all of your money in one stock or a few stocks, consider investing in funds that give you exposure to the whole market.
Beyond that, you should consider exposure to different markets entirely, like international markets or emerging markets.
Spread your money out!
Let’s consider the Bitcoin investors for a moment.
In 2017, Bitcoin was the hottest asset you could own. You could buy Bitcoin and see a 100% return that week!
All over the internet, you were hearing about people making drastic moves to place an all-in bet on Bitcoin.
Believe it or not, a number of people even mortgaged their homes to buy as much as they could!
These Bitcoin investors were not following the basic rules of diversification because they had all their eggs in one basket. They were placing an all-in bet on a new asset with a very limited history of generating returns.
Bitcoin hit a peak of just under $20,000 in 2017.
By January of 2018, it was trading at $13,500, and $7,500 by February.
These unfortunate late stage Bitcoin investors experienced as much as a 60% loss or more in the course of two months.
For many people, this was a valuable lesson on why you need to diversify. And new data reported by Forbes suggests the crash is continuing in 2019.
Remember, people tend to double down on an investment at the worst time!
Every investor is going to have a different level of risk tolerance.
A young person with a high-risk tolerance might decide to go the route of investing 100% in stocks, but this is probably not the best idea for everyone.
As you get older, you want to lower the risk you are exposing yourself to with your investment portfolio, typically by allocating more money into bonds as you grow older.
While bonds have historically had lower returns, they are significantly less risky than their alternatives.
It is important to remember one of the goals of diversification is to prop your portfolio up in a bear market.
When stocks sell off, investors often flee to bonds and precious metals inflating the price.
Perhaps a 100% stock portfolio idea is not as glamorous as it seems on paper.
This is a post from Ryan Scribner, author of the blog Investing Simple where he aims to keep personal finance and investments, well, simple. He’s also the face of his own popular YouTube Channel, where he’s got a massive library of videos for you to watch; I recommend you check him out.