Hmong: Lub rooj zaum qos lub daim ntawv qhia rau kom kuv nplua nuj

Tej zaum nws yog vim hais tias lub teb chaws twb tsa rau lub Protestant ua hauj lwm zoo. Los sis tej zaum nws yog hais tias peb niam cov lus tseem kauj nyob rau hauv peb lub taub hau: "Yog hais tias koj tsis ua hauj lwm nyuaj, koj yuav tsis txhob npaum li cas los ntau npaum li cas." Txawm yog vim li cas, cov neeg xav hais tias lawv yuav tsum tau ua hauj lwm nyuaj kom tau nyiaj thiab hais tias yog tsis ib txwm muaj tseeb .

Nco ntsoov, koj twb tau txais los qhia txog thiab rau siab ntso nyuaj siab ntawm lub chaw ua hauj lwm. Tab sis thaum koj txuag thiab ua lag luam, koj nyob nraum zoo tawm ua ib tug couch qos yaj ywm. Cov tub nkeeg mus kom ze rau portfolio tswj yeej tshaj "zog ua hauj lwm" zoo nkauj npaum li cas txhua txhua lub sij hawm.

Ntau npaum li cas nws them yuav tub nkeeg? Ib tug conservative kev kwv yees yog hais tias nws yuav them ib tug nruab nrab neeg twv lag luam qhov chaw sab qaum teb ntawm $ 250,000. Uas yog txoj kev yog. Koj txais tau ib lub hlis twg ntawm ib lab las los ntawm kev ua tsawg - tob yuav luag tsis muaj dab tsi.

Thawj thawj zaug kuv hnov ​​cov tswvyim no, nws yog nyob rau ntawm ib lub rooj sib tham peev rov qab nyob rau hauv lub 1980s, thiab kuv twb ntsoov saib lub uas tawm hauv TV qhia tau tias nyob rau hauv uas cov lus qhia yog Jack Bogle, [http://www.amazon.com/Enough-True-Measures-Money-Business/dp/0470524235/ref=sr_1_2?ie=UTF8&s=books&qid=1276706734&sr=1-2] leej twg yog tus founder ntawm Vanguard nqis peev uas. [https://personal.vanguard.com/us/whatweoffer?WT.srch=1] Nws tham txog nws kev kawm tshawb fawb uas qhia tias zoo tsis muaj ib tug yuav li qhia siv kuj tuav kev ua lag luam tshaj ntev stretches. Qhov zoo tshaj plaws koj yuav cia siab rau yog tau raws li cov kev ua lag luam, uas tau muab rau koj rov qab uas tsis ib nrab phem.

Cov lus teb, nws hais tias, yog piv cov nqi nyob rau hauv ib tug broad swath ntawm stocks thiab bonds los ntawm tsawg tus nqi Performance index nyiaj [http://www.bogleheads.org/] thiab tsis nco qab txog koj portfolio. Siv koj lub sij hawm nyob koj lub neej es tsis txhob researching stocks thiab bonds. Uas yog ntau npaum li cas kev lom zem tshaj tawm hws tshaj nqis peev lawm.

Ib tug ob peb xyoos tom qab ntawd, nyob rau lwm uas tawm hauv TV peev rooj sab laj, Terrance Odean, [http://www2.haas.berkeley.edu/Faculty/odean_terrance.aspx] ib tug Berkeley xib fwb uas muaj pov thawj Bogle tus kev tshawb xav ntawm los rau nws lwm txoj kev. Qhov ntau koj pauv, qhov ntau koj poob, Odean sab los ntawm tshuaj ntsuam hauv lub tiag tiag-lub neej portfolios thiab trading qauv ntawm txhiab ntawm tub ua lag luam. Nws daim ntawv, cov tub hluas Yuav tub hluas,] yog ib tug yuav tsum-nyeem rau cov neeg uas xav tias lawv yuav mus outsmart ua lag luam Tshuag. [http://faculty.haas.berkeley.edu/odean/papers/gender/gender.html

Cia li nco ntsoov rau kev txawj ntse ntawm cov tub nkeeg mus kom ze Lub oblivious Investor, ib tug zoo huv si me ntsis blog tag nrho ntawm kev txiav txim siab tswv yim. Kuv tau ploj mus rau kev nyeem ntawv ib tug ncej txog kev them nqi peev tswv yim. [http://www.obliviousinvestor.com/]

Ntawm no yog lwm zoo kawg nkaus me ntsis daim 8 tub nkeeg Peev Portfolios. (Nyob rau hauv qhov tseeb, tus ncej yog hu ua 8 tub nkeeg ETF Portfolios, tab sis hais tias yog li ntawd phab ntsa Street-hais tias kuv yuav tsum tau kho kom raug. ETF yog luv luv rau txauv pauv Fund thiab tsuas yog khawv koob txog qhov no hom ntawm kev sib nrig sib fund yog hais tias lawv nyob super -low nqi.) [http://www.obliviousinvestor.com/8-lazy-etf-portfolios/]

Nyob rau hauv tus ncej, lub oblivious Investor qhia txog tej yam yooj yim portfolios pom zoo los ntawm 8 lauded cov kws txawj. Tag nrho cov portfolios muaj tsawg tsawg-them nqi; Tinker-dawb npaj. Koj yuav tau lawv thiab cia lawv nyob rau.

"Qhov txawv tsuas: Koj ntsaws koj tus kheej tus xov tooj rau hauv kuv lub portfolio npaj kom phim koj lub hnub nyoog thiab muaj tshwm sim, yog li koj Tinker-free portfolio yuav tau raws li koj cov nyiaj ntsuab xav tau kev pab thiab nplua koj cwm pwm. Li ntawd, tej zaum, yuav pab tau koj tawm hauv koj lub stocks nyob ib leeg thaum lub sij hawm lub sij hawm volatile zoo li no, uas yuav txuag tau koj muaj hmoov zoo tshaj qhov ntev mus dhia.

Yog li ntawd ua li cas ua neeg tub nkeeg them nyiaj rau koj? Yog hais tias koj nyeem Odean txoj kev tshawb fawb, koj mam li paub tias nquag trading tus nqi koj roughly 2,65 feem pua ​​ntsiab lus nyob rau hauv ib xyoos ib zaug peev rov qab. Uas txhais tau hais, es tsis txhob ua haujlwm tau nyiaj ib nrab ntawm, hais tias, 8 los yog 9% nyob rau hauv ib phau duab ua hais tias koj yuav thiab tawm ib leeg, koj yuav khwv tau ntawm 5,35% thiab 6.35% los ntawm tinkering nrog nws.

Mus saib yuav ua li cas uas muaj feem xyuam rau koj nyob rau hauv cov nyiaj thiab kev nkag siab, peb tig mus rau "yooj yim txhab nyiaj khaws nyiaj tshuab xam" nyob rau hauv BankRate.com. Yog hais tias peb hais tsis xav hais tias koj pib investing $ 150 ib lub hlis ntawm hnub nyoog 25 thiab mus txuas ntxiv los pab txhawb uas tib nqi rau tus tom ntej no 40 xyoo, koj yuav mus nrog ib tug portfolio nqi $ 527.292 yog hais tias koj tub nkeeg txaus tawm nws nyob ib leeg thiab khwv tau qhov nruab nrab rov qab los ntawm ib tug txawv portfolio ntawm txog 8%. Tab sis, yog tias koj tinkered nyob ib ncig ntawm - uas ua se thiab trading nqi - koj xav xwb khwv tau ib tug nruab nrab ntawm 5,35%, raws li Odean tus tsom xam. Uas yuav cia koj nrog $ 252.229 - ib co $ 275.063 tsawg. [http://www.bankrate.com/calculators/savings/simple-savings-calculator.aspx]

Yog hais tias koj xav tias siab dua cov nqi ntawm rov qab rau koj cov kev nqis peev, los yog hais tias koj ua lag luam ntau on txhua lub hlis, tus nqi ntawm tinkering yuav txawm ntau onerous. Cia peb hais tias koj sib piv cov nqi $ 250 ib lub hlis thiab khwv tau 9% nyob rau hauv nruab nrab. Thaum so hauj lwm, cov rooj zaum qos lub portfolio yuav tsim nyog $ 1,179 million. Lub tinkerer tus portfolio (uas khwv tau cia li 6.35% nyob rau hauv nruab nrab) yog tsim nyog $ 550.945 -an astounding $ 628.412 tsawg.

Cov tsuas tinkering koj yuav tsum ua li cas rau koj portfolio yog "rebalance" ib xyoos ib zaug. Dab tsi uas txhais tau tias yog koj saib cov feem pua ​​ntawm cov koj cov cuab tam uas koj muaj nyob rau hauv txhua lub cuab tam chav kawm ntawv - stocks, bonds, nyiaj ntsuab, thiab lwm yam - thiab kom paub tseeb tias ntais ntawv nrog qhov feem pua ​​uas koj xav hais tias koj yuav tsum tau raws li koj lub hnub nyoog, cov cuab tam thiab cov hom phiaj.

Tab sis koj cia li hnov ​​leej twg hais "Qhov no yog ib tug tub luam tus ua lag luam! Yuav thiab tuav yog tuag! "Nrhiav yam tawm seb lawv nyob nraum muag. Nws yog tsis ncaj ncees peev tswv yim. Cov neeg uas muaj tsis muaj dab tsi mus muag koj - lub professors, lub pundits thiab cov cynical neeg sau xov xwm zoo li kuv - yog yuav mus qhia rau koj hais tias koj mam li ua ntau nyob rau hauv lub peev lub ntiaj teb no thaum koj nyob nraum tub nkeeg tshaj koj puas tau yuav los ntawm ua kom outsmart phab ntsa Street .

- Noog

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