为什么定期再平衡有意义
每个人都喜欢赢家. If an investment is successful, most people naturally want to stick with it. 但这是最好的方法吗?
It may sound counterintuitive, but it may be possible to have too much of a good thing. 随着时间的推移, the performance of different investments can shift a portfolio’s intent – and its risk profile. It’s a phenomenon sometimes referred to as “risk creep,” and it happens when a portfolio has its risk profile shift 随着时间的推移.
在决定如何分配AG捕鱼王新版app下载时， many start by taking into account their time horizon, risk tolerance, and specific goals. Next, individual investments are selected that pursue the overall objective. If all the investments selected had the same return, that balance – that allocation – would remain steady for a period of time. 但是如果AG捕鱼王新版app下载有不同的回报, 随着时间的推移, the portfolio may bear little resemblance to its original allocation.
Rebalancing is the process of restoring a portfolio to its original risk profile. But remember, asset allocation is an approach to help manage investment risk. Asset allocation does not guarantee against investment loss.
有两种方法可以重新平衡AG捕鱼王新版app下载组合.
首先是使用新货币. 在AG捕鱼王新版app下载组合中增加资金时, allocate these new funds to those assets or asset classes that have underperformed.
例如, if one investment fell from 40% of a portfolio to 30%, consider purchasing more of that investment to return the portfolio to its original 40% allocation. Diversification is an investment principle designed to manage risk. However, diversification does not guarantee against a loss.
第二种再平衡方式 is to sell enough of the “winners” to buy more underperforming assets. Ironically, this type of rebalancing actually forces you to buy low and sell high.
记住, 然而, that the information in this material is not intended as tax advice, and may not be used for the purpose of avoiding any federal tax penalties. Please consult your tax professional before rebalancing. Rebalancing by selling “winners” may result in a taxable event.
Periodically rebalancing your portfolio to match your desired risk tolerance is a sound practice regardless of the market conditions. One approach is to set a specific time each year to schedule an appointment to review your portfolio and determine if adjustments are appropriate.
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