5种分散投资的策略

For every story you hear about someone getting rich quickly on cryptocurrency or flipping a condo in an up-and-coming neighborhood for massive gains, there are 10 other stories that have the opposite outcome. Short-term investments on a single commodity or stock are high-risk. If you’re playing the long game to plan for your future, slow and steady wins the race. 将你的股票投资组合分散到多个行业, pay your mortgage down if you own your primary residence, 为你的退休基金捐款. This minimizes the risk of being financially tied to real estate only if the housing market dips, 或者只有在经济衰退发生时才会对股市产生影响. 

There are many different types of assets you can invest in. Diversifying investments involves having a range of where you invest and what you invest in. That could be currency, stocks, bonds, real estate, commodities, or a small business. But you should also invest in yourself through education, personal development, and life insurance. A good investment should provide a return in the future, but that doesn’t necessarily mean cash.

It can be easy to get distracted or discouraged by messaging and charts about how much money you’re supposed to have saved for retirement at a certain age. 每个人都在不同的轨道上, so focus on yourself—but planning for retirement should be at the top of your investment priority list. If a retirement plan like a 401(k), is offered by your employer, take advantage of it. 你也可以建立自己的罗斯个人退休账户. Choose a retirement savings vehicle that’s right for you and contribute an amount you can afford. And make sure you put your contributions toward your fund on an ongoing, long-term basis.

A million-and-one things can go wrong with investments. 不可能知道未来, and we’ve all seen how unforeseen events can completely disrupt the economy—from the stock market to real estate to taxes and interest rates. Diversifying investments will help keep your portfolio from taking too big of a hit when disruption and loss occur in one area because you will also be invested elsewhere. Your long-term investment plan should be structured on the reality that not all of your investments will pan out immediately, 还有一些可能根本不会成功. So you’ll want to make up for any losses through other opportunities. Note that diversification does not assure a profit or protect against market loss. 也, purchase a life insurance policy that grows in cash value over time to protect your family during the working years, and have access to cash value to supplement your retirement income when you no longer need life insurance.