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cover of episode Portfolio Playbooks: How the Greats Invest Their Money

Portfolio Playbooks: How the Greats Invest Their Money

2025/3/4
logo of podcast Money Rehab with Nicole Lapin

Money Rehab with Nicole Lapin
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Nicole Lappin
一位致力于财务教育和媒体的专家，通过多种平台帮助人们提高财务素养。
Topics
Nicole Lappin: 我在播客中分享了四种不同的资产配置策略，这些策略旨在帮助投资者在任何经济环境下都能获得增长和稳定性。这四种策略分别是：永久投资组合、捐赠基金投资组合、瑞·达利欧的全天候投资组合和沃伦·巴菲特的投资组合。 永久投资组合是一种保守的策略，它将资产平均分配到股票、长期政府债券、现金和黄金中，以平衡增长和风险。这种策略适合那些寻求长期稳定回报，并且不想频繁调整投资组合的投资者。 捐赠基金投资组合借鉴了耶鲁大学等名校的投资策略，它更侧重于多元化投资，包括私募股权、房地产和对冲基金等另类资产。这种策略的目标是实现长期增长，同时降低来自股市波动的风险。 瑞·达利欧的全天候投资组合是一种旨在应对各种市场环境的策略，它将资产分配到商品、长期债券、黄金、中期债券和股票中。这种策略的历史回测结果显示，它在大多数情况下都能盈利，并且在市场大幅下跌时也能保持相对较低的损失。 沃伦·巴菲特的投资组合是一种极其简单的策略，它只投资于短期政府债券和低成本的标普500指数基金。这种策略适合那些相信长期股市上涨，并且不想花费太多时间精力来管理投资组合的投资者。 总的来说，这四种策略各有优缺点，投资者应该根据自身的风险承受能力、投资目标和时间框架来选择最适合自己的策略。重要的是，投资者应该记住，没有一种投资策略是完全没有风险的，并且过去的业绩并不代表未来的结果。

Deep Dive

Chapters
This chapter introduces four asset allocation strategies: the permanent portfolio, the endowment portfolio, the Ray Dalio portfolio, and the Warren Buffett portfolio. Each strategy offers a different approach to diversification and risk management, catering to various investor profiles and risk tolerances.
  • The permanent portfolio (25% stocks, 25% long-term government bonds, 25% cash, 25% precious metals) is designed for stability and lower volatility.
  • The endowment portfolio emphasizes a diverse mix of assets including private equity, real estate, and hedge funds for long-term growth.
  • The Ray Dalio all-weather portfolio aims to profit in various market conditions (bull, bear, inflation, deflation) through a diversified allocation.
  • The Warren Buffett portfolio (90% S&P 500 index fund, 10% short-term government bonds) focuses on simplicity and long-term growth in the US economy.

Shownotes Transcript

You may have seen the news last week that the consumer confidence index fell by 7 points this month, marking the largest drop since August 2021. Translation? People are getting nervous about a recession. But here’s the thing—you don’t have to panic just because the economy is. Even if you’re skeptical about the marco-economy, you can create confidence in your own micro-economy by taking the reins of your investments. So today, Nicole is showing you four asset allocation strategies designed to help you weather any financial environment. In other words: four recipes for a portfolio that provides growth in good economic times, and stability in tough economic times.

Pre-order Nicole's upcoming book The Money School HERE)!

*All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Open to the Public Investing, member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. Treasury accounts offering 6 months T-Bills are offered by Jiko Securities, Inc.,member FINRA & SIPC. Securities in your account are protected up to $500,000. For details: www.sipc.org). Banking services and the Bank Accounts are provided by Jiko Bank, a division of Mid- Central National Bank. For U.S. Investments in T-bills: Not FDIC Insured; No Bank Guarantee; May Lose Value. Treasuries risk disclosures, see https://jiko.io/docs/treasuries_risk_disclosure.pdf). See *public.com/#disclosures-main).