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cover of episode The Five Layers of Investing - Which Layers Is Your Portfolio Allocated?

The Five Layers of Investing - Which Layers Is Your Portfolio Allocated?

2024/8/28
logo of podcast Money For the Rest of Us

Money For the Rest of Us
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D
David
波士顿大学电气和计算机工程系教授，专注于澄清5G技术与COVID-19之间的误信息。
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我将投资分为五个层次: 第一层是短期交易,类似于赌博,风险极高,预期回报为负。这包括期权、期货和货币交易等。我尝试过,但并不擅长,最终放弃了。 第二层是长期投机,类似于狩猎或钓鱼,风险很高,但潜在回报也高。这包括加密货币、商品和贵金属等。我将约20%的投资组合用于此类资产。 第三层是个股投资,目标是跑赢大盘,需要大量的研究和信息优势。这包括个股、债券和房地产等。我将约25%的投资组合用于此类资产。 第四层是多元化投资,关注结构性因素和驱动因素,例如使用ETF进行多元化投资并了解其背后的机制。这是我职业生涯的大部分时间都在做的事情,也是我个人最喜欢的投资方式。 第五层是最大程度的多元化投资,投资组合简单,例如采用两基金策略。这是一种低风险、低成本的投资方式,适合长期投资者。我的大部分投资组合都在第四层,但也有一些第五层的投资。 总的来说,我认为投资者应该根据自己的风险承受能力和投资目标选择合适的投资层次,并根据市场变化调整投资策略。

Deep Dive

Shownotes Transcript

In Episode 491, we explore the five layers of investing, including which assets fit into each layer, and give examples of advertisements targeting each layer.

The five layers are:

    1. Short-term trading
    1. Longer-term speculations
    1. Individual securities
    1. Diversified portfolios focused on underlying drivers and factors
    1. Maximum diversification with few changes and just a few holdings

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Show Notes

Asset Camp)

The Role of Emotions in Financial Decisions by David Tuckett—ResearchGate)

Morningstar Active Passive Barometer)

Related Episodes

486: How Retail Traders Lose Big While Enriching Wall Street)

431: The Long-term Bullish Case for Gold)

306: Three Approaches to Asset Allocation)

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