投资为经济增长的季节|寿司的钱

Oct 21 10月21日

Investing for Seasons of Growth 投资为四季增长

Last Friday was one of those Ouch! kind of days… with the Dow losing over 360 points right about on the anniversay of Black Monday in 1987. Not that 2007 had anything to do with 1987… just a coincidence to be sure. Yesterday had more to do with rising economic concerns, options expiration and the last quarter of the calendar year. But do you remember that day in 1987? I talked about it here when looking at emotions and investing. For a day that many still talk about 20 years later, guess what? The market went up over the next few months and many people did okay that year. Who really got hurt? Mostly it was traders who had a lot of money as risk, as well as margin players. When you borrow a ton of money….上周五之一，那些乌！种天…与道琼工业指数失去超过360点的权利，关于对anniversay黑色星期一在1987年不是2007年了任何与1987年…只是一个巧合，可以肯定的，昨天有更多这样做与经济崛起的关注，选择到期和去年第四季的历年，但你还记得那一天在1987年呢？我谈到这里看时，情绪和投资。了一天表示，许多人仍然谈20年后，猜测什么？市场上升，在未来数月，很多人没有好这一年，谁真的受伤？大多是商人谁了很多钱的风险，以及保证金的球员，当你借一吨钱… … 。 in other words, use leverage to prop up your investments, then when the market volatility becomes extreme you risk losing a lot of money, and yes- making a lot of money. But it’s not a practical approach to investing for most of us.在其他换言之，使用杠杆托您的投资，那么当市场波动变得极端，你可能失去了很多钱，是决策了很多钱，但它不是一个实际的做法是要积极投资，对我们大多数人。

Personally, I want to be positioned so that I don’t really care over the long-term. Of course I care how my investments are doing over time, but really- I don’t want to worry about my portfolio. After putting your asset allocation together in a well diversified portfolio, you just let it do its thing. If it really bothers you when the market goes down, then that should tell you something’s out of whack. Either you are investing too much contrary to your personal level of risk tolerance, or maybe you’re worrying unnecessarily for no rational reason and watching the market too closely. It’s easy to do, but over time it helps to gain a sense of detachment and maintain that “big picture” for where you want to be in 10-20 years.我个人来说，我想定位，使我真的不小心超过长远。当然，我如何照顾我的投资正在做随着时间的推移，但真正-我不想担心我的投资组合后，把您的资产分配在同一个，以及多元化的投资组合，你刚才让它尽自己的事。如果真的困扰你，当市场下降的话，应该告诉你的东西的出来痛击。要么你是投资太多，相反你的个人风险程度，容忍，或也许您担心不必要的，没有合理的理由，看市场太密切，这很容易做到，但随着时间的推移有利于争取一个意识，支队和维持“大图片”为何处你想成为在10-20年。

If you’re close to retirement, it’s very important to maintain a diversified portfolio. For so many of us, we invest in what we think we know. A lot of folks invest in company stock in their 401(k). Not a bad idea at first, and many companies require it. But if you’re close to retirement, why put all your eggs in one basket? A lot of folks at Enron really got hurt doing that.如果您接近退休，这是非常重要的维持一个多元化的投资组合。这么多的我们，我们投资在哪些我们认为我们知道。了很多乡亲在投资公司的股票在其401 （ k ）计划。不会一个坏主意，在第一，很多公司需要它，但如果您接近退休，为什么把您所有的鸡蛋放在一个篮子里呢？了很多乡亲在安然真的受伤这样做。

What does diversification do for you? It simply reduces the risk of investing, especially for individual stocks. Mutual funds offer inherent diversification at a lower cost over time. True diversificiation involves measuring correlation coefficients and host of other stuff. But essentially, you want to invest in securities whose returns don’t move in a similar fashion over time. There’sa ton of info on the web about building a diversified portfolio. If you’re concerned, talk with your planner or advisor and review your situation.什么是多样化为您做？简单来说，减少投资风险，尤其是对个别股票。互惠基金提供固有的多元化，在一个较低的成本随着时间的推移。真正的diversificiation涉及测量的相关系数和东道国其他的东西，但基本上，您想要投资于证券的回报率不提出了类似的时装随着时间的推移。有吨的信息在互联网上建立多元化的投资组合。如果您担心，跟您的规划或顾问，并检讨自己的情况。

I think it’s kind of like our garden in the spring. We plant many different seeds and ”starts” for a season of growth for a bunch of different vegetables and flowers. We don’t plant just one seed or little plant because there’sa lot of risk out there. Temperature, water, insects, soil fertility, bunny rabbits! If we plant just one of something we risk that it may not grow very well or produced the return we hope for. At worst case the little plant withers and dies.我觉得这是种一样，我们的花园在春天，我们许多不同的植物种子和“启动”一个赛季增长了许多不同的蔬菜和花卉，我们不只是一植物种子或小厂，因为有'从大量的风险存在。温度，水分，昆虫，土壤的肥力，兔子兔！如果我们厂只是其中之一，我们的风险，它可能不会成长得很好或制作的回报，我们希望在最坏的情况下，小厂withers和死亡。

Investing is a lot like a garden… you want a bunch of stuff in there early in the season to have a robust mix later at harvest time. 投资是有很多像一个花园…您想要一堆的东西在那里早在本赛季有一个强大的组合在稍后的收获时间。

And for our investments, the growing season is not measured in months, but rather years! Every time we save and invest, we are planting seeds for a new season of growth. We may harvest a little of that at a time in future years, but unlike the plants in our backyard, with time and compounding, our investment garden will just keep growing and growing.和我们的投资，生长季节是没有衡量的几个月，而是几年！每一次我们储蓄和投资，我们播种了新赛季的增长，我们可能会收获一点点，在时间，在未来的岁月，但不同的植物在我们的后院，时间和复杂的，我们的投资花园将刚才不断增加和扩大。

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