新手資產組合配置 - 投資
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By Eden
at 2021-10-13T01:21
at 2021-10-13T01:21
Table of Contents
各位好
想要請教一下資產配置的意見
目前手上可投入的金額大概500萬
現在35歲,組合主要是用來存錢跟退休用
有參考過單筆跟定期定額的文章
單筆的表現來得比定期定額好的機會較大
但還是會有點怕
故打算一年內以定期定額的方式把資金投入
之後再每個月或每季定期定額按組合比例投入
債券的部分個人是傾向選擇VGIT
目標是希望減少資產組合裡面的波動性
所以就選擇公債
股票方面想要請教一下
個人對大企業的信心比較大,所以傾向考慮VOO
但是看到大家一般推薦VTI,因為比較分散,企業的數目更多,更有助分散風險
所以從保險一點的角度來說,VTI會比VOO較為保險嗎?
另外就是有關於全球股票的部分
情況有點像上面,分散會令投資範圍更多,也有助分散風險
所以VXUS之類的加入組合會比較好
但是看到資料VXUS的報酬率相對VTI/VOO的話是比較低
那加入VXUS或是全球其他股票的原因是因為雖然美股回看最近十年表現很好
但新興市場或其他股票市場將來不見得表現一定會輸美股
所以多加入美股以外的市場才是好的做法嗎?
畢竟過去的表現不代表未來
如果除了VXUS有那個推薦的嗎?
最後就是組合的部分
請大家幫忙提一下意見
1. VOO 90% + VGIT 10%
2. VTI 90% + VGIT 10%
3. VOO/VTI + VXUS + VGIT (在想50%+40%+10% 或是60%+30%+10%)
比例方面或是有其他適合的組合也歡迎提出
謝謝大家
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All Comments
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