為什麼要配債 - 理財

By Ursula
at 2021-11-12T13:11
at 2021-11-12T13:11
Table of Contents
把這個版從2021年爬到2014年
大部分的人資產配置都會選擇股債平衡
相關的理論也都知道
因為當股市崩盤的時候
債券能起到保護作用
加上崩盤降息也能夠推升債券的價格
而債券長期也會因為降息的關係而增值
不過
在現在利率趨近於0的狀況下
債券沒辦法再因為長期降息而增值
甚至可能因為升息而導致價格下跌
就只剩保護作用而已
本身可能沒什麼增值空間
這樣股債平衡的效益會大大降低嗎?
以前可能長期報酬率:股票10%債券6%
未來可能剩下股票10%債券2%?
這樣配債還有必要嗎?
--
大部分的人資產配置都會選擇股債平衡
相關的理論也都知道
因為當股市崩盤的時候
債券能起到保護作用
加上崩盤降息也能夠推升債券的價格
而債券長期也會因為降息的關係而增值
不過
在現在利率趨近於0的狀況下
債券沒辦法再因為長期降息而增值
甚至可能因為升息而導致價格下跌
就只剩保護作用而已
本身可能沒什麼增值空間
這樣股債平衡的效益會大大降低嗎?
以前可能長期報酬率:股票10%債券6%
未來可能剩下股票10%債券2%?
這樣配債還有必要嗎?
--
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